Client & review assumptions
These details appear in the client PDF and drive the investment projection.
If the lump sum field is left blank, the tool assumes the current surrender value entered in the portfolio is released and reinvested. Override it if only part of the portfolio is being changed.
Current insurance & savings portfolio
Based on the original portfolio review fields, simplified for practical data entry. Enter values in dollars.
| Purpose | Plan type | Policy / plan | Death | TPD | Critical illness | Early CI / other | Premium term (yrs) | Years remaining | Annual premium | Total lifetime premium | Premium paid to date | Remaining premium to pay | Surrender value | Cash value @ retirement |
|---|
Total lifetime premium, premium paid to date and remaining premium to pay are calculated automatically from the annual premium, premium term and years remaining.
Proposed insurance & savings portfolio
Use the same coverage fields so the client can see the change clearly. Projected retirement value can include policy values plus reinvested savings.
| Purpose | Plan type | Policy / plan | Death | TPD | Critical illness | Early CI / other | Premium term (yrs) | Years remaining | Annual premium | Total lifetime premium | Cash value @ retirement | Remarks |
|---|
Total lifetime premium is calculated automatically from the annual premium and premium term.
Summary of the recommended changes
This is intentionally the strongest part of the tool: it translates plan changes into protection, premium and projected retirement outcomes at a glance.
A clearer view of what changes — and why it matters.
The summary below compares current and proposed coverage, annual commitments and projected retirement values using the assumptions entered in this tool.
Protection: current vs proposed
Financial impact
Investment projection
The projection reinvests any lump sum released plus the yearly difference between current and proposed premiums, while respecting each plan’s remaining premium term.
| Age | Current premiums | Proposed premiums | Invested difference | Projected balance |
|---|
Recommendation notes
Use this to explain why the proposed changes were considered and any important trade-offs.
Investment optimization
Compare an existing investment-linked plan against up to two recommended replacement plans. This section is optional — it's only added to the exported PDF when at least one field below is filled in.
Current plan(s)
| Plan name | Monthly premium | Premium term (yrs) | Years remaining | Account value | Max withdrawal value | Full surrender value | Projected value @4% | Projected value @8% | Nett loss on surrender |
|---|
Recommended plan(s)
| Plan name | Monthly premium | New premium term (yrs) | Annual premium across 3 yrs | Start-up bonus (2 yrs) | Yr 1 campaign bonus | Projected value @4% | Projected value @8% | Total bonus |
|---|
Nett loss on surrender and total bonus are calculated automatically. Nett loss = full surrender value − account value. Total bonus = start-up bonus + year-1 campaign bonus + 17% of the annual premium across 3 years.
