Cover - UniTrust Financial Group Review: Fair & Balanced

UniTrust Financial Group Review: Fair & Balanced

By David Duford - January 03, 2023 - 5 Mins Read

Disclaimer: We are not in any way affiliated with UniTrust Financial Group. In fact, we are a direct competitor of theirs. This article is our personal review of their agent sales career opportunity and our personal opinions of the company. If you are looking to contact UniTrust Financial Group directly, call them at (904) 297-2020.

Most likely you’re here to get more information on how UniTrust Financial Group works.

If you’re looking for an unbiased review, then you’ve found the right article!

I’ll discuss how UniTrust works, so you can better decide if the opportunity to sell insurance with this company makes sense for your career goals.

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Who is UniTrust Financial Group?

UniTrust Financial Group was founded in 2016 by Pete Beckman and Brandon Hall.

In 2017, the company joined Equis Financial, a leading insurance marketing organization for independent insurance agents and agency builders. UniTrust is headquartered in Fernandina Beach, Florida.

UniTrust agency is known for its transparent leadership and agent-oriented business.

They have one of the most expansive and solution-oriented product portfolios on the market.

Together with Equis Financial, UniTrust provides innovative sales tools and useful resources for insurance agents, and offers continuous agent support.

The company also boasts an extensive insurance sales training platform.

Their agents are guaranteed access to the industry’s leading training opportunities with the help of a dedicated training portal, iTunes podcasts, as well as through in-person at regional training meetings.

What’s more, UniTrust has a competitive compensation program including personal production bonuses, equity bonuses, and agency bonuses.

There are no fees associated with working for the company, no startup or training costs, and no charges for sales conferences.

UniTrust insurance sales specialty

UniTrust was built with the purpose to serve middle-income American families.

The company works with multiple top-rated national carriers, which allows them to tailor the insurance solutions they offer to fit the exact needs of their clients.

UniTrust Financial Group sells life insurance, term life insurance, final expense insurance, and a range of other products such as annuities, mortgage protection, and asset protection.

They have what is considered to be one of the most comprehensive portfolios of final expense and retirement products in the industry.

How does the lead program work?

One of the greatest challenges for a new insurance agent is finding prospective buyers who are looking for coverage.

The UniTrust agents have access to an exclusive marketing and lead generation platform designed to find qualified consumers.

At UniTrust, the marketing team does prospecting for the agents so that they can focus on selling. They use a unique combination of direct mailings and requests for information.

This way, they are able to generate quality insurance leads across the country and deliver sales-ready qualified prospects to the agents.

To ensure these are truly qualified leads, potential clients are asked to answer a series of verification questions confirming their interest in being contacted by an agent. The company has managed to maintain over 40 percent conversion rate of qualified leads.

Is UniTrust Financial Group a scam or legit?


UniTrust Financial Group is not a scam. It is a fully legitimate agency that was recognized as the Top 3 Agency of Equis Financial in 2020.

How To Quit UniTrust Financial Group

There are many reasons you may want to quit UniTrust Financial Group, for example, you ran out of money to invest in leads, you ran out of prospects to sell to, or you simply found that the business of selling insurance wasn’t a good fit for you.

The good news is, quitting UniTrust Financial Group is easy.

Here’s how to do it.

First, start by doing your due diligence and find another insurance agency to work for. We recommend you review our Free Agent Resource Guide here for tips on finding a quality insurance agency to join.

Once you find a new agency or carrier to join, you can go ahead and switch your affiliations.

You should keep in mind that as an insurance agent, you are licensed by the state and not by the company. No insurance agency can prevent you from stopping your affiliation with it and doing business with another organization.

You may need to cancel the affiliation with UniTrust Financial Group. The termination usually needs to be filed within a 30 day window, however canceling affiliation is not always mandatory.

To become properly appointed with the new insurance carrier or agency, you simply complete contracting with the new insurance carrier.

Typically, the window for companies to process affiliations is very short, with most companies approving insurance agent carrier appointments within 1 to 2 weeks on average.

Bottom line, quitting UniTrust Financial Group is no big deal. Simply find another organization that’s better suited to your insurance sales career goals, submit contracting through the new organization, and within the next few weeks, you’re good to go and can stop doing business with UniTrust Financial Group.

Companies Like UniTrust Financial Group

Let’s take a look at some insurance agencies and companies similar to UniTrust Financial Group in case you’re interested in doing a comparison.


