A Brokerage Platform Providing Access to The Universe of Life Insurance Solutions

White Swan’s platform provides best-interest driven access to any type life insurance solution for individuals and businesses directly, and empowers financial services companies to do the same for their clients, as White Swan Partners.

Digital • Simple • Transparent

For IndividualsFor Partners
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Our Mission - To Bring Permanent Life Insurance Into the Digital Age

By using technology we make it quicker, safer and simpler to buy any type of life insurance.

The White Swan Advantage

Learn About Our Products

Through America's top insurers we offer products that can help build wealth and stay protected.

Variable Life
Indexed Life
Whole Life
Term & Guaranteed Universal Life

Independent Advice, Custom Plans, Top Insurers

Our platform and experts provide independent advice and have nothing but the client's best interest at heart when we tailor a personal plan.

We partner with america's top insurers

WHITE SWAN FOR PARTNERS

Offer Any Life Solution to Your Clients with Our Plug-and-Play Platform

White Swan's partner platform allows financial advisors, fintechs, and insurance producers to provide their clients with a digital experience for buying and managing life insurance that is unmatched in terms of transparency, flexibility, and simplicity.

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A Solution You Can Trust, An Experience You’ll Love

Our goal is two-fold: to provide clients with the best possible solution for their needs, and to deliver that solution through the smoothest digital experience in the life insurance industry.

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 a client's needs. Our friendly and knowledgeable experts are available to answer any questions and to custom-tailor solutions.

Data Security is Our Priority

Our platform is built with high security standards to keep users' data safe through features like 2 factor authentication and accounts.

Learn More On Our Blog

The Complete Guide to White Swan for Partners

Learn about why we built our partner platform, the benefits it can bring your business, and a detialed guide to using the platform.

Banks vs Life Insurers - Who’s the Better Safekeeper of Your Money?

Learn why life insurers can provide you with better financial results than your bank, and how your money parked at a bank faces many risks that it doesn't when you park it with a life insurance company.

The Antifragile Portfolio: How to Protect Yourself From Losses Without Sacrificing Returns

Learn how you can organize your money to create an antifragile portfolio where you can protect yourself from financial ruin while at the same time having the ability to achieve amazing returns.

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Commonly Asked Questions

White Swan is a digital broker and advisor that provides a better experience for buying permanent life insurance and using it as a tool to build wealth.

We do not sell our own policies, but are rather selling policies from America's top rated insurance carriers. Learn more by visitingd about us .

We sell many different kinds of life insurance policies, from policies designed to provide you with as much cash value accumulation as possible to policies designed to provide you with a certain amount of death benefit at the lowest cost.

Variable life insurance are policies that allow you to access a wide variety of funds managed by top tier money managers in which to invest your cash value, which you can learn more about here .

Indexed life insurance are policies that allow you to participate in stock market upside while staying protected from losses, which you can learn more about here .

Whole life insurance are our most conservative policies and offers the strongest guarantees and predictability, which you can learn more about here .

We also offer other more protection focused policies such as guaranteed universal life and term life, which you can learn more about here .

When you visit our platform you can see how a sample plan from us can perform and request a personal plan that is customized to your goals, needs, and circumstances.

When we create a personal plan for you, we compare options across more than 15 of America's top insurers to find the best option for you. We do this independently and with nothing but your best interests at heart.

Once we've identified the optimal plan for you, we send you a digital proposal where we have broken down the traditional insurance illustrations info-circle into easier to understand graphs and metrics.

If you like the policy, you can fill out an application online, and our expert agents will help you get the policy issued as quickly as possible.

Once your policy is issued, your loved ones will be protected by the death benefit of your policy, and your cash value will grow as you pay your premium.

To enjoy your policy during your life, our platform makes it easier for you to access money from the policy through loans, dividends, or withdrawals, which you can use for anything you like, for example as retirement income.
Permanent life insurance is not a new invention, and some types of it, such as whole life insurance, has been around to produce stable results for more than 170 years.

The way that they have been sold, however, has not changed much for the past 100 years, and while most of us have gotten used to doing our other insurance, banking, and investing online, this has not been available with permanent life insurance products.
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Despite product innovation in the past decades with powerful new policy types such as indexed universal life and variable universal life, these policies before White Swan were not easily available online.
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Because of this lack of digitalization, cash value life insurance has fallen by the wayside of shinier objects that you can find and use online.
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Nevertheless, it has an important role to play as a tax-advantaged accumulation tool, as a buffer asset info-circle, and as a powerful protection for your family or business, which is why we decided to bring permanent life insurance into the digital age.
As life insurance may help stabilize society, the IRS has designated it with tax advantages under section 7702 of the tax code.
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These tax advantages allow you to receive the death-benefit tax-free info-circle, loans tax-free info-circle, and withdrawals tax-free up to the cost-basis info-circle4
Get Started

Our mix of best in class technology with human service is the modern way of buying life insurance, and getting started is easy.

The Future of Life Insurance is Here Get Started Today

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 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 (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.
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.

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