**Exhibit 21.1**

**List ofSubsidiaries**

| **Name**                                                                         | ** ** | ** **   | ** ** | **State of  Incorporation** | ** ** | **Percentage  Owned** |
|----------------------------------------------------------------------------------|------------|--------------|------------|-----------------------------|------------|-----------------------|
| American Exchange Life  Insurance Company                                        |       | Texas        |       | 100%                        |
| American Pioneer Life  Insurance Company                                         |       | Florida      |       | 100%                        |
| American Progressive  Life & Health Insurance Company of New York  |       | New York     |       | 100%                        |
| Ameriplus Preferred  Care, Inc.                                             |       | Florida      |       | 100%                        |
| CHCS Services, Inc.                                                         |       | Florida      |       | 100%                        |
| Constitution Life  Insurance Company                                             |       | Texas        |       | 100%                        |
| Heritage Health  Systems, Inc.                                              |       | Texas        |       | 100%                        |
| Marquette National Life  Insurance Company                                       |       | Texas        |       | 100%                        |
| Peninsular Life  Insurance Company                                               |       | Florida      |       | 100%                        |
| Penncorp Life Insurance  Company                                                 |       | Canada       |       | 100%                        |
| Pennsylvania Life  Insurance Company                                             |       | Pennsylvania |       | 100%                        |
| Pyramid Life Insurance  Company                                                  |       | Kansas       |       | 100%                        |
| SelectCare  HealthPlans, Inc.                                               |       | Texas        |       | 100%                        |
| SelectCare of  Oklahoma, Inc.                                               |       | Oklahoma     |       | 100%                        |
| SelectCare of Texas, LLC                                                         |       | Texas        |       | 74.5%                       |
| Union Bankers Insurance  Company                                                 |       | Texas        |       | 100%                        |
| Universal American  Financial Corp. Statutory Trust I                            |       | Connecticut  |       | 100%                        |
| Universal American  Financial Corp. Statutory Trust II                           |       | Connecticut  |       | 100%                        |
| Universal American  Financial Corp. Statutory Trust III                          |       | Delaware     |       | 100%                        |
| Universal American  Financial Corp. Statutory Trust IV                           |       | Connecticut  |       | 100%                        |
| Universal American  Financial Corp. Statutory Trust V                            |       | Delaware     |       | 100%                        |
| Universal American  Financial Services, Inc.                                |       | Delaware     |       | 100%                        |
| WorldNet Services Corp.                                                          |       | Florida      |       | 100%                        |

 

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