Policy Stack vs. Truth Concepts: Features, Pricing, and Use Cases

If you’re an IBC practitioner or a serious policyholder evaluating tools, Truth Concepts publicly describes a Windows-based calculator suite for financial professionals, with tools for analysis, client education, and presentations.

Policy Stack is a different kind of tool — but the difference isn’t as simple as “calculator vs. tracker.” Policy Stack is primarily an operating system for recording policies, loans, assets, and activity, with five live modeled tools and additional tools clearly marked preview or coming soon. The products overlap in parts of scenario modeling, but their documented primary jobs differ.

This page compares documented features, public pricing, and platform requirements as of August 3, 2026. For a broader comparison that includes Excel, VestmentPulse, and generic tools, see our complete IBC software roundup.

This comparison applies whether you practice Infinite Banking (IBC), Bank on Yourself, or any variation of using whole life insurance as a personal banking system — the underlying policy mechanics and tracking needs are the same.

The Short Version

Truth Concepts documents financial calculators, scenario storage, client education, and presentation workflows on Windows.

Policy Stack documents ongoing policy and loan records, client-facing dashboards, five live modeled tools, a CRM, pipeline, and practice analytics.

Using both: The products can coexist when a practice wants the calculator and presentation workflows documented by Truth Concepts alongside the ongoing record and practice workflows documented by Policy Stack.

Truth Concepts Deep Dive

Truth Concepts is a desktop calculator suite created by Todd Langford and available to financial professionals for more than twenty years.

What it does exceptionally well

Truth Concepts documents comparative financial analysis across multiple modeled strategies, including cost-of-money and interest-rate scenarios. Its public materials position the output for client education and presentations.

For whole life banking practitioners, the documented workflow supports explaining concepts and comparing modeled assumptions during a client conversation. Modeled output is not a carrier illustration or a record of policy performance.

What it doesn’t do

The reviewed public Truth Concepts pages emphasize calculators, saved scenarios, and presentations. They do not document an ongoing policy-record dashboard. Product capabilities can change, so confirm any required workflow with the vendor.

The current system requirements specify Windows desktop. The vendor also documents training and a 30-day trial.

Documented audience: Financial professionals using calculator, education, and client-presentation workflows.

Policy Stack Deep Dive

Policy Stack centers on records and workflows after policies are in force while also providing modeled tools. It combines a personal banking dashboard and professional practice tools under one login, with an explicit context switch between them.

Scenario calculators and presentation mode

Policy Stack currently has five live modeled tools: Policy Loan Repayment Modeler, Human Life Value, Debt Sequencer, Income Stacker, and Financing Modeler. Additional tools remain marked preview or coming soon. Modeled surfaces label their assumptions and data source.

This is where the overlap with Truth Concepts lives. Both tools can model IBC scenarios. Truth Concepts scenarios are built from assumptions and hypothetical inputs. Supported Policy Stack scenarios can use recorded client inputs such as cash value and loan balances while keeping the resulting output labeled as modeled rather than recorded.

AI-powered insights

Policy Stack can generate structured modeled summaries and surface assumptions for review. These outputs are educational and organizational; they are not financial advice.

Ongoing policy tracking

Policy Stack records policy data over time, including cash value, dividends, loan balances, and comparisons with illustration values. Recorded, projected, and modeled values remain distinct.

For a deep dive on capital velocity — what it is, how to calculate it, and why it matters — see our complete guide to tracking capital velocity and policy loans.

Built-in CRM and practice management

Policy Stack includes a purpose-built CRM for IBC practitioners — client list, client view mode (read-only access to linked clients’ policies and loans), notes, reminders, and on all paid advisor tiers, a full sales pipeline with Kanban view, custom stages, and deal-to-client conversion. It’s not trying to replace AgencyBloc for commission tracking or compliance — it’s a CRM designed around the IBC client relationship, from prospect through multi-decade policyholder.

Practice Health dashboard

Practice Health summarizes average client engagement, client retention, pipeline conversion, and client-count trends across the practice.

Client-facing and family access

Client-facing and family access is built in. Clients log into Policy Stack and see their banking system performing. Practitioners see the same data plus professional tools. Family members who will eventually operate the banking system get appropriate visibility. For more on how Policy Stack complements your existing CRM, see our CRM comparison and our practitioner tech stack guide.

Documented audience: Policyholders recording a whole life banking system and practitioners managing ongoing client and practice records.

Workflow Fit

Truth Concepts documents:

• Presenting the IBC concept to a brand-new prospect who hasn’t bought a policy yet
• Running comparative analysis — whole life vs. 401(k), cost of money, opportunity cost
• Creating the initial compelling illustration that shows long-term compounding effects
• Doing deep financial math that requires Truth Concepts’ specific calculation engine

Policy Stack documents:

• Running supported scenario calculators with recorded client policy inputs and explicitly labeled Modeled outputs
• Tracking ongoing policy performance across a client’s portfolio
• Recording active policy loans with modeled interest accrual
• Presenting supported modeled scenarios in client meetings with live parameter adjustment
• Managing your client relationships (CRM, notes, pipeline)
• Giving clients a self-service dashboard for their recorded policy data
• Reviewing practice engagement, retention, pipeline conversion, and client-count trends

Where both may appear in one workflow:

• You’re a practitioner who needs deep comparative illustration for prospects (Truth Concepts) and a complete operating platform for existing clients (Policy Stack). The products cover different documented stages and data sources.
• A practice uses Truth Concepts calculator and presentation workflows alongside Policy Stack recorded-data and practice-management workflows.

Where they overlap

Both products can model IBC scenarios. Truth Concepts works from user-supplied assumptions. Supported Policy Stack scenarios can use recorded inputs from a linked client’s Policy Stack records. In both products, the resulting output remains modeled rather than recorded.

The architect uses blueprints to design the building. The building manager uses a control system to operate it — but a good building manager also has the ability to model renovations. For a broader tool-category comparison, see our practitioner tech stack guide. For how Policy Stack’s CRM compares to insurance-specific CRMs, see our CRM comparison.

About This Comparison

This page was created by the Policy Stack team. Truth Concepts product facts were checked against the vendor's public product, pricing, trial, and system-requirement pages. Policy Stack facts were checked against the live product and pricing page.

If you believe any information is inaccurate or outdated, contact us.

Public product facts verified July 12, 2026; Policy Stack review updated August 3, 2026.