We partner with the nation's top-rated life insurance carriers to help families secure their future and build tax-advantaged wealth—the right way.
Rated Carriers
Cost to You
Client Focused
We work exclusively with A-rated and above carriers—companies that have been paying claims and building wealth for decades.
F&G Life
Transamerica
Mutual of Omaha
National Life Group
American AmicableYears Combined History
Financial Strength Ratings
In Claims Paid Annually
LIV Agency was founded on a simple belief: every family deserves access to the wealth-building strategies that the financially elite have used for generations. We're here to bridge that gap—with education, transparency, and the right protection.
We don't pressure. We educate. Every client understands exactly what they're getting, why it works, and how it builds wealth over time.
We're not locked into one company. We shop the top carriers in the country to find the best fit for your goals, budget, and health profile.
Your policy is just the beginning. We stay with you through every life change—because building wealth is a long game.
Cash value life insurance isn't just protection—it's a financial vehicle used by the wealthy for generations. Here's how it works for you.
Unlike term insurance, cash value policies offer benefits you can use while you're alive—including access to funds for critical illness, chronic illness, and terminal illness at no additional cost.
Your cash value grows tax-deferred, and when structured correctly, you can access your money tax-free through policy loans. No capital gains. No penalties. No restrictions.
Become your own bank. Borrow against your cash value for major purchases—real estate, vehicles, business investments—while your full balance continues to earn interest.
Indexed Universal Life (IUL) policies give you market-linked growth with a built-in floor—your cash value is protected from market downturns. Gains without risk of losses.
A tax-free death benefit passes directly to your beneficiaries—outside of probate. One of the most efficient wealth transfer tools that exist.
Max out your 401(k)? Great. Cash value life insurance creates a secondary retirement income stream that isn't taxed and doesn't affect your Social Security benefits.
Don't take our word for it. Here's what our clients say about working with LIV Agency.
"I had no idea life insurance could actually build wealth. LIV broke it down in a way that made sense—no pressure, just real education. I feel like I'm finally making moves for my family's future."
"Brandon took the time to explain everything—the cash value, the tax benefits, how infinite banking actually works. I went in skeptical and came out with a plan I'm genuinely excited about."
"Most agents just try to sell you something. LIV actually cared about what I needed. They shopped multiple carriers and found me the best fit. Five stars isn't enough."
Still have questions? Reach out to us directly—we're always happy to talk.
Cash value life insurance is a type of permanent life insurance that includes both a death benefit and a savings component. A portion of your premium goes into a cash value account that grows over time—tax-deferred. You can access this cash value through policy loans while you're alive, making it a powerful wealth-building tool. Book a free consultation to learn more →
Term insurance is temporary—it covers you for a set period (10, 20, or 30 years) and expires with no value. Cash value policies like IUL (Indexed Universal Life) are permanent—they last your entire life, build cash value you can use, and include living benefits. Think of term as renting and IUL as owning. Let's find the right fit for you →
Infinite banking is a strategy where you use your cash value life insurance policy as your own personal bank. Once your policy has accumulated cash value, you can borrow against it for any purpose—buying a car, funding a business, investing in real estate—while your full cash value continues to earn interest. You pay yourself back on your own terms. Schedule a walkthrough →
We get that a lot. The truth is, cash value life insurance isn't new—it's been used by wealthy families, banks, and corporations for over a century. It's not a get-rich-quick scheme. It requires discipline, proper structuring, and time. What we do is make this strategy accessible to everyday people, not just the ultra-wealthy. Learn how it works →
No. Your consultation is completely free with no obligation. We'll take the time to understand your goals, explain your options, and only recommend a strategy if it genuinely makes sense for your situation. If it's not the right fit, we'll tell you. Claim your free consultation →
Most agencies are captive—they work with one carrier and push whatever that company sells. We're independent. We shop the top carriers in the country to find you the best policy for your specific needs. Plus, we lead with education, not sales tactics. Our goal is a long-term partnership, not a quick commission. Learn more about our mission →
Book a free, no-pressure consultation. We'll walk through your goals and show you exactly how cash value life insurance can work for you.