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Build Wealth With Permanent Life Insurance1

Access protection and accumulation with life insurance through our digital marketplace.

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Our Mission - The Quickest and Simplest Permanent Life Insurance Experience Ever2

We have worked with our carriers to provide you with an expedited application process and accelerated underwriting that skips the medical exam.

Best of Both Worlds - Digital Simplicity with Human Expertise

Our game-changing process provides a digital experience and allows us to recommend a policy best suited to your needs. Our friendly and knowledgeable experts are available to answer any questions you have - and to help you custom-tailor your solution.

Pressure-Free Application and Servicing With No Upselling

Our staff is singularly focused on helping you find the right solution - not the one with the highest commissions.

Access Liquidity Through Policy Loans3

We make it simpler than ever before to take out loans, for anything you want, using your policy as a security.

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It's Tax Efficient4

With our products, gains are not taxed as long as the policy stays in force, loans are received tax free, dividends taken out as cash are tax free up to the point of your cumulative premiums, and death benefits are tax free.

Cash Value Life Insurance Offers Protection And Accumulation1

The products and solutions we offer provide a death benefit to protect your family and may provide additional guarantees and cash accumulation options.

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The White Swan Advantage2

By using technology we make it quicker, safer and simpler for you to buy cash value life insurance than ever before.

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Commonly Asked Questions

1: All growth rates apply to the cash value of permanent life insurance policies, and every dollar spent on insurance premium will not go towards the cash value. Depending on individual preferences policies can be designed with different amounts going towards the cash value, which is explained in this article. Whole and indexed universal life insurance are not registered investment products and past performance is no guarantee of future results.
2: The time to obtain a policy depends on the profile of the insured person, the specifics of the policy, and the underwriting guidelines of the carrier, and the time frame can be longer than referenced if the case does not fit the guidelines our insurance carriers have established for an accelerated application process. In these cases, traditional underwriting including medical exams might be required.
3: Accessing cash value through policy loans may be done on a tax-free basis under most circumstances. Excessive loaning, lower than expected performance of the policy, and/or increased charges may require you to limit the policy or pay loan interest and/or premium payments to prevent the policy from lapsing.
4: While the death benefit of a life insurance policy is typically tax free (unless it has been sold to an investor), any withdrawals in the form of dividends or policy loans are only tax free if the policy has been funded according to IRS guidelines (ie. is not a MEC policy), and the policy isn't surrendered (sold back to the insurance company) or lapsed (expired due to lacking payment). White Swan will help you to keep your policy tax efficient.