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333 Guadalupe St. P.O. Box 149104 Austin, TX 78714-9104

UNIFIED LIFE INSURANCE COMPANY

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Table of Contents
General Info | Contact Info | Types of Insurance | Use of Credit | Attorney for Service | Ratings | Financial Info | Premiums | Complaint Ratios | Company History | Company Officers

General Information:

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Type of Entity:  Authorized Company (AUTH)
Status of TX License:  Active
Company Status:  Normal Operations
License Number:  95596
License Type:  Life (LI)
NAIC Number:  11121
TDI Company Number:  95596
FEIN:  431917728
Home City/State:  TX
Origin:  Domestic
Date Incorporated/Organized:  05/11/2001
Date Licensed/Eligible/Registered in Texas:  05/15/2001
Date Cancelled/Ineligible/Inactive:  

Contact Information:

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Mailing Address:  7201 West 129th Street Suite 300
 Overland Park KS 66213
Office Number:  (913)685-2233
Toll Free Number:  (800)237-4463
Fax Number:  (913)685-2204


Types of Insurance Licensed to Write:

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Use of Credit:

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To determine if a company uses credit information for private passenger automobile or homeowners insurance.


Attorney for Service:

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Rating By Financial Organization:

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The following organizations rate insurance companies on their financial strength and stability. Some of these companies charge for their services.



Financial Information:

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As of: Dec. 31, 2011 Dec. 31, 2012 Dec. 31, 2013
Total Assets   $150,131,277     $170,599,885     $179,569,877  
Total Liabilities   $130,252,502     $150,239,632     $156,765,867  
Asset to Liability Ratio   1.1     1.1     1.1  
Capital   $2,500,000     $2,500,000     $2,500,000  
Net Surplus   $17,378,775     $17,860,253     $20,304,010  
Total Life Ins   $632,559,000     $597,436,000     $577,014,000  


Premiums:

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As of: Dec. 31, 2011 Dec. 31, 2012 Dec. 31, 2013
Life and Annuities   $482,321     $454,266     $463,063  
Accident and Health   $4,453,440     $5,617,407     $4,872,992  
Property and Casualty   N/A     N/A     N/A  
Total Texas Premium   $4,935,761     $6,071,673     $5,336,055  
National Premium   $28,460,113     $28,315,553     $29,328,661  


Complaint Information:

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When considering the company's complaint index and ratio, be sure to review the company history information displayed below for recent acquisitions, mergers, or other events that may affect the figures displayed for this company.


  Dec 31, 2012 Dec 31, 2013 Apr 11, 2014
Confirmed Complaints:      
Life and Annuity 0 0 0
Accident and Health 2 1 0
Homeowner 0 0 0
Automobile 0 0 0
Workers' Compensation 0 0 0
Complaint Ratio/Index Ratio Index Ratio Index  
Life and Annuities .0000 .0000 .0000 .0000 N/A
Accident and Health .0021 .8565 .0010 .3732 N/A
Homeowner N/A N/A N/A N/A N/A
Automobile N/A N/A N/A N/A N/A
Workers' Compensation N/A N/A N/A N/A N/A

Confirmed Complaints: the number of confirmed complaints closed against the company for the line of insurance and year indicated. A complaint is confirmed if the department receives information indicating that a company committed any violation of an applicable state insurance law or regulation, a federal requirement the department has authority to enforce or the term or condition of an insurance policy or certificate. A complaint is also confirmed if the complaint and company's response, considered together, suggest that the company was in error or that the complainant had a valid reason for the complaint.

Complaint Ratios: the ratio, expressed as a percentage, is the number of closed confirmed complaints divided by the number of policies the company had in force for the line of insurance and year indicated.

Complaint Index: indicates how a company's ratio of the number of complaints to the number of policyholders compares to the average for all insurers. The index is calculated by dividing the company's percentage of complaints for a specific line of insurance by the company's percentage of the policies in force for the same line of insurance. The average index is 1.00. A number less than 1 indicates fewer complaints than average; a number greater than 1 indicates more complaints than average. For the most recent completed year, a given insurer's index may change over time, as policy count data is received by TDI. This will affect each insurer's percentage of the total.

