Your Guide to Understanding United Security Health and Casualty Insurance Company

United Security Health and Casualty Insurance Company (USH&C) is a regional health and casualty insurer providing insurance products and services across several states in America. With nearly 50 years of experience in the insurance industry, USH&C has established itself as a reliable choice for quality health and casualty insurance.

In this comprehensive guide, we will explore key information about United Security Health and Casualty Insurance Company, including:

• Overview of USH&C
• Products and services offered
• States where USH&C operates
• Company history and background
• Financial strength and reputation
• Customer service and satisfaction
• How to become a USH&C agent

Overview of United Security Health and Casualty Insurance Company

USH&C is a privately held regional insurance company headquartered in Bedford Park, Illinois. The company was founded in 1973 and offers a range of health and casualty insurance products to individuals and families across 6 states – Arizona, Arkansas, Illinois, Indiana, Missouri and Nebraska.

Some key facts about USH&C:

• Specializes in providing personalized services and competitive pricing
• Offers quality products to meet diverse insurance needs
• Employs between 11-50 people
• Caters to niche market as an alternative to larger national insurers
• Focuses on providing excellent customer service to policyholders

Key Insurance Products and Services

USH&C offers a variety of health and casualty insurance products to suit different needs. Their portfolio includes:

Health Insurance

• Short Term Medical – Temporary health plans for 30 to 360 days
• Dental Plus Vision and Hearing – Dental, vision and hearing coverage
• Cancer – Cancer treatment and support insurance
• Critical Illness – Coverage for serious illnesses like cancer, strokes, heart attacks etc.

Casualty Insurance

• Accident and Hospital Indemnity – Coverage for accidents and hospitalization
• Disability Income – Income replacement in case of disability
• Fixed Indemnity – Predictable benefit amounts for medical expenses
• Personal Auto – Auto insurance policies
• Personal Accident Medical – Accident medical expense coverage

USH&C positions itself as an affordable alternative to large national insurers. It offers competitive pricing across its insurance product portfolio.

USH&C’s Geographic Markets

As a regional insurer, United Security Health and Casualty operates in a defined geographic area in the Midwest and Southwestern United States. The company is licensed to sell its products in the following 6 states:

• Arizona
• Arkansas
• Illinois
• Indiana
• Missouri
• Nebraska

USH&C tailors its insurance products based on state regulations and requirements. Being focused on select states enables the insurer to provide personalized services to local policyholders.

History and Background of USH&C

United Security Health and Casualty Insurance Company has an interesting history spanning nearly 5 decades:

• 1973 – Founded as a regional insurance provider based in Illinois.
• 1970s to 1990s – Expanded operations across several Midwestern and Southwestern states.
• 2000s – Launched specialized products like fixed indemnity, dental and cancer insurance.
• 2010s – Enhanced online capabilities and introduced mobile apps for policyholders.
• 2020s – Continues growth trajectory with excellent financial strength.

Throughout its history, USH&C has retained its identity as a nimble regional insurer focused on providing personalized services to policyholders in select states.

Financial Strength and Reputation

As an insurance policyholder, it is reassuring to know your insurer’s financial stability. USH&C has consistently maintained solid financial strength:

• A- (Excellent) rating from A.M. Best Company, indicating excellent ability to meet obligations to policyholders.

• Above-average policyholder surplus – USH&C’s surplus is $27.9 million as of 2021, indicating financial resources to grow and pay future claims.

• Productive operating ratio – USH&C’s favorable loss ratios indicate profitable underwriting and operating efficiency.

This gives confidence in USH&C’s ability to deliver on its promises to policyholders. The company has built a reputation for specialized products, competitive pricing, and efficient operations.

Customer Service and Satisfaction

In the insurance industry plagued with poor service, USH&C differentiates itself with a strong commitment to customer satisfaction:

• Local presence – Customers enjoy benefits of localized service through USH&C’s network of agents and offices across its 6-state footprint.

• Technology – USH&C offers online account access, billing and claims management for convenience. Mobile apps provide easy access.

• Responsiveness – Policyholders can easily reach USH&C’s service team to get queries resolved. The company emphasizes quick turnaround.

• Agent support – Licensed agents provide localized assistance to customers in selecting and servicing policies.

• Complaints – USH&C has a negligible complaint ratio, indicating its ability to address customer grievances effectively.

Becoming a USH&C Agent

USH&C appoints licensed, trustworthy agents to promote its products and maintain strong local customer relationships. Agents enjoy attractive commissions, marketing support and technology from USH&C.

Here is a quick overview of becoming a USH&C agent:

• Ensure you have a valid state health/life insurance license.
• Undergo a background check and drug screening.
• Complete product training on USH&C’s offerings.
• Sign up for USH&C’s agent appointment agreement.
• Gain access to insurer’s agent portal and resources.
• Start selling USH&C’s products to earn commissions!

USH&C equips its agents with marketing content, training, and tools needed to effectively promote its niche products to local audiences.

Conclusion

United Security Health and Casualty Company is a stable regional insurer with close to 50 years of experience. It differentiates itself through:

• Specialized health and casualty insurance products
• Nimble operations across select Midwest/Southwest states
• Strong financial footing and positive customer feedback
• Focus on personalized services and local agent relationships

With excellent financial strength, customer satisfaction, and committed agents, USH&C presents a compelling value proposition for policyholders seeking quality insurance. Its unique market positioning makes it an appealing alternative to big national insurers.

So next time you need health or casualty insurance, be sure to get a quote from United Security Health and Casualty! Their combination of tailored products, competitive prices, and excellent service makes them an insurer worth considering.