When you partner with LiveAmerica, you become part of an advisor-focused organization with a dynamic, consumer-centric growth strategy. You gain access to exclusive selling strategies and tools, along with a comprehensive portfolio of life insurance, living benefits, annuity income, and future planning solutions.
Unlock new growth with annuity solutions built for forward-thinking advisors, agency leaders, and established wealth management firms. LiveAmerica has a deep focus on carrier selections that provide the industry’s best accumulation strategies and manage the industry’s best distribution strategies.
Resources, Strategy, Investment!
Why Choose LiveAmerica Annuity Solutions?
Personalized Options
Choose from a broad portfolio that offers the same investment opportunities your clients are familiar with, as well as exciting next-generation annuity products, each designed to adapt to their unique goals.
Expert Guidance
Work with an experienced team that puts your interests first. We know the impact of quality training and effective peer sharing for producers and agents. Your success drives ours, so we connect you with the right strategies—every time.
Transparent Value
You will see tangible value with an industry-leading partner known for its exceptional underwriting service, efficiency, and strong ratings. Get clear information, straightforward terms, and no hidden surprises. We make it easy to compare, choose, and act with confidence.
Our Solutions Fit Your Needs
During the accumulation phase, your clients contribute money into the annuity, either as a lump sum or as periodic payments. Their annuity’s value grows over this period, often through interest earnings or investment returns, depending on the type of annuity you’ve chosen.
Fixed annuities offer a guaranteed interest rate, while variable or indexed annuities may tie returns to market performance, potentially offering higher gains but with more risk.
A key advantage of this phase is that clients’ earnings grow tax-deferred, meaning they don’t owe taxes until they begin withdrawing funds.
The distribution phase begins when clients begin receiving payments from the annuity. Your clients can choose to receive their accumulated funds as a lump sum or as a series of payments over a specific period or for the remainder of your life, also called annuitization.
These distributions are typically subject to ordinary income tax, and if clients withdraw funds before age 59½, they may also face a 10% federal additional tax.
- Accumulation-focused annuities (deferred annuities) are designed to grow savings over time, primarily benefiting those who have a longer time horizon before needing income.
- Distribution-focused annuities (immediate annuities or income annuities), on the other hand, prioritize generating a steady stream of income immediately or soon after purchase, making them suitable for individuals already in or nearing retirement.
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 |
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.
