Insurance Planner AI Professional Product Page
- Home
- Insurance Planner AI Professional Product Page
Insurance Planner AI Professional turns life insurance illustrations into structured, advisor-ready analysis — in minutes, not hours.
The platform is purpose-built for the life insurance in-force review workflow: the manual, time-intensive process of extracting data from carrier illustrations, calculating derived metrics, assessing risk factors, and producing advisor-ready review documentation. In field practice, an experienced life insurance specialist may spend 45–90 minutes on an initial illustration assessment and 2–4+ hours preparing a fully documented review, depending on product type, policy age, illustration quality, and complexity. Investment-focused advisors managing permanent life within broader wealth management practices may not have the specialized life insurance support needed to review complex UL, IUL, or VUL illustrations consistently.
Industry data underscores the scale of the problem. J.D. Power’s 2025 U.S. Individual Life Insurance Study found that 58% of life insurance relationships with the agents or advisors who sold the policy are classified as disengaged or transactional, including 43% with no agent or advisor interaction in more than three years. Only 19% of customers describe the relationship as trusted. When agents and advisors deliver this top-tier relationship experience, satisfaction rises to 795 — 253 points higher than among customers whose agents do not follow best practices.
Insurance Planner AI Professional addresses this gap with five purpose-built modules that cover the complete policy review lifecycle — from client engagement through fiduciary documentation.
Submit an in-force or new business life insurance illustration.
Provide context about the policy, client goals, or review purpose.
Generate visual insights, key findings, policy scoring, and a professional PDF report in minutes.
A branded, self-service experience that allows policyholders to upload their illustration and receive a simple Policy Health Score. Advisors receive structured intake signals, coaching notes, and a brief to support follow-up conversations.
Best for: annual reviews, dormant client outreach, and prospect qualification.
A detailed review of an existing policy’s illustrated performance, funding adequacy, cash value trajectory, riders, guarantees, and sustainability risks.
Best for: in-force policy reviews and advisor documentation.
Helps determine whether a policy still aligns with the client’s current goals, budget, needs, and planning priorities.
Best for: client review meetings and goal-alignment discussions.
Compares an in-force policy against a competing illustration using a neutral scorecard and visual comparison framework.
Best for: competing proposals, policy comparison discussions, and 1035 exchange analysis support.
Supports structured fiduciary documentation for trust-owned life insurance reviews, using trustee-oriented language and reports designed for trust files and committee discussions.
Best for: estate planning attorneys, CPAs, independent trustees, and TOLI review professionals.
Provides rapid reviews directly from carrier illustrations, without requiring carrier integrations or ongoing data feeds to begin.
Delivers comprehensive, multi-point policy health checks and illustrated value analysis in minutes from a single document upload.
Supports human advisors rather than replacing them, organizing policy evidence so professionals can focus on judgment, documentation, and client conversations.
Turns dormant policy outreach into active advisor opportunities through a branded, upstream client checkup experience.
Supports fiduciary review documentation for trust-owned life insurance, using trustee-oriented language, disclosed scope, and methodology-backed findings.
Protects client privacy by removing sensitive personal data in the browser before transmission.
Uses enterprise-grade infrastructure practices, including encryption, U.S.-based data residency configuration, and no AI model training on client data through commercial AI API providers.
Developed by a 30-year industry veteran with deep financial planning experience across multiple major wealth management institutions.
BGAs, IMOs, enterprise life distribution desks, and insurance distribution platforms
Life insurance carriers evaluating AI-powered policyholder engagement and distribution value tools
Estate planning attorneys, independent trustees, CPAs, tax professionals, and firms serving independent TOLI and fiduciary documentation use cases
RIA aggregators, PE-backed wealth platforms, and broker-dealers integrating life insurance review into comprehensive advisory workflows
Advisors and firms can experience the platform’s analysis quality through Public Evaluation Access at lifeinsuranceplanner-ai.com.
Upload an in-force illustration, receive a structured QuickScan overview or a 12-page Full Policy Review delivered by email in minutes.
Enterprise deployment includes branded PolicyCheckup workflows, team access, interactive dashboards, PDF reporting, and firm-level implementation support.