Complaints against an insurance company are not part of the complaint tally above if the insurance company served only as a Third Party Administrator (TPA), a company hired simply to administer the paperwork of a health plan. Instead, they are included in the complaint record of the insurance company or HMO that hired the TPA. If a bonafide self-insured benefit plan hired the TPA, no complaint numbers are recorded as a part of the company/TPA's profile. Neither are profiles available for self-insured plans, as such plans are regulated under federal law.


Company History:

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Date Event
02-18-2014 EFFECTIVE 02/10/2014 PARTIALLY REINSURED CERTAIN LIFE AND ANNUITY POLICIES OF UNIVERSAL GUARANTY LIFE INSURANCE COMPANY (93771) COLUMBUS, OHIO.
12-05-2013 FA-Hours: 24.5
05-14-2013 EFFECTIVE 01/01/2013 PARTIALLY REINSURED CERTAIN MEDICARE SUPPLEMENT POLICIES OF PENN TREATY NETWORK AMERICA INSURANCE COMPANY (29240) ALLENTOWN, PENNSYLVANIA.
EFFECTIVE 01/01/2013 PARTIALLY REINSURED CERTAIN MEDICARE SUPPLEMENT POLICIES OF AMERICAN NETWORK INSURANCE COMPANY (39020) ALLENTOWN, PENNSYLVANIA.
02-20-2013 EFFECTIVE 01/01/2013 PARTIALLY REINSURED CERTAIN LIFE, ANNUITY AND HEALTH POLICIES (ASSUMED FROM AMERICAN STANDARD LIFE INSURANCE COMPANY IN 1998) OF AMERICAN FIDELITY ASSURANCE COMPANY (2370) OKLAHOMA CITY, OKLAHOMA.
12-13-2012 EFFECTIVE 09/30/2012 PARTIALLY REINSURED CERTAIN PRE-NEED BUSINESS OF INDIVIDUAL ASSURANCE COMPANY, LIFE, HEALTH & ACCIDENT (93500) KANSAS CITY, MISSOURI.
11-27-2012 EFFECTIVE 10/01/2012 PARTIALLY REINSURED CERTAIN LIFE POLICIES OF INDIVIDUAL ASSURANCE COMPANY, LIFE, HEALTH & ACCIDENT (93500) KANSAS CITY, MISSOURI. EFFECTIVE 10/01/2012, PARTIALLY REINSURED CERTAIN HEALTH POLICIES OF INDIVIDUAL ASSURANCE COMPANY, LIFE, HEALTH & ACCIDENT (93500) KANSAS CITY, MISSOURI.
01-26-2011 EFFECTIVE 10/01/2010 REINSURED INDIVIDUAL LIFE AND ANNUITY POLICIES OF AMERICAN COMMUNITY MUTUAL INSURANCE COMPANY (96053) LIVONIA, MICHIGAN.
12-29-2010 EFFECTIVE 11/01/2010 REINSURED A BLOCK OF INDIVIDUAL ACCIDENT & HEALTH, GROUP ACCIDENT & HEALTH AND LIFE BUSINESS OF GUARANTEE TRUST LIFE INSURANCE COMPANY (37020) GLENVIEW, ILLINOIS.
10-29-2010 EFFECTIVE 10/01/2010 REINSURED INDIVIDUAL ACCIDENT AND HEALTH POLICIES, INCLUDING DISABILITY INCOME, LIMITED BENEFITS HEALTH INSURANCE AND MEDICARE SUPPLEMENT INSURANCE OF GERBER LIFE INSURANCE COMPANY (32985) WHITE PLAINS, NEW YORK.
01-23-2009 EFFECTIVE 01/01/2009 CONCORD HERITAGE LIFE INSURANCE COMPANY, INC. (19277) CONCORD, NEW HAMPSHIRE MERGED INTO COMPANY.
