01 / New coverage
Tell us about your situation. Start with the AI advisor call today; form and document-upload continuations are planned for the authenticated portal. We analyze independently of what we'd earn and come back with a recommendation. The commission appears in dollars on every option. If the right answer is no transaction, we say so and we earn nothing.
02 / The service
mnw is a licensed insurance brokerage. We place insurance products from carriers on our shelf. We do not issue policies ourselves; the carrier you ultimately buy from underwrites and issues the policy. Our role is to figure out what fits your situation and to place it with the right carrier on the right terms.
Everything below is true whether you're buying a $250,000 term policy or a $5M premium-finance whole life. The analysis runs the same. The commission disclosure renders the same. The walk-away promise applies the same.
03 / Intake
The live Slice 3/4 path starts with a confirmed advisor call. Form and document-upload continuations are planned for the authenticated portal; when they ship, they will feed the same analysis pipeline.
A 20-minute voice conversation. The agent asks about your situation, your family, your income, what coverage you already have, and what you're trying to accomplish. Math-fluent. No script. You can interrupt, ask the agent to slow down, or ask for a human at any point.
A future structured intake form will cover the same ground as the conversation: situation, dependents, income, existing coverage, and goals. It belongs in the authenticated portal, where save-and-return can be tied to your case.
Future document upload will let you attach a prior carrier illustration, a quote from another agent, a financial-plan document from your RIA, or related material from the authenticated portal.
Start with the advisor call today. Talk to an advisor → opens the confirmed-call flow.
04 / Analysis
Once we have your information from any channel, the Analyzer agent runs. Two AI agents, not one. 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 what we'd earn on any option. (Full operational detail at /our-promise Section 02.)
The analysis looks at three things, in order:
First, suitability. Does insurance solve a problem you have? For some readers the honest answer is no, or not yet. We say so. If you're maxing your 401(k) and have term coverage adequate for your dependents' needs, the next dollar usually goes to a brokerage account, not to a permanent life policy.
Second, product fit. If insurance does solve a problem for you, which product class fits the problem: term, whole life, IUL, annuity? We compare across all the product classes that could serve you. If two product classes both fit, we say so and walk through the trade-offs.
Third, carrier and policy design. Within the product class we recommend, we compare across the carriers on our shelf. Same product class, different carriers, different riders, different premium structures. We pick the carrier and the design that fits your situation, and we tell you why.
The pipeline cannot see what we'd earn on any of these decisions. The audit log proves the separation on every case.
Rolling a 401(k) or IRA into an annuity? We do extra work. Most rollover pitches skip the part where someone names what you're giving up. We walk through it. What does staying put look like, leaving the money in your employer plan, or rolling to a regular IRA instead of an annuity? What are the fees, both inside the annuity and on the old plan? What protections does the employer plan have that you'd lose (cheaper share classes, creditor protection in some states, plan loans)? We document all of it, a licensed human reads the case, then a recommendation comes back to you.
05 / Recommendation
A recommendation, the reasoning, every option you considered, and the commission disclosure on every option.
The recommendation comes back as a structured document, delivered by email and walked through with you on the call. Planned form and document continuations will use the same recommendation document once those portal routes ship.
Every recommendation includes the products and carriers we considered, the products and carriers we recommend, and a "do nothing" or "wait" option where applicable. Each option has the commission to mnw rendered in dollars: first-year, ongoing-year, and lifetime. When two options serve you equally well and one pays us more, you'll see that before you decide.
If the right answer is "no transaction" or "buy term elsewhere and invest the difference," we say so. We log the case the same way we log a transacted case. We earn nothing on a "no transaction" recommendation. (Full detail at /our-promise Section 03.)
| Option | First yr | Ongoing/yr | Lifetime |
|---|---|---|---|
| Whole life · 20-Pay | $1,250 | $340 | $4,310 |
| Indexed UL | $2,180 | $520 | $7,840 |
| Term + invest the difference | $185 | $40 | $465 |
| Do nothing | $0 | $0 | $0 |
06 / Commission
When the recommendation includes a specific product, we render a carrier illustration for it. Every illustration we send you carries the page-1 commission disclosure block. The block shows our first-year compensation, our ongoing-year compensation, and our total lifetime compensation across the life of the policy, in dollars.
