Universal Insurance Services (UIS) and its divisions take quality service beyond the everyday realm of industry buzzwords and great-looking collateral materials, and into the reality of a vibrant, company-wide attitude that keeps institutions, general agencies and advisors too happy to even think about using another firm for their business. Our infrastructure was built to cater to the professionals and organizations who want to spend more time on growing and retaining their clients and doing what they do best.

This allows us to serve you beyond the processing of a piece of business. The advisory industry is complicated enough and we understand the time constraints you or your organization has on a daily basis. Support in those areas is not easy to come by. That's where we come in. Our professional team goes beyond the norm; committed to accuracy, creativity and a high sense of urgency in getting your business processed and paid.

UIS is proud to have been associated with some of the brightest minds in the financial industry; over the years we have created a platform of specialists within our organization to support almost any situation that may arise. We have the knowledge to aid our clients in educating, closing and creating sales opportunities. Our Advanced Sales department is a team of dedicated professionals who are available to assist you with maneuvering the complexities of case design. Through the diversity of our talent, we are able to take a holistic approach when assisting you with a case and provide perspective on how different factors will affect the outcome for your client. Universal's Advanced Sales resources include:

Tax & Legal
Securities Knowledge and Expertise
Innovative Sales Strategies
Advanced Case Design
Advisor Coaching and Marketing
Case Close Support
Carrier Selection & Product Design
Second Opinion/Review/Audit Services

Knowledge Is Power 

Understanding that products and underwriting alone will not necessarily grow your business, we have built a universe of experts that have decades of experience and achieved top tier success as financial advisors, case managers and senior management. This experience allows us to have a deep understanding of what our clients go through day to day in the trenches.  In addition, our staff has achieved accolades in the industry for their expertise, sitting on advisory boards with over 15 carriers, ranging from product design to advanced planning.

When it comes to strategic support we believe that our staff is unmatched. Our company philosophy and persistent drive towards excellence attracts diverse talent from some of the industry’s top organizations. We combine this talent with cross-training techniques that empower our staff to provide a distinctive point of view when developing solutions for complex cases.

UIS support for Executive Benefits is bred from experience, history and familiarity working with life insurance offerings tailored to the benefits marketplace and the ability to offer unique insurance products to meet the needs of executives. We have access to the country’s leading third-party administrator services and we work strategically with other companies to develop packages designed for executive retention.

In the complex world of Premium Finance Universal saves time and provides clarity to a process that is often overwhelming. Our focus on holistic case management combined with our seamless delivery of product and financing provides our producers with dependable back-office administration.   Taking financing to a different level, we maintain an department whose sole focus is to decipher, design and deliver the best alternatives in the   finance markets. Our relationships with banking institutions and credit departments around the world allows us to design the solution to fit the client while others attempt to fit a client into a product or program.

Estate Preservation & Liquidity is traditionally considered the foundation of insurance planning. Staying ahead of legislative changes, product     updates and wealth transfer strategies provides Universal with the resources necessary to allow our clients to solve their customers challenges  efficiently. Seen as an industry “go to” for super-net worth clients, consistently designing cases  with face amount in excess of $100,000,000,      Universal continues to enhance the estate planning marketplace with unique and fundamental planning techniques.

Leveraging this knowledge and experience allows us to serve you beyond the processing of a piece of business. We were structured with one thing in mind; making you more successful.

UIS invites you to explore how you may significantly increase your financial services practice by utilizing our proven marketing strategies. Fueled by a vast array of readily available information, consumers in today's increasingly competitive financial service environment have become more savvy and knowledgeable than ever before about financial service products and planning concepts. As an expert in this field, your marketing acumen and product expertise, as well as the tools you employ to get your ideas across, are critically important in attracting and maintaining a strong client base and are the key to giving you the competitive edge you need to grow and maintain your business. 

privateAdvisor Suite:  Our proprietary marketing program, which creates a unique opportunity to work with companies/associations from 1-1000’s of employees/members focused on providing financial literacy, transitional services, survivorship (pre and post death planning) and financial planning services. Private Advisor strategically takes into consideration the legal and fiduciary requirements of those companies, creating a “turn key” approach to the organization’s responsibility.  Major Corporate Clients as well as professional athletic associations have chosen to use this program.

