We are seeking Agents, Managing General Agents and Directors, who want to manage a large group of Agents.
Call us today for more information.
1-866-774-2047 or 803-773-1838
or email us at

Top AGENTS, MGAs, & Directors are earning from
$100,000 to $1,000,000 Annually.

21 reasons why this is the opportunity of a lifetime:

  1. Our goal is to help and enroll 10-20 families per week. By doing so many of our Agents/Managers are earning from $100,000 to $1,000,000 annually.
  2. High Commission Contracts- Top competitive contracts with growth opportunity. Advances paid daily. Top commissions, up to 75% advances on submission of applications. Advance commissions are paid Monday thru Friday (excluding holidays).
  3. Thousands of exclusive fresh, HOT leads in your area - Direct Mail, Inserts, Cable TV, and Digital. NO LEAD COST UPFRONT. - Leads are financed based on production. UBI has thousands of leads available today for full time Agents/Managers who follow the company guidelines with no upfront cost.
  4. Lincoln Heritage is the largest provider of agent-produced Final Expense Insurance nationwide.
  5. Exclusive partnership with the Funeral Consumer Guardian Society® to help families save money on their funeral costs.
  6. 40% of your leads should be converted to sales – this means tens of thousands of dollars for our agents and an outstanding opportunity to earn an awesome income.
  7. Great residual income opportunity.
  8.  Simplified Issue Products - one page application.
  9. Plans written from 0 - 85 years of age. Most receive coverage even with health issues. No physical or medical examination required. Coverage is based on answers to health questions on application.
  10. Group Health and Dental Benefits- Available to agents and their family (must meet qualifying production requirements).
  1. Agent friendly cash flow system because of our advanced commissions, residual income opportunity, and lead financing.
  2. Career agents may apply.
  3. 50+ years of growth.
  4. UBI proven, qualified referral system has a goal to maintain 500 Leads at all times.
  5. Ask about our Exciting Management Opportunities.
  6. Exotic Incentive Trips - All expense paid trips awarded to contest winners
  7. Bilingual English/Spanish agents are urged to apply. Spanish leads are available in most states.
  1. Lifetime earnings potential
  2. Agent Website provides current status of your business, 24/7
  3. Receive email notifications on important issues regarding your business
  4. Call us with your questions – you will actually speak to a live person

Tell us 5 Reasons why we should consider you to be part of this #1 Final Expense Company in America……??

* All income is commission based and can vary depending on the individual Agent.


Complete our Interview form now!

Directors Testimonials

Message from Ted Wilson Sr, CEO

Ted Wilson SeniorWe believe that “Nothing happens in life until someone sells something”. Selling is the biggest calling anyone can have.
UBI offers the most complete and competitive package of products and services on the market today. When it comes to offering a complete package of everything you need to serve this exciting and growing market, we stand alone as the leader.

We offer the right product for almost everyone. We have something for people whether they are in good health or poor health; whether they are young or old; whether they want a small policy or a large one. No matter what insurance coverage is appropriate for you client, you can provide it through us.

No other Marketing Firm offers the same combination of quality products, marketing support, solid benefits and world-class service as we do. Join us today to experience what it is like to play on a winning team.

When you combine our complete product portfolio with our leads support, unmatched compensation system including same day pay and fabulous trips, you will see why we are the best Marketing Firm in the industry.

- Ted Wilson Sr, CEO


Ted Wilson Jr, President

Ted Wilson JrHello I'm Ted Wilson Jr, most of my friends know me just as Ted. I'm a 20 year veteran of the life insurance business. You may assume my story is simple and typical being the son of Ted Wilson Sr. Someone who's had a larger than life personality in our industry and who started with 0 to being a self-made millionaire. My story isn't quite that easy or simple.

I received my insurance license when I was just 18 years old. But like many I wanted nothing to do with the insurance business at that young age. I got my license because it was suggested as a way to earn extra money in the summer. I was never forced into the business or asked to join the business; in fact I never set foot in my father's office for years at a time. Shortly after high school while licensed I explored several business opportunities and eventually decided I would go to college and work a part time job. I decided to become a waiter for a local restaurant and I remember the days being long, hard and me wondering where my future was headed. I would usually find myself borrowing money from my parents to pay for a new truck I had purchased the spring of 1994. I vividly remember the very last time 20 years ago when I asked my father for a $150 loan to make a $315 payment. He made a deal with me. That if he'd loan me the money I would come work with him for just 1 month to see what he was doing. If I didn't like it I would go back and try things my way. It was a deal.

