Backfill history opens one sheet holding everything recorded for a policy: premiums, PUA premiums, loans, repayments, loan interest, fees, and the loan balances printed on carrier statements. It is reachable from Premium Schedule, the Loans tab, the Ledger, and the Record menu, and it replaces entering each kind of history on its own screen.
Three Ways In
- Upload a document — Builder Pro reads carrier statements, transaction histories, and screenshots, several at a time, and fills the sheet in for you.
- Enter manually — type rows, or paste them from a spreadsheet in the order Date, Type, Amount.
- Edit history — change or remove rows already saved.
Rows read from a document arrive unchecked. That is deliberate: it gives you a chance to compare each row against the page it came from before it counts. A row the reader could not classify is flagged for a look rather than guessed at.
How the Loan Balance Is Worked Out
The balance counts up from the start of the recorded history, entry by entry. Each carrier statement is a checkpoint: when the running balance reaches a statement, it is set to the figure the carrier reported. The most recent statement therefore governs the balance shown today, and activity after it counts up from there.
Where the recorded entries do not add up to what a statement reported, the difference is recorded as its own entry, labelled as adjusted to that statement. It is visible in the history rather than folded silently into a number.
Adding a premium, loan, or repayment you had forgotten changes the history it belongs to. It does not move the balance your latest statement reports.
Two consequences follow from the same rule:
- A statement that reports a zero loan balance is a real figure. The loan is at zero and can be borrowed against again; it is not a missing reading.
- Premiums never change the loan balance. Base premium and PUA premium are recorded separately and both appear in premium history.
Preview, Apply, Undo
Preview shows what applying would do before anything is written: the balance the sheet works out, what each statement did not explain, and the running balance row by row. Nothing is saved until you choose Apply.
An applied batch can be undone. Undo reverses it by recording entries that cancel it out, so the record of what happened stays in the history rather than disappearing.
If someone else changes the policy while your preview is open, applying is refused and the sheet asks you to preview again, so a stale picture is never written.
Working With an Advisor
An advisor with an active connection and write access to your household can open the same sheet from their client workspace, and what they apply is attributed to them. An advisor without that access cannot open it.
Policy Stack records what you tell it about your policy. It does not contact your carrier or change anything the carrier holds.