Business Details
15 Years
experience
Your Trusted Partner for Faith-Based Insurance Solutions
United Insurance Solutions has been dedicated to providing kingdom-minded insurance solutions since 2011. Founded under the leadership of David Bernard, Jerry Jones, and Stephen Drury, we specialize in tailoring insurance programs for UPCI-credentialed ministers across the U.S. and Canada. Our mission is to offer financial security through medical, life, and supplemental insurance products, ensuring our clients can focus on their ministry without worrying about unforeseen challenges.With a team of experienced professionals, we combine over 15 years of industry expertise with a commitment to ethical service, maintaining partnerships with reputable carriers like The Hartford and Securian. Our approach emphasizes transparency, personalized support, and guaranteed-issue policies, reflecting our dedication to both trustworthiness and client-centric solutions.
Services
Medical Insurance
Life Insurance
Critical Illness Coverage
Accident Insurance
AD&D Insurance
Details
- Year established: 2011
Highlights and features
- We offer guaranteed-issue policies with no medical questions during open enrollment.
- Our team includes ordained ministers and 15+ years banking/insurance professionals.
- We specialize in UPCI-specific insurance programs since 2011.
- We partner with reputable carriers like The Hartford and Securian Insurance.
- We provide 24/7 claims support and online policy management tools.
Services
Medical Insurance
Our Senior Medical Plan fills gaps in traditional Medicare coverage for U.S.-based UPCI ministers aged 65+. This Hartford-insured program offers guaranteed issue policies with no medical questions, foreign travel benefits, and freedom to choose any Medicare-accepting provider nationwide. Monthly premiums vary by age, with electronic claims processing eliminating paperwork for beneficiaries.
Term Life Insurance
We provide supplemental term life insurance for UPCI ministers in the U.S. and Canada. Basic $10,000 coverage comes with licensure dues, while additional policies up to $250,000 are available for ministers and $50,000 for spouses. Premiums are age-based, with guaranteed issue options during open enrollment periods and 24/7 claims support for beneficiaries.
Critical Illness Coverage
This Transamerica-underwritten program offers lump-sum benefits for covered conditions like heart attacks or strokes. Designed for UPCI ministers, it provides financial support for medical expenses and living costs during recovery. Policies include yearly health screenings, no pre-existing condition exclusions, and guaranteed issue availability without medical exams.
Accidental Death & Dismemberment
Our AD&D coverage provides financial protection for accidental death or serious injuries like limb loss. Available up to $250,000, this Securian-insured product supplements existing life insurance. Policies feature affordable premiums, immediate coverage for enrolled ministers, and optional dependent protection with benefits paid directly to beneficiaries.
Universal Life Insurance
This Transamerica policy combines lifelong coverage with long-term care benefits. Ministers aged 18-80 can enroll up to $200,000 with guaranteed premiums. The plan includes accelerated death benefits for nursing home confinement and benefit restoration riders, ensuring full coverage remains for beneficiaries after long-term care usage.
People
Rick Lovall
President
President of Church Loan Fund and United Pentecostal Foundation with 15+ years banking experience. Ordained minister and former pastor with degree in Banking from Barret School of Banking.
Cole J. Romey
Vice President of Finance and Operations
Former attorney and financial industry professional with cattle ranching background. Joined The Stewardship Group in 2025 after legal practice in South Dakota and Nebraska.
Michael Loyd
Vice President & Broker/Agent
Licensed UPCI minister since 2004 with MBA and organizational leadership degree. Led UISI since 2021 after 6 years assisting with ministers' life plans.
Lanae Hern
Insurance Analyst
Human Services graduate with leadership development experience from Chick-fil-A. Joined UISI in 2023 after working as Director of Operations and attending Urshan College.
David K. Bernard
Chairman
Former General Superintendent of UPCI who helped establish UISI in 2011. Provides strategic leadership as Chairman of the board overseeing insurance operations.
Questions
Who qualifies for UPCI ministers' insurance programs?
U.S. and Canadian UPCI-credentialed ministers, their spouses, and dependents qualify for most programs. Some plans exclude Florida residents or Canadian full-time missionaries.
How do I file an insurance claim?
Contact UISI to report a claim, complete required documents, and return them for carrier submission. Most claims process within 4-6 weeks with direct deposit options available.
Can I get coverage without medical exams?
Yes, guaranteed issue options are available during open enrollment periods for term life, universal life, and critical illness policies without medical underwriting requirements.
What supplemental benefits are included?
Beneficiaries receive travel assistance, financial coaching, legal resources, and legacy planning tools. Policyholders access online pre-trip resources and 24/7 emergency travel support.
How do I update my beneficiary information?
Log in to the Transamerica Portal or contact UISI directly at 636-229-7946 to update beneficiary details for your insurance policies.
What payment options exist for premiums?
Automatic bank deductions and online payments are available. Benistar Admin Services handles monthly billing for senior medical plans with electronic payment options.
Videos