I went to work at his office where I was trained on this product from "Life of Boston" which was Lincoln Heritage in 1994. We got a handful of these things called "leads". I remember we got about 15 of them. Worked from sun up to sun down for 2 days straight and we made friendships with nearly every home we went to. My father said, sign here and go mail these applications off. So I did what he asked and sent the applications over night. Two days later I received a check for over $1,500! Not only did I make that kind of money I vividly remember helping 2 women get the coverage they desperately needed. One was an insulin dependent diabetic and the other had a rare heart condition. Not only did I get paid, but I got paid for helping people! I was hooked and I've never looked back.

My first full year in 1995 I made more than $60,000. In 1996 and 1997 I was able to increase that. I was making great money but I was making the huge mistake "Brokering" my time and efforts. I was trying to be everyone's insurance guy. My briefcase was full of Universal Life, Term, and various Final Expense companies. It went on like this until the early 2000s. I decided to stop selling ULs and Term insurance because ULs were confusing and the residual income for Term insurance was very poor and both of these products can be dictated by the economy, resulting in poor persistency. I noticed that I was easily earning more residual income with Lincoln Heritage than all the others combined.

From 2000 to 2004 I thought I would increase my earnings by becoming a "final expense broker". One thing I rapidly found out. Having a contract with no support is frustrating. While Lincoln Heritage was growing and giving me the support I needed, the rest of the companies were making their applications more difficult by the year, year after year. I received little if any lead support, virtually no home office or marketing support. Two of the companies pulled out of final expense in South Carolina and 1 company went insolvent! In 2005 I took the Lincoln Heritage fork in the road and I thank God for his wisdom that I did.

My income skyrocketed selling 1 simple product to 1 niche market year round. 2006 I earned over six figures in income. 2008 an even higher income during the worst recession in US history. 2009 another increase in my earnings. I thought to myself, "Why not teach this system and give others this same opportunity I have"? Thousands of people were then and now looking for recession proof careers.

This is my goal, my passion and my conviction! Since 2009 I have humbly & quietly run a multi-million dollar operation in South Carolina assembled with great talented loyal and humble people. With the knowledge and experience gained through trial and error, I'm always trying to perfect the system and help agents avoid the mistakes I made. Throughout my trails and error Lincoln Heritage has been right time and time again, never wavering but yet growing and growing as a company.

2013 was TWJG’s (Ted Wilson’s Jr. Group) best year and as of June 30, 2014 we are up 36% for the year and growing! I have a burning passion and conviction for what we do.

Universal Benefits Inc. is here to provide you with an opportunity to meet your financial goals with a tested and rewarding system. If your goal is to earn 75,000, 100,000, 250,000 or 500,000 a year, I would like to help you meet that goal; but your potential commissions depend on you and how hard you are willing to work and trust in our system.

Rodney Richburg

Rodney RichburgHello, I am Rodney Richburg, Sr. for nearly 20 years I enjoyed a successful career in sales and marketing. I have been a licensed life insurance agent for 20 years. Here’s a little about Rodney R Richburg Sr.

I am a native of Sumter, South Carolina where I attended the Sumter School Public School System. As, a young kid I immediately became interested in sports. However, it was basketball that was my first love. I soon started to play basketball to try and follow in the footsteps of my older brothers. Whom I idolized growing up. Attending Sumter High School, I was an active player on the varsity team averaging 20 points per game and led my team to serval victories. My senior year of high school I was offer a basketball scholarship from Morgan State University. There, I played basketball and study Law. My ultimate goal was to become a FBI Agent. Being that I’m the youngest of 12 children, I admired something about every last one of my siblings. One of my older brothers whom, still resided in Maryland holds a position on Baltimore City Law Enforcement Department whom, impel me to become a FBI Agent. To fulfil my goals and dreams I knew that I needed to get my feet through the door. To make a long story short. I applied for a positon on the Baltimore City Law Enforcement. Passed the exam with flying colors, knowing that I would be a great candidate for the position and leading down the right path of accomplishing my goals on becoming a FBI Agent. However, I wasn’t chosen from the position. With things not working in my favor at that particular time in my life, I took it as that wasn’t my calling and nor my time. I am a true believer in timing and seasons.

