01 / How it works
Buying new coverage or reviewing what you already own runs through the same three steps: waitlist, analysis, recommendation. The current public path ends after confirmed waitlist signup; call, form, and document-upload continuations remain invitation-only in the authenticated portal. The analysis runs independently of what we'd earn. The recommendation comes back with the commission disclosed on every option.
Calls are with an AI agent; after separate affirmative in-call consent, the rest of the call is recorded and transcribed. Every case is reviewed by a
licensed human before it leaves the building.
02 / Two motions
The three-step backbone is the same. The fields, the analysis, and the recommendation differ by motion. We tell you which motion you're on inside the first 30 seconds.
New coverage
You don't have a relevant policy yet (or you have one for a different need), and you're evaluating brokers and products. The recommendation comes back as one or more product options with commission disclosed on each.
Detail at /new-coverage →Review coverage
You want an honest read on whether it's still doing its job. The recommendation comes back as Hold, Modify, Replace, or Surrender, with the commission to mnw on each option including $0 on Hold.
Detail at /review-coverage →03 / Step 01 · Intake
The current public flow is a confirmed waitlist. Invited call, form, and document-upload continuations will feed the same analysis pipeline from the authenticated portal.
The intake collects what the analysis needs: your situation (income, dependents, existing coverage), your goals (cash-value accumulation, death benefit, retirement income, estate transfer), and, if you're on the review motion, the policy details (carrier, product, face amount, year of issue, in-force performance versus the original illustration where you know it).
In an invited voice cohort, the AI agent leads a consultative call. Math-fluent. Holds context across the conversation. Announces itself as AI at the start. The voice path is the highest-fidelity for new-coverage cases because the agent can probe and refine in real time.
Planned form intake will use structured questions with save-and-return. Planned document upload will let you attach an in-force illustration or related document from the authenticated portal. Those routes will feed the same analysis pipeline when they ship.
Sample intake · voice channel · ~22 minutes
Invited-channel timing is measured internally · public access remains waitlist-only
04 / Step 02 · Analysis
The recommendation pipeline cannot read from the commission database. Launch proof for that boundary is tracked before customer audit claims are promoted.
Once we have your intake, we run two AI agents. The Analyzer reads your situation and writes the recommendation. The Placement agent reads the recommendation and places the business. Information flows one way. The Analyzer can't read from the commission database, can't query the Placement agent, and can't be influenced by anything that would tell it what mnw stands to make. Every cross-boundary read attempt from Placement toward Analyzer is blocked at the system level and audited. The customer-readable audit trail is launch-gated until the full render and evidence chain are complete.
The reason for the separation is structural rather than aspirational: a human-only agency can't make this commitment because the same producer holds both sides. AI is what makes the separation work at scale. (Full operational detail at /our-promise Section 02.)
For a new-coverage case, the analysis looks at suitability (does insurance solve a problem you have?), product fit (term, whole life, IUL, annuity?), and carrier-and-design fit (within the recommended product class). Each step can return a No answer. If insurance is not the right tool, we say so and we earn nothing.
For a review-coverage case, the analysis looks at in-force performance (versus original illustration), suitability-now (has your situation changed?), replacement math (if applicable, with surrender charges, cost basis, contestability reset, and new commission load), tax treatment, and carrier financial health. The analysis can produce a Hold answer; mnw earns nothing on a Hold recommendation.
Architecture · recommendation and placement, separated
Two systems, one boundary. The launch gate requires audit evidence for the separation.
05 / Step 03 · Recommendation
Every recommendation comes back with the commission disclosed in dollars on every option, including a $0 line for any "do nothing" or "hold" option.
The recommendation is designed as a structured document. If an invited cohort includes a voice or portal path, the authenticated experience explains its consent, delivery, and scheduling gates before the customer can use that path.
Every recommendation includes the options we considered, the option(s) we recommend, and the reasoning. For new-coverage recommendations, the options are product/carrier combinations plus a "do nothing" or "buy elsewhere" alternative. For review-coverage recommendations, the options are Hold / Modify / Replace / Surrender.
Each option carries a commission line: first-year, ongoing-year, and lifetime, in dollars. When the options compare across products or across actions, the commission renders side by side in the same units. A Hold or "do nothing" option carries a $0 line. (Full operational detail at /our-promise Section 04.)
Options considered
| Option | 1st yr | Ongoing | Lifetime |
|---|---|---|---|
| Whole life · 20-Pay | $1,250 | $340 | $4,310 |
| Indexed UL | $2,180 | $520 | $7,840 |
| Term + invest | $185 | $40 | $465 |
| Do nothing | $0 | $0 | $0 |
Options analyzed
| Option | 1st yr | Ongoing | Lifetime |
|---|---|---|---|
| Hold (recommended) | $0 | $0 | $0 |
| Modify · PUA | $185 | $42 | $595 |
| Replace · 1035 | $1,420 | $310 | $4,520 |
| Surrender (no rollover) | $0 | $0 | $0 |
06 / Human review
The AI does the work. A licensed human signs off before anything leaves the building.
