Insurance Tools
Tools for your own insurance decisions or client meetings, free and ungated. Each runs entirely in your browser: no login, and nothing you enter is stored, not even a client's name. Use them as often as you like, whether or not a case ever reaches us.
Care costs and funding scenarios
Long-Term Care Funding Planner
Adjust care costs, income, savings, and optional insurance benefits. Explore a funding scenario and download the assumptions alongside the result.
Open the toolLife insurance rate class
Underwriting Fit Preview
Use a short health questionnaire to explore illustrative underwriting considerations and questions to discuss with a broker. The carrier determines eligibility and rate class.
Open the toolGroup LTD, after taxes and caps
Disability Income Gap Calculator
Estimate a group LTD benefit using the pay definition, cap, and tax assumptions you enter. Compare the result with income needs; actual benefits, offsets, and individual coverage eligibility require review.
Open the toolExisting life, DI, or LTC policies
In-Force Policy Triage
Answer questions about an existing life, disability, or long-term care policy. See review flags and documents to check. The screen does not establish policy adequacy.
Open the toolLiability limits and attachment gaps
Umbrella Adequacy Screener
Review a sizing benchmark and household exposures. Identify questions to confirm against the umbrella and underlying policies; the screen cannot establish an adequate limit or an attachment gap.
Open the toolIf there is a calculation you keep doing by hand for clients, tell us and we may build it next.