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In-Force Policy Triage

Answer a short set of questions about an existing life, disability, or long-term care policy. The screen identifies review flags, explains which answers raised them, and lists documents to check. It cannot establish that a policy is adequate or that it should be changed. Everything runs in your browser; nothing you enter leaves it.

Review your own policy or help a client decide what to check next. You can contact us about the result. For life insurance, see the review process and starting records.

Request a policy review

What to check as a policy ages

An existing policy may need a review when the original need changes. For term life, check the level premium end date and any conversion deadline. For universal life, compare current funding and guarantees with the latest statement and, where useful, an in-force illustration. For disability coverage, compare the benefit with current income and other benefits. For long-term care, read any premium-increase notice and its response deadline.

The screen points to facts worth checking in those documents. It does not replace a review of the contract or the client’s circumstances.

How the triage works

Each line asks about facts an advisor or client can check, such as the remaining level premium period, policy funding, an increase rider, or inflation protection. Answers can add a review reason at one of two levels. The highest level reached sets the screening result. When an answer is uncertain, the tool identifies a document to pull.

A flag is a reason to look closer. It is not an instruction to replace the policy. A result with no flags means only that the selected answers did not trigger this screen’s review rules.

Common questions

Is this advice?
No. This is an educational screen that identifies review flags and documents to check. It does not evaluate the client’s full circumstances or establish that coverage is adequate. Decisions about keeping, changing, or replacing coverage require a review of the actual policy and needs.
Will you tell me to move every policy to you?
No. A review can end with keeping the policy as it stands. A screening flag starts a closer look; it does not establish a reason to replace coverage.
Is anything I enter stored?
No. The triage runs entirely in your browser. Nothing you enter is sent to a server, stored, or logged, and no client name is asked for anywhere.
What documents does a real review need?
It depends on what the triage flags, but the policy itself and the most recent annual statement cover most of it. Beyond that, the checklist is specific to the answer: a policy schedule page to confirm a level period end date, an in-force illustration to see how the funding is trending, or a rate increase letter to see the options attached to it. The tool tells you exactly which ones apply.
How is Aligned Path compensated?
By the carrier, when a policy is placed. Your firm pays us nothing, and there is no fee to you or your client for a triage or a review. Carrier compensation is a real conflict, so we manage it with a process: cases are shopped across the lineup for fit, options are presented in plain language, and the client decides on their own timeline.

If the screen raises a question, send the relevant policy documents for a review. Keeping existing coverage can be the right result. As of August 2026, reviewed quarterly.

Read the life insurance guide