The operating system for whole life banking practices
Placing the policy was step one.
Your clients bought the strategy. Policy Stack is the shared layer where you both see what the banking system is actually doing — policies, loans, repayments, deployed capital — long after the paperwork is signed.
30 days free. Every paid tier includes Builder Pro for your personal use.
Practitioners building on Policy Stack
Jonah Dew & Jeremiah Dew
NNI Authorized Infinite Banking Practitioners
Shawn King · Author of From Regular to Rich
NNI Authorized Infinite Banking Practitioners
How it works
Three steps to run your practice on Policy Stack.
Chapter 01 · Start of day.
See the practice you built. Know who needs you next.
Your Home opens on the size of your book, then shows which households need you today, how much of the book is connected and current, and the rhythm of recorded touchpoints.
96
households under care, with three client actions one glance below.
Good morning, Daniel · Monday, July 20
312 lives covered$84.2M death benefit placed▲ 19 households this year
Today
3 need youSignalsSarah Chen
Birthday May 4
Marcus Whitmore
Conversion window opening · Last touched 12d
Priya Patel
Policy anniversary approaching · Last touched 38d
Practice Depth
What share of your book has a living banking picture — recorded, not estimated.
Connected
74 of 96
77% · 5 connected this quarter
Reviewed this year
68 of 96
71% · 28 without a current annual statement
Capital in motion
$3.1M
41 households with tracked loans or assets
▲ $420K recorded this quarter
Client Contact
11 weeks in a row
Pipeline
$482,000
14 open · 3 deals 30+ days in stage Estimated
Placed this year
19
19 policies across 14 households
Chapter 02 · Deals in motion.
Your whole book at a glance.
Every deal in motion — by stage, by premium, by days in flight — with the ones that have stalled flagged before they go cold. Win rate, average days to close, and the next action queued on each card.
68%
win rate · 12d average to close, tracked without a spreadsheet.
Pipeline
Your whole book
Open Deals
12
Pipeline Value
$180.0k
Win Rate
68%
Avg Days to Close
12d
Lead
3$21.5k
Marcus Whitmore
$9,200 / yr
Anita Reyes
$4,800 / yr
Garrett Tao
$7,500 / yr
Consultation
2$22.2k
Sofia Garcia
$14,000 / yr
Jeremy Mathews
$8,200 / yr
Illustration
2$28.3k
Priya Patel
$22,500 / yr
Denise Harris
$5,800 / yr
Application
1$18.4k
Cole Whitaker
$18,400 / yr
Underwriting
0$0.0k
Chapter 03 · Shared visibility.
Everything that happens after the signature.
Once clients begin funding PUAs, taking policy loans, deploying capital, and recording loan repayments, most of that activity lives in carrier portals, annual statements, and the client’s own memory. Policy Stack gives you a shared operational layer for it — visible to both of you. Your relationship doesn’t end at placement either.
Paste your meeting notes and Smart Paste pulls out the touchpoint, the follow-ups, and the small client facts you’d lose to memory.
Sofia Garcia
Linked Mar 2024 · 2 policies · Full read
Banking activity
Net CV
Available CV
Premium anniversary in 18 days
MassMutual WL-2022-002199 · $4,800 ACH on Jun 22
Total CV
$142,800
Across 2 policies
Death Benefit
$850,000
2 policies
In Use
$18,000
1 active loan
Capital at Work
$42,000
1 deployment
Spread
3.2%
Weighted
LTV
12.6%
Loan / CV
Policies
View all 2Penn Mutual
Whole Life · WL-2024-001847
$96,400
MassMutual
Whole Life · WL-2022-002199
$46,400
Same Banking view your client uses — read-only from the advisor side, scoped by sharing consent.
Twelve households or two hundred — it all tracks.
Practitioner validation
Built alongside the practitioners who teach this.
I thought my spreadsheet was enough… until I saw Policy Stack. I was wrong. This is hands down the best system I’ve ever seen for implementing Infinite Banking. Game over.
