Access protection and accumulation with life insurance through our digital marketplace.
We have worked with our carriers to provide you with an expedited application process and accelerated underwriting that skips the medical exam.
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.
Our staff is singularly focused on helping you find the right solution - not the one with the highest commissions.
We make it simpler than ever before to take out loans, for anything you want, using your policy as a security.
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.
The products and solutions we offer provide a death benefit to protect your family and may provide additional guarantees and cash accumulation options.
By using technology we make it quicker, safer and simpler for you to buy cash value life insurance than ever before.
Learn what key person insurance is and how businesses can use it to protect themselves and leverage the power of life insurance.
Learn about how cash value life insurance can be used to create tax-free retirement income and overcome many of the limitations of traditional retirement plans.
Learn more about how premium finance works like a mortgage for life insurance to help you leverage your premiums and potentially improve your results.
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.
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.
Learn about the difference between a mutual and a stock life insurance company and how it affects the risk and results you can expect from your permanent life insurance policy.
Learn more about how you can exchange one life insurance policy for another without taxes and what factors decide whether this will help you achieve better results or be worse off.
Learn more about the optional riders (think add-ons) that can provide you with extra benefits, protection, and functions from your life insurance policy.
In December 2020 lawmakers changed the rules on life insurance to make it more efficient as an investment - learn more about why this happened and what effects it has in this article.
It is possible to buy life insurance for other people than yourself as a way of not only increasing your protection, but also making your life insurance investing as a whole cheaper. This article presents the best strategies for building a portfolio of life insurance policies, the benefits of group life insurance, and the value of diversification between different insurance companies.
Learn the best strategies for investing your money during market crashes.
Using policy loans can be an effective way to put your money at work at two places at the same time. This article goes over the best way to structure these loans, what to invest in, and how to handle the risk.
Life insurance pricing is not as straightforward as it may seem. Many different variables goes into deciding each premium and in this article, we will look at the most important ones and how to structure these optimally.
There are three different permanent life insurance in today's market. Every one of them have different features and benefits which can help you secure
Ever wondered how permanent life insurance actually work? Here you can find the answer.
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.