Questions, answered honestly.

mnw is a U.S. life-insurance brokerage. We're the honest broker for life insurance and annuities, with two motions: buying new coverage and reviewing what you already own. Made possible by AI. The legal entity is Meanwhile Agency LLC; NPN 22184706. Built by the team behind Meanwhile.

Two things. We help people buy new coverage. We review existing policies. Same broker, two pipelines. Both motions disclose commission on every option, including a $0 line on Hold or No transaction. Full detail at /our-promise.

Meanwhile is a Bermuda-domiciled life carrier issuing Bitcoin-denominated whole life. mnw and Meanwhile share engineering, compliance, and operating discipline. Separate legal entities, different products. More at meanwhile.com ↗ and on our /about page.

Delaware-organized U.S. agency. Registered agent address at 1209 Orange Street, Wilmington, DE 19801. We operate remotely; the staff is distributed across the U.S.

mnw is 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 day one. See /our-promise Section 06.

An AI agent runs the analysis pipeline. The pipeline is architecturally separated from the commission database, so the analyst cannot see what mnw would earn on any reviewed recommendation. Launch evidence for that boundary is tracked before the claim is promoted. A licensed human reviews every case before it goes to the carrier. Most traditional agencies cannot offer that separation because the same producer holds both sides.

The authoritative source is /licensing. We're approved in 41 jurisdictions, with 7 more where the named producer is licensed but the agency is not yet approved. Each jurisdiction's license number, resident-producer designation, and any DBAs in effect render there.

Start by joining and confirming the public waitlist. Call, form, and document-upload continuations remain invitation-only in the authenticated portal. Join the waitlist →

No call is available through the public waitlist. If you are invited, the invitation will explain the intake options available to that cohort.

The launch shelf is published only after carrier appointments, product availability, and suitability evidence are checked. Until then, the public flow is a confirmed waitlist with no product, portal, or call access.

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.

We avoid hard recommendation or underwriting deadlines until the licensed review queue and carrier paths have measured proof. Joining the waitlist does not start an application or establish a delivery timeline.

After an invitation admits you to an authenticated review and the applicable state and licensed-review gates pass, mnw does not charge for the conversation, analysis, or recommendation, and you are under no obligation to apply. Joining the waitlist does not start or guarantee a review.

If an invited, authenticated review produces an approved recommendation artifact, you may take as long as you need and share it with an RIA or CPA. Joining the waitlist does not promise an artifact or follow-up schedule.

An invited customer whose authenticated review, state, and carrier gates pass receives the commission disclosure with any illustration before an application starts. The public waitlist does not provide or promise an illustration.

For an invited customer admitted to an authenticated review after the applicable state and licensed-review gates pass, mnw does not charge for the agent conversation, analysis, or recommendation document. mnw is paid by the carrier as commission when a policy issues. Joining the waitlist does not start or guarantee a review.

It depends on the product, your age, health, and target face amount. Pre-review AI output is labeled as an estimate or simulation with assumptions. A true carrier illustration is a reviewed artifact and shows our commission on page 1, in dollars.

The carrier pays mnw a commission when a policy issues. The carrier commission is paid out of the same premium dollars in any agent's transaction; our customer promise is that the commission is disclosed before you decide. mnw earns nothing on a verified Hold or do-nothing outcome. The full commitment lives at /our-promise.

An invited customer whose authenticated review, state, and carrier gates pass receives our commission disclosure with any illustration before deciding whether to apply. Every available option carries the same disclosure side by side. The public waitlist does not provide or promise an illustration. See /our-promise.

For an invited customer admitted to an authenticated review after the applicable state and licensed-review gates pass, the recommendation may be to keep what you own or walk away from buying. An approved comparison includes the do-nothing or Hold option with a $0 commission line. Joining the waitlist does not start or guarantee a review. /our-promise lays out the full commitment.

We run two separate 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. Every cross-boundary read attempt from Placement toward Analyzer is blocked at the system level and audited. AI is what makes this possible. Full detail at /our-promise.

For whole life: no. The premium is fixed when the policy issues and stays the same for the premium-paying period. For term: no during the level period; yes at renewal. For UL and IUL: it depends on the contract and in-force performance. Invited customers may review those terms when their authenticated cohort experience makes that service available.

A policy loan lets you borrow against the cash value in your whole life or UL policy at a contract-defined interest rate. Outstanding loans accrue interest and reduce both cash value and death benefit. Excessive loans can lapse the policy and trigger tax. Invited customers may request a walkthrough through an authenticated servicing path when state, carrier, and advisor-queue gates pass.

After the agent's disclosure and separate affirmative in-call consent, the rest of a call is recorded and transcribed for compliance review and required carrier audit trails. Recordings, transcripts, and case data are stored encrypted at rest and accessed only by mnw staff and carriers on a need-to-know basis. Full detail at /privacy.

Encrypted in transit and at rest. Identity verification through our provider AiPrise, Inc. Access logging and restricted access on case data. The full data-handling spec is at /privacy.

We record and transcribe conversations to provide the service, support compliance review, maintain records required by law, perform quality assurance, and improve the service as described in the Privacy Policy. We do not use voiceprints to identify you today; voice characteristics can still be regulated biometric information in some states, and any biometric use would require the notices and consent required by law. Full detail at /privacy Section 3.4.

mnw staff on your case (the AI agent on your call, the analyst, the licensed reviewer). The carrier you ultimately buy from (if a policy issues). Our identity-verification provider (AiPrise) for KYC. No other parties; we do not sell or rent your data. Full vendor list at /privacy.

Tell us first: /contact or write to compliance@mnw.agency. We route complaints through the documented compliance path. You can also file with your state insurance department; we'll provide the filing address on request. mnw is regulated by the insurance regulator in each of our 41 approved jurisdictions.