Life • Mortgage Protection • IUL • Annuities • Medicare
Secure Your Future, Protect What Matters Most.
Tailored insurance and retirement solutions to safeguard your life, home, and legacy.
Comprehensive Coverage for Every Stage of Life
Whether you’re safeguarding your family, securing your retirement, or preparing for the unexpected, we’ve got tailored insurance and financial solutions to guide you every step of the way.
Final Expense
Whole Life Insurance
Term Life Insurance
Financial protection and peace of mind for your loved ones—now and for generations.
Indexed Universal Life
(IUL)
Blend life coverage with potential growth, securing both protection and future income.
personalized plans
Our licensed agents are standing by to help you tailor a plan to your needs.
Mortgage Protection
Safeguard your home and family from unexpected financial burdens.
Annuities
Create a steady income stream for retirement and guard against outliving your savings.
Medicare
Navigate Medicare with confidence—choose the right coverage at the right time.
A Trusted Partner for Your Family’s Financial Security.
Personalized Guidance
We take the time to understand your needs and craft coverage tailored to your lifestyle.
Expert Advisors
Decades of combined experience in life insurance, annuities, and retirement planning.
Fast & Transparent Process
No hidden fees, no confusing jargon—just clear, straightforward solutions.
Lifetime Support
We’re here for you at every stage, from your first policy to your golden years.
Average Cost of Funeral
%
Underinsured Americans
%
Annual Premium Increase
How It Works
Getting covered with Universe Coverage is easy and can be done in less than 30 minutes.
Schedule a Free Consultation
Fill out a quick form or give us a call. We’ll listen to your goals and coverage needs.
Explore Your Options
We’ll walk you through tailored plans for Life Insurance, Mortgage Protection, IUL, Annuities, or Medicare—so you can choose what fits you best.
Get Insured
Complete a short application, and once approved, you’ll have peace of mind knowing you’re fully protected.
Book A Free Consultation
What types of insurance do you offer?
We specialize in Life Insurance, Mortgage Protection, IUL (Indexed Universal Life), Annuities, and Medicare. Each option is tailored to different stages of life and financial goals—contact us to learn which coverage is right for you.
How do I know how much coverage I need?
Our team conducts a personalized needs assessment during your free consultation. We’ll review your financial situation, existing debts, dependents, and long-term goals to recommend the ideal coverage amount.
Do I need a medical exam for coverage?
It depends on the plan you choose. Some policies require a simple medical exam, while others offer no-exam coverageat potentially higher premiums. We’ll help you find the best fit based on your health profile and budget.
How quickly can I get insured?
Many applicants can get approved within a minutes—sometimes even faster if you choose a no-exam policy. Our streamlined process ensures minimal paperwork so you can get covered swiftly.
Can I adjust my coverage later?
Yes. Most policies can be updated or adjusted as your life circumstances change (e.g., marriage, new child, new mortgage). We’re here to help you revise your coverage to match your evolving needs.
What if I already have an insurance policy?
That’s great—you’re already thinking ahead! We can review your current coverage to see if it still aligns with your goals. If you’re underinsured or paying too much, we’ll suggest adjustments or alternatives.
How do annuities work?
Annuities are long-term investments designed to provide steady income during retirement. You contribute either a lump sum or periodic payments, and in return, you’ll receive regular payouts later, helping ensure you don’t outlive your savings.
Why is Mortgage Protection important?
Mortgage Protection helps ensure that if something happens to you—like a disability or passing—your mortgage payments are covered, preventing your family from facing foreclosure or major financial stress.
Do you offer free consultations?
Absolutely. We believe in transparency and education. Schedule a free consultation by filling out our online form or calling us directly, and we’ll walk you through your options without any obligation.
How can I get started?
Simply request a quote or book a consultation through our website. In a quick call or meeting, we’ll gather your details and suggest the best coverage for your needs.
Coverage For All Stages
We’re a dedicated team of insurance professionals committed to protecting your future and your loved ones. From Life Insurance and Mortgage Protection to IUL, Annuities, and Medicare, we simplify coverage so you can focus on what truly matters. With our personalized guidance and transparent approach, you’ll feel confident every step of the way.
By clicking “GET QUOTE”, “”SUBMIT” OR “CALL NOW” I provide my electronic signature and express written consent to telemarketing calls, text messages, emails, and postal mail from this website and Universe, LLC at the phone number including wireless number, email address, and postal address provided by me. I consent to calls and text messages transmitting insurance quotes, or seeking related additional information from me, using an Automatic Telephone Dialing System. I understand that my signature is not a condition of purchasing any property, goods, or services and that I may revoke my consent at any time. Additionally, by clicking, I acknowledge that I have read, understand, and agree to this Web site’s Privacy Policy.