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PARENT/SPOUSE
Provide financial security for your family - protect against premature loss of a breadwinner by getting life insurance.
Get simple access to the cash value of your policy to build and protect your family’s wealth.
Cash values can be accessed for anything you choose: from helping to pay college tuition to assisting with major purchases such as a first home.
Use withdrawals and loans from cash value life insurance to supplement retirement income - without an extra tax bill.
Easily get the whole family set up with life insurance policies in one place - the younger and healthier they are, the cheaper it will be.
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 in this article. Whole and indexed universal life insurance are not registered investment products and past performance is no guarantee of future results.
2: 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.
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.
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