Every case enters a review queue once the recommendation is generated and before it's communicated to you. A named California-licensed compliance officer (and the licensed producers on the mnw team) read each case: the suitability analysis, the recommendation, the supporting math, the commission disclosure for each option, and the replacement-disclosure handling if it's a review-coverage case involving a 1035 exchange or replacement. Nothing reaches you (or the carrier, where applicable) until a real human approves it.
If something needs adjustment, a face amount that doesn't match income, a missed suitability question, a rider mix that doesn't fit, an analysis that under-weighted in-force dividend history, the reviewer calls or messages you. A substantive note from a real person who can explain what's happening.
Identity verification (KYC) runs in parallel through our identity-verification provider, AiPrise, where the case involves submission to a carrier. We set timing expectations from the live review and carrier queue rather than promising a hard public SLA.
07 / Next steps
Each motion has its own path from recommendation to outcome. Both paths share the audit trail and the licensed-human review.
If you decide to apply for one of the recommended products, the agent (or, on planned form/document paths, the licensed reviewer) confirms inputs, generates the carrier application, and sends you the e-signature link.
For most healthy applicants ages 18 to 50 at standard face amounts, the launch carrier's accelerated underwriting program may cover the case. Quick Check (in-home vitals and labs) is the fallback. Full medical underwriting (paramed, APS, possibly EKG) applies for older applicants, larger face amounts, or specific health factors; the carrier owns the timeline.
For an invited customer whose application clears the state, suitability, carrier, KYC, and compliance gates, the carrier owns issue and delivery. The applicable state-mandated free-look period begins on delivery. The policy contract is between the customer and the carrier; mnw is the agent of record.
For an invited customer whose authenticated review clears the applicable state and licensed-review gates, a Hold recommendation closes the case and carries a $0 commission line. An approved recommendation document may be delivered through the authenticated experience. The public waitlist does not promise delivery or schedule a follow-up review.
If the recommendation is Modify, the carrier-side change runs through the existing-policy modification flow at your carrier; we facilitate, the carrier executes. mnw earns commission only on rider additions where applicable; the document shows the dollar amount.
If the recommendation is Replace or Surrender, the replacement-disclosure framework triggers. The carrier's required state-specific replacement forms are generated, you sign, and the replacement (typically a 1035 exchange) is executed. The new policy issues from the destination carrier; the original carrier terminates the in-force policy per your authorization. mnw earns commission on the replacement; the dollar amount is on page 1 of the document, visible before you authorize.
08 / Timeline
This is the conditional order after invitation, not a public delivery schedule. Each non-waitlist stage requires authenticated cohort access and its named gates.
| When | New coverage | Review coverage |
|---|---|---|
| Public access | You join and confirm the waitlist. | You join and confirm the waitlist. |
| After invitation and voice gates | An opted-in authenticated cohort may be offered discovery intake. | An opted-in authenticated cohort may be offered a policy walkthrough. |
| Planned portal continuations | Form/document intake will route to the analyst when it ships. | Illustration upload will route to the analyst when it ships. |
| After complete intake | The analysis pipeline may draft a recommendation when product and review gates pass. | The analysis pipeline may draft a recommendation when document and review gates pass. |
| After a draft exists | Licensed-human approval is required before any recommendation is delivered. | Licensed-human approval is required before any recommendation is delivered. |
| After approved delivery | The invited customer decides whether to apply. | The invited customer decides what to do, or Hold closes the case. |
| After customer election | An application may proceed only after KYC, compliance, state, and carrier gates pass. | After the invited customer elects an action and state, licensed-review, carrier, and replacement gates pass, the applicable Modify / Replace / Surrender flow may begin. |
| Carrier underwriting | The carrier owns underwriting, issue, delivery, and timing. | The carrier owns any approved replacement or modification processing and timing. |
Joining the waitlist establishes no fulfillment timeline. Invitation, consent, state, licensed-review, product, document, and carrier evidence determine whether later stages occur.
09 / Ongoing
These invitation-only servicing paths may be offered after an issued or reviewed case and only when their state, carrier, consent, retention, and advisor-queue gates pass.
For invited customers with an issued, in-force policy, the authenticated service may schedule an annual review when state, servicing, consent, and advisor-queue gates pass. The public waitlist does not promise a call or review schedule.
Invited customers with an issued, in-force policy may request a beneficiary update through an authenticated servicing path when the relevant carrier and state gates pass.
Invited customers with an issued, in-force policy may request a loan walkthrough through the authenticated servicing path when state, carrier, consent, and advisor-queue gates pass.
For an invited customer with a completed authenticated review, an appropriate follow-up may be offered after retention, state, servicing, consent, and advisor-queue gates pass. The public waitlist does not schedule or promise a follow-up review.
10 / FAQ
11 / Next step
An invited advisor intake produces a real analysis. Planned upload and form continuations will feed the same pipeline when they ship. The recommendation comes back with the commission disclosed on every option.