Union America Insurance Agency

Independent Insurance Brokers – Agents

We Represent You - Not the Insurance Company

Union America Insurance Agency
a California Corporation


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Unlike captive insurance agents who represent Farmers Insurance Group, State Farm Insurance, and Allstate Insurance, we represent our clients – the insured. Captive agents represent and are committed to their insurance company.

Ask a Farmers Agent – which policy is best?
Answer: Farmers

Ask a State Farm Agent – which policy is best?
Answer: State Farm

Ask an Allstate Agent – which policy is best?
Answer: Allstate

They cannot all be the best.

Only an independent insurance broker-agent, who represents the insured, can provide an unbiased recommendation that you can rely upon.

Union America Insurance Agency (UAI), a California Corporation, (Union America) is an independent broker-agent that can offer you, the insured, dozens of choices, assuring you that the insurance companies are forced to compete for your business. Our compensation is paid only after you accept the policy.

Property that can be protected and types of insurance policies that are available include:

Insurance companies that offer policies through independent broker-agents include:

  • Aetna
  • Aflac
  • Allied Insurance
  • American General
  • American International Group (AIG)
  • American National Insurance Company
  • Anthem Blue Cross Blue Shield
  • Bankers Life and Casualty
  • CAN Financial
  • Chubb Corporation
  • Cigna
  • Colonial Life & Accident Insurance Company
  • Fortis
  • Guardian Life Insurance Company of America
  • Hanover Insurance
  • HCC Insurance Holdings
  • Health Net
  • Humana
  • Jackson National Life
  • John Hancock Financial
  • Kaiser Permanente
  • Liberty Mutual Insurance
  • Lincoln National Corporation
  • Massachusetts Mutual Life Insurance Company
  • Mass Mutual
  • Mercury Insurance Group
  • MetLife
  • Mutual of Omaha
  • Nationwide
  • New York Life Insurance Company
  • Northwestern Mutual
  • PacificCare
  • Pacific Life
  • Penn National Insurance
  • Physicians Mutual
  • Primerica
  • Progressive Insurance
  • Prudential Financial
  • Reliance Insurance Company
  • Safeco
  • Sentry Insurance
  • Standard Insurance Company
  • State Compensation Insurance Fund
  • Sun Life Financial
  • The Guardian
  • The Hartford
  • Transamerica Corporation
  • Travelers Companies, The
  • United Health Group
  • Wellpoint
  • Zenith Insurance Company
  • Zurich in North America

Self-Directed IRA and 401K

Accounts - Arrangements

Union America Insurance Agency (UAI) can assist you in establishing a Self-Directed IRA or 401K enabling you to maximize the financial return on your savings. We can also assist you in selecting safe, secure investments. Self-Directed IRA and 401K Accounts.

Questions to Ask Yourself Before Buying Life Insurance

If I die early, will there be sufficient funds for my spouse and children to:

The amount of life insurance needed depends upon the following factors:

  • The amount of your current savings and safe investments;
  • Your age, the age of your spouse, and the age of your children;
  • The earning capacity of your spouse;
  • The level of your debts including home mortgage;
  • The condition of your health;
  • The condition of the health of your family members;
  • Any special needs to be addressed;
  • Your financial ability to purchase life insurance;
  • Your willingness to sacrifice in order to provide security for your family; and
  • What will be the life settlement value of my insurance policy if I decide to sell it to an investor in 3, 5, 10, 15, or 20 or more years?

At no cost, and without any obligation, we can assist you in developing a financial plan to protect your family. Evening and weekend appointments are available.


Life Insurance - Under $1.00 Per Day

As life expectancies have increased due to modern medicine and improved nutrition, life insurance premiums have declined. The average cost of life insurance has declined substantially over the last ten years. Today, most people can protect the people they love for under $1.00 per day. Call for a free quote. You will probably be pleasantly surprised to learn how much protection you can afford to provide your loved ones for under $1.00 per day.


Earn 5% Annually

Clients of our firm can earn 5% annually on their invested funds of $25,000 or more, invested for periods of five years. The return is payable monthly. Call us for information. This is not an offer to invest. An offer can be made only in writing.


Part-Time Insurance Administrator for

Property Management Companies

Most property management companies are skilled at managing properties, but are not necessarily experts in insurance coverages. If that describes your property management firm, we have the solution. Our Part-time Insurance Administrator Service provides you with a professional who will help take your business to the next level. Our service includes reviewing all of the insurance policies covering managed properties and all of the policies covering contractors that provide property repair and maintenance services. Please call us to obtain additional information and a no obligation proposal.


Asset Protection

Asset protection plans include both insurance and legal planning. Union America Insurance Agency can assist you with all of your insurance needs. For asset protection legal planning ask for attorney Michael Chulak.


