How well was your policy designed?

How your policy was designed for the thing you bought it for. The scoring is a proprietary process, built by advisors with more than ten thousand hours in this single product and refined against the tens of thousands of policies we have examined. It weighs many things, such as how much of your first year turned into cash value, what year it is projected to break even, whether it has a paid up additions rider, the carrier behind it, its loan terms, its lapse ratio, its dividend record and its projected long-term return. What you tell us you bought it for decides how much each of those counts.

Because the same policy can be right for one job and wrong for another. If you bought it for a death benefit, the company that has to pay the claim in forty years carries most of the grade. If you bought it for cash you can use, the early design carries most of it. Grading both the same way would be the easy answer and the wrong one.

No. Every question is multiple choice and "not sure" is a real answer. If you do have your illustration, you can send it on the break even question and we will read it and fill in what we can, then show you exactly what we read so you can correct it.

This page never tells you to cancel anything. It gives you a grade and what it is made of. Whether to keep, fix, or cut a policy depends on your health, your taxes, and your timing, so that answer comes from a licensed advisor who has read your actual documents.

You get the full report on screen. If you want a person to read your real documents, you can send your statement or illustration from the same page and a licensed advisor reviews it free. We reach out within one business day.

Because we have examined tens of thousands of policies, we only do this, and we do it in public, so you can check the work before you ever speak to us. Caleb Guilliams has published more than 600 podcast episodes and over a thousand videos taking policy design apart line by line, all of it free to watch. We are licensed in all 50 states, and the guide this grade reads from is the same one our advisors use: A.M. Best and Comdex ratings quoted with the date they were published, dividend records, loan terms and lapse ratios. The page shows its working too. Under the number it breaks out every part, what each one scored, and how much of the grade it was. Some policies come back fine and we say so plainly. A review that always finds a problem is a sales script with extra steps.