No. We are a software platform. We do not sell, underwrite, or service insurance policies, and we are not a broker or a registered investment adviser. Everything in the platform is for tracking and education.
No. The calculators model scenarios using numbers you provide, and Wally explains concepts in plain language. Neither is a recommendation. Talk to a licensed professional before acting on anything you see here.
All of them. Policies are entered manually or imported from a carrier illustration, so there is no carrier integration to wait on.
A measure of how much monthly liquidity a debt consumes relative to its balance — the balance divided by the minimum payment. A low score means the debt is locking up a lot of cash flow for what it is worth, which makes it a strong payoff candidate.
It stays exportable. You can download your records before closing the account, and we do not sell or share your policy data.
A notice is only sent when a death is reported and confirmed through the platform. It is not automatic and it is not triggered by inactivity.
Policy records are access-controlled so that only you, and any administrator you explicitly authorise, can read them. We do not share data between accounts.
Only if you are explicitly assigned to that agent. There is no general agent access to policyholder data.