Insurance Agents Wanted

UnionAmericaInsuranceAgency.com is in need of full time and part time licensed insurance agents to concentrate on the Conejo Valley, Simi Valley, the San Fernando Valley, and other areas of Southern California. We generate leads through affiliated businesses, direct mail advertising, referrals, and this website. The following businesses, which are owned by one or more of our shareholders, provide a steady source of leads: CoastManagement.net, Michael T. Chulak & Associates, PacificRealtors.net, CoastSecurityServices.com, Element Emergency Restoration Services, and First Nationwide Accounting Services. We need insurance agents who are dedicated to providing our clients with first rate service, have excellent communication and computer skills, and who have the ability to work both independently and as a member of a team. Please provide us with your resume if you are interested in joining our independent insurance brokerage firm.


Acquisition and Merger Opportunities

Union America Insurance Agency is seeking to acquire one or more small independent insurance brokerage firms as part of our expansion plan. If you are an independent insurance broker located in Los Angeles County or Ventura County, and you are thinking about selling or merging, please contact our in-house legal counsel, Michael Chulak, for a confidential discussion.


Union America Claims Service

Unlike captive insurance agents who represent their company and who will refer you the company insurance adjuster (whose job is to pay as little as possible), we assist our clients in processing client claims. Unfortunately, accidents happen and losses occur. This is the reason people buy insurance. When the unexpected takes place, you need unbiased, helpful advice and assistance. This is what you get when you do business with UAI, an independent insurance broker-agent.


Disclaimer - Important

The information presented on this site was prepared for general information purposes only and may not represent the terms of an insurance policy that you may purchase. Since insurance policies are not identical, there is no substitute for obtaining good advice from an independent insurance broker-agent and making certain that you fully understand what you are getting and what may not be included. Purchasing insurance is an important decision. We urge you to consider your decision carefully. Union America Insurance Agency wants to protect you.




Union America Insurance Agency

Five Reasons to Use an Independent Insurance Agency

Sell Your Life Insurance Policy for Cash

Frequently Asked Questions

Owners and Biographies of Management

Glossary of HOA and CID Terms


Areas Served:

Los Angeles County:

Acton, Agoura, Agoura Hills, Agua Dulce, Alhambra, Altadena, Arcadia, Arleta, Artesia, Avalon, Azusa, Baldwin Hills, Baldwin Park, Bassett, Bell, Bell Canyon, Bell Gardens, Bellflower, Beverly Hills, Bouquet Canyon, Box Canyon, Burbank, Calabasas, Calabasas Hills, Canoga Park, Canyon Country, Carson, Castaic, Century City, Cerritos, Chatsworth, Claremont, Commerce, Compton, Covina, Cudahy, Crystalaire, Culver City, Del Sur, Diamond Bar, Downey, Duarte, East Los Angeles, East Rancho Dominguez, El Monte, El Segundo, Encino, Firestone Park, Flintridge, Gardena, Glassell, Glassell Park, Glendale, Glendora, Granada Hills, Hacienda Heights, Hawaiian Gardens, Hansen Dam, Hawthorne, Hermosa Beach, Hidden Hills, Highland Park, Hollywood, Huntington Park, Industry, Inglewood, Irwindale, La Canada Flintridge, La Crescenta- Montrose, La Habra Heights, La Mirada, La Puente, La Verne, La Canada, Lake Hughes, Lake Los Angeles, Lake View Terrace, Lakewood, Lancaster, Lawndale, Leimert Park, Lennox, Leona Valley, Lincoln Heights, Littlerock, Lomita, Long Beach, Los Angeles, Lynwood, Malibu, Manhattan Beach, Marina Del Rey, Maywood, Mission Hills, Monrovia, Monte Nido, Montebello, Monterey Park, Mount Baldy, Mount Wilson, Newhall, North El Monte, North Hills, North Hollywood, Northridge, Norwalk, Pacoima, Palisades, Palmdale, Paramount, Pearblossom, Pico Rivera, Pomona, Quartz Hill, Rancho Dominguez, Rancho Palos Verdes, Rancho Park, Redondo Beach, Reseda, Ritter Ranch, Rolling Hills, Rolling Hills Estates, Rosemead, San Dimas, San Fernando, San Gabriel, San Marino, San Pedro, Santa Clarita, Santa Fe Springs, Santa Monica, Saratoga Hills, Saugus, Sherman Oaks, Sierra Madre, Signal Hill, South El Monte, South Gate, South Pasadena, Stevenson Ranch, Studio City, Sun Valley, Sun Village, Tarzana, Temple City, Toluca Lake, Topanga, Torrance, Tujunga, Universal City, Val Verde, Valencia, Valley Village, Van Nuys, Venice, Vernon, Walnut, Walnut Park, West Covina, West Hills, West Hollywood, West Los Angeles, West Toluca Lake, Westchester, Whittier, Wilmington, Windsor Hills, Winnetka, Woodland Hills.