“Patience is power. Patience is not an absence of action; rather it is “timing,” it waits on the right time to act, for the right principles and in the right way. – Fulton J Sheen

“The season of failure is the best time for sowing the seeds of success.” –Paramahansa Yogananda

Thereafter, I retuned back to Sumter, SC, stared a family, and held several manager positions. Around, 1994 I was introduced to the insurance business where I sever as a manager for four years with a former insurance firm prior to Universal Benefits Inc. In 1998, I was introduced to Ted Wilson Sr., Universal Benefits Inc., and Lincoln Heritage Life Insurance Company. Shortly after, meeting Mr. Wilson whom took me underneath his wings not only in a business relationship perspective but more as a motivator, advisor, mentor, and father image. I’ve ever look back knowing that I held the keys to success. At, that particular time I knew that it was my time and season to turn my key of success and walk through it. At, the age of twenty- eight I’ve broaden my horizons within Universal Benefits Inc. to inspire and motivates other, displays high integrity and honesty, solves problems and analyzes issues, drives for results, communicate powerfully and prolifically, build relationships, display technical or professional expertise, display a strategic perspective, develop other and innovates. By partnering with Universal Benefits, Inc. and Lincoln Heritage Life Insurance Company I’ve earned the position as a Vice President of Marketing & Director within UBI. I have hired and trained over 1,000 agents along the East Coast. I’m also the founder of UBI Southeast LLC and The Richburg Group which is a division within Universal Benefits Inc. We operate within seven states. South Carolina, Georgia, Maryland, New Jersey, Pennsylvania, Virginia, and Delaware. UBI Southeast LLC is the only organization within UBI Southeast to orchestrate and develop three call centers which are located in Georgia, South Carolina, and Maryland. We have close to 40 telesales agents that generates 2 million annually in production as well as, 110 field agents that generates 2.5 million annually in production.

“Determination today leads to success tomorrow” – Aremy Sunday

“A bird sitting on a tree is never afraid of the branch braking, because her trust is not on the branch but on its own wings. Always believe in yourself.” – Unknown

Today, I’ve made UBI Southeast’s into a family business where my Fiancé manages and runs our call center in Sumter, SC. My life experience has taught me to be a man of action and execute my goals. I practice what I preach my daily motto, as well has try to instill into my family, friend, and agents. Rodney R Richburg Sr. “Formula of Success”. Have a vison, make a strategy, be passion about your business, be honest with yourself, be flexible, take risks- don’t be afraid to step out on faith, create a strong nucleus (core), take action, set priorities, and take care of yourself. With these steps implanted within your mind and soul you can conquer the world.

“I can do all things through Christ which strengtheneth me” - Philippians 4:13

Calbert Coakley

Calbert CoakleyCalbert Coakley joined Lincoln Heritage Life Insurance Company/Universal Benefits, Inc in 2011 as an agent. With over 20 years of experience in sales/business and a strong work ethic, he was promoted to Managing General Agent/Director. His business and sales experience proved helpful for him to build a successful team - Coakley Financial Group. Coakley Financial Group has grown under the leadership and direction of Calbert. As a leader, Calbert believes in leading from the front. Calbert continues to successfully work in the field. This gives him insight on how to offer his agents inspiration, motivation, training and encouragement. Coakley Financial Group has increased its production and size at an impressive rate for several years.

Before joining Lincoln Heritage Life Insurance Company/Universal Benefits, Inc, Calbert worked within the insurance industry. Within the insurance industry, Calbert was always able to exceed sales goal and develop a fast growing team with his outstanding skills. Calbert has a Master’s of Science in Telecommunication and also holds a Bachelor of Business Administration degree. Calbert years of experience at a management level in corporate America helped to strength, equip and refine him for this position. There are not enough words to explain his skills and proficiencies. He is dedicated to training and developing other agents and managers to exceed their sales goals. Calbert Coakley/Coakley Financial Group are pleased to be a part of the Lincoln Heritage Life Insurance Company/Universal Benefits, Inc.


Marvin Hall

Marvin Hall

Del Hawkins

Del Hawkins