Important Disclosures

Universal Wealth, LLC (“Universal Wealth”) is an independent marketing organization (IMO) based in Arizona, USA. Insurance products are offered through appropriately licensed insurance professionals and issued by third-party insurance companies. Products and services are available only where the applicable entities and professionals are authorized to offer them. Availability and eligibility vary by state, carrier, and individual circumstances.

Information on this website is provided for general educational and informational purposes. It is not individualized advice or a recommendation to purchase a particular product. Financial decisions should be based on your individual needs and circumstances, with guidance from appropriately qualified professionals.

Insurance coverage and benefits are subject to underwriting, where applicable, and the terms, conditions, exclusions, and limitations of the applicable policy or contract. Fees, surrender charges, and tax consequences may apply. Insurance guarantees depend on the financial strength and claims-paying ability of the issuing insurance company. Life insurance and annuities are not bank deposits and are not FDIC insured. Universal Wealth and its insurance professionals receive compensation, which may include commissions paid by insurance companies.

Individual business and earnings results vary based on factors such as experience, skills, time commitment, effort, business expenses, and market conditions. No income, profit, or level of success is guaranteed. Building a business involves costs and financial risk, and earnings may not cover expenses. Testimonials, recognition, and success stories reflect individual experiences and may include exceptional results. They do not establish typical or expected results or guarantee that others will achieve similar outcomes.