Exhibit 21

Unico American Corporation

Listing of 100% owned Subsidiaries of the Registrant- -

All Domiciled in California

December 31, 2021

Company

Crusader Insurance Company

American Acceptance Corporation

American Insurance Brokers, Inc.

Bedford Insurance Services, Inc.

General Coverage Corporation (Inactive)

National Coverage Corporation (Inactive)

National Insurance Brokers, Inc (Inactive).

The Insurance Club, Inc.

U.S. Risk Managers, Inc.

Unifax Insurance Systems, Inc.