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In-Force Policy Triage

Pick a line, answer a short set of questions about a client's existing life, disability, or long-term care policy, and get one of three verdicts: looks fine and leave it alone, worth a second look, or get this reviewed now. Each verdict comes with the reasons behind it and a checklist of what to pull for a real review. "Looks fine" is a real outcome, and plenty of triages should end exactly there. No login, and nothing you enter, including a client's name, leaves your browser.

Old policies do not fail loudly

A policy that was right on the day it was issued can quietly stop fitting the client without a single dramatic event. A term policy's level premium period ends on a fixed date, and the conversion window narrows as that date approaches whether or not anyone is watching. Universal life depends on ongoing funding, and a policy can look fine for years while the underlying cash value is declining, right up until a lapse warning shows up on the statement. A disability benefit was sized to an income from years ago, and if that income has grown, the share of it the benefit covers has been shrinking the whole time. A long-term care policy can arrive with a premium increase letter that carries real options and a real deadline attached to it.

None of this requires guessing at what a carrier will do next. Every one of these is a structural fact sitting in the policy schedule, the latest statement, or a letter already in the client's file. This tool asks about those facts directly and does not touch anything a carrier might do in the future.

How the triage works

A short set of questions per line, drawn from facts an advisor or client can check: the years left on a level period, whether a statement shows declining funding, whether an increase rider exists, whether inflation protection is compound, simple, or absent. Each answer either stays neutral or adds a reason at one of two levels, and the highest level reached sets the verdict. When you are not sure of an answer, the tool asks you to pull a specific document instead of guessing at a penalty. The most common result is the plain one, looks fine, leave it alone: nothing here flags a problem, keep the policy, note the next review date, and move on. That is what the tool is built to do.

The tool never tells you to act on a policy, only whether it deserves a closer look. A worth-a-second-look or get-this-reviewed-now verdict is where that real review starts, with the actual documents in hand.

Common questions

Is this advice?
No. It is an educational triage that sorts a policy into leave-it-alone, worth a second look, or get this reviewed now, and shows the reasons behind that call. It does not weigh a specific client's full situation. The decision belongs with the client and their advisor after a real review.
Will you tell me to move every policy to you?
No. A clean verdict is final. Most triages should come back leave it alone, and plenty of full reviews end the same way: keep the policy as it stands.
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 a policy comes back worth a second look or worse, send it over. We will tell you honestly when the right answer is to leave it alone. As of August 2026, reviewed quarterly.

How working with us goes