Partnering with LiveAmerica helps you guide your clients into life’s next chapter with a suite of specialty products designed for every twist and turn. We understand there isn’t a one-size-fits-all solution that solves every client’s concern. Our consultative, needs-based approach allows you to design tailored solutions for each family, business, or individual to protect what matters most as their new chapters unfold.
Specialty, Tailored, Services!
Kaizen Premium Finance
Due to limitations, traditional retirement plans are typically insufficient for high income earners. If your clients want to maintain their lifestyle in retirement, they need a proactive strategy that allows them to put more money toward protecting future income without putting a drain on current finances. Kaizen is uniquely designed to combine the advantage of leverage with the cash accumulation features of life insurance. Participant contributions are leveraged 3:1. Kaizen offers the potential to supplement income while providing more protection for their family.
Additional Specialty Coverage
Disability Income
Through a thoughtful and strategic collaborative partnership, LiveAmerica provides disability income planning solutions that protect families, businesses, and family businesses from the financial pitfalls of an unexpected injury or illness. This coverage protects your clients livelihood during a long-term medical leave and is especially effective in planning for buy/sell agreements and businesses that want to take care of their employees during a health hardship. Our team of senior specialists present the best income protection solutions to you and or your client via email or video call. Our white-glove approach allows you to be the objective third party while our team answers the client questions.
Last Expense Coverage
LiveAmerica has small face amount whole life with both simplified underwriting and guaranteed acceptance for ages 50-80 and face amounts from $5,000 to $35,000. Premiums are level and guaranteed not to increase during the life of the policy. The entire application process from the first interaction to policy delivery, takes minutes – quickly providing your clients with peace of mind regarding their final expenses.
Worksite Voluntary Benefits
Research shows that generous employee benefits are a great way to attract and retain employees. Our unique product portfolio offers small businesses a menu of group voluntary benefits to fit their unique needs. These small market solutions, (employers with fewer than 250 employees), offer competitive underwriting and streamlined enrollment making it easy to deliver value with ease. Solutions in the portfolio include: Accident Insurance, Critical Illness Insurance, Disability Insurance, Hospital Indemnity Insurance and Life Insurance. Designs for businesses with fewer than 100 employees include the opportunity to provide pre determined underwriting offers for each product with minimum participation that includes three enrollments per product offered or six total enrollments per employer group. Worksite Voluntary benefits have never been easier to implement.
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.
