ACCOUNT CLARITY
Know what you have.
See your balance, account details, and funds clearly from the start.
Modern Beneficiary Accounts
Modern technology
life insurers love
With our Willow platform, carriers replace paper-based retained asset accounts with digital beneficiary accounts, improving the beneficiary experience, reducing costs, and driving retention.
Legacy retained asset accounts leave carriers and beneficiaries navigating paper processes and deprecated systems during a difficult moment. Our Willow accounts replace that experience with a digitally native platform that drives retention, reduces costs, and supports compliance.
John Doe
•••• 8824
Willow
Apple Pay ready. Fast access to funds. Built to make things clearer.
WILLOW FOR BENEFICIARIES
Built for beneficiaries who need clarity and immediate access.
Willow gives families a modern digital account with fast access to funds and a simpler experience when it matters most.
CARD ACCESS
Use funds immediately.
Access funds right away with a physical or digital card, including Apple Pay provisioning.
DIGITAL-FIRST
A better way to receive funds.
No checkbook, no confusing paper process, and no unnecessary delay.
Willow For Carriers
A cleaner operation and stronger economics.
Ficus builds technology life insurers love. With Willow, carriers reduce servicing drag, improve beneficiary adoption, and turn a painful retained asset workflow into a differentiated product story.
Operations
Lower cost. Less complexity.
Replace paper-heavy workflows and manual servicing with a cleaner retained asset operation.
Service
Fewer calls. Faster resolution.
Digital access and clearer communication reduce confusion and call-center burden.
Growth
Higher adoption. Longer retention.
A better beneficiary experience drives stronger usage and keeps assets on platform longer.
Commercial
Better NPS. A real sales benefit.
Willow becomes a differentiated benefit carriers can promote in the sales cycle.
Built by a team from
Security And Trust
Secure by design.
Built for oversight.
Ficus is designed for carriers that need strong controls, careful implementation, and a beneficiary experience that reflects the seriousness of the moment.
AICPA
SOC2
In Progress
Security
256-bit
Encryption
Team
Industry
Veterans
Frequently Asked Questions
Common questions about Willow and Ficus.
Answers for carriers evaluating digital beneficiary accounts and retained asset account modernization.
Willow is Ficus's modern beneficiary account platform for life insurers, designed to replace paper-heavy retained asset account experiences with a simpler digital-first delivery model.
Request A Demo
See how you can modernize your retained asset accounts.
We'll walk you through the Willow experience and how we can replace your expensive, paper-heavy retained asset workflows.