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 PSR fields, simplified for practical data entry. Enter values in dollars.
| Purpose | Plan type | Policy / plan | Death | TPD | Critical illness | Early CI / other | Years remaining | Annual premium | Total lifetime premium | Premium paid to date | Surrender value | Cash value @ retirement |
|---|
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 | Years remaining | Annual premium | Total lifetime premium | Cash value @ retirement | Remarks |
|---|
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.
