Life Insurance

Life Insurance

We do the shopping so you save. Here's a comparison of Whole Life insurance costs among different companies to help find the best final expense insurance rate available. We offer Whole Life Insurance, Final Expense Insurance that require no health exam, guaranteed coverage and creates cash value. These policies come with fixed premium which never goes up and policy can never be cancelled except non-payment of premium. Some policies come with PAID UP feature where your coverage stays in force for the rest of your life without having to pay another single premium. If you haven't checked with us, you are probably paying more. Call today to find how much we can save on your insurance.

Life Insurance ... ... ...
it's better to have and not needed than need it and not have it !

Comparison of Whole Life insurance rates among companies like Foresters, Columbian Life, Forethought, Assurity and Transamerica to help find best final expense insurance policy rate that require no exam and guaranteed coverage.

About Life Insurance

Life insurance provides funds for the loved ones in the event of insured's death. It is a contract with an insurance company that promises to provide an amount of money (the death benefit) to the beneficiary(s) upon the insured's death. In return, payor pays a premium, periodic payments to the insurance company.

Do It Yourself - How Much Life Insurance Do You Really Need?


The Right Life Insurance for you

Your policy's death benefit can fund your dependent's need for a long time after you're gone. Whether you buy life insurance to cover final expense, mortgage, income replacement or children's education, you're making a long-term commitment. That's why it is very important that you know exactly what type of life insurance and how much coverage you're buying and get the right advice from people who knows. Before buying any policy, ask yourself this question: If I were to die, what would my children, spouse, or dependents need in order to continue living the same lifestyle you have provided for them?

There is no one size fits all when it comes to life insurance. Term policies are very low cost and is appropriate for coverage up to a duration when the need no longer exists. However, it doesn't provide any cash accumulation and premium may rise to an unaffordable level once the term expires. Whole life, on the other hand, may allow you to pay when you're working making money and pay none when retired with fixed/less income. We at Universal Insurance Agency work with each individual need and look for better rates from multiple top rated life insurance carriers in the nation to find you the best coverage money can buy; contact us today for an anonymous quote to compare with what you may already have.

Life insurance can be used as a means of investment or savings.
It is important for anyone to have; however, it is absolutely necessary if:

You have a spouse

You are a parent

You have a sizable estate

You own a business

You Have an Aging Loved One Who Depends on Your Income

Your Retirement Savings Are Not Enough to Insure Your Future

Your Income Is Necessary to Maintain the Family Household

Your Dependents May Have many other Financial Problems

You Have Bills, Car Loan, or a Mortgage

Your Family Depends on Your Income to Live

Contact Us

Contact your local insurance agent in Dayton, Ohio, at (937) 867-2368
for a no obligation personal consultation. Or e-mail us at