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 What to Do.
• ✓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 action items 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, Optimize, Explore Options, Replace, or Preserve — 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 action items.

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 the way a trust committee reviews policies. CPAs, attorneys, and trustees can accept and file without compliance worries.
• ✓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, attorneys, and trustees you work with. Stay positioned as the trusted insurance advisor when policy changes come up.