Personal Insurance
Auto, home, renters, landlord, umbrella, motorcycle, watercraft, flood, valuable items. Built around how you actually live.
See all personal coverage →Protect Today. Prepare for Tomorrow.
Independent insurance agency in Elmhurst, IL — insurance that shows up when life does.
We protect families, businesses, and truckers across the country — and we help people use life insurance while they're still alive, not just after.
4.9 ★ Google rating
20+ years protecting families
Family-run immigrant-founded, Elmhurst
Conversations in your language. 🇺🇸 English · 🇱🇹 Lietuvių · 🇺🇦 Українська · 🇷🇺 Русский · 🇵🇱 Polski · 🇪🇸 Español
What we do
One agency. The whole picture.
Most people don't have one auto policy, one home policy, one life policy, and one retirement plan that all talk to each other. We do. That's the point of working with an independent agent who handles all of it.
Business & Commercial
General liability, workers' comp, commercial auto, property, BOP, cyber, key person, buy-sell. Coverage that scales with the business.
See business coverage →
Trucking · TRUCKER SECURE™
Primary liability, cargo, physical damage, occupational accident. Built for owner-operators and small fleets.
See trucking coverage →
Living Benefits & Life
IUL, term, whole life, mortgage protection, IUL for Kids. Life insurance you don't have to die to use.
Why Living Benefits →
Tax-Free Retirement
IUL, Kai-Zen premium financing, fixed and indexed annuities, Roth and traditional IRAs, SIMPLE IRAs, 401(k)s.
See retirement strategies →
For Agents & Agencies
Build a real practice with Living Benefits. Training, NLG contracts, mentorship from a team that's been doing it 20+ years.
Join our team →4.9★
Google rating
20+
Years in business
6
Languages spoken
The framework we teach
Most people only plan for one of these. Smart families plan for all five.
Every retirement and protection plan has to answer five questions. If your current setup doesn't, we should talk.
01
Taxes
Your 401(k) is a tax bill waiting for the IRS to set the rate. Tax-free retirement is a choice you make now.
02
Market Risk
2008. 2020. 2022. If a 30% drop hits the year you retire, you don't get those years back. Zero is your hero.
03
Inflation
At 4% inflation, a dollar today is worth 50 cents in 18 years. Saving isn't enough — growth has to outpace it.
04
Illness & Injury
Heart attack, stroke, cancer, ALS. Health insurance pays the hospital. It doesn't pay the mortgage.
05
Longevity
The new retirement is 30–35 years, not 20. Your income has to outlast you, not the other way around.
Why we exist
Built by immigrants. Built for families who refuse to leave the people they love unprotected.
I arrived in the US in 2003 after finishing university in Vilnius. I spent 2.5 years at Prudential Financial, then opened Goodwill Financial because I kept meeting families who had pieces of coverage — auto here, a small term policy there — and no one who could put it all together for them.
Twenty-plus years later, the mission hasn't changed. We educate first. We help families and business owners see where the real gaps are. And we make sure that when life happens — and it always does — the people we love still have options.
"You wouldn't drive a car without airbags. You shouldn't have a policy without Living Benefits."
— Vytas Skapcevicius, Founder & CEO
The people you'll actually work with
A real team in Elmhurst. Not a call center.
Vytas Skapcevicius
Founder & CEO
Living Benefits, IUL, Kai-Zen, agency leadership.
Sigita Jageliene
P&C Lead
Personal and commercial property & casualty.
Jurgita Siliuniene
Life & Health Customer Service
Living Benefits agency, IUL, agent training.
What clients say
Real reviews. Real Elmhurst neighbors.
Live from our Google Business Profile — pulled straight from Google and updated automatically.
Let's start with a conversation.
No pitch. No pressure. We'll look at what you have, show you where the real gaps are, and you decide what makes sense.
Get my free proposal or Call 630-785-2412