Jonah DewNNI Authorized Infinite Banking PractitionerThe Cash CompoundI tell every client the same thing — owning the policy is step one. Using it well is the work that pays them for the rest of their life. Policy Stack is the first tool I’ve seen that actually shows my clients what their banking system is doing, not just what it’s worth.
Shawn KingNNI Authorized Infinite Banking PractitionerLegacy Life & Retirement · Author of From Regular to RichPolicy Stack is the biggest thing I’ve ever seen in Infinite Banking. Period.
Jeremiah DewNNI Authorized Infinite Banking PractitionerThe Cash CompoundPolicy Stack was inspired by R. Nelson Nash’s Infinite Banking Concept® and works in every corner of the software to stay true to his teachings and principles:
- Think Long-Range
- Don’t Be Afraid to Capitalize
- Don’t Steal the Peas
- Don’t Do Business with Banks
- Rethink Your Thinking
We hold the software to standards of integrity, service, and Nash-aligned practice. Policy Stack does not model or support indexed universal life — only the policies the concept was built on.
Your clients' policy activity scatters across carrier portals, annual statements, and memory. Policy Stack is the shared system of record that keeps you both looking at the same thing.
Practice tools
Everything the practice runs on.
Practitioner directory
Be found by clients ready to use their policy.
Your listing — photo, credentials, practice focus, and the reviews clients have already left. Inbound prospects who already understand whole life banking.
One login, two systems
Your practice and your own banking system.
Every advisor account includes a full Builder Pro personal workspace. Run your own banking system in the same tool you use to serve clients.
Smart Paste
Paste your shorthand or an AI transcript. Policy Stack pulls out the touchpoint, the follow-ups, and the client facts you would otherwise lose.
AI Prep Brief
A written brief before a client meeting, drawn from their recorded values and your touchpoint history.
Practice analytics
Engagement scoring, practice health, smart lists, and workflows across your full book.
Banker Pro
You lend the capital, Policy Stack handles collections — ACH, a borrower portal, late fees and reminders.
Coming soonInvest in your practice
Every plan keeps you connected after placement with a living client workspace — a durable second brain for every policy and banking system.
Client-controlled read/write banking-system access · AI Prep Briefs · Smart Paste + Smart Query · scenario builders + calculators
Your practice, your tools
- Connected client workspaces after placement
- Client-controlled read/write banking-system access
- AI Prep Brief (5/mo), Smart Paste & Smart Query
- CRM, pipeline, analytics & workflows
- Scenario building, calculators & modeling tools
- Unlimited AI Insights
- Personal Builder Pro included
- Standard directory listing
Serve your clients
Save $150/mo vs. separate plans
- 10 Builder Pro client seats
- Branded client-facing exports
- AI Advisor Prep Brief — unlimited
- Standard directory listing
- Add client seats for $15/seat/mo
Grow your practice
Save $375/mo vs. separate plans
- 25 Builder Pro client seats
- Branded client-facing exports
- AI Advisor Prep Brief — unlimited
- Featured directory listing
- Add client seats for $15/seat/mo
Scale with confidence
Save $850/mo vs. separate plans
- 50 Builder Pro client seats
- Branded client-facing exports
- AI Advisor Prep Brief — unlimited
- Featured directory listing
- Add client seats for $15/seat/mo
Enterprise
More than 50 clients under management? Custom seat counts, dedicated onboarding, SLA, and volume pricing for your practice or firm.
Built to support the advisor relationship
Built to support the advisor relationship, not replace it.
Policy Stack is not a replacement for an advisor, practitioner, or policy designer. It is an operational platform that helps clients better understand, track, and engage with the strategy their advisor helped them build — making the relationship more visible, not less necessary.
Frequently Asked Questions
Rethink your practice.
Think long range.
Your clients deserve the operating system.
Give your clients an operating system for the strategy you helped them build. Builder Pro from day one, a shared layer for policy data, and the post-placement visibility their banking system deserves.