Ventura County:

Camarillo, Channel Islands, Faria Beach, Fillmore, Moorpark, Newbury Park, Oak Park, Oak View, Ojai, Oxnard, Port Hueneme, Santa Paula, Saticoy, Somis, Simi Valley,Thousand Oaks, Ventura (San Buenaventura), Westlake Village.

Orange County:

Aliso Viejo, Anaheim, Balboa Island, Brea, Buena Park, Corona Island, Costa Mesa, Cypress, Dana Point, Foothill Ranch, Fountain Valley, Fullerton, Garden Grove, Huntington Beach, Irvine, La Habra, La Palma, Ladera Ranch, Laguna Beach, Laguna Hills, Laguna Niguel, Laguna Woods, Lake Forrest, Los Alamitos, Mission Viejo, Newport Beach, Newport Coast, Orange, Placentia, Rossmoor, San Clemente, San Juan Capistrano, Santa Ana, Santa Ana Heights, Seal Beach, Stanton, Tustin, Tustin Foothills, Villa Park, Westminster, Yorba Linda.

San Bernardino County:

Adelanto, Apple Valley, Barstow, Big Bear, Big Bear City, Chino, Chino Hills, Colton, Crestline, Fontana, Grand Terrace, Hesperia, Highland, Joshua Tree, Lake Arrowhead, Landers, Loma Linda, Montclair, Morongo Valley, Needles, Ontario, Rancho Cucamonga, Redlands, Rialto, Running Springs, San Bernardino, Twentynine Palms, Upland, Victorville, Yucaipa, Yucca Valley.

Riverside County:

Anza, Banning, Beaumont, Bermuda Dunes, Blythe, Cabazon, Calimesa, Canyon Lake, Cathedral City, Cherry Valley, Coachella, Corona, Desert Hot Springs, East Blythe, East Hemet, El Cerrito, Glen Avon, Hemet, Highgrove, Home Gardens, Homeland, Idyllwild- Pine Cove, Indian Wells, Indio, La Quinta, Lake Elsinore, Lakeland Village, Lakeview, Mecca, Mira Loma, Moreno Valley, Murrieta, Murrieta Hot Springs, Norco, Nuevo, Palm Desert, Palm Springs, Pedley, Perris, Quail Valley, Rancho Mirage, Riverside, Rubidoux, San Jacinto, Sun City, Sunnyslope, Temecula, Thousand Palms, Valle Vista, Wildomar, Winchester, Woodcrest.

Santa Barbara County:

Ballard, Buellton, Carpinteria, Gaviota, Goleta, Guadalupe, Hollister Ranch, Hope Ranch, Isla Vista, Lompoc, Los Alamos, Los Olivos, Mission Canyon, Mission Hills, Montecito, Orcutt, Santa Barbara, Santa Maria, Santa Ynez, Solvang, Summerland, Toro Canyon

San Diego County: 

Carlsbad, Chula Vista, Coronado, Del Mar, El Cajon, Encinitas, (Cardiff-by-Sea, Leucadia, Olivenhain), Escondido, Fairbanks, Ranch, Fallbrook, Imperial Beach, Julian, La Mesa, Lake San, lakeside, Lemon Grove, National City, Oceanside (San Luis Rey), Poway, Romona, Rancho San Diego, Rancho Santa Fe, San Diego, San Marcos, Santee, Solana Beach, Hidden Meadows, San Diego County Estates, Spring Valley, Vista. 

Kern County: 

Arvin, Bakersfield, Bear Valley Springs, Boron, California City, Delano, Frazier Park, Lake Isabella, Lebec, Maricopa, McFarland, Mojave, Pine Mountain Club, Ridgecrest, Rosedale, Shafter, Taft, Tehachapi, Wasco, Wofford Heights. 

Alameda County, Alpine County, Amador County, Butte County, Calaveras County, Colusa County, Contra Costa County, Del Norte County, El Dorado County, Fresno County, Glenn County, Humboldt County, Imperial County, Inyo County, Kern County, Kings County, Lake County, Lassen County, Los Angeles County, Madera County, Marin County, Mariposa County, Mendocino County, Merced County, Modoc County, Mono County, Monterey County, Napa County, Nevada County, Orange County, Placer County, Plumas County, Riverside County, Sacramento County, San Benito County, San Bernardino County, San Diego County, San Francisco County, San Joaquin County, San Luis Obispo County, San Mateo County, Santa Barbara County, Santa Clara County, Santa Cruz County, Shasta County, Sierra County, Siskiyou County, Solano County, Sonoma County, Stanislaus County, Sutter County, Tehama County, Trinity County, Tulare County, Tuolumne County, Ventura County, Yolo County, Yuba County

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