Universal Financial & Insurance Agency

Achieve the lowest rates on a wide variety of insurance coverage categories with Universal Financial Insurance Agency LLC.
Based in Elizabeth, New Jersey, where we propose everything from auto insurance to homeowners to commercial general liability to our customers.
Protect your investment.
Here's some quick advice for figuring out homeowner's insurance costs and coverage options.
As always, you can talk to a Universal Financial and Insurance agent.
Cost: You can insure thousands of dollars of personal property for less than a dollar a day.

Term life insurance is the most straightforward form of protection.
You generally pay premiums on a monthly or annual basis and your family is protected for that "term."
We offer a variety of affordable term life insurance products to fit your needs, time frame, and budget.
Whole life insurance helps your family prepare for the unexpected.
The death benefit can help replace a family's loss of income, help with mortgage costs, or educational needs - or to leave a legacy for the next generation.
Over time, whole life policies build cash value that grows tax-deferred, and can be accessed during your lifetime.

It pays monthly income directly to you when you're unable to work because of a covered total disability.
You can customize your coverage with different riders.
Options include a five-year benefit period or a "to age 67" benefit option.
Maximum monthly benefit amounts range from $500 to $20,000, based on your income and occupation.
You choose the length of time you must be disabled before you start receiving benefits (Elimination Period) and the length of time you would receive benefits.
Insurance statistics show that only 9 percent of long-term disabilities actually resulted from serious accidents.

Medicare Supplement Insurance is designed to help cover the deductibles, coinsurance and co-payment amounts not covered by Medicare.
Once you have a Medicare Supplement Plan, both your plan and Medicare will help pay your covered medical expenses, lowering your out-of-pocket costs and giving you the confidence that your health insurance needs are met.
And at Universal Financial we give you the flexibility to choose between different plans to meet your individual needs and budget.
Emergency care in a foreign country - 80% of the cost of emergency care beginning during the first 60 days of each trip, after you pay a $250 deductible, subject to a $50,000 lifetime maximum, if such care would have been covered by Medicare if provided in the U.S.