The PULSE Check Guide: A Smarter Way to Review Life Insurance Policies

Most life insurance policy reviews start the same way. Someone opens a carrier illustration.

That’s where it gets complicated.

Pages of assumptions. Projected values. Premium schedules. Policy costs. Tax implications. The information that matters most to the client conversation is in there somewhere. But finding it quickly and explaining it clearly are two different skills. And most illustrations don’t make either one easy.

That is why the PULSE Check Guide, created by Insurance Planner AI Professional, is such a valuable resource for advisors.

The guide offers a five-part conversation framework to help professionals move beyond the illustration and focus on the policy factors that deserve attention. PULSE stands for:

P — Premium Fit                                                                                                                                              

U — Upside Dependency                                                                                                                                       

L  — Longevity                                                                                                                                                        

S  — Surplus Ratio                                                                                                                                                

E  — Edge to MEC

Taken together, these five review points serve as a framework for advisors to assess the funding of a permanent life insurance policy, the potential sustainability of the policy, the extent of reliance on non-guaranteed assumptions, and whether there are any pivotal planning or tax considerations to be addressed.

The guide gives readers a clear pathway from review to action. The framework helps structure policy talks around four practical outcomes: retain, optimize, exchange or expand. This changes the review from responding to a dense illustration to helping the client understand what their policy is doing today and what conversation should happen next.

For advisors, BGAs, insurance professionals and anyone involved in policy review workflows, the PULSE Check Guide delivers a simple but powerful takeaway:

A better policy review is not simply more numbers reviewed. It’s about knowing what numbers make the right conversation. 

Download the PULSE Check Guide to see how five review points can turn a complex policy illustration into a clearer, more focused, and more valuable client discussion.