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.
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.
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 |
|---|
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.
Outcomes of Optimization
The summary below compares current and proposed coverage, annual commitments and projected retirement values using the assumptions entered in this tool.
Outcome of Optimization
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.
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). Enter the total start-up bonus and projected values directly.
Total start-up bonus is entered manually. Projected values should reflect the plan's value at the end of its full premium term.
Investment Summary of the recommended changes
Highlights the change between the current and recommended investment-linked plan(s): monthly premium, switch costs/bonuses and projected value.
A clearer picture of your investment-linked plan switch.
The summary below compares current and recommended investment-linked plans, switch costs/bonuses and projected values using the assumptions entered in this tool.
