Access Downside Protected Stock Market Growth with Indexed Universal Life Insurance

Real Projections for a Sample Indexed Life Owner2

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Equity Linked Growth With Loss Protection2

Get cash value growth when the market goes up but lose nothing when the markets crash.

The Challenge with Traditional Index Investing

Historically equity indexes have crashed on average every 7th year since 1900. During these crashes, most index investors lose money due to having to liquidate their positions, or they have to wait for a long time to recover their losses (25 years for index investors in the great depression of 1929).

How Indexed Life Insurance Provides A Safer Alternative

By providing a 0 % floor for growth you never have to sell at a loss or wait for your portfolio to recover any losses, while still getting the opportunity to participate in part of the market gains.

Access Cash Value Without Incurring Taxes2

Access your cash value as lump sums or recurring income without incurring taxes.


Capital Gains Tax


Distribution Tax

(Such As non-roth 401(k)s, IRAs or Annuities)

Capital Gains Tax


Distribution Tax

Income Tax

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

Our mission is two-fold: to provide you with the best possible solution for your needs, and to deliver that solution through the smoothest digital experience ever seen for indexed life.

Independent Advice, Custom Plans, Top Insurers

Our platform and experts provide independent advice and have nothing but your best interest at heart when we tailor a personal plan for you.

Retire Securely, Without Taxes3

Use withdrawals and loans from indexed life insurance to supplement retirement income - without an extra tax bill.

Learn More About Retiring With Life Insurance

Powerful Protection For Your Family

Indexed life helps keep your family protected through a death benefit that may be cheaper to maintain than other policy types.

The White Swan Advantage3

By using technology we make it quicker, cheaper and simpler for you to get started with indexed life insurance than ever before.

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Access Liquidity Through Policy Loans6

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

Learn More About Borrowing

Get Started With A Free, Custom Plan Today

Our platform makes it easier than ever before to get started with indexed life insurance online.

Get Personal Plan

1. The data in the sample plans are only examples, based on policies issued to a 35 year old man in excellent health, and details will be different for you. All metrics are based off the non-guaranteed, assumed values of the corresponding illustration with a top carrier.
2: 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.
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.
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, 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.
5: 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.
6: 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.