From Illustration to Insight — In Minutes
Upload an in-force life insurance illustration and receive a complete analysis in minutes. There's no software to install, no integrations to configure, and no complex workflows to learn.
Insurance Planner AI Professional uses purpose-built AI agents to analyze the illustration, structure policy data, and generate a complete analysis — delivered directly to your secure dashboard and client-ready reports.
- No back-office integrations required
- No manual modeling or spreadsheet work
- Consistent outputs across policies, carriers, and advisors
Built for professional advisory and insurance organizations — including RIAs, MGAs, and BGAs — and designed to support both advisor- and home-office workflows.
One Platform. Three Ways to Understand a Policy.
A complete workflow for reviewing, evaluating, and comparing life insurance policies — built for how advisors actually work.
PolicyReview™
Single-Policy Diagnostic
What does this policy include — and how is it actually performing?
- ✓Policy structure & coverage basics
Carrier, product design, death benefit, riders, and guarantees — clearly summarized. - ✓Cash value trajectory & sustainability
How values are projected to grow, where pressure points emerge, and why. - ✓Premium funding & safety margins
Required vs illustrated funding, durability of coverage, and lapse risk visibility. - ✓Loan provisions & cost dynamics
Loan availability, spreads, and how borrowing impacts long-term performance. - ✓Stress testing & key risks
Guaranteed vs illustrated outcomes, downside scenarios, and monitoring priorities.
PolicyMatch™
Goal Alignment Analysis
Does this policy still fit what the client needs today?
- ✓Goal-by-goal fit assessment
How current coverage aligns with stated priorities — and where it doesn't. - ✓Five-path planning outcome
Maintain, Optimize, Explore, Replace, or Preserve — framed as guidance, not directives. - ✓Strengths & concerns surfaced
What's working well, what deserves attention, and why it matters. - ✓Benchmark context
How this policy compares to typical industry ranges and alternatives. - ✓Clear next-step options
Practical planning paths to support informed advisor-led decisions.
PolicyCompare™
Comparative Analysis
What are the material differences between two policies — and when does each fit?
- ✓Side-by-side structural comparison
Guarantees, funding patterns, benefits, and policy mechanics aligned for clarity. - ✓Trade-off scoring across key dimensions
Cost, certainty, flexibility, efficiency, and risk — evaluated consistently. - ✓Threshold & timing insights
Where outcomes diverge based on age, funding, or performance assumptions. - ✓Use-case guidance
When each policy is more appropriate — based on planning objectives. - ✓Client-ready discussion framework
Clear talking points to support confident, well-documented conversations.
A consistent, client-ready framework for understanding policies — built to support better conversations, not just faster analysis.
Two Deliverables Per Analysis
Every analysis produces both an interactive dashboard and a professional PDF report.
Interactive Dashboard
Web-based analysis center with section-by-section navigation. Review findings, explore details, and prepare for client conversations — all in one authenticated workspace.
Professional PDF Report
Comprehensive written analysis ready for client meetings, compliance files, or internal review. Embed your firm logo and required disclosures. Download and share as needed.
Common Applications
Replace ad-hoc policy reviews with a consistent, repeatable approach across your practice.
| Scenario | Before | After |
|---|---|---|
| Annual Reviews | Review only clients who call | Review 100% of book systematically |
| First Meetings | 90 minutes scrambling | 5-minute prep, confident presentation |
| Competing Proposals | Opinion-based response | Side-by-side documented comparison |
| Sales Presentations | 40-page carrier illustration | Clear talking points, professional analysis |
| TOLI Reviews | Liability exposure | Audit-ready fiduciary documentation |
| Team Training | 12–18 months to proficiency | Consistent methodology in weeks |
Zero-Knowledge Architecture
Client PII never reaches our systems.
Names, Social Security numbers, dates of birth, and addresses are removed in your browser before transmission. Our systems analyze only de-identified policy data.
Not encryption. Structural exclusion.
| Hosting | SOC 2 Type 2, ISO 27001 |
| Database | SOC 2 Type 2, HIPAA Compliant |
| AI Processing | SOC 2 |
| Encryption | AES-256 at rest, TLS 1.3 in transit |
| Data Residency | 100% US-based |
See It in Action
30-minute demo with real policy analysis, actual reports, and workflow integration.
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Questions? rpc@financialplanner-ai.com