Get investment returns when the market goes up but lose nothing when the markets crash.
By using technology we make it quicker, cheaper and simpler for you to save in whole life insurance than ever before.
Markets has crashed on average every 7th year since 1900. During these crashes, most index investors lose money due to having to sell of 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).
By capping losses you never have to sell at a loss or wait for your portfolio to recover any losses, while still getting similar returns as the index investor.
Protect your loved ones through the life insurance included in whole life policies and guarantee that your savings will grow to at least the value of your life insurance coverage during your life.
Whole life insurance works like a turbocharged Roth IRA by not having any contribution limits.
We make it simpler than ever before to take out loans for consumption or investments using your policy as a security.
1: All investment rates applies 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.
2: The time to apply for a policy depends on the profile of the insured person and the policy size, and can be longer than the mentioned timeframe if the case does not fit the guidelines our insurance carriers have established for an accelerated application process.
3: While the death benefit of a life insurance policy will always be 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.