Both products track whole life policies for Infinite Banking practitioners. The real difference is what happens at the end — we build for the beneficiary, they build for the practitioner.
| Whole Life Helper | Policy Stack | |
|---|---|---|
| Beneficiary notification & check-ins | Included — B.R.T. | Not offered |
| Promissory note generation | Generates the executable note | Tracks notes only |
| Debt reduction & Cash Flow Index | Included | Not offered |
| Agent matching for policyholders | Matched on stated need | Advisor directory |
| Unlimited policies | Included at one flat price | Paid tier |
| Free tier | No — free trial instead | Yes, single policy |
| Annual cost | $99/year full platform | ~$216/year Builder Pro |
Policy Stack has a genuinely free single-policy tier, bank-style statement PDFs, a capital-deployment planner, and a more developed product for advisors managing a book of clients. If you are a practitioner running an IBC practice rather than a policyholder managing your own family, they are worth a serious look.
Comparison compiled July 2026 from publicly published information. Competitor products change — verify current details with them directly.