Symmetry Financial Group is an insurance marketing organization based out of Swannanoa, North Carolina.

SFG specializes in several life insurance markets, primarily the mortgage protection insurance market. The company also offers final expense insurance, a type of whole life insurance designed to cover medical bills and funeral expenses after the policyholder’s passing.

Bankers Life

Bankers Life was established in 1879 in Chicago, Illinois. The company is a subsidiary of CNO Financial Group.

Bankers Life offers life insurance, long-term care, annuities, Medicare (Supplements, Advantage Plans, Part D prescription drug coverage), critical illness insurance, as well as vision and dental plans. It targets the senior market, typically people age 60 and older who are near retirement.

People Helping People (PHP)

People Helping People was established in 2009 in Northridge, California. The company serves the middle markets for insurance-based financial planning. It focuses on term insurance, index universal life insurance, and fixed indexed annuities.

American Income Life (AIL)

American Income Life, a wholly owned subsidiary of Globe Life Insurance, is a major provider of supplemental life insurance. The company was founded in 1951 and is headquartered in Waco, Texas.

American Income Life’s core markets are labor unions, credit unions, and associations for insurance solicitation. Its insurance products include life insurance and supplemental health.

New York Life

New York Life, established in 1845, is the largest mutual life insurance company in the country. It offers premium life insurance, long-term care insurance, retirement income insurance, and investment plans, including annuities, mutual funds, and ETF saving plans.


USHEALTH Advisors is a wholly-owned national sales and distribution subsidiary of USHEALTH Group, one of the largest employers of health insurance agents in the United States.

USHEALTH offers individual health coverage plans and a number of related supplementary products. It specializes in marketing innovative and affordable health coverage plans. The company is focused on providing healthcare solutions to individuals and families, as well as self-employed and small business owners.


Equis is a marketing organization for independent insurance agents and agency builders.

Its main product is mortgage protection life insurance, designed to reduce or eliminate the threat of foreclosure or eviction if the insured passes unexpectedly. The company also offers final expense, living benefits, and indexed universal life insurance products.

Freedom Equity Group

Freedom Equity Group, based in Arroyo Grande, California, is an independent marketing organization (IMO) that contracts with insurance companies to promote and distribute a range of life insurance products.

Freedom Equity Group focuses on selling life insurance and annuities. Its main product is indexed universal life insurance, a form of permanent coverage that provides a cash value in addition to life insurance.

My Thoughts

Now that you know more about how UniTrust Financial Group works, here are some other thoughts to consider.

Commission Levels


While commission levels aren’t everything, they are important in determining the value proposition of any agency worth joining.

All things equal, lower commission levels equate to lower profitability for the agent. Also, lower starting commission levels may indicate that an agency has lots of “fat” in the middle.

In other words, more in between you and the top, means more commission going to organizations that may play little in your personal development as an agent (read, this may be an insurance MLM).

Bottom line, make sure to speak with the UniTrust representative about how commissions work and how to progress your commission levels.

Recruiting Vs. Producing: Which Is More Important?

In any agency you join, you need to know where emphasis is placed.

Does the agency care more about building and recruiting, or developing its recruits into top producers?

In my experience, organizations either focus on one or the other. And in my opinion, new agents should work with agencies focused on agent sales skill development above producing.

How do you know if the agency you’re thinking about is focused on recruiting over producing?

Very easy; see what the agency focuses its energy on.

If you’re getting lots of excitement over agency building and little to none about developing your skills as a producer, you’re probably at a recruitment-focused agency.

Bottom line, visit the hiring manager, review their preliminary opportunity videos, and talk with the top managers to get a feel concerning what matters most.

Get A Second Opinion

Above all else, before you jump into selling insurance, please make sure you get a second opinion on ANY agency you join.

While we are likely to trust what we hear, it’s always important to compare all opportunities to others to see which fits best for your career goals.

While some agents may be perfect fits for UniTrust, others may not be.

And nothing is worse than finding the wrong fit agency and ruining your insurance sales career BEFORE it gets off the ground.

Check out my agency

I train and recruit new and experienced insurance agents nationally to become top producers in selling final expense life insurance, Medicare Advantage, and annuities, over the phone or face-to-face.

If you’d like a second opinion on how my agency compares to any other, click the link here and here to learn more about what I do.

Thanks for reading!

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