Make an Impact.

Build Wealth.

Join the Living Benefits Movement.

Start your career, side hustle, or referral hustle—build wealth and make an impact. Book your discovery call now.

Make an Impact. Build Wealth.

Join the Living Benefits Movement.

Start your career, side hustle, or referral hustle—build wealth and make an impact. Book your discovery call now.

Secure your tomorrow with living benefits

What if your life insurance could help you during a serious illness or injury—not just after you're gone? With living benefits, you can access your coverage when you need it most.

warren buffett said:

Rule No. 1: Never lose money.
Rule No. 2: Don't forget Rule No.1.

Warren Buffett said it best: “Never lose money.”

Indexed Universal Life (IUL) policies offer market-linked growth potential (typically subject to a cap) with downside protection through a 0% floor.

They can also offer tax advantages when structured properly, including potential access to policy values for things like retirement or college education.

Our Concept

One product. multiple solutions.

Living Benefits is a product which combines life insurance protection with the potential for cash value accumulation, which solves these 3 problems of these puzzle pieces...

DYING TOO SOON

BECOMING ILL

LIVING TOO LONG

Most old, traditional policies only pay when you're gone.

Ours can help while you're still here.

Life Insurance you DON'T have to DIE to use.

Secure your tomorrow with living benefits

We understand that selecting the right insurance can be challenging. That's why we're here to help! Schedule an appointment with one of our professional agents, today!

powerful Solutions

Protection with Purpose. Growth with Options.

Private reserve strategy

We all finance what we buy—either paying interest on loans or losing interest by paying cash. The Private Reserve Strategy helps your money keep growing while you borrow against it.

With a properly structured life insurance policy, your cash value grows tax-deferred, and you can access it through unstructured loans—meaning no set repayment schedule.

This lets you finance purchases or opportunities without losing your money’s growth. Your policy’s cash value and death benefit secure the loan, giving you flexibility and control.

It’s a smart way to get tax-advantaged growth and access funds, like how banks capitalize on deposited money.

defined benefit - cash balance plans

Business owners and high-income, self employed professionals can now unlock powerful tax-saving opportunities with Defined Benefit Cash Balance Plans that include properly structured life insurance. This strategy allows for much higher tax-deductible contributions than traditional retirement plans, plus the flexibility to tailor benefits to your unique goals. Enjoy tax-deferred growth, personal protection, and retirement income—all in one plan. Fully compliant and designed by licensed experts, this is a smart way to reduce taxes while building long-term wealth.

defined benefit - cash balance plans

Business owners and high-income, self employed professionals can now unlock powerful tax-saving opportunities with Defined Benefit Cash Balance Plans that include properly structured life insurance. This strategy allows for much higher tax-deductible contributions than traditional retirement plans, plus the flexibility to tailor benefits to your unique goals. Enjoy tax-deferred growth, personal protection, and retirement income—all in one plan. Fully compliant and designed by licensed experts, this is a smart way to reduce taxes while building long-term wealth.

Start Your Insurance Career for Just $125

Join V&R Legacy and get state licensed to help families and businesses with powerful solutions like life insurance with living benefits, private reserve strategies, and qualified plans such as cash balance plans. Work remotely or in person with access to nationwide offices and virtual trainings. Whether working as a solo agent or building an agency and team, our proven, duplicatable platform refined over 30 years has you covered.

We're partnered with a top-rated carrier that’s been trusted for over 170 years, the nation’s leading life insurance company with living benefits, and the nation's top provider of IULs. As their top independent marketing organization (IMO), with an exclusive proprietary product, our Living Benefits Crusade gives you the edge to make a real impact and build a flexible, rewarding business.

Answers & Insights

📝 Is there help with my state licensing fees?

Yes! Our agency offers a state licensing fee reimbursement for new agents who complete their training sales and meet certain production requirements within a set time frame. It's a great way to offset your startup costs and begin building your business with added support.

📝 Do I need experience to join?

Nope! Whether you’re brand new, part-time, or just referring people, we provide full training and mentorship, both in-person or online, to help you succeed.

💸 How much does it cost to start?

Just a $125 one time brokerage fee—no monthly fees or any other fees. This keeps start up costs low.

We offer a state licensing reimbursement program that rewards agents who complete required training sales and achieve specific sales targets, earning enough points to qualify for assistance with state licensing costs.

📚 How do I get licensed?

Getting state licensed is straightforward, and we’ll help guide you through every step based on your state’s requirements.

Pre-licensing courses typically cost $100–$200+, but through our exclusive partnership with our preferred pre-licensing partner, you’ll get access to your course for 70-80% off.

We’ll also help you navigate your state’s licensing process, from course registration to scheduling your exam and applying for your license.

💵 How do I get paid?

This is a 1099, commission-based opportunity where you work as an independent contractor. You earn commissions by providing clients with life insurance and retirement solutions like Term, Whole Life, and Indexed Universal Life (IUL) policies along with retirement solutions such as Fixed Indexed Annuities within Qualified Plans like 401(k)s, IRAs, Roth IRAs or Roth 401(k)s, and more.


There’s also the option to build an agency, earning override commissions by training and supporting your team/agency—with our proven business model, refined over 30 years. All compensation is tied only to actual policy sales and service, ensuring full compliance with state insurance regulations.

You can also build residual income through policy renewals, and qualify for bonuses on your own or as an agency.

🧠 What products will I be offering?

We help families and businesses with a range of life insurance solutions—including term, whole life, and indexed universal life—plus qualified plans for retirement, such as Roth or Traditional 401ks, IRAs, among others, and advanced strategies, with living benefits as a foundational part of our offerings.

🏆 What makes you different?

We’re not just another insurance opportunity—we’re a company built on 30+ years of experience, partnered with top-rated national carriers, with a top IMO (Independent Marketing Organization) known for keeping and delivering real promises. All agents are state licensed, carry Errors and Omissions (E&O) insurance, and are backed by a platform designed to help you grow—whether part-time or full-time, or even referral only (state-licensed still required for referral only).

What truly sets us apart? Our access to proprietary products, our focus on living benefits, and our commitment to empowering agents with modern tools, mentorship, and mission-driven leadership to create real impact.

JOIN OUR LIVING BENEFITS CRUSADE! 🧩