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United Commercial Travelers of America Health Insurance Company

A review of the United Commercial Travelers of America Health Insurance Company leads to the United Commercial Travelers of America, or UCT, a fraternal benefit society that focuses on volunteering in the community and providing insurance coverage to members.

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UCT provides various forms of insurance to members in most states in the U.S. and parts of Canada. Only Alaska, Hawaii, Maine, New Mexico, and Washington State do not have members in the 100,000-strong membership of UCT.

History of United Commercial Travelers

UCT was started in 1888 in Columbus, Ohio to provide insurance products for traveling salesmen. The image of the sample case, the case that salesmen would carry to house examples of their wares, became the symbol of UCT.

In 1899, UCT followed the railroads into Canada, providing insurance for the masses that followed the work and industry that was created there.

In the late 1950s and early 1960s, UCT started many community-oriented directives, such as scholarships and support for people with intellectual disabilities, which are still top projects today.

In 2010, UCT underwent a marketing rebranding to attract members from younger generations while maintaining its history and mission. The company’s new logo became “Where Community and Compassion Unite.”

United Commercial Travelers Products

UCT offers affordable lines of insurance to individuals and families. Availability of each line of insurance varies from state to state.

There are four different life insurance plans offered by UCT for members. Life Guard 1 is a decreasing term life insurance that provides greater benefits to younger clients to provide for spouses and children when a family’s financial footing is usually the weakest. Benefits decrease with age, ending at age 69.

Next, the whole life insurance plan will provide an inheritance to loved ones free of federal income tax.

Thirdly, term life insurance is available for any length of time needed; total coverage can be up to $250,000. There is also an automatic rider that provides 25% of the plan’s benefit if the insured is diagnosed with a terminal illness.

Lastly, there is a final expense plan that can provide from $3,000 to $25,000 to cover end-of-life expenses.

UCT also offers health insurance with many different options to suit its members. Short term medical will cover those who are between jobs or only receive company health benefits for part of the year. Supplement insurance is available to cover gaps in Medicare.

Dental, vision and hearing insurances, areas that most employers view as optional benefits, are available in a range of deductible and benefit levels from UCT.

Accident insurance is also available from UCT with a number of different plans. The Emergicare Plus plan is designed to cover gaps in other insurance plans for the expenses associated with emergency room and follow-up visits that result from an accident. The Accidental Death and Hospital Indemnity Plan (ADHIP) is designed to cover expenses associated with long hospital stays for up to 365 days; it also pays an accidental death benefit.

The Membership and Accident Coverage Protection plan (MAC) is an accident-only plan that pays direct monetary amounts per specific injury.

The company also offers annuities and travel insurance to its members. U.S. members can also receive insurance from UCT to cover possessions such as:

  • Auto
  • Home
  • Pet
  • Identity theft
  • Laptop and PDA

United Commercial Travelers and the Community

According to its website, UCT defines itself as “an international member-benefit organization uniting people with a common passion for good citizenship and volunteerism to improve their local communities.” The company has been an advocate for special education through scholarship funds and support of the Special Olympics since the 1960s. The company has given more than $3 million to fund special education and educators.

The company also supports continued education through scholarships for children of members to attend college. The May E. Tisdale Scholarship Fund has been in existence since 1959. It provides $500 in scholarship funds to 50 candidates. The UCT scholarship program is another tuition assistance program, providing up to $2,500 in a calendar year.

United Commercial Travelers Ratings

The Better Business Bureau, rates UCT as an A+ organization. The BBB rates companies and charities to give consumers a reliable measurement to assess a company or charity’s reputation. An A+ rating is the highest given by the BBB; they cite UCT’s length of time in business and the successful resolution of only three complaints in the last three years as the reasons for the high rating.

A.M. Best, an insurance rating agency that is recognized by the US Securities and Exchange Commission, rated UCT at a B+. The rating indicates that UCT has, in A.M. Best’s assessment, a good financial standing to continue to honor its insurance commitments in the future.

Become a Member of United Commercial Travelers

Membership is open to anyone who is 18 or older. The company is not affiliated with any political or religious affiliations. There are many different ways to volunteer and support your community, and UCT membership will provide an avenue to learn, grow, and give back to the community.

Contact United Commercial Travelers

Further information about membership, availability, and benefits can be found on the company’s website. The US office is located at:

1801 Watermark Drive, Suite 100
Columbus, OH 43215
Toll-free phone number: 800-848-0123

The Canadian office is located at:
901 Centre St. N., Room 300
Calgary, AB T2E 2P6
Toll-free number (from Canada): 800-267-2371

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One Comment to “United Commercial Travelers of America Health Insurance Company”

  1. Joanne Zedaker says:

    “I am trying to find out about a Prize Baby Show held in Sharon, Pa. by your company in 1937
    I participated and got 100% in the senior class. I was four years old.
    Would like any details
    Thank you”


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