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.
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
AssureLife is a proprietary system built to address Whole Life insurance or Permanent Life Insurance. Term life insurance is a product built with an expiration date well within life expectancy. Whole Life insurance or Permanent Life Insurance is built to last your entire lifetime with additional features including tax-free cash value and, if desired, Long-Term Care coverage.
Under the definition of Permanent Life Insurance, there are a wide range of products. Whole Life is technically one of those product types along with Universal Life, Index Universal Life, Guaranteed Universal Life and Variable Universal Life.
A common misconception is that Whole Life is a Guaranteed product. This is not true. Your initially purchased Death Benefit is Guaranteed but if you have a plan that is designed to grow, there is no Guarantee it will perform as shown. The Premium and a minimum level of Cash Value might be Guaranteed but not the growth. The backbone of the Whole Life policy is a combination of the Dividend and internal Fees. Neither of these are Guaranteed. And since most Whole Life products have seen dramatic Dividend decreases over the last 20 years and their fee schedule is not disclosed, these policies are much more vulnerable than you think.
Whole Life provides a non-guaranteed Dividend on your cash value. The Dividend is a gross number, meaning the amount of return you actually earn inside the policy is much less if you take into account the high fees in Whole Life.
AssureLife uses a proprietary system that has access to all life insurance options including those that provide
We only use high-end, household name life insurance carriers that have A ratings across several rating systems.
Under the tax code you are allowed to move from one permanent life contract to another tax-free through a 1035 Exchange. This means you can move your Cash Value within an existing policy to a new policy without any negative tax consequence.
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 free analysis now.
Get Started
