BUISNESS OWNER

Enhance Your Business With Cash Value Life Insurance

Leverage the stability of life insurance as an asset class to protect your business and attract and retain top talent.

Protect Your Business From the Risk of Losing Key Persons

For businesses, the loss of a key person can have significant ramifications. Life insurance can help mitigate that loss from a financial standpoint.

Learn More About Key Person Insurance

Retain and Attract Top Talent With Deferred Compensation Programs

Increase employee retention by structuring policies as deferred compensation programs that can provide supplemental retirement income to key employees.

Instant Debt Financing of Company Projects Through Secured Loans2

Leverage your cash value as a security for loans to finance liquidity needs of your company.

Learn More About Borrowing

Ensure the Continuation of Your Business with Succession Planning Policies

With a buy-sell agreement you can use the death benefit of a policy to purchase a deceased partner share of the business. Additionally, you can use the cash value to buy a partner out at retirement.

Enhance Tax Efficiency and Increase Yield From Financial Assets3

Avoid capital gains tax on cash value, access tax-free liquidity through secured loans, and deduct interest payments from taxable income achieving long term growth.

Build the Foundation For a
Stable and Healthy Balance Sheet
1

The cash value of your policies can belong to your company and provide competitive growth without risking losses.

See Our Cash Value Policy Types

From SMBs to Corporates - We are Here to Help

All revenue-generating companies, whether big or small, need to develop long-term financial assets as well as protect themselves by attracting and retaining key talent. We’re here to make that as simple as possible.

Explore Policies

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: 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.
3: 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. Money accessed from cash value life insurance is only received tax free if the policy has not been classified as a Modified Endowment Policy (ie. have been funded too quickly). Further, direct withdrawals from the policy are only tax free up to the point of the cumulative premiums paid into the policy. After the total premiums paid into the policy has been withdrawn, a policyowner can still access funds tax free through loans secured by the policy, as long as the policy stays in force.