Life Insurance Tools
Use the analysis tools to evaluate coverage, existing policies, and conversion opportunities. Then move into strategy modules when the planning objective involves accumulation, leverage, protection, legacy, or repositioning.
Life Insurance Calculators & Analysis
Core tools for determining coverage needs, evaluating existing contracts, and identifying planning opportunities.
Life Insurance Needs
Estimate personal coverage needs using income replacement, debt, mortgage, education, final expenses, existing assets, and current insurance.
Term Conversion Analysis
Evaluate a term policy's conversion window, available permanent coverage, current premium, conversion premium, and long-term carrying cost.
Existing Policy Analysis
Review policy type, premium, cash value, death benefit, guarantees, loan activity, performance, and potential restructuring considerations.
Coverage Gap Analysis
Compare current life insurance against estimated protection needs and identify potential overinsurance or underinsurance.
Policy Replacement / 1035 Analysis
Compare an existing contract with a proposed replacement while highlighting surrender values, guarantees, new contestability periods, costs, and exchange considerations.
Premium & Funding Comparison
Compare premium schedules and funding patterns across alternative policy designs, including life-pay, limited-pay, and higher-funded cash-value approaches.
Life Insurance Strategies
Planning modules for using life insurance as part of a broader protection, accumulation, retirement, or legacy strategy.
Hybrid Leveraged Insurance Estimator
Estimate a five-year client funding commitment, illustrative leveraged funding, potential policy-loan distributions, and legacy values.
Cash Value Accumulation
Evaluate the use of cash-value life insurance for long-term accumulation, liquidity, access, protection, and legacy objectives.
Retirement Income with Life Insurance
Explore life insurance as a supplemental retirement asset alongside qualified plans, IRAs, Social Security, and other income sources.
Legacy & Wealth Transfer
Examine life insurance for estate liquidity, inheritance equalization, wealth replacement, and multigenerational legacy planning.
Policy Rescue & Restructuring
Review options when an existing contract is underperforming, overfunded, underfunded, heavily loaned, or no longer aligned with the client's objectives.
Premium Strategy Planning
Compare alternative ways to fund coverage while preserving liquidity, managing premium commitments, and matching the policy to the planning objective.