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) | Annual premium | Total lifetime premium | Cash value @ retirement | Remarks |
|---|
Total lifetime premium is calculated automatically from the annual premium and premium term.
Cash Value 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 |
|---|
Current investment portfolio
List each existing investment-linked plan the client holds today. These figures are used to calculate the nett loss if the plan is surrendered. This section is optional — it's only added to the exported PDF when at least one field is filled in.
| 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 |
|---|
Nett loss on surrender is calculated automatically: full surrender value − account value.
Recommended investment portfolio
List the recommended replacement plan(s) for the client's investment-linked plan(s). Total bonus is calculated automatically from the start-up bonus, year-1 campaign bonus and annual premium across 3 years.
| 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 |
|---|
Annual premium across 3 years and total bonus are calculated automatically. Annual premium across 3 years = monthly premium × 12 × 3. Total bonus = start-up bonus + year-1 campaign bonus + 17% of the annual premium across 3 years.
Recommendation notes
Use this to explain why the proposed changes were considered and any important trade-offs.
Insurance 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, combining insurance and investment (Part 2) figures into one summary.
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.
