Track what you can deploy across every policy, see exactly what to do each period, and never miss the deadlines that quietly cost you money.
Consolidate cash value across every whole life policy you own — any insurance company, any number of policies — so the number you act on is the right one.
Every whole life policy you own, consolidated into one total.
When a statement lands, allocate the new balance across categories you define — real estate, vehicle replacement, private lending, emergency reserves. Each one works like an envelope: money inside is earmarked; everything else stays free to deploy.
Each category earmarks part of your cash value for a future use.
Every choice you record turns into a plain checklist of what to send your insurance company this period — grouped by policy, ready to submit the next time you contact them.
Everything to submit next time you contact your insurance company, grouped by policy.
Every loan locks in its full repayment plan at origination — not months later when memory has faded.
Three loans, three strategies — each strategy reshapes the metadata that follows.
Policy loans accrue interest every day. Miss the policy anniversary and that interest capitalizes — it rolls into your loan balance for good, quietly shrinking what you can borrow. The tool counts down to the deadline and shows the interest waiting to be paid.
Pay before the anniversary or it capitalizes into your balance.
The deadline and the dollar amount, before interest silently joins your principal.
Each policy year you can fund only so much in Paid-Up Additions, and unused room is gone at the anniversary. The pace gauge tracks what you've paid against where you should be by today, and warns you the moment you fall behind.
Room resets at the anniversary and doesn't carry over. About $3,100 now brings you back to today's pace.
Paid against on-pace-for-today — the tick marks where you should be right now.
Log the payments you made and capture each new snapshot. The delta is reconciled against what was predicted — principal, interest, cash value growth.
Predicted numbers, reconciled against what the statement actually showed.
Start from your latest annual statement.
Free during early access — every feature, no credit card.
Set up once. Then a short review each time a statement lands.
Enter the basics from your last annual statement — cash value, Paid-Up Additions limit, open loans.
When a new statement lands, capture it and allocate the growth across categories.
Take loans with their strategy, repayment source, and Paid-Up Additions reallocation captured upfront.
Send the Paid-Up Additions and repayment amounts the tool calculates. Switchback handled automatically.
We're building alongside the first wave of practitioners. Your feedback shapes the tool.
Every feature, free, while we're in early access — in exchange, we'd like to hear what's working and what's missing.
Free during early access.