Advisor Architect (A ²): UIS provides personalized practice management and business modeling at a high level for the highly productive firm or producer.  A personal COO and CFO to aid in the modeling, development and follow through of a successful business model. Available to BGA’s, BD’s as well as at the producer level.

Practice Management:  Helping firms make intelligent business decisions for long-term success. Our optimization process guides firms of all sizes and disciplines through a logical diagnose, plan, implement, and operate sequence. Universal’s Practice Management tools and resources are designed specifically to facilitate increases in growth, efficiency, and ongoing business value. Each step in the practice optimization process answers specific questions which will enable you to systematically increase the value of your business.

Coaching: We work with advisors to better their business and themselves for a more efficient and higher revenue generating practice. By looking into your planning objectives and marketing initiatives, we can help you develop a high quality, well rounded practice without the added expense of "coaching" fees. 

Top Advisor Forums:  With advisors spread out around the country and many doing very well financially, we have found access to this network a fantastic addition to the marketing expertise of this organization. The sharing of ideas and concepts, along with many joint work opportunities, creates a better business situation for all of us. Our forum includes an annual summit with cutting edge ideas, concepts and top speakers.

**The ADVISOR Program (Professional Partnership):  A tailored financial services program for CPAs/Attorney designed to solve and service their client’s financial needs through a professional partnership with a registered representative to achieve maximum client satisfaction.

**Workshop Program:  Helps advisors conduct high impact turn-key seminars that have assisted in increasing their revenue substantially. This program has helped advisors reach high asset levels plus strong volume in target life insurance premium and annuities.

**Professional Golf Marketing:  Let a professional golfer along with a unique marketing program allow you to build your business like never before. This market focuses on super net worth and professional alliances.

Financed Insurance Planning:  Exciting new concepts to aid the proper prospect with their life insurance goals. One of the most advanced and experienced networks available.

*"Second Opinion Services/Review/Audit" : These services will add value to your presentations for your clients and differentiate you from everyone else. With a high quality "second opinion" analysis of your client’s particular situation, our team of specialists are just waiting for your call.

Case Consultation & Sales Support:  Once the design team has assisted you we can work with you and your staff to decipher the products on the market and help you decide what may fit, or even come up with something you may not have thought of.  The Sales Support team can even help you close cases—only to make YOU and YOUR firm more valuable in the eyes of your clients.

* These programs require a production requirement
** These programs require both a production requirement as well as a possible fee sharing.

 

A cornerstone of the UIS service platform is our unparalleled relationships that we maintain with our carriers, including their top underwriting staff. These relationships afford us a unique perspective into how our carriers will respond to a case, allowing us to target our submissions for the best outcome.  Our carriers appreciate both our passion and our diligence when pursuing cases. They understand that we will only pursue a case if we believe in its viability. In turn our agents only benefit by our strategic and upfront analysis; as our thoroughness alleviates carrier inundation. This approach has strengthened our carrier relationships, decreased processing times and amplified our production.

As an advocate for the agent (client) and the insurance carrier; Universal has been able to forge unique relationships and ultimately accomplish what other BGA’s cannot, nor have the resources to do.  We distinguish ourselves by the work we do up front and in the way we package a case, whether  it be informal or formal business. In addition Universal’s principals sit on several carrier boards, continually requested to aid in product design, underwriting guidance and marketing initiatives. These resources allow us to stay ahead of the competition and potentially have access to product and systems not available to other organizations nationally.

A true independent brokerage general agency, we provide access to the world’s leading carriers across life insurance and annuities, disability income and long-term care.  As a subsidiary of National Financial Partners (NFP), Universal Insurance Services has relationships with over 30 major insurance carriers and has helped account for close to a billion dollars* in target premium. NFP continually ranks as a number one “producer” for many carriers and in the top with dozens more, this puts our organization in a position to assist in your business like no one else can. 

