These are different tools for different people. Truth Concepts is professional modelling software sold to advisors. Whole Life Helper is built for the person who owns the policy.
| Whole Life Helper | Truth Concepts | |
|---|---|---|
| Built for | Policyholders and their families | Financial professionals |
| Access | Web, any device | Desktop software |
| Ongoing policy tracking | Yes — live ledger | No — point-in-time modelling |
| Beneficiary protection | Included — B.R.T. | Not offered |
| Training required | None | Multi-day training typical |
| Annual cost | $99/year | ~$1,520/year plus setup |
Truth Concepts is far deeper at comparative financial modelling — cost-of-money analysis, whole life against alternatives, and the presentation work that makes the case for a policy in the first place. If you are an advisor building illustrations for prospects, that is a different job and they do it better.
Comparison compiled July 2026 from publicly published information. Competitor products change — verify current details with them directly.