Family Network links a Family Coverage map between two separate Policy Stack households — for example, two generations of the same family, each tracking their own policies. It is a Builder Pro capability that extends the read-only tracking of Family Coverage across a household boundary; it does not merge accounts, billing, or records.
What Is Shared
A link shares the following from the granting household's Family Coverage map:
- Everyone on the family map — their names, how they are related to each other, their birthdays and sex, whether they are living, and their photos.
- In-force death benefit on each person's policies, counting only policies that are currently in force, with the date each value was last updated.
- Beneficiary designations on each policy — Primary or Contingent, their share, and whether each is a person, trust, charity, estate or business — including beneficiaries who are not themselves on the map.
What Stays Private
Cash value, on every policy, is never shared. Policy loans, repayments, and balances stay private, as do snapshot history, premiums, and payment records, and every document and upload. A linked record is view-only: the receiving household cannot edit anything on the map it was shared, and cannot record a loan, snapshot, or update on the other household's behalf.
Connecting Both Ways
Each link runs one way, and an invite can set up both at once. With Shared both ways on, which is the default, sending the invite is your agreement to share your map back. When they choose Connect our families, both maps are shared at the same moment, with nothing more for you to approve. With it off, the invite only asks for their map.