01 / Our promise
Three commitments. Each one costs us something. We've built mnw around all three.
02 / Promise one
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: Analyzer to Placement. 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.
This matters most where the industry fails worst: between products that pay very different commissions. Term pays the agent roughly 1 to 5 percent of premium. Permanent pays 50 to 100 percent. A simple whole life policy pays differently than a complex indexed product. A multi-year guaranteed annuity pays differently than a variable annuity with riders. The pattern is the same when we evaluate a policy you already own: hold pays us nothing, replace pays us a full first-year commission, and a recommendation built on commission would always lean toward replace.
Across the industry, recommendations drift toward whatever pays the agent most.
At mnw the recommendation comes first. The commercial implications come second. The two agents don't speak to each other until the analysis is done.
The separation is enforced in the architecture, not on the honor system. Every cross-boundary read attempt from Placement toward Analyzer is blocked at the system level and audited. We'll show you the audit trail for your case on request. AI is what makes this work at scale: a human-only agency can't make this commitment because the same producer holds both sides.
Architecture · recommendation and placement, separated
03 / Promise two
If you come to us wanting permanent insurance and the honest answer is term plus a brokerage account, we'll say so.
If you're being pitched an IUL elsewhere and the analysis says you don't need one, we'll tell you.
If you're thinking about an annuity and the right move is to wait three years, we'll tell you.
If you're considering replacing a policy that's already doing its job, we'll tell you to keep it. If we recommend keeping it, we earn nothing on that case.
If you don't need what you came in for, we'll tell you that too.
This is the part that costs us money.
It is also the part that makes the rest of this page mean anything. An agency that won't walk away from a case it shouldn't write is selling principles as marketing. We are designed to walk away. We built the business to make walking away economically survivable. We would rather earn less and be trustworthy than earn more and be the same as everyone else.
04 / Promise three
Every illustration, quote, and recommendation we send you shows our commission, in dollars, on the first page.
Every option we present, whether you're buying new, modifying existing coverage, replacing something in force, or doing nothing, includes what mnw earns under that option. If we recommend a term policy, you'll see what we make. If we recommend whole life, an IUL, or an annuity, you'll see what we make on each, and how those numbers compare.
If two products serve you equally well and one pays us more, you'll know which one before you decide.
If we recommend keeping what you already have, we earn nothing. We'll tell you that too.
Illustration template · sample figures
mnw commission disclosure · all options
| Option | First year | Years 2 – 10 | Lifetime |
|---|---|---|---|
| Whole life · 20-pay recommended | $1,250 | $340 / yr | $4,310 |
| IUL · max-funded | $2,180 | $220 / yr | $4,160 |
| Term · 20-yr level | $215 | $0 | $215 |
| Keep current policy | $0 | $0 | $0 |
Sample figures · actual commission varies by carrier, product, face amount, and rate class · lifetime values are forward-looking estimates and may differ from realized commission · disclosed on page 1 of every illustration we send
05 / In practice
The promise is only as real as the operational details. Here are ours.
A commission disclosure on page 1, in dollars, showing mnw's first-year compensation, ongoing compensation, and total compensation across the lifetime of the product. When we present multiple options, the disclosure shows the comparison across all of them, side by side, in the same units.
Our recommendation, hold, modify, replace, or surrender, along with our reasoning, what we would earn under each course of action, and an explicit statement of what we would earn if you do nothing. The "do nothing" number is always there. It is usually zero.
We will tell you, and we will explain why. We log the case the same way we log a transacted case, so the operational record reflects what we told you.
Our analysts and producers are compensated on quality, persistency, and recommendation integrity. They are not paid on commission volume. They are not paid more for placing one product over another. We hire people whose professional identity is built on getting the answer right.
We serve clients who want advice they can trust. Specifically: people who want to know what they're buying, what it costs, and what we make from selling it.
06 / Why we can do this
mnw was built from the inside out by people who understand the economics of insurance and annuities from the carrier side. We know which products create value for the people who own them and which ones extract value from them. That difference is not theoretical for us. It is balance-sheet arithmetic we have spent careers working through.
We use AI to make honest analysis economically viable at a price and scale the industry has not matched. A licensed human reviewer is in the loop on every case. The AI is what makes it cost-effective to do the analysis right on a $250,000 term applicant or on an existing $400,000 in-force whole life policy, not only on a $5 million premium-finance case.
We are operator-funded. We do not have growth-at-all-costs pressure pushing us toward the bad version of this business. We chose to design the agency this way from the first day.
The operational constraints that make these promises real are built into how mnw works. They are not bolted on as marketing.
07 / Closing
If you've been burned by the industry, or never trusted it, we built mnw for you.
The three promises on this page are the product. The voice agent, the planned form intake, the planned upload-your-illustration path, the analysis pipeline, the illustration template, the audit log: those are how the product gets delivered. If any one of them is broken, the promise is broken. We hold ourselves to that standard, and we have built mnw so other people can hold us to it too.
Talk to an advisor. We will tell you what we earn before we tell you what we recommend.