Preload Policies for a Prospect
When a prospect's policies are already in force but they have not created a Policy Stack account yet, you can stage those policies as drafts on their contact profile. The drafts double as your own working reference for the relationship, and when the prospect later signs up, they can accept the whole set into their account with one click.
This capability is available to every practice. Open the Policies card on a not-connected contact's profile to stage drafts.
Where Drafts Live
Open a contact who is not connected to Policy Stack and open the Banking tab on their profile. The pre-stage workspace links to the same Policies card used elsewhere on the profile. For a prospect, entering a policy here creates a claimable draft.
Everything you enter is encrypted at rest and visible only inside your practice (your agency's active members, where applicable). Nothing appears in any client account — drafts stay entirely on your side until the client explicitly accepts them.
Set Up and Complete a Draft
- Upload contract — from an empty Policies card, drop in the policy contract PDF. Policy Stack creates the draft, then AI extraction fills its carrier, policy number, insured, owner, dates, riders, and premium structure for your review.
- Set up a policy — create the draft manually through the same policy wizard used elsewhere in Policy Stack.
- Add statement — once the draft exists, upload an annual statement to extract current cash value, loan balance, and death benefit as a dated statement snapshot.
The card shows each draft's full detail — carrier, policy number, insured and owner, base death benefit, premium and frequency, issue date and anniversary — plus the latest statement values and any uploaded documents. A readiness chip tracks whether the draft has everything a claim needs — carrier, policy number, issue date, and base death benefit — and prompts for a statement when current values are missing.
When a draft has a complete anniversary month and day, that anniversary also appears on the advisor calendar. Archived and transferred drafts no longer create future anniversary events.
What the Prospect Sees Later
When the prospect creates a Policy Stack account with a verified email, their Home shows a card: "[Your name] set up N policies for you." Amounts are shown rounded until they accept. They choose:
- Accept & populate my account — the exact policy details, statement history, and any draft-linked documents are copied into their account, and you are connected with read/write access (which they can change at any time).
- Just connect — the connection is made without adding any policy data.
- Not now — nothing happens; they can connect later from Settings → Connections.
The card is only offered when the account matches exactly one of your contacts, the account has no policies of its own yet, and the prospect had a prior signal that you work together (for example, a seat or connection invite, or they named you during onboarding). Otherwise they see a plain connect prompt with no policy data.
After the Claim
Accepted drafts are marked transferred, the contact moves from prospect to active client, and the contact profile hands off to the connected-client view of their live banking system. The draft's encrypted copy is cleared by a scheduled cleanup once the transfer completes — the client's account now holds the single source of truth.
A client on the Starter tier keeps one policy active after accepting; additional policies arrive locked and unlock on Builder Pro. The data is preserved either way.
Drafts for a prospect who never joins simply remain on the contact profile as your working reference for the life of the contact.