Universal Wealth Managers LLC

International Division

The insurance brokerage and financial advisory firm Universal Wealth Managers LLC was established in the year 2005 in prestigious Coral Gables, an affluent community located in the geographic center of the city of Miami, which is considered the gateway between the United States and Latin America and the Caribbean.

The mission of the International Division is to provide insurance brokerage and financial advice of the highest quality — mainly to its clients in Latin America and the Caribbean — based on its basic tenets of experience, trust, integrity and objectivity.

Every human being struggles to obtain guarantees, protection and security. These are exactly the virtues of the products and firms we represent.

In fact, we always find risks in our lives — some of them unavoidable — that have the potential to affect us physically and destroy us economically. It is our duty to create an impenetrable protection shield that would allow us to enjoy our lives in peace and tranquility. Health insurance and travel insurance protect us physically and economically from sudden and unexpected injuries and serious illnesses. Kidnap, ransom and extortion insurance protect us from very real and growing threats in today’s world. Life insurance protects our family from the devastating financial impact of a premature death. Investment plans allow us to pay for our children’s education, distribute our estate in a tax efficient manner and guarantee that we are not going to go through our old age without economic resources. Life settlement investments provide access to a highly-prized asset class which is the perfect alternative to stock market volatility and risk while providing very substantial earnings potential.

Our company has the best financial instruments in existence to bring our clients the impenetrable protection shield that all of us need.

You will find our website in the internet as an excellent source of financial advice that you can carefully read in the privacy of your home or office, so you can determine whether or not the described financial products and services satisfy your financial goals, and if these solutions are within your budget.

At no time you are going to feel pressured by individuals that many times have goals that are incompatible with yours.

All the financial institutions with whom we are associated are American and European, and they are considered the best in their areas of expertise.

An aspect of our firm that makes us proud is the personal touch and attention to detail that permeates our relationships with our clients. We bring our clients a unique world-class service.

If you have any question, or need clarification on any topic in our website, contact us or call us at +1-305-665-4508 or via Skype at pedro.palicio and we guarantee that if we are not available at that time, you are going to hear from us within 24 working hours.

There are three different ways that we demonstrate our clients our appreciation for having allowed us to provide them with financial advice:

1. We offer you a cash or cash-equivalent bonus of 5% of the annual premiums of yours’ and your family’s international health insurance, yours’ and your family’s travel insurance and the life insurances that you buy up to the target premium. The bonuses will be paid on the first year premiums as soon as the policies are accepted by you. These bonuses are not offered for group insurances.
   
   
2. For each client that you refer to us, we offer you a cash or cash-equivalent bonus of 2.5% of the annual premiums of the international health insurance that you referral buys for him/her and his/her family, of the travel insurance that your referral buys for him/her and his/her family, and the life insurance premiums that he/she buys up to the target premium. The bonuses will be paid on the first year premiums as soon as the policies are accepted by your referral. These bonuses are not offered for group insurances.
   
   
3. For each individual that you refer to us and that we contract as a financial advisor, we offer you a cash or cash-equivalent bonus of 2.5% of the first year premiums of all the products that the financial advisor sells during his/her first 12 months. The annual premiums for life insurance are considered up to target premium. These bonuses are not offered for group insurances, investment plans or life settlement investments. The typical characteristics of the financial advisor that we are looking for can be found in the section “To Become a Financial Advisor”.

In summary, we believe that our website and the manner in which we develop our client relations have all the advantages of a financial advisory service of the highest quality with none of the disadvantages of doing business long distance.

We appreciate that you contact us now with any comments that you have about our website and to let us know how we can serve you better. We know that the success of our firm is in direct relation to the satisfaction that you experience from our products and services.

Thank you for your time and consideration.