Life insurance companies earn money in a different way than banks. It is this difference that allows life insurance companies to offer much higher rates of returns than banks while still being just as safe.
The stability of the life insurance business allows our insurers to give out high guarantees of minimum yearly returns, which sets you up for long-term compounded growth.
Whole life insurance works like a turbocharged Roth IRA by not having contribution limits.
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.
By using technology we make it quicker, cheaper and simpler for you to save in whole life insurance than ever before.
We make it simpler than ever before to take out loans for consumption or investments using your policy as a security.
1: All savings and 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: 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.
3: 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.