White Swan

Fetching your quotes

To get started, you can select a plan from the selection.

• If you prefer to talk to one of our experts, you can schedule a time

Life insurance policies can generally be divided into two categories:

Permanent life insurance - provides death benefit protection permanently and can allow for tax-advantaged capital accumulation

Term life insurance - provides death benefit protection for a limited amount of years and does not allow for tax-advantaged capital accumulation

Select all that applies and hover the to learn more

The cash value of life insurance policies can grow with different risk and potential reward:

• Some policies feature minimum guaranteed growth but have lower max returns

• Other policies could have years with no growth but have higher max returns

The way the cash value grows inside policies varies:

• Some policies feature consistent growth that is largely uncorrelated with stock markets

• Other policies feature less consistent growth that is correlated with stock markets

In addition to downside-protected accounts, variable universal life insurance provides access to a wide variety of subaccounts managed by professional fund managers.

While this access provides you with investment freedom, it also exposes you to investment risk and you may incur losses.

While all life insurance policies have a death benefit , they work differently:

• Some policies feature a fixed death benefit that stays the same over time

• Other policies feature death benefit that can grow or decrease over time

There are different levels of guarantees on the death benefit in different policies:

• Some policies offer a death benefit that is guaranteed for your entire life

• Other policies have a death benefit that is not guaranteed for your entire life

The cost of insurance is different for different policies:

• Some policies feature fixed costs that are guaranteed to never change

• Other policies feature variable costs that might change in the future

Premiums payments works differently on different policies:

• Some policies feature premiums that are fixed and will never be higher or lower

• Other policies feature premiums that are flexible and could be changed

If you’re looking for guaranteed death benefit, guaranteed variable life may provide a lower premium than other options, but incorporates subaccounts.

While this can help you save money, it also implies a more extensive application process with more steps involved.

Different policies may require different levels of time commitment to manage:

• Some policies require less frequent reviews to ensure good results over time

• Other policies require more frequent reviews to ensure good result over time

If you had something else in mind, you can select a different plan

Whole life can be used as a retirement vehicle

Whole life can be used as a buffer asset to stabilize your portfolio

Whole life can be used to accumulate tax-free savings

Whole life can help you replace income in case of death

Whole life can help you provide a legacy for your next of kin

Whole life can cover post-mortem costs

Whole life features very low return risk while still providing competitive returns

Returns in a whole life policy are largely non-correlated to stock markets

Whole life has a death benefit that can increase over time

Whole life has lifetime guarantees that provide a guaranteed death benefit

Whole life has guaranteed costs

Whole life has level base premiums that are guaranteed to never change

Whole life lets you get money back , in the form of cash value, if you cancel the policy

Whole life allows you to be more passive in managing your policy

While you wanted to be more active in managing your policy, whole life generally requires less management than other policies

While you did not want money back in case you canceled your policy, whole life has this feature

While you preferred flexible premiums, base premiums are required consistently over the funding period

While you preferred variable costs, whole life features fixed costs

While you did not want your death benefit to be guaranteed for life, whole life provides a guaranteed death benefit

While you wanted a fixed death benefit, whole life death benefit may increase over time

While you wanted returns correlated to stock markets, whole life features returns that are largely non-correlated with stock markets

While you were ready to take on more risk for a higher potential return, whole life is relatively less risky than other alternatives

Indexed life can be used as a retirement vehicle

Indexed life can be used as a buffer asset to stabilize your portfolio

Indexed life can be used to accumulate tax-free savings

Indexed life can help you replace income in the event of death

Indexed life can help you provide a legacy for your next of kin

Indexed life can cover post-mortem costs

Indexed life has a higher risk-reward ratio than other policies

Indexed life grows in correlation with stock markets

Indexed life has a flexible death benefit

Indexed life does not guarantee death benefit for life

Indexed life has a variable cost of insurance

Indexed life has flexible premiums

Indexed life lets you get money back if you cancel the policy

Indexed life requires more frequent management to ensure best performance

While you wanted to be more passive in managing your policy, indexed life generally requires more frequent reviews to ensure best performance

While you did not want to get money back in case you canceled the policy, indexed life has this feature

While you wanted fixed premiums, indexed life generally has flexible premiums that could change over time

While you wanted fixed costs, indexed life has variable costs

While you wanted a guaranteed death benefit for life, indexed life typically has limited guarantees on death benefit

While you wanted a fixed death benefit, the death benefit of indexed life insurance can change over time

While you wanted returns uncorrelated to stock markets, indexed life has returns correlated to the stock market

While you wanted low risk returns, indexed life has relatively higher risk associated with the returns

Variable life can be used as a retirement vehicle

Variable life can be used to accumulate tax-free savings

Variable life can help you replace income in the event of death

Variable life can help you provide a legacy for your next of kin

Variable life can cover post-mortem costs

Variable life has a higher risk-reward ratio than other policies

Variable life features fund options that are directly invested in stocks, bonds, and other securities.

Variable life has a flexible death benefit

Variable life does not generally guarantee death benefit for life

Variable life has a variable cost of insurance

Variable life has flexible premiums

Variable life generally requires more management to ensure best performance

While you wanted to be more passive in managing your policy, variable life generally requires more frequent reviews to ensure best performance

While you wanted fixed premiums, variable life generally has flexible premiums that could change over time

While you wanted fixed costs, variable life has variable costs

While you wanted a guaranteed death benefit for life, variable life typically has limited guarantees on death benefit

While you wanted a fixed death benefit, the death benefit of indexed life insurance generally change over time

While you wanted returns uncorrelated to stock markets, variable life generally uses funds invested in the stock markets

While you wanted low risk returns, variable life has relatively higher risk than other policy types