Family First Life Universe

What Family First Life Universe does

Family First Life Universe operates as Universe Financial Insurance Services, LLC, a privately held insurance marketing organization (IMO) founded in 2015 and headquartered at 184 Shuman Blvd #530 in Naperville, Illinois, with an 11–50 employee corporate footprint. The company recruits licensed independent insurance agents to distribute a portfolio of life insurance and retirement products — mortgage protection life insurance, final expense life insurance, retirement planning via universal life policies, and retirement protection via fixed index annuities — through carrier partnerships that include Americo and Mutual of Omaha alongside other providers.

The go-to-market is community-led and agent-centric: independent contractor agents are acquired through social media (Facebook, Instagram, LinkedIn, YouTube) and in-person sales events such as the Chicago Fall Sales Conference held at the Hilton Chicago/Magnificent Mile Suites. The value proposition bundles aggressive compensation with vested day-one renewal commissions, a qualified lead program for mortgage/final expense/annuity prospects, free structured sales training, and an AI-powered CRM that automatically ingests leads into the system for real-time tracking and follow-up, with an explicit infrastructure for transitioning producers into agency managers.

The company monetizes exclusively through transaction-based commissions paid by carrier partners, split across three streams: direct sale commissions, agency overrides on downline production, and renewal commissions on in-force business. No fees are charged to agents or end customers; no public funding, M&A activity, or external investors are identified; ownership is founder-controlled; and the operating perimeter is domestic United States. Compliance posture explicitly addresses CCPA, HIPAA, and TCPA.

Name

Family First Life Universe

Legal name

Universe Financial Insurance Services, LLC

Website

https://ffluniverse.com

Company type

Private

Founded year

2015

Operating status

Operating

Headcount range

11–50 employees

Short description

Family First Life Universe is a privately held insurance marketing organization that recruits and supports independent agents selling mortgage protection, final expense, and retirement products via Americo, Mutual of Omaha, and other carriers.

Ownership category

akta.pro rank

Product category

Insurance Marketing Organization (Life Insurance and Annuity Distribution)

NAICS

Direct Life Insurance Carriers (524113)

SIC

Insurance Agents, Brokers & Service (6411), Life Insurance (6311)

akta.pro primary industry

Simplified Issue Whole Life / UL Insurance (FSAIABAH)

akta.pro secondary industries

Level Term Life Insurance (FSAIAAAA), Universal Life (UL) Insurance (FSAIABAB)

Keywords

• Insurance marketing organization
• Life insurance distribution
• Mortgage protection insurance
• Final expense insurance
• Retirement annuity products

Headquarters

HQ city

Naperville

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Marketing or Sales, Personnel, Operations, Technology or R&D, Others

Revenue model

1. Insurance Agent Commissions: The company generates revenue by facilitating insurance sales through its network of agents. Revenue comes from three commission streams: direct sale commissions from policy sales, agency overrides from agent production, and renewal commissions from existing policy renewals. Agents operate as independent contractors receiving compensation based on sales performance.

Go-to-market motion1 record

Distribution channels1 record

Marketing channels5 records

Core offering

Family First Life Universe is an insurance marketing organization that distributes mortgage protection life insurance, final expense life insurance, retirement planning through universal life policies, and retirement protection via fixed index annuities to families, sold through a network of independent contractor insurance agents. The company supports those agents with qualified lead programs, free structured sales training, and an AI-powered CRM that automatically ingests leads for tracking and follow-up, while earning revenue through insurance carrier commissions on agent-produced sales.

Product overview

Family First Life Universe is an insurance marketing organization offering a portfolio of life insurance and retirement planning products. The core product suite includes Mortgage Protection Life Insurance, Final Expense Life Insurance, Retirement Planning through Universal Life Policies, and Retirement Protection through Fixed Index Annuities. These products are distributed through a network of independent insurance agents who receive access to a Lead Program for qualified prospects, structured Agent Training, and AI-powered CRM Technology for automated lead tracking and management. The company works with multiple insurance carriers including Americo and Mutual of Omaha to provide diverse coverage options.

