UCT is a way of life. We're a fraternal benefit society driven by our members & their dedication to community service. Our charitable efforts across North America are possible through the sales of our insurance products. UCT was founded in 1888 by a small group of traveling salesmen who needed to ensure their families' financial security should something happen to them. Each individual contributed money to a shared account that was used to help members in need – creating one of the earliest forms of insurance. Today, UCT offers community service opportunities, member benefits and insurance & financial products to people from all walks of life. UCT's non-profit status means that our insurance operations help support our members’ community service efforts and enable us to make a difference in the lives of others. Members decide which causes and charities to support and how to best meet the needs of their communities. UCT is about YOU. You can make a difference by volunteering in your community. You can make a difference by choosing UCT for your insurance needs. Or, you can do both – the choice is yours!