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.
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.
Total cash value, what is available to borrow against, outstanding loans, and portfolio leverage across every policy you own.
Run a policy loan through the monthly or annual tracker. See the repayment schedule, the interest, and the lapse risk before you commit.
Find My Cash Flow ranks your debts by Cash Flow Index and shows which payoff frees the most monthly liquidity.
If you lend from your policy, generate a real promissory note with governing state, collateral and prepayment terms — not a handshake.
Add beneficiaries and your professional contacts. B.R.T. keeps them current and notifies them when it matters.