90% of Policy Owners Are Paying Too Much For Whole Life Insurance
Using a proprietary analysis platform, receive an objective review of your whole life policy without the need of a sales agent and let the numbers speak for themselves. We save clients, on average, 30% or more on their whole life insurance with access to elite rates not found in the general marketplace.
40 Years Of Insights Built Into One Revolutionary Analysis Platform
After analyzing thousands of whole life policies and uncovering the same price inefficiencies, we engineered a proprietary platform to improve existing permanent life policies. Our commitment to provide objective reviews through data, not sales, has established us as a trusted leader in policy optimization.
Take the First Step Toward Premium Savings
Your whole life policy could be costing you thousands in unnecessary premiums. Find out how much you could be saving by starting your complimentary analysis now.
Get Started
How Our Platform Transforms Your Premium Rates
Objective Analysis
Our proprietary software analyzes your existing policy against the entire market.
Exclusive Pricing
Access institutional rates through our M Financial Group partnership—pricing that 99% of agents can't access.
Comprehensive Coverage
Work with all major carriers.
Streamlined Process
Digital application with no medical exam required for most policies.
Data-Verified Results Across All Major Carriers
Not only do our clients secure more cost-efficient policies with average premium savings of 30%, but they can dramatically increase their financial well-being by investing the difference. Whether maximizing death benefits, lowering costs, or adding long-term care coverage, our institutional rates deliver superior value.
Average Premium Savings of 30%
Current Carrier
Death Benefit
Annual Cost
AssureLife Annual Cost
Current Carrier
Northwestern Mutual
Death Benefit
$6,000,000
Annual Cost
$44,801
AssureLife Annual Cost
$28,672
Current Carrier
Lincoln National
Death Benefit
$1,000,000
Annual Cost
$18,414
AssureLife Annual Cost
$14,731
Current Carrier
Northwestern Mutual
Death Benefit
$2,000,000
Annual Cost
$26,500
AssureLife Annual Cost
$16,165
Current Carrier
Mass Mutual
Death Benefit
$907,814
Annual Cost
$50,000
AssureLife Annual Cost
$0
Current Carrier
Northwestern Mutual
Death Benefit
$3,200,000
Annual Cost
$65,832
AssureLife Annual Cost
$40,815
Current Carrier
Northwestern Mutual
Death Benefit
$1,250,000
Annual Cost
$27,380
AssureLife Annual Cost
$0
Current Carrier
Guardian
Death Benefit
$1,166,338
Annual Cost
$19,245
AssureLife Annual Cost
$13,856
Your Data-Driven Path to Premium Savings
Review Your Policy Now- Submit Your Policy Upload your current policy details through our secure platform for a comprehensive review.
- Receive Your Analysis Our proprietary software analyzes your policy against the entire market, identifying potential savings opportunities.
- Review Your Options Get a clear, objective comparison showing how much you could save while maintaining identical coverage.
- Simple Implementation If you choose to optimize your coverage, enjoy our streamlined digital application process—no medical exam is required for most policies under $5M.
Advanced Technology Meets Market-Wide Access
Our platform instantly analyzes your current premium against the entire marketplace, identifying the highest-value opportunities across all major carriers. The result is institutional pricing previously unavailable to individual policy owners.
Simple, Risk-Free Process
Submit your policy for a comprehensive market analysis and clear savings comparison. Our streamlined digital application requires no medical exam for most policies, and you’re never obligated to proceed. Expert support guides you through every step, ensuring you understand all your options.
Let The Numbers Guide Your Decision
Our platform removes traditional sales pressure from the equation. You’ll see a clear, data-driven comparison of your current premium against institutional rates, putting you in control of the decision-making process.
Frequently Asked Questions
Term life insurance is temporary; it has an expiration date. Whole life insurance is a type of permanent life insurance. Permanent life insurance is designed to last your entire life. It includes extra features like tax-free access to cash value you can use during your lifetime and, if you choose, long-term care coverage. We specialize in helping you enhance these long-lasting, permanent policies.
Permanent life insurance is the general category for policies that last a lifetime. Whole life insurance is just one type of permanent life insurance. Other types include products such as universal life (UL), indexed universal life (IUL), and guaranteed universal life (GUL). We can help you navigate these options to find the most suitable fit for your goals.
While your whole life death benefit is guaranteed from the start, a common mistake is thinking the entire policy's performance is guaranteed. In reality, the growth of your cash value is not. This growth depends on two things: dividends and internal fees. The issue is that neither of these is guaranteed. In fact, many older policies have seen their dividends drop significantly over time, making them far less stable than you might think.
Most whole life policies grow cash value through non-guaranteed dividends. The problem is that these dividends are often a "gross" amount, and the real growth you see is much lower because of high fees buried in your policy. The policies we recommend are designed for better, more transparent growth potential, so you know exactly what you're earning.
We're able to find so much value because we use a tech-savvy, proprietary system that gives us a complete view of the market. While most financial professionals only have access to a small number of products, our system can analyze all life insurance carriers and products, including exclusive, lower-cost options from M Financial Group. This allows us to find better policy options for you based on your age, health, and financial goals.
We only work with the most trusted, household-name insurance carriers that hold an "A" rating or higher from multiple, independent rating systems. This means you can be confident that the companies we recommend have a proven track record of financial strength and stability.
We help you switch policies using a 1035 Exchange, a special process that lets you move the money from your old policy to a new, better one without having to pay taxes on the growth. It's a simple, tax-free way to upgrade your policy.
Take the First Step Toward Premium Savings
Your whole life policy could be costing you thousands in unnecessary premiums. Find out how much you could be saving by starting your complimentary analysis now.
Get Started