Life Insurance Policy

If you need life insurance with living benefits, retirement planning, mortgage protection or college planning, you have come to the right place! UniVista Insurance provides you with the best possible plan to build you and your family’s future with the help of prestigious insurance companies.

It is difficult to find affordable, quality life insurance in Florida and California. It’s one of the reasons why so many people here either have no life insurance policy, or perhaps are stuck with a plan that simply doesn’t match their needs. If you found out you can get the right life insurance in Florida or California without the hours of effort, would you be interested?

We can help you better understand the benefits of life insurance and tailor an insurance policy to your needs at your budget. Look over our site – use the information and get an online life insurance quote to get a sense of how large a death benefit you need and what kind of life insurance policy to buy.

Term life insurance is often the most affordable coverage and straightforward form of protection, because it offers shield for a particular number of years. Univista Insurance offers a diversity of affordable term life insurance products to adjust your needs, time frame and budget.

Whole life insurance offers permanent protection with premiums that never increase, whole life allows you to provide for your family even when you can’t be there for them. Whole life insurance policies also give you the potential to receive dividends.

Living Benefits, There's more to life

Living benefits offer financial protection for an unforeseen health event.

Did you know, that every 40 seconds, a person in the US is diagnosed with cancer, a stroke or a heart attack? These unprecedented life events can prevent one from continuing to work that consequently leads to financial despair in covering daily expenses.

Univista Insurance offers you the financial security and peace of mind in case one of these events occur.

In a nutshell:

“LIFE INSURANCE YOU DON’T HAVE TO DIE TO USE”

Consider these facts:

This life insurance with living benefits not only protect your family, but you protect yourself in case of an event of this kind.

With the help of an agent we can help you design a life insurance policy with living benefits according to your financial means.

You will also have the opportunity to value how to use your life insurance as a strategy to obtain a “tax free” retirement plan or as a source of money to cover the costs of your children’s studies “college planning”.

College Planning

We know you want the best for your children. Higher education is a premium cost and we recommend financially securing their futures by planning ahead for college.

Mortgage Protection, Protection for your home

A life insurance policy helps protect your home, family and income in case of premature death or the financial devastation of a terminal, chronic, critical illness or critical injury.

Did you know that every 40 seconds in the US a person is diagnosed with cancer, stroke or a heart attack? These life events can prevent you from continuing to work and consequently produce the income that covers your daily expenses.

Univista Insurance offers you the financial security and peace of mind in case one of these life threatening events occur, through life insurance with living benefits. We provide greats coverages (no physical exam) and affordable premiums from companies you can trust.

Breathe Easier… Protect your family NOW!

Retirement Strategy, Permanent Life Insurance

Did you know that permanent life insurance not only helps to protect your beneficiaries, it also allows you to build cash value that can potentially be used in a tax-advantage manner?

What if you could:

• Provide an income tax-free death benefit for the people who depend on you.
• Defer taxes as your accumulated cash value grows, and
• Potentially access that cash value using income tax-free policy loans and withdrawals, to use for retirement income or other needs

Would you be interest?

STRATEGIES TO SAVE FOR RETIREMENT

• After Tax Strategy- when you set aside a portion of your after tax income into an account earmarked for retirement. Taxes are paid annually on any earnings. An example of this type of savings is a Certificate of Deposit.
• Tax-Deferred Strategy- when you set aside a portion of you after tax income for retirement, earnings on the account grow tax-deferred. When retirement income is taken, taxes are due on the tax-deferred gain. A Non-Deductible IRA or an annuity is an example of this type of savings.
• Pre-Tax Strategy- might include an Employer sponsored qualified plan, like a 401(k) plan. You don’t pay current taxes on contributions made to the plan an earnings grow tax-deferred. Later when you take retirement income the benefits are income taxable.
• Tax-Free Strategy- is similar to the Tax-Deferred Strategy: you set aside a portion of you after tax income, and earnings grow tax-deferred. Retirement income is received income tax-free. A Roth IRA is an example of this type of savings. Another type of financial vehicle is permanent life insurance.