Universal American Financial Corp. is a life and accident and health insurance holding company. Collectively, the Companys insurance subsidiaries are licensed to sell life and accident and health insurance and annuities in all 50 states, the District of Columbia and all the provinces of Canada. These products are designed primarily for the senior and self-employed markets. The principal insurance products are Medicare supplement, fixed benefit accident and sickness disability insurance, long-term care, home healthcare, senior life insurance and fixed annuities. The Company distributes these products through an independent general agency system and a career agency system. Its administrative services company acts as a service provider for both affiliated and unaffiliated insurance companies for senior market insurance and non-insurance programs.