We believe our philosophical approach to underwriting business is a distinguishing factor, and it enables us to have an industry leading informal to formal ratio. Beyond having an in-depth understanding of our carriers, this is where our belief in proactive thought really makes a difference. 

When you decide to place an informal case with Universal, this is what you can expect:

•  A talented, focused underwriting team dedicated to informal business
•  Quick turn-around: Goal is 3-5 days to medically summarize and submit a case
•  A stringent initial assessment on cases, we call it “Double-Scrubbing”
•  A fully secured, paperless informal department that allows us to manage large volumes of  personal data  efficiently
•  Real-time online case management providing access to all offers in one convenient location
•  All business is processed within 24hours of receiving a complete application

We are privileged to have created a team of respected experts with over 75 years of experience in the underwriting marketplace. Our Chief Underwriter, directed the Underwriting department for a leading carrier for over 20 years, bringing true expertise in handling complex medical and financial risks, especially in the affluent, high-net worth market.  Under her direction, Universal’s underwriting department has first hand knowledge of all aspects of the life insurance underwriting process and maintains close working relationships with medical directors and senior underwriters at the carriers.  This experience has included training many of the underwriters running carriers today. Our internal team is comprised of experts in all facets of the process and possess a depth of knowledge in medical and mortality modeling unsurpassed by our competitors.  Steeping our negotiations in fact allows Universal to maintain resounding carrier respect while achieving the best results for our clients. With several RN’s, and multiple internal informal and formal staff, we pride ourselves on providing an efficient underwriting process.

We utilize professionals, including physicians, actuaries and underwriters, committed to ensuring that you are evaluated according to your unique circumstances, rather than how you fit into a statistical model.  For our clients, this often means a favorable negotiating edge, competitive costs,  greater benefits and higher limits.

Clik here to see one of our Underwriting resources in action: UnderwritingExpert

The Product Resources area is designed to save you time and effort by offering valuable life insurance product analysis. We developed several tools and resources to help your firm drive revenue and stay up-to-date with life insurance industry trends. Each section of the Product Resources area has been developed to give you the competitive edge when determining the right product for the right situation.

A true independent brokerage general agency, we provide access to the world's leading carriers across life insurance and annuities, disability income and long-term care. You benefit from the depth of our experience and the independence of our advice. As a subsidiary of National Financial Partners (NFP), Universal Insurance Services has relationships with over 30 major insurance carriers and has helped account for close to a billion dollars* in target premium. NFP continually ranks as a number one "producer" for many carriers and in the top with dozens more, this puts our organization in a position to assist in your business like no one else can.

Dedicated to training and educating the staff, producers and principals who choose to partner with UIS. Our unique experience throughout the financial services industry has allowed us to create a broad array of training and tools to aid our advisory clients with the knowledge they need to excel in their business. With cutting edge concepts, legislative changes and design we are aware of the industry like no other.
We are pleased to provide an exciting list of offerings each and every year! We encourage you to take advantage of a training schedule designed to fit the needs of all life insurance firms through conferences, virtual classroom trainings and webinars. The variety of learning methods and content is designed to serve the ever-evolving needs of your firms, your staff associates and producers.

PrivateAdvisor Suite is one of our proprietary marketing program, which creates a unique opportunity to work with companies/associations from 1-1000’s of employees/members focused on providing financial literacy, transitional services, survivorship (pre and post death planning) and financial planning services. Private Advisor strategically takes into consideration the legal and fiduciary requirements of those companies, creating a “turn key” approach to the organization’s responsibility.  Major Corporate Clients as well as professional athletic associations have chosen to use this program. 

Read the Benefits Selling magazine article featuring privateAdvisor Suite.

Universal Insurance Services offers one of the most comprehensive brokerage general agency websites available (password protected). Here you will find everything you need to evaluate multiple carriers, research health and medical situations, shop your case for the most appropriate offer, confirm your case requirements, and manage your pending business.  Register for access today and explore how Universal's industry-leading tools and resources can maximize your earning potential.