Partner Carriers
From Coast to Coast
It all began with the customer in mind!
History
In January 2016, industry leaders from the historic AGLA joined forces with Jim Mallon, the former President & CEO of American General Life and Accident Insurance Company and Global Head of AIG Life Insurance, and set out to provide creative and powerful solutions to reach hundreds of thousands of Americans with living benefits.
Our Carrier Partners
Foresters Financial | American National | Global Atlantic | The Standard | OneAmerica | Corebridge Financial | North American | Lincoln Financial Group | National Life Group | Forethought Life Insurance Company |Foresters Financial | American National | Global Atlantic | The Standard | OneAmerica | Corebridge Financial | North American | Lincoln Financial Group | National Life Group | Forethought Life Insurance Company |
By the Numbers
Founded by Jim Mallon, a recognized leader in living benefit accelerated benefit riders, with nearly three decades of experience, agent education, and differentiated consumer solutions.
Contracted Agents
Active In-Force Policies
Living Benefits In-Force
Recurring Premium
Partner with LiveAmerica
Partnering with LiveAmerica is unlike any other experience you’ve had in the past. Our carefully curated products from the most respected carriers in the business give you access to progressive, creative and pro-active planning and protection strategies; our longstanding relationships in the industry give you connections; and our passion to bring a differentiated approach to provide Americans living benefit solutions gives you unparalleled value and support to build your business.
All production, regardless of carrier, counts toward our annual all-inclusive leadership conference. We offer the most comprehensive, achievable reward program in the industry. This allows you to provide the best business value for the end consumer—the best differentiated solution to solve their problems or meet their objectives—while enjoying the recognition you deserve.
Carefully selected products that offer coverage and benefits no other life insurance carriers can provide.
- Partnered with the only carrier in the United States that has 18 durations of term insurance.
- Quality of Life advantage bundling for coverage at the lowest possible rate and only one policy fee.
- Convert term policies to permanent right up until the very final day that that term expires.
- Differentiated riders for maximum coverage, including accelerated benefit, guaranteed income for life, and select income riders.
While our focus is life insurance that your clients can use while still living, we’re proud to offer some of the most flexible and lucrative annuity options in the country.
- The most inclusive annuity options available, with issuing ages up to eighty and eighty-five.
- Annuities can also include a long-term care rider with return-of-premium rider options.
- Clients’ earnings grow tax-deferred, meaning they don’t owe taxes until they begin withdrawing funds.
- Clients can choose to receive their accumulated funds as a lump sum or as a series of payments over a specific period.
Cost-effective long-term care solutions designed to offer affordable, truly helpful benefits for your clients. All the research is already done for you.
- Flexible options for one-time funding or funding over time.
- No elimination period for any type of care, which lets clients access benefits much sooner after qualification.
- Benefits can be adjusted to grow over time to protect against inflation, with 3% and 5% compound growth available for an additional cost.
- Clients’ beneficiaries have the option to increase benefits or take a legacy payout.
Take advantage of our unique combination of expertise and our ability to simplify even the most complex business life insurance concepts.
- Effective in planning for buy/sell agreements and businesses that want to take care of their employees during a health hardship.
- Kai-Zen strategy to provide approximately 60-70% of total premiums through bank financing.
- Comprehensive advance market support for business transition planning, business preservation, estate planning, executive benefits, and wealth accumulation.
- Provide options or worksite benefits, including Accident Insurance, Critical Illness Insurance, Disability Insurance, Hospital Indemnity Insurance, and Life Insurance.
Frequently Asked Questions
You do not need to leave your current insurance or financial planning agency. Partner with LiveAmerica to build a practice, build an agency, or add living benefits solutions to your established firm’s value proposition.
Our distribution model is built on the premise that supporting you to build a business that you own and control, with open access to our ideas, resources and support, will provide optimal value to you, your clients, and LiveAmerica.
When selecting carrier partners, we look through the lens of the consumer and the agent/advisor. We develop deep relationships with companies that have strong ratings, underwriting and service and a track record of providing innovative living benefit solutions. The right carriers and the right relationships will translate to high value for you and your clients.
Our current carrier partners include Corebridge Financial, Lincoln Financial Group, Foresters Financial, National Life Group, North American Life, Allstate Benefits, Forethought, and OneAmerica.
A comprehensive back-office support model available to handle your carrier relations, business and compensation. Getting up and running is streamlined with automated licensing and contracting, an onboarding playbook, and access to LiveAmerica case design experts.. Our professionals will help you shop, illustrate and case manage your business. We have dedicated underwriting teams with each carrier to handle your business and we support electronic business submission.
Latest Blogs & Upcoming Webinars
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Crack the Code on Hybrid Life Policies
Clients rarely see life insurance, long-term care (LTC), retirement income, and legacy planning as separate conversations. They see one financial life. That’s why hybrid life insurance policies deserve a more prominent place in an agent’s [...]
What Most Future Planning Agents Get Wrong About Growth
Some future planning agents think growth means doing more of everything. More calls. More outreach. More policies. More hustle. And while that approach can work for a while, it rarely builds durable agent business growth. [...]
