OOC Unlimited — Life Insurance & Financial Services
Protecting Families.
Building Futures.
Your family deserves a financial safety net designed with care, not a sales pitch. Personalized life insurance solutions that protect what matters most.
100%
Family First
About Gary
Mission Before Commission
Gary Cosby Jr. didn't start in financial services. He spent years in retail management at Best Buy, building teams and hitting targets. But everything changed when his father passed away — without life insurance.
Gary watched his family scramble to cover final expenses, navigate financial uncertainty, and deal with the kind of stress no grieving family should face. That experience lit a fire that hasn't gone out.
Today, Gary leads OOC Unlimited with one mission: make sure no family goes through what his did. Every conversation starts with understanding, not selling. Every recommendation is built on what's right for the family — not what pays the highest commission.
“Mission before commission — always.”
Meet the Family
Why Family Comes First
Gary doesn't just talk about protecting families — he lives it every day. Here's the crew that keeps him motivated.
Services
Protection That Fits Your Life
Every family's needs are different. We offer multiple solutions to find the right fit.
Indexed Universal Life (IUL)
Build cash value tied to market index performance with downside protection. Ideal for families seeking growth potential with a safety net — tax-advantaged wealth building for the long term.
Best for: Long-term wealth builders
Learn more & book a call →Whole Life Insurance
Guaranteed cash value growth and lifetime coverage with predictable premiums. A foundation of certainty for your family's financial future that never expires.
Best for: Families seeking guaranteed protection
Learn more & book a call →Term Life Insurance
Affordable, straightforward coverage for a set period — 10, 20, or 30 years. Maximum protection when your family needs it most, at a price that fits any budget.
Best for: Young families & budget-conscious
Learn more & book a call →Why Work With Gary
A Different Kind of Agent
Personalized Guidance
Every family is different. Your plan should be too. We take time to understand your unique situation before recommending anything.
No-Pressure Approach
Education first, always. You'll never be pushed into a product. We believe informed families make the best decisions.
Licensed & Experienced
Access to 30+ A-rated carriers means we find the right fit — not just the one that pays us the most.
Mission-Driven
Born from personal loss, built on purpose. Every policy we write protects a family from the unthinkable.
Testimonials
What Families Are Saying
“Gary took the time to explain everything — no pressure, no jargon. For the first time, I actually understood what I was buying and why it mattered for my family.”
Marcus T.
Father of 3, first-time policyholder
“After my husband passed, I saw firsthand what happens without coverage. Gary made sure my kids would never face that. He genuinely cares.”
Angela R.
Single mother, IUL client
“I thought life insurance was just an expense. Gary showed me how IUL could be a wealth-building tool. Complete game-changer for our family's future.”
David & Kim P.
Young couple, IUL clients
Careers
Ready to Build a Career That Matters?
We're building a team of licensed professionals who believe in protecting families — not just closing deals. Up to 133% compensation, 30+ carriers, real ownership, and a mission worth waking up for.
Learn More About Joining →