Accumulate Tax-Advantaged Wealth and Protect Loved Ones with Life Insurance

Our digital platform and industry experts make it simple for you to access any type of life insurance solution, from top carriers, helping you accumulate tax-advantaged wealth and/or protect your loved ones.

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Our Cash Value Products

Our platform provides you with simple, digital access to cash value life insurance solutions, which can provide exposure to any asset class and strengthen your portfolio with unbeatable tax advantages and protection features.

TOP FUND MANAGERS
BROAD SELECTION OF FUNDS
REAL ESTATE
TECHNOLOGY
& INNOVATION
INTERNATIONAL
STOCKS
DOWNSIDE
PROTECTED
BONDS
SMALL CAP
GROWTH
REAL ESTATE
TECHNOLOGY
& INNOVATION
INTERNATIONAL
STOCKS
DOWNSIDE
PROTECTED
BONDS
SMALL CAP
GROWTH
REAL ESTATE
TECHNOLOGY
& INNOVATION
INTERNATIONAL
STOCKS
DOWNSIDE
PROTECTED
BONDS
SMALL CAP
GROWTH

Access a Wide Variety of Funds with Variable Life

Access a wide variety of funds from top fund managers to get exposure to anything from stocks to bonds to real estate through variable life insurance.

Learn About Variable Life

Use Indexed Life to Access Stock-Index Correlated Growth With Protection Against Loss2

Indexed universal life insurance grows when a stock index grows, but is protected against loss when the underlying index experience losses.

Learn About Indexed Life

Use Whole Life as a Stable Buffer Asset info-circle for Your Portfolio1

Whole life insurance features strong guarantees and non-market correlated returns which can provide a safe haven through any market.

Learn About Whole Life
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Access Cash Values Without Incurring Taxes2

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

CASH VALUE LIFE INSURANCE

Capital Gains Tax

None

Distribution Tax

None
TRADITIONAL RETIREMENT PLANS
(Such As non-roth 401(k)s, IRAs or Annuities)

Capital Gains Tax

Deferred

Distribution Tax

Income Tax

How Cash Value Life Insurance Solutions Can Improve Your Finances

Leverage Cash Value Life Insurance to Invest More1,2

Cash value life insurance can be used as a security for low-interest loans, which you can use to leverage your portfolio.

Learn More About Cash Value Leveraged Investing

The Key To Be Profitable Using Leverage

Make sure that your returns are bigger than the interest you are paying on the loan and you will be able to profit the spread.

Learn More About Borrowing

Invest in Real Estate With No Cash Out of Pocket

By using a secured loan on your cash value policy to pay a down payment on a property investment you can buy new properties with no cash down.

Change Allocation Over Time

Variable life allows you to change the allocation of funds within your policy as your financial goals or the markets change.

Think that we’re on the verge of the next bull market?

Allocate to a wide variety of stock funds across industries, sizes, strategies, and geographies.

Bearish about the market or would like to de-risk?

Allocate to top bond funds or downside-protected accounts.

Our Protection-Only Products

While our cash value products feature a death benefit that keeps your loved ones safe, our platform also provides access to protection only products which may have more affordable premiums.

Permanently Protect Your Loved Ones with Guaranteed Universal Life

Access protection which never expires, with guaranteed premiums, and without a cash value, with guaranteed universal life.

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Common Uses For Guaranteed Universal Life

Leaving a financial legacy for your loved ones to keep them safe and happy.
Covering costs like estate taxes, funeral fees, or other costs post mortem.
Ensuring business continuity by providing funding for buyout of deceased partner.

Temporarily Protect Your Loved Ones with Term Life

Access affordable premiums with coverage that expires in 10, 20, or 30 years which can help you replace income.

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Common Uses For Term Life

Term life can help you with temporary protection needs such as:
Already contributing to a permanent policy but need more temporary coverage
Replace income, secure loan, or pay off mortgage in case of premature death
Get protection that can be converted into a permanent policy later

Why White Swan is Your Best Choice for Any Life Insurance Solution

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 variable 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.

Your Data Security - Our Priority

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

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

The Future of Life Insurance is Here
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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: Charges, dividend rate, and loan interest rates on a cash value life insurance policy might fluctuate, and to keep the policy in good order it is important to keep the loan balance lower than the cash value by repaying any loan in addition to paying premiums. If the loan balance exceeds the cash value and there is no repayment of the loan or additional premium payment to increase the cash value, the policy can become cancelled, which can lead to a loss of the principal as well as a tax liability. There are however policies with so called overloan protection which protects against this risk.
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.
4: 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.