Underwriting Management Experts (UME) Announces the Addition of Pristine A Rated Paper

Lansdale, PA—On March 1, 2018, UME announced a new partnership with Garden State Life Insurance Company, an A rated insurance company with an exemplary reputation in the insurance industry.

Garden State Life Insurance Company is a wholly-owned subsidiary of American National Insurance Company (ANICO) and is domiciled in Texas. Founded in 1956, the company is admitted in all 50 states and is licensed to write Accident, Health and Life Insurance.

Anne Marie Chapman, Chief Executive Officer of UME, expressed her enthusiasm for this new arrangement: “Garden State is an excellent organization with a strong track record of reliable and innovative services. This partnership allows UME to offer a unique, pristine, A rated paper to our partners, leading to long-term solutions and future growth.”

UME and Garden State will begin their partnership immediately. Any questions can be directed to Anne Marie Chapman at 1-855-315-5088 ext. 707.

Underwriting Management Experts (UME) is a full-service Managing General Underwriter of employer stop-loss coverage with our Home Office located in Lansdale, PA; Satellite offices in Pittsburgh, PA; Philadelphia, PA; Avalon, New Jersey; Lewes, Delaware and Tampa, FL. UME is on the cutting edge, providing a multitude of flexible, innovative products and solutions which are crucial to creating success in an ever-evolving marketplace. Our current product offerings include: Traditional Employer Stop-Loss, Maximum Advantage, Student Medical, MEC offerings, RBP Options, and Life Products, as well as Captive ownership, Captive Cell Rental, Reinsurance, Underwriting and Backroom Support Services for Carriers and Partners.


Garden State Life Insurance Company (“GSLIC”) has been evaluated and assigned the following ratings by nationally recognized, independent rating agencies.  The ratings are current as of December 13, 2017. A.M. Best A

Ratings reflect current independent opinions of the financial capacity of an insurance organization to meet the obligations of its insurance policies and contracts in accordance with their terms. They are based on comprehensive quantitative and qualitative evaluations of the company and its management strategy.  The rating agencies do not provide ratings as a recommendation to purchase insurance or annuities. The ratings are not a warranty of an insurer’s current or future ability to meet its contractual obligations.

Ratings may be changed, suspended, or withdrawn at any time. For the most current ratings, view the full rating reports on Garden State Life Insurance Company’s website at www.americannational.com.