Use permanent life insurance to securely save and invest your money through our digital marketplace
Our carriers signed up to provide you with an expedited application process and less stringent need for medical exams, saving you valuable time and effort.
Indexed life insurance allows you to make money when stock markets go up but lose nothing when they crash.
Our smart technology provides a fully digital experience and recommends you the best policies from more than 170 thousand alternatives while our friendly and knowledgeable agents are always available through chat, phone, and e-mail to help you get the perfect policy.
Whole life insurance offers the best savings rates in the market right now without exposing you to any big risk.
Our staff is not compensated through individual commissions and will not push you to get products or add-ons you can’t afford.
Access up to 90% of your funds without withdrawing any money using our policy loans, in order to finance your lifestyle and future investments.
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.
Our savings and investment products are all attached to a life insurance policy, which covers you for your entire life and guarantees a minimum return of your investment as well as protection for your loved ones.
By using technology we make it quicker, cheaper and simpler for you to save and invest in permanent life insurance than ever before.
In the beginning of the 1900’s, the public invested 50 % of their savings in this vehicle, and it is still heavily used by banks and the wealthy. As Wall Street grew, more risky products with higher commissions appeared, and permanent life insurance was forgotten.
Life insurance is a very predictable business, based on statistics and conservative investments. Due to this predictability, the companies we are working with have performed steadily through all market crashes in modern times and can leverage that to offer guarantees for their policyholders.
The US government considers life insurance important for society as a way of helping families get through tough times. Therefore, it has been given favourable tax treatment for 170 years.
1: All growth rates applies 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: 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, 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.
3: 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.