Policy Stack
DirectoryFor Advisors

Your whole life banking systemis already working.Can you see it?

You caught the strategy. Now you have the operating system — cash value, policy loans, capital deployments, and loan repayment in one purpose-built dashboard.

Free forever for one policy. No credit card required.

Managing a practice? See advisor pricing →

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See your entire banking system in one place.

Total cash value, available capital, policy loans, deployments, loan repayment, spread, and capital velocity — together in one purpose-built dashboard for your whole life banking system.

When your banking system grows, visibility matters

As your banking system grows — more policies, more PUAs, more loans and repayments, more capital in motion — activity scatters across carrier portals, statements, screenshots, notes, and memory. Policy Stack brings it into one system of record so you can see what your strategy is actually doing.

Every carrier supportedMulti-policy householdsLoans, repayments, deploymentsBuilt with practitioners
AES-256 EncryptionField-Level EncryptionTwo-Factor AuthRow-Level SecurityExport & Delete Anytime
“

If you understand what's really happening, you'll know what to do.

R. Nelson Nash

Pricing

Start free. Upgrade when you're ready.

Starter
$0
forever
  • 1 policy, unlimited loans
  • Manual Policy Snapshot updates onlyNo AI document extraction.
  • 5 deployments, 5 goals
  • Debt Sequencer
  • Promissory Note TrackerTrack notes receivable, payments, and amortization schedules.
  • AI Assistant for helpGet answers about Policy Stack and whole life banking concepts.
  • 250 MB document storage
  • Net Worth Tracker
  • AI Insights
  • Document extraction
  • Advanced analytics
  • Export
Recommended
Builder Pro
$18/mo billed annually
14-day free trial
  • Everything in Starter, plus:
  • Unlimited policies, loans, deployments
  • AI Assistant — full mode, unlimitedAsk questions about your policies. Strategize. Upload documents. Update data.
  • AI Insights — unlimitedPersonalized strategy analysis powered by AI.
  • Smart Document ExtractionUpload statements or carrier screenshots — values populate automatically.
  • Advanced Analytics
  • Debt Sequencer + strategic toolsDebt Sequencer and Income Stacker available now. More strategic tools launching soon.
  • CSV + PDF export
  • Shareable URLs for strategic tools
  • Partner collaboration
  • Unlimited storage

Join the waitlist — launching soon

We're putting the finishing touches on launch. Get notified the moment your tier opens.

Banker Pro · Coming soon

You lend the capital. We handle the collections.

Upload your note, invite your borrower, and set a repayment schedule. Banker Pro handles everything from there.

Automated ACH collection

Set a repayment schedule once. Payments pull automatically on the due date — no chasing, no checks.

Borrower portal

Your borrower sees their balance, upcoming payments, and full payment history in one place.

Late fees and reminders

Configurable grace periods, automatic late fees, and payment reminders sent on your behalf.

For Whole Life Professionals

Scale your practice. Delight your clients.

Give your clients Builder Pro from day one — more value, more reason to refer, more reason to stay. A CRM that speaks Whole Life. Scenario tools your clients can see. Pipeline tracking from first conversation to policy issued. Purpose-built practice infrastructure — not another generic CRM.

10–50+
Client seats per plan
30 days
Free trial on every plan
$25
Referral credit per client
Scale Your PracticeSee Advisor Pricing →

Start with a 30-day free trial. Plans from $49/month.

Policy Stack

Policy Stack helps whole life banking practitioners track, model, and manage their banking system with full clarity, integrity, and control.

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The Infinite Banking Concept® and Becoming Your Own Banker® are registered trademarks of Infinite Banking Concepts, LLC. Policy Stack is independent of and is not affiliated with, sponsored by, or endorsed by Infinite Banking Concepts, LLC or the Nelson Nash Institute. Policy Stack helps whole life banking practitioners track, model, and manage their banking system with full clarity, integrity, and control.

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