BBB Accredited Business since

Global Underwriters Agency Inc.

Phone: (513) 533-1500 Fax: (513) 533-1055 View Additional Phone Numbers 3195 Linwood Avenue  Suite 201, Cincinnati, OH 45208

BBB Business Reviews may not be reproduced for sales or promotional purposes.


This company offers international health & life insurance, disability and defense contractors coverage.

BBB Accreditation

A BBB Accredited Business since

BBB has determined that Global Underwriters Agency Inc. meets BBB accreditation standards, which include a commitment to make a good faith effort to resolve any consumer complaints. BBB Accredited Businesses pay a fee for accreditation review/monitoring and for support of BBB services to the public.

BBB accreditation does not mean that the business' products or services have been evaluated or endorsed by BBB, or that BBB has made a determination as to the business' product quality or competency in performing services.

Reason for Rating

BBB rating is based on 13 factors. Get the details about the factors considered.

Factors that raised the rating for Global Underwriters Agency Inc. include:

  • Length of time business has been operating
  • Complaint volume filed with BBB for business of this size
  • Response to 1 complaint(s) filed against business
  • Resolution of complaint(s) filed against business

Industry Ratings Comparison | Chart

Customer Complaints Summary Read complaint details

1 complaint closed with BBB in last 3 years | 1 closed in last 12 months
Complaint Type Total Closed Complaints
Advertising/Sales Issues 0
Billing/Collection Issues 0
Delivery Issues 0
Guarantee/Warranty Issues 0
Problems with Product/Service 1
Total Closed Complaints 1

Customer Reviews Summary Read customer reviews

0 Customer Reviews on Global Underwriters Agency Inc.
Customer Experience Total Customer Reviews
Positive Experience 0
Neutral Experience 0
Negative Experience 0
Total Customer Reviews 0

Additional Information

BBB file opened: January 09, 1996 Business started: 01/01/1994 Business incorporated 01/25/1995 in OH
Licensing, Bonding or Registration

This business is in an industry that may require professional licensing, bonding or registration. BBB encourages you to check with the appropriate agency to be certain any requirements are currently being met.

These agencies may include:

Ohio Department of Insurance
50 W. Town Street, Third Floor Suite 300, Columbus OH 43215
Phone Number: 800-686-1526

Type of Entity


Business Management
Mr. Kenneth Schulteis, President
Contact Information
Principal: Mr. Kenneth Schulteis, President
Related Businesses
Global Claims Administration, LLC
Business Category

Insurance Companies Insurance - Health Insurance - Life Insurance - Disability Insurance Services Hospitalization, Medical & Surgical Plans

Business Management

Kenneth Schulteis is also identified in BBB files as the President of Global Claims Administration LLC. A separate report on Global Claims Administration is available upon request.

Industry Tips
Insurance (General Information)

Additional Locations

  • 3195 Linwood Avenue
    Suite 201

    Cincinnati, OH 45208 (513) 533-9800 (513) 533-1500 (800) 423-8496


BBB Customer Review Rating plus BBB Rating Overview

BBB Customer Reviews Rating represents the customers opinions of the business. The Customer Review Rating is based on the number of positive, neutral and negative customer reviews posted that are calculated to produce a score.

Customer Review Experience Value
Positive Review 5 points per review
Neutral Review 3 points per review
Negative Review 1 point per review

BBB letter grades represent the BBB's opinion of the business. The BBB grade is based on BBB file information about the business. In some cases, a business' grade may be lowered if the BBB does not have sufficient information about the business despite BBB requests for that information from the business.

BBB Letter Grade Scale

BBB Rating Value
A+ 5
A 4.66
A- 4.33
B+ 4
B 3.66
B- 3.33
C+ 3
C 2.66
C- 2.33
D+ 2
D 1.66
D- 1.33
F 1
NR -----
Star Rating scale

  Average Score
5 stars 5.00
4.5 stars 4.50-4.99
4 stars 4.00-4.49
3.5 stars 3.50-3.99
3 stars 3.00-3.49
2.5 stars 2.50-2.99
2 stars 2.00-2.49
1.5 stars 1.50-1.99
1 star 0-1.49

BBB Customer Review Rating plus BBB Rating is not a guarantee of a business' reliability or performance, and BBB recommends that consumers consider a business' BBB Rating and Customer Review Rating in addition to all other available information about the business. If the BBB Rating is NR then only Customer Reviews are used for the Star Rating.

