01 / How it works
Buying new coverage or reviewing what you already own runs through the same three steps: intake, analysis, recommendation. The current public intake starts with a confirmed advisor call; form and document-upload continuations are planned for 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 and are recorded. 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 starts with the advisor call. Planned 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).
On voice, the AI agent leads a 20-minute 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
Avg current intake time · advisor call 18 to 22 min · planned form/upload timing pending
04 / Step 02 · Analysis
The recommendation pipeline cannot read from the commission database. The audit log proves it on every case.
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 audit trail for your case is available to you on request.
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 audit log proves the separation on every case.
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 arrives as a structured document, delivered by email and walked through with you. In the current flow, the AI agent walks you through it on the call. Planned form and document-upload continuations will deliver the document in the portal and offer a follow-up appointment when those routes ship.
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 don't sit on the case waiting; both processes typically finish within 24 hours of the case being opened.
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 covers the case: no paramed exam, 24 to 72 hours to decision. 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; 2 to 4 weeks to decision.
Once the carrier approves, the policy issues, we notify you, and the state-mandated free-look period (10 to 30 days depending on your state) begins on delivery. The policy contract is between you and the carrier; mnw is the agent of record.
If the recommendation is Hold, the case closes. We log the case, we send you the recommendation document for your records, and we schedule a follow-up review (default: policy year 10, or earlier if your situation changes). mnw earns nothing on the case.
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
Both motions on the same axis. The new-coverage track in brand red. The review-coverage track in slate. Shared markers, divergent durations.
| When | New coverage | Review coverage |
|---|---|---|
| Minute 0 | You start the intake with the advisor call. | You start the intake with the advisor call. |
| Minutes 0 to 25 (voice) | Discovery and initial analysis during the call. | Initial policy walkthrough during the call. |
| Planned portal continuations | Form/document intake will route to the analyst when it ships. | Illustration upload will route to the analyst when it ships. |
| Day 0 to 1 | Analysis pipeline runs. Recommendation drafted. | Analysis pipeline runs. Recommendation drafted. |
| Day 1 to 2 | Licensed-human review; you receive the recommendation. | Licensed-human review; you receive the recommendation. |
| Day 1+ | You decide whether to apply. | You decide what to do (or Hold and the case closes). |
| Day 1 to 3 (apply / replace) | Application complete; e-signed. KYC and compliance review. | Modify / Replace / Surrender flow begins. Replacement-disclosure forms if applicable. |
| Days 3 to 14 (Accel) Weeks 2 to 4 (Full med) | Carrier underwriting. Policy issued and delivered. | Replacement processing. Modify / Replace / Surrender executed. Or case closed at Hold. |
Most healthy applicants under 50 take the accelerated underwriting path on new coverage. Review-coverage cases close in 3 to 5 business days on Hold or Modify; Replace and Surrender take longer because the destination carrier (and sometimes the source carrier) own parts of the timeline.
09 / Ongoing
For new policies: annual reviews, beneficiary updates, policy-loan walkthroughs, carrier servicing. For Hold cases: a scheduled follow-up review.
We call you each year, walk through in-force performance versus the original illustration, surface anything worth knowing (a rider that should be added, a 1035 opportunity, a loan that should be repaid). 20 minutes, no pressure.
Change beneficiaries anytime through a voice call or a form on your account. We coordinate with the carrier.
When you want to borrow against your cash value, we walk you through the math: outstanding interest, impact on death benefit, repayment options, before you draw.
If your most recent recommendation was Hold, we schedule a follow-up review at policy year 10 (or earlier if your situation changes). We keep the file. If something material changes, we tell you.
10 / FAQ
11 / Next step
A 20-minute advisor intake gets you 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.