Sumter, South CarolinaSince 1981
No one should have to wonder where the money will come from on the worst day of their life.
That belief has run this firm for 45 years. We train agents to sit at that kitchen table long before the day arrives — with financed leads, same-day advances, and an application that fits on one page.
Licensed in 25+ states · Underwritten by Lincoln Heritage Life Insurance Company
For agents
I want to build a career.
Commission-based, full-time, outside sales. Leads financed against production, advances paid daily, and a management track for producers who follow the system.
The opportunityFor families
I’m looking into coverage.
Funeral Advantage from Lincoln Heritage Life Insurance Company — whole life from $2,000 to $35,000, written for ages 0 to 85, with no medical exam and claims paid within 24 hours of approval.
What the plan coversThe firm
Founded in 1981 by Ted Wilson, Sr. Still run from Sumter.
Universal Benefits was built on the idea that if the firm supports its agents, the agents stay. 45 years later it is one of the largest final expense agencies in the country, and has been placing Lincoln Heritage Life Insurance Company business for 28+ years.
Actively producing in 7 states — SC, GA, MD, DC, NJ, VA, DE — with home-office support in Sumter.
The work itself
Four steps, repeated. That’s the whole job.
The company’s stated goal is to enroll 10–20 families a week. Everything below is built to make that repeatable.
- 01
A financed lead lands in your account
Direct mail, TV, and digital leads from the company's own program — no outside vendor, no cost up front, 60-day duplicate prevention, and a pre-approach letter already sent.
- 02
You drive out and knock
Outside sales, in the prospect's home, mostly after 5:00 PM. Sixty to a hundred and twenty miles is a normal day.
- 03
You sit at the kitchen table
One page. A few health questions. No physical, no medical exam. Most people qualify even with health issues.
- 04
You're paid that night
Up to 75% advanced on submission. Advances run Monday through Friday. Renewals follow for ten years on a starting contract.
What it pays
Commission, advanced the same day you submit.
There is no salary here and the firm doesn’t pretend otherwise. Income is entirely commission-based, advanced up to 75% on submission, with renewals paying for ten years on a starting contract and for life on a management contract.
The company average policy runs $45–$50 a month. Chargebacks apply if a client cancels in the first year — every carrier has them.
Full compensation detailTop agents, MGAs, and directors are earning from $100,000 to $1,000,000 annually.
Same-day advances
Top commissions, up to 75% advances on submission of applications. Advance commissions are paid Monday through Friday, excluding holidays.
No lead cost up front
Leads are financed based on production. Direct mail, inserts, cable TV, and digital — transferred to your Lincoln Heritage lead account with no up-front charge, repaid as a small percentage of new business income.
Exclusive, local leads
Company lead program with no outside lead vendor. Direct mail exclusive leads, Funeral Advantage TV leads, 60-day duplicate prevention, and a pre-approach letter with every lead.
Residual income
Starting contracts pay residual income for 10 years; management contracts pay lifetime renewals. Pay-thru begins the first month a client makes their second payment.
What you sell
One product, one market, all year.
Funeral Advantage from Lincoln Heritage Life Insurance Company. Small whole-life policies from $2,000 to $35,000 for a traditional funeral or cremation. They build cash value, the premium is fixed, and the benefit never decreases.
- Whole-life benefits available up to $35,000
- Written for ages 0 to 85
- One-page application — simplified issue, no medical exam
- Coverage based on answers to health questions on the application
- Rate and benefit locked for the life of the policy, as long as premiums are paid
Who runs it
A family firm, run by the family.
Ted Wilson, Sr. started the company in 1981. His son took a one-month deal in 1994 to get out of a truck payment, wrote his first applications that week, and never left.
Meet the leadership“I vividly remember the very last time I asked my father for a $150 loan to make a $315 payment. He made a deal with me — come work with him for one month.”
Tell us why we should consider you.
Licensed or not. If you’re willing to work full-time, work the lead system, and be in someone’s living room after five o’clock, there’s a conversation worth having.
Call with questions and you will speak to a live person.