Complaint Detail(s)

8/5/2016 Problems with Product/Service | Read Complaint Details

Additional Notes

Complaint: As Canadian medical missionaries volunteering with Samaritans purse from December of 2015 to May 2016 we were refered to Global Underwriters by this medical agency for our insurance. We were working as nurses in Northern Togo, west Africa ( to the full knowledge of Global Underwriters) and were based in austere conditions at a newly opened hospital in a town called Mango. We purchased medical and evacuation insurance from Global Underwriters and have been shocked by their gross unproffessionalism, complacency, inability to track claim forms and general lack of understanding. My wife became sick ( while in Africa) with malaria twice, parasites and ameboa. She required two hospital admissions, clinic visits and multiple physician consults. Meanwhile we were both still working four 12 hour shifts per week in the midst of multiple patient deaths, local violence, outbreaks infectious diseases and other issues common in a third world country. We paid in local currency cash to the hospital ( the only option available as credit cards, debit cards do not obviously exist in remote environments). We made Global Underwriters aware of these hospital admissions via the appropriate forms, submitting pictures of the papers provided by the hospital administration. Upon submitting the forms by email while still in Africa we received a confirmation email stating that Global Underwriters had opened up a case file. After waiting 25 business days for the claim to be reviewed ( as per the confirmation email received) we requested our power of attorney to inquire on the claim status. Global Underwriters denied receiving the claim and reluctantly accepted the original claim upon forwarding the original confirmation email. They stated that otherwise we would have to submit the entire claim as a new application. Upon reviewing the claim we have now received communication from the Global Underwriters that they require the world "Paid" to be stamped on the forms submitted even though the forms have been signed by the director of finance. I would like to make the fallowing points clear to both Global Underwriters and the BBB: 1. Global Underwriters is fortunate that we are able to even submit printed papers laying out the charges in detail as Mango, Togo, West Africa is a very remote and isolated location. 2. Togo is a French speaking country. The forms that were submitted were painstaking translated from French to English for the convenience of Global Underwriters as I assume none of the staff is fluent in French. Missing one single word "Paid" from the extensive documentation provided is not a prelude for the company to drag out the claim process 3. In the process of volunteering with Samaritans Purse and World Medical Mission it is the requirement of volunteers (not paid, no financial gain, no financial compensation, all expenses paid by the volunteer) to have multiple background checks, criminal record checks and references performed. It is appalling that despite all of these factors we have been treated by Global Underwriters as though we are attempting to defraud the company. 4. Regardless of the outcome of this complaint I will be launching a formal complaint with Samaritans Purse and World Medical Mission due to the issues as raised in previous paragraphs. It is not only dangerous for volunteers to embark on missions in which the majority of cases they become ill at least once without the full support of an insurance company that actually will support and fulfill its obligations during times of extream stress and in remote locations.

Desired Settlement: Global Underwriters will fulfill its obligations within the original timelines as specified in the contract. In addition a formal apology is required for the mismanagement of our claim. If this cannot be accomplished we demand a full refund of the fees paid as this insurance company has not fulfilled its obligations and looks to have no intention of doing so.

Business Response: Good morning,
I am emailing you in response to an email that was forwarded to us on behalf of the policy holder, Mr. **** ******. This is in reference to a claim that was filed for his wife, Mrs. Breanna ******.
We received an email from Mrs. ****** on 05/18/2016 stating she had tried to submit a claim a couple of times but her internet was unreliable. The email that we did receive on 05/18/2016 had an attached claim form, multiple prescriptions, a doctor’s office visit and labs.
We have this claim, in our system, pending additional information. This claim has not been denied.
An email was sent on 06/14/2016 to the insured’s mother, Ms. Wanda Wiebe, per the insured’s request as Ms. Wiebe was the best person to communicate with while the insured was out of the country. In this email we let Ms. Wiebe know that the documentation did not include proof of payment.
We have since been informed that the insured paid cash for this claim. Per our policies and procedures, we must have some sort of proof of payment. This could be something as simple as a “PAID” stamp on the invoice.
I want to ensure you that this claim is ready to be paid as soon as we receive proof of payment. I have attached copies of everything we have received to date in this email.

Business Response: I received the proof of payment on Saturday to make this claim payable. The check will print on 07/29/2016.

Customer Review(s)

The customer review(s) below are un-filtered. These positive and negative reviews are not used in the calculation of the BBB Rating. If you wish to file a complaint and request a resolution to your issue please click here. This customer review section is not BBBs complaint resolution system. Customer Reviews are the subjective opinion of the individual who posted the review and not of Better Business Bureau. A customer review is not posted on a business if a BBB complaint on the same issue(s) is also filed. BBB cannot guarantee the accuracy of any customer review and is not responsible for the content of any customer review. Public comments are not customer reviews.

Customer Reviews Summary

0 Customer Reviews on Global Underwriters Agency Inc.
Positive Experience (0 reviews)
Neutral Experience (0 reviews)
Negative Experience (0 reviews)