Access Strong And Safe Growth Rates Through Whole Life Insurance1

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Real Projections for a Sample Whole Life Owner2

Minimum Guarantees Ensure Cash Value Growth

Whole life policies are built around guarantees. There is no reverse gear – your cash value is guaranteed to grow year-over-year to equal the guaranteed death benefit at age 100.

Buying Whole Life Provides Ownership in One of the Most Stable Business Models Ever: Mutuality info-circle

We offer participating whole life policies from mutual life insurers, which makes you a co-owner and enables you to earn dividends on the policy. .

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Access Cash Value Without Incurring Taxes2

Access your cash value as lump sums or recurring income without incurring taxes.


Capital Gains Tax


Distribution Tax

(Such As non-roth 401(k)s, IRAs or Annuities)

Capital Gains Tax


Distribution Tax

Income Tax

100+ Years of Paying More Than What's Guaranteed

Non-guaranteed returns come in the form of a dividend info-circle which have been consistently paid by our carriers through all pandemics, market crashes, and wars since the 1800s.

When investment returns, mortality experience and/or expenses are greater than the guaranteed assumptions, a dividend may be declared.

A Solution You Can Trust, An Experience You’ll Love

Our mission is two-fold: to provide you with the best possible solution for your needs, and to deliver that solution through the smoothest digital experience ever seen for whole life.

Powerful Protection For Your Family

Whole life helps keep your family protected through a death benefit that has strong guarantees which lasts for life.

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.

Retire Securely, Without Taxes3

Use withdrawals and loans from indexed life insurance to supplement retirement income - without an extra tax bill.

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The White Swan Advantage6

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

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Access Liquidity Through Policy Loans7

We make it simpler than ever before to take out loans, for anything you want, using your policy as a security.

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Get Started With A Free, Custom Plan Today

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

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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 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: Refers to policy dividend rate. Mortality and expense factors are also considered when determining net return. Dividend is not representative of the internal rate of return. 
3. 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.
4: 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.
5: Money accessed from cash value life insurance is only received tax free if the policy has not been classified as a Modified Endowment Policy (ie. have been funded too quickly). Further, direct withdrawals from the policy are only tax free up to the point of the cumulative premiums paid into the policy. After the total premiums paid into the policy has been withdrawn, a policyowner can still access funds tax free through loans secured by the policy, as long as the policy stays in force.
6: 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.
7: 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.