Structured Policy Intelligence.
At Scale.

Give policyholders a quick, branded checkup they can do on their own — and turn it into an advisor conversation.

• ✓Branded consumer microsite
  Policyholders upload their illustration and answer three intake questions. Your firm's brand throughout — logo, colors, and custom URL.
• ✓Scored results for the client
  Policy Health Score, four-pillar breakdown, and three story cards: What's Working, What to Watch, and Questions to Discuss.
• ✓Lead alert with advisor brief
  Advisor receives an email within minutes containing client intake signals, coaching notes, and a 5-page PDF brief with structured talking points.
• ✓Client signal intelligence
  Three intake questions capture feeling, intent, and urgency — coaching notes connect those signals to specific policy findings.
• ✓Lead generation at field scale
  Deploy as an annual review campaign, a dormant client outreach tool, or a prospect qualification funnel — one link, unlimited conversations.

What is happening inside this policy — and what should the advisor know?

• ✓Policy Health Score with four scored pillars
  Premium Strength, Coverage Longevity, Cash Value Growth, and Policy Stability — scored and benchmarked.
• ✓Funding adequacy and premium recovery
  Required vs. illustrated funding, lapse risk visibility, and premium sustainability assessment.
• ✓Cash value trajectory and growth rates
  10-year projection table with year-over-year analysis and surrender value accessibility.
• ✓Guarantees, riders, and risk factors
  No-lapse provisions, living benefits, loan mechanics, and sensitivity to non-guaranteed elements.
• ✓Structured next steps
  Two clear paths — If You Keep and If You Explore — with data-specific discussion points referencing actual policy values.

Does this policy still fit what the client needs today?

• ✓Goal-by-goal alignment assessment
  Each client priority mapped to an alignment rating — Aligned, Partially Aligned, Blocked, or Constrained — with rationale.
• ✓Five planning paths
  Maintain Current Structure, Optimize Current Policy, Explore Alternatives, Review Feasibility, or Preserve Existing Benefits — assigned based on how the policy fits stated goals today.
• ✓Strengths and areas needing attention
  What's working well with preservation guidance, and what deserves attention with monitoring priorities.
• ✓Structured intake captures current priorities
  12 guided questions covering objectives, budget comfort, health status, and directional intent — no narrative text required.
• ✓Clear next steps for both directions
  Two paths — If You Keep and If You Explore — with numbered, data-specific discussion points.

What are the material differences between two policies — and what are the real tradeoffs?

• ✓Six-dimension neutral scorecard
  Protection Strength, Death Benefit Efficiency, Guarantee Mechanism, Living Benefits, Premium Cost, and Cash Value Growth — scored without declaring a winner.
• ✓Visual comparison charts
  Premium comparison, cash value trajectory, cumulative premium outlay, and guarantee timeline — all print-safe.
• ✓1035 exchange economics
  Future outlay framing, sunk cost recognition, and transfer amount context — built in when a replacement scenario is detected.
• ✓Key observations with implication statements
  Dimension-by-dimension findings that connect to the client's stated priorities, not generic analysis.
• ✓Advisor discussion guide
  What each policy is designed to do, key questions, and a structured meeting agenda — ready for the client conversation.

Does this policy still serve the trust's purpose?

• ✓Trustee language by design
  Structured findings and considerations written for independent trust professionals outside the institutional channel. CPAs, estate planning attorneys, independent trustees, and small-practice trust professionals can review, discuss, and file.
• ✓Seven-question trust context intake
  Seven plain-language questions about the trust's purpose, obligation period, funding, encumbrances, and governance. Every finding in the report is written against the trust's specific context.
• ✓Coverage duration analysis
  Compares guaranteed coverage to the trust's stated need and SSA 2022 life expectancy. Shows any gap in years with sourced, reproducible numbers.
• ✓Written for the trust's governance model
  Report language adapts to who holds decision authority — discretionary trustees, directed parties, or external consultants.
• ✓A relationship asset for your professional network
  Offer TOLIReview to the CPAs, estate planning attorneys, and independent trustees you work with. Stay positioned as the trusted insurance advisor when policy changes come up.