One Policy, Two Protections — For Life and Long-Term Care

A Linked Benefit plan combines life insurance with long-term care coverage — giving you the confidence that no matter what the future holds, your money protects you or your family.

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What is a Linked Benefit Policy?

Linked benefit is a life & long-term care hybrid policy.

Is is a modern form of life insurance that allows you to use your policy’s benefits while you’re still alive if you need long-term care.

If you never use the care portion, your loved ones receive the full death benefit instead — so your money is never wasted.

Why People Choose Linked Benefit

A linked benefit provides dual protection for both care and legacy, leaving you with flexibility, stability, and peace of mind.
Guaranteed Benefits – Predictable coverage and premiums, backed by top insurers.
Use It Your Way – Access funds for care while living or pass them on to family.
Tax Advantages – Benefits for long-term care are typically received tax-free.

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.

No Matter What Life Insurance You Need, We Got Your Back1

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

The White Swan Advantage2

By using technology we make it quicker, safer and simpler for you to buy permanent life insurance than ever before.

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

1: The data above is only an example, based on a policy 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: 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.