Supported Product Types
At White Swan, we pride ourselves on offering a diverse range of life insurance products to cater to a wide range of protection and accumulation needs. Here's an overview of the product types we support:
- 1.Term Life: This is a time-limited coverage option with no accumulation possibilities. We offer various durations, including annually renewable terms, ensuring flexibility for short-term protection needs.
- 2.Guaranteed Universal Life: Offering permanent protection, this policy type comes with guaranteed level premiums and no accumulation possibilities. It's a straightforward choice for those seeking lifelong coverage without the complexities of cash value growth.
- 3.Whole Life: A comprehensive policy type, whole life insurance provides permanent protection and strong guarantees on premiums and cash value growth. It's a reliable choice for those seeking a safe-haven asset that offers a combination of protection and savings.
- 4.Indexed Universal Life: This policy type offers permanent protection with growth potential tied to stock market indexes. It provides downside protection, ensuring that the policyholder benefits from market upswings without experiencing loss from downturns.
- 5.Variable Universal Life: A versatile option, this policy type offers permanent protection with a wide selection of funds in which to invest the cash value. From fixed and downside-protected accounts to diverse funds with varying investment strategies, it caters to those seeking a mix of protection and investment opportunities.
- 6.Private Placement Life: Tailored for high-net-worth individuals, this policy type offers permanent protection and unmatched flexibility. It can be customized to invest the cash value in exotic asset classes, including hedge funds and private equity funds, providing a unique blend of protection and growth.
Expedited Underwriting: We understand the value of time. For every product type, except for private placement life, we offer options with expedited underwriting. This means applications can transition to issuance in as little as one business day. However, for those seeking more competitively priced options, we also offer fully underwritten products. While these might take longer to get issued, they may often provide better value in terms of pricing.
Competitive Carriers: At White Swan, we don't compromise on quality. We collaborate with the most competitive carriers in each product segment, ensuring that every individual is matched with the most competitive product for their profile.