Both apps work by automatically transferring cash from a checking to a savings account throughout the month. (fortune.com)
A policyholder replacing a policy while it is still within the surrender period has to pay the fee to transfer the cash value from one policy to another. (investopedia.com)
Overall the benefits are much greater, and whatever costs there might be, like for example the flexibility of transferring cash to other people, those just cause new innovation. (canadianbusiness.com)