When the illustration compares multiple options (for example, a 20-pay whole life versus a pay-to-100 versus a term-and-invest-the-difference alternative), the commission block expands to show all of them side by side, in the same units. A "do nothing" or "buy term elsewhere" option carries a $0 commission line.
Industry standard is to bury commission disclosure in the back of the document or omit it entirely. We lead with it. (Full detail at /our-promise Section 04.)
07 / Products
Life insurance and annuities, both day one. We add carriers as they pass our shelf criteria.
Term life (10 to 40 year terms, the volume product). Whole life (10 / 15 / 20-Pay, Continuous Pay, Single Pay, Paid-up-at-100 variants). Indexed universal life (IUL), universal life (UL), guaranteed universal life (GUL). Final expense and simplified-issue whole life. Accidental death and children's policies.
Talk to an advisor about life coverage →Multi-year guaranteed annuities (MYGA). Fixed-indexed annuities (FIA). Single-premium immediate annuities (SPIA). Income annuities with guaranteed payouts. IRA rollovers into annuity contracts run through the rollover-documentation workflow described in Section 04.
Talk to an advisor about annuities →Carriers on the life shelf range from A- to A++. Carriers on the annuity shelf from A- to A+. We don't add a carrier we wouldn't recommend. Full state-by-state license display at /licensing.
08 / Whole life detail
Whole life is one product type on the life shelf, alongside term, IUL, UL, GUL, and final expense. We use it as the worked example here because the math is the most commonly misunderstood.
Whole life is permanent coverage with a defined premium, a guaranteed death benefit, and a guaranteed cash-value schedule. We default to a 20-pay structure (premium paid across 20 years, after which the policy continues compounding for life). The carriers on our whole-life shelf are A-rated or better, mutual or stock, with multi-decade dividend histories where dividends apply.
Most readers who buy whole life buy it for the cash value. The death benefit is secondary, the math is why. The category argument lives in long form at /writing-on-long-term-insurance.
Eligibility
Underwriting path
Want to walk through a sample illustration? Talk to an advisor → The agent pulls a real one during the call, tailored to your age, health class, and target face amount.
09 / Frequently asked
Do I have to do the voice call?
For the current public flow, yes: start with the advisor call after email confirmation. Form and document-upload continuations are planned for the authenticated portal and will reach the same analysis pipeline when they ship.
What if my situation doesn't fit any of your products?
We say so and we earn nothing. The recommendation may be "buy term elsewhere," "max your 401(k) first," "wait three years," or "do nothing." The full walk-away promise lives at /our-promise Section 03.
How long does buying actually take?
Conversation to recommendation: same day. Recommendation to application: same day if you want to act immediately, longer if you want to think. Application to issued policy: 24 to 72 hours for accelerated underwriting cases, 2 to 4 weeks for full medical workup. Full timeline at /how-it-works.
Can I see the commission disclosure before I commit to anything?
Yes. The commission disclosure renders on page 1 of every illustration we send you, and the illustration arrives before the application starts. You see what we'd earn before you decide whether to apply.
What if the recommendation isn't what I expected?
Ask. The agent walks through the reasoning column by column. If you want a second opinion, you can ask to be connected with a licensed human producer at any point, or you can take the recommendation document to your RIA or CPA. We're not in a hurry.
What carriers are on your shelf?
One A-rated mutual carrier at launch. Additional carriers are on the onboarding roadmap; the public list at /licensing is the authoritative source. We don't add a carrier we wouldn't recommend.
10 / Next step
Start with the advisor call today. Planned form and document-upload continuations will route to the same analysis pipeline when they ship. The commission is on page 1 of every illustration. The walk-away promise applies on every case.