Protect Your Loved Ones and Create a Financial Heritage

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Our Two Main Types of Life Insurance

Why We Focus on Permanent Life Insurance1, 2

Most people lose money on term life policies, simply because they outlive the term of their policy. While premiums for permanent life are higher, they are not a cost like term life, since they have a savings or investment account and gives you coverage for life along with loan options.


Virtually impossible to lose money with minimum returns and lifetime coverage
Tax-efficient for life unlike a 401(k), IRA, or annuity
Can be leveraged as a security for loans used for lifestyle or investments

When Term Life Insurance Might Make Sense

Already investing in a permanent policy but need higher coverage
Ensure repayment of mortgage or family income in case of death
Not interested in tax-free, low risk high return saving and investing but need life insurance

Whether Term or Permanent, We Got Your Back3

Skip Medical Exams
We use accelerated underwriting which allows some applicants to get a policy with no medical exams.
Skip Waiting
Get signed up for both permanent and term life insurance quicker than ever before.

We Offer Two Types of Permanent Life Insurance1

An alternative to savings accounts or government bonds with minimum returns of 4 % and current returns of 6.5 %.
Learn More About Saving
A better way of doing index investing with stock market returns without stock market losses.
Learn More About Investing

The White Swan Advantage3

By using technology we make it quicker, cheaper and simpler for you to save in whole life insurance than ever before.

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1: All growth 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. Whole and indexed universal life insurance are not registered investment products and past performance is no guarantee of future results.
2: 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.
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.