11-20-2008 EFFECTIVE 10/01/2008 PARTIALLY REINSURED ACCIDENT AND HEALTH POLICIES OF NATIONAL SAFETY LIFE INSURANCE COMPANY, PLYMOUTH MEETING, PENNSYLVANIA, NOT LICENSED IN TEXAS.
10-28-2008 EFFECTIVE 08/13/2008 DENTAL AND VISION POLICIES REINSURED BY HUMANA INSURANCE COMPANY (93526) DEPERE, WISCONSIN.
05-16-2008 EFFECTIVE 10/01/2007 REINSURED UNIVERSAL LIFE AND INTEREST SENSITIVE WHOLE LIFE POLICIES OF UNION LABOR LIFE INSURANCE COMPANY, THE (85130) SILVER SPRING, MARYLAND.
04-30-2008 EFFECTIVE 09/30/2007 REINSURED PRE-NEED INSURANCE AND DECREASING TERM LIFE POLICIES OF HERITAGE LIFE INSURANCE COMPANY (39420) PHOENIX, ARIZONA.
04-07-2008 EFFECTIVE 04/01/2008 REINSURED MEDICARE SUPPLEMENT POLICIES AND LIFE INSURANCE POLICIES ISSUED PRIOR TO 1999 OF NATIONAL FOUNDATION LIFE INSURANCE COMPANY (06109) FORT WORTH, TEXAS.
01-16-2008 AUTHORIZED TO OPERATE AS A THIRD PARTY ADMINISTRATOR.
10-11-2007 EFFECTIVE 10/01/2007 AMERICAN INSURANCE COMPANY OF TEXAS (03540) FORT WORTH, TEXAS AND NATIONAL FINANCIAL INSURANCE COMPANY (93483) FORT WORTH, TEXAS APPROVED TO MERGE INTO COMPANY.
07-20-2007 EFFECTIVE 04/01/2007 STANFORD LIFE INSURANCE COMPANY, PHOENIX, ARIZONA NOT LICENSED IN TEXAS MERGED INTO COMPANY.
05-18-2007 EFFECTIVE 01/01/2007 MID-ATLANTIC LIFE INSURANCE COMPANY CHARLESTON, WEST VIRGINIA NOT LICENSED IN TEXAS MERGED INTO COMPANY.
12-01-2006 APPROVED ACQUISITION OF NATIONAL FINANCIAL INSURANCE COMPANY (93483) FORT WORTH, TEXAS AND AMERICAN INSURANCE COMPANY OF TEXAS (03540) FORT WORTH, TEXAS.
01-03-2005 EFFECTIVE 01/01/2005 CAMERON LIFE INSURANCE COMPANY CAMERON, MISSOURI NOT LICENSED IN TEXAS MERGED INTO COMPANY.
07-07-2004 EFFECTIVE 01/01/2004 REINSURED REMAINING IN-FORCE LIFE POLICIES OF FREMONT LIFE INSURANCE COMPANY, A CALIFORNIA COMPANY NOT LICENSED IN TEXAS.
10-10-2002 MOVED HOME OFFICE FROM AUSTIN, TEXAS TO DALLAS, TEXAS.
03-13-2002 EFFECTIVE 12/01/2001 TOTALLY REINSURED BENEFIT LIFE INSURANCE COMPANY RICHARDSON, TEXAS. (93873) THROUGH THE TEXAS LIFE, ACCIDENT, HEALTH AND HOSPITAL SERVICE INSURANCE GUARANTY ASSOCIATION.
09-21-2001 FORMERLY: UNIFIED LIFE INSURANCE COMPANY OF TEXAS
08-07-2001 EFFECTIVE 05/01/2001 PARTIALLY REINSURED TEXAS BASED POLICIES OF UNIFIED LIFE INSURANCE COMPANY (05944) HOUSTON, TEXAS.
06-14-2001 ARTICLE 1.28, TEXAS INSURANCE CODE, WAS APPROVED TO MOVE THEIR BOOKS AND RECORDS OUT OF TEXAS.


Company Officers:

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Title Name
President JOHN E TILLER JR.
Secretary MARY M RIXEY
Treasurer TIMOTHY J BUCHANAN
Director TIMOTHY J BUCHANAN
Director WILLIAM M BUCHANAN
Director JOHN E TILLER JR.
Director RONALD E MILLER