Most people who own whole life insurance cannot answer three basic questions: what is my cash value today, what would a loan actually cost me, and does my family know this exists. This fixes all three.
Scroll to move through them. Click any card to see what that step actually does.
Enter them by hand or upload a carrier illustration and let the values populate. Any carrier, any number of policies — the price does not change.
The illustration extractor reads the year-by-year table off the PDF, so the projector has real carrier numbers in it rather than estimates you typed twice.
Total cash value, what is available to borrow against, outstanding loans, and portfolio leverage across every policy you own.
One dashboard for every contract, whoever sold it. Leverage is shown per policy and across the portfolio, because a healthy average can hide one policy in trouble.
Run a policy loan through the monthly or annual tracker. See the repayment schedule, the interest, and the lapse risk before you commit.
Long-Term Loan Strategy projects decades ahead against the carrier's own illustration, and labels every row by the age convention carriers actually use — end of policy year.
Find My Cash Flow ranks your debts by Cash Flow Index and shows which payoff frees the most monthly liquidity.
Cash Flow Index often disagrees with Avalanche. Paying the highest rate first is not always the payoff that gives you the most breathing room this month.
If you lend from your policy, generate a real promissory note with governing state, collateral and prepayment terms — not a handshake.
A note you can hand to an accountant. Governing state, interest, collateral, prepayment and default terms, generated as a document rather than remembered as a conversation.
Add beneficiaries and your professional contacts. B.R.T. keeps them current and notifies them when it matters.
Billions in benefits go unclaimed because nobody knew the policy existed. B.R.T. checks in on a schedule and, when it matters, notifies both your beneficiaries and your advisers.