Differentiator

Problem solved

Functional benefit

Products and services

• Mortgage Protection Life Insurance Life insurance product designed to cover a family's mortgage obligations in the event of the insured's death, offered to households through Family First Life Universe's independent agents and partner carriers such as Americo and Mutual of Omaha.
• Final Expense Life Insurance Life insurance product covering end-of-life expenses such as funeral costs and medical bills, offered to families and individuals through Family First Life Universe's independent agents.
• Retirement Planning (Universal Life Policies) Retirement planning solutions using universal life insurance policies that help clients build cash value and prepare for retirement, sold by FFL Universe independent agents through partner carriers including Americo.
• Retirement Protection (Fixed Index Annuities) Retirement protection product using fixed index annuities to provide guaranteed income and protect clients against market downturns, sold by FFL Universe independent agents through partner carriers including Mutual of Omaha.
• Qualified Lead Program Standalone lead program providing licensed agents with qualified prospects for mortgage protection, final expense, and annuity products, intended to drive agent sales activity.
• Structured Sales Training Free structured sales training program provided to agents to develop their personal production and position them for success, including ongoing training to increase sales output.
• AI-Powered CRM and Lead Tracking System Innovative AI-powered tracking system that automatically uploads agents' leads into the company's CRM as soon as they are received, enabling real-time lead management and follow-up for licensed agents.

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

AI capability1 record

Feature1 record

Partnerships

Three partnerships are on record, tiered core and minor.

• AmericocoreStrategic or Co-development PartnerAmerico is one of the primary insurance carriers partnered with Family First Life Universe. The partnership enables the company to offer mortgage protection life insurance and retirement planning products through universal life policies to meet client needs.
• Mutual of OmahacoreStrategic or Co-development PartnerMutual of Omaha serves as a key insurance carrier partner providing final expense life insurance and retirement protection products. The partnership allows Family First Life Universe to offer diverse coverage options through multiple top carriers.
• Various Insurance CarriersminorStrategic or Co-development PartnerThe company works with various other insurance carriers in addition to Americo and Mutual of Omaha to ensure they can meet all client needs across different insurance products and coverage requirements.

Scale indicators1 record

Recent moves5 records

Expansion highlights5 records

Direct peers

• Primerica: Primerica distributes term life insurance, mortgage protection, and investment/retirement products through a national network of independent representative agents. Its middle-income family customer focus and agent-led model are highly comparable to FFL Universe.
• Symmetry Financial Group: Symmetry is a large IMO that recruits independent agents to sell life insurance, mortgage protection, final expense, and retirement products from multiple top carriers. It directly competes with FFL Universe for agents and uses a similar lead-and-training value proposition.
• Family First Life: The parent/affiliated Family First Life brand operates the same agent-first IMO model with comparable product set (mortgage protection, final expense, retirement). FFL Universe operates as an extension/affiliate under this brand, making it the closest direct comparable in distribution model and product mix.
• World Financial Group: World Financial Group (a Transamerica company) is a large IMO recruiting independent agents to distribute life insurance and retirement products to middle-income families. Its agent-led distribution and product focus overlap directly with FFL Universe.
• PHP Agency: PHP Agency is a large multi-cultural life insurance IMO that recruits agents to sell mortgage protection, final expense, and retirement products through multiple carriers. Its agent-first model and product overlap make it a direct comparable.

Broad incumbents

• Transamerica: Transamerica is a major life insurance and retirement carrier that distributes through IMOs and large agent networks, including its own World Financial Group. It is both a comparable distributor and a key upstream carrier partner for IMOs like FFL Universe.
• Combined Insurance (now Chubb): Combined Insurance, now part of Chubb, distributes supplemental accident, health, and life insurance products through career agents. Its middle-income customer base and agent-led distribution model overlap with FFL Universe's distribution approach.
• Liberty National Life Insurance Company: Liberty National is a long-established insurer that distributes life insurance and supplemental health products through career and independent agents in middle-income markets. It overlaps with FFL Universe on final expense and mortgage protection distribution.
• Bankers Life: Bankers Life is an established insurance distribution company focused on middle-income retirees, offering life insurance, annuities, and health products through career agents. It competes for the same end customers as FFL Universe but operates with a captive career-agent model.

Others

• Mutual of Omaha: Mutual of Omaha is a major insurance carrier and a core carrier partner of FFL Universe for final expense and retirement products. It is relevant as an upstream counterparty and benchmark for carrier-distribution economics in this channel.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• YouTubeyoutube.com/channel/UCW2ey6DuyIK6CLgYcWY6P0A
• Facebookfacebook.com/universefinancialservices
• LinkedInlinkedin.com/company/universefinancialservices
• Instagraminstagram.com/ffluniverse

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Family First Life Universe