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Life Insurance
Life Insurance & Estate Planning Provide Financial Security and Protection

Life insurance has come a long way since the days when it was known as burial insurance and used mainly to pay for funeral expenses. Today, life insurance is a crucial part of many estate plans.

Business Insurance Succession Planning & Risk Management

If you’re a small business owner, you face many challenges in growing your company. Key employee life and disability insurance coverage can help make sure your business prospers.

House Insurance
Mortgage Protection Insurance Get a quote and apply online today.

Homeowners insurance policies are written individually, typically at the time you purchase a home.  Mortgage protection insurance will cover your mortgage in the event of your death.

Custom Insurance Solutions & Strategies! Not only do we compare quotes from top rated carriers, we package solutions that meet your business strategy goals and estate preservation needs. Our Industry experts can assist you with leveraging the most current and competitive insurance strategies, manage risks and increase your bottom line profits.

Life Insurance Basics

One of the most common reasons for buying life insurance is to replace the loss of income that would occur in the event of your death.

Term Life Insurance

Term policies provide life insurance protection for a specific period of time. If you die during the coverage period, your beneficiary receives the policy’s death benefit.

Permanent Life Insurance

Cash value, or permanent, life insurance is life insurance that is designed to be kept until your death–whenever that may be.

Universal Life Insurance

Universal life insurance is a type of permanent life insurance that allows policyowners to decide how much premium to pay (so long as stated minimum costs are met), when to pay premiums, how much the death benefit will be, and more.

Term Vs. Cash Value

Which type of life insurance is better–term or cash value?  When choosing between these two fundamentally different alternatives, you’ll need to think about a few things.   <Click Here For More Information>

Estate Planning

Today, life insurance is a crucial part of many estate plans. Life insurance can also be used to replace wealth lost due to the expenses and taxes that may follow your death, and to make gifts to charity at relatively little cost to you.

About Us

UniversalLife.com is an educational resource providing current and competitive information for life insurance products and services.  ProSouth Insurance and our team of professionals are trained to assist you in selecting the right products to meet your insurance and protection requirements.  We provide a competitive advantage by sourcing companies and products that are highly rated and well established along with excellent customer service.  By helping you steer through the maze of insurance decisions our skill in navigating the choices will allow you to achieve the goals and objectives you desire.

“We Compete So You Don’t Have To!”

With over 20 years experience in life insurance sales and marketing, including recruiting and supporting financial organizations and advisors, we have helped our customers achieve success in their insurance strategies.  Additionally, we have leveraged technology and distribution channels along with partnerships to bring best of class services to our clients.

We appreciate the opportunity to work for you and compete for you so you don’t have to.

Life Insurance Comparisons

Universal Life Insurance Quotes Free personalized quotes for you and your family, business succession planning or mortgage protection. We compete so you don't have to.

Serving Your Insurance Needs Our team of licensed agents is experienced in creating personal and commercial policies.

Term Life Insurance Quotes Term Quotes

Contact us for Term Life Insurance Quotes.   We compare top rated carriers and compare policies to fit your specific health and family or business needs.

Life Insurance Riders for LTCi LTCi Quotes

Long Term Care is an essential part of life planning. Long-term care insurance provides financial protection against the potentially high cost of long-term care.  Let us compare policies and include LTCi Riders as an option.

Universal Life insurance Quotes Universal Life

Compare Universal Life policies, underwriting requirements and policy provisions.  We provide full illustrations with competitive carrier quotes.

Annuity Quotes Annuity Quotes

Immediate annuities offer a financial alternative to help meet retirement income needs by providing a steady stream of income designed to last through retirement.

Universal Life Insurance Companies:

Frequently Asked Insurance Questions If you would like to discuss your insurance questions with us directly, give us a call at (800) 985-9144.

Why should I consider life insurance?

At some point in your life, you’ll probably be faced with the question of whether you need life insurance. Life insurance is a way to protect your loved ones financially after you die and your income stops. The answer to whether you need life insurance depends on your personal and financial circumstances. Read more about how to decide which life insurance type to consider.

What Is a Buy-Sell Agreement?

Buy-sell agreements are very important planning tools that can accomplish many things for a business with two or more owners. Sometimes referred to as a prenuptial or premarital agreement among business owners, a business continuation agreement, a stock purchase agreement, or a buyout agreement, a buy-sell is a legally binding contract that establishes when, to whom, and at what price an owner, partner, or shareholder can sell his or her interest in a business.

How to compare life insurance policies?

Like anyone else, you want a life insurance policy that meets your needs and budget. But how do you find the right policy when there are so many to choose from and many of them seem so similar? The key is knowing how to compare policies and evaluate the results. Click Here to read more about how to compare life insurance policies.

What is Universal Life Insurance?

Universal life insurance is a type of permanent life insurance that allows policyowners to decide how much premium to pay (so long as stated minimum costs are met), when to pay premiums, how much the death benefit will be, and more. Learning about the following features of a universal life insurance policy will help you decide whether this is the right coverage for your situation.  Read more about Universal Life Policies and benefits.