Universal American Financial is a specialty health and life insurance holding company, with an emphasis on providing a broad array of health insurance and managed care products and services to the growing senior population. In the past 10 years, Universal American has become a leading provider of Medicare Supplement coverage, as well as other products designed for the senior market. The primary element of its success has been distribution, risk management and acquisitions. Its principal health insurance products for the senior market are Medicare Supplement and Medicare Advantage. Universal American also sells specialty health insurance to self-employed individuals in the United States and Canada, as well as life insurance and fixed annuities. The company distributes these products through a career agency system and an independent general agency system. It also provides administrative services for senior market insurance and non-insurance programs to affiliated and unaffiliated insurance companies. Universal American Financial is located in Rye Brook, N.Y.