Open a policy from the Policy Portfolio to enter its Policy Workspace. The workspace keeps current position, contract structure, premium activity, capital events, loans, documents, and recorded history separated into six tabs.
Overview
Overview leads with the policy's Net CV, shown alongside a ring that visualizes Available CV as a share of Total CV. Below it, metric cards separate Total CV from In Use using the latest recorded snapshot, each with a small composition bar (Base vs. PUA, or In Use vs. Available). Supporting metrics include death benefit, scheduled annual premium, and loan-to-value context.
The editable policy ledger below holds contract facts such as Base and PUA premium, riders, dividend option, loan method, and limited-pay structure. Its premium schedule provides a compact summary without replacing the dedicated Premium Schedule tab.
Premium Schedule
Use Premium Schedule for:
- Planned annual Base and PUA amounts
- Calendar and schedule details
- Recorded premium-payment history
- Premium recording preference for Base and optional Planned PUA
- Manual Log premium entries
- Backfill history for older Base and PUA payments, entered by hand or pre-filled from a carrier statement or transaction history on Builder Pro
The saved policy schedule supplies premium amount, cadence, and dates. The recording preference determines whether Base, optional Planned PUA, both, or neither create pending records for confirmation. Base reminders remain available when recording is off. Policy Stack does not move money or change carrier autopay.
Statement upload fills a review grid first; it does not record a payment until Save history succeeds. Loan repayments, loan-funded activity, and other non-premium transactions are excluded from premium history. Review the extracted rows against the source because the document may cover only part of the policy's history.
Ledger
Ledger is the policy-scoped event history. It brings together recorded snapshots, premium payments, loan draws, loan repayments, dividends, and other policy capital events. Use it when the question is "what was recorded, and when?"
Loans
Loans shows the policy-loan timeline, current and repaid policy loans, draw history, and recorded repayments. Use the loan-specific actions for exact allocations; use the policy-level Log repayment flow when one payment spans multiple active loans.
Documents
Documents holds every file uploaded to this policy — spec pages, riders, annual statements, and other records. Search by filename, filter by document type, and sort by name, date, or size. Multi-file annual statements collapse into a single expandable row by statement date; open it to reach the individual pages.
Analytics
Analytics contains the recorded history behind the workspace:
- Policy snapshots and snapshot charts
- Annual statements
- Cash value and death benefit history
- Dividend history
- Loan-balance history
Add a snapshot or annual statement here to update the Actual policy position.
Beneficiaries
The Beneficiaries section records the designation shown in the carrier's policy records. Add, edit, or remove entries from the policy workspace. Each entry records:
- Beneficiary kind: Person, Trust, Entity (LLC, corporation, or partnership), Estate, or Charity
- Name as recorded
- Primary or Contingent designation
- Optional percentage allocation
For a Person, choose someone from the Family Coverage map to fill Name as recorded, or type a new name. The saved name remains a separate policy record; typing a beneficiary does not add a person to the map.
Policy Stack checks that the recorded percentages for Primary beneficiaries do not exceed 100% and separately checks the Contingent total. These entries document the carrier record; Policy Stack does not submit beneficiary changes to the carrier.
Recorded beneficiary names can appear in Documents → Survivor Guide when Include beneficiaries is enabled and Mask beneficiaries is disabled. The generated guide uses the beneficiary entries recorded on each policy.
Annual Policy Review
Choose Annual Policy Review from a policy workspace for a connected, read-only view of the policy identity, recorded premium activity, cash-value snapshots, and confirmed illustration rows. Recorded values keep their dates and remain separate from projected or modeled illustration values. Missing history, unreconciled printed components, and unavailable sources stay visible so the record is not filled with zeros. When the staged handoff is enabled, the review can open Debt Sequencer with the recorded opening values and confirmed illustration capacity stream; the tool asks for the loan rate explicitly before transferring the values.
Example Mode Tour
The example-data tour opens an example policy in its seeded Policy Workspace directly after the Banking dashboard, then finishes on Loans. The workspace keeps example records read-only, including the policy and its recorded loan activity, so exploring the tour does not change real policy or loan data. Premium Schedule, Ledger, Analytics, and the rest of the policy workspace remain available outside the three-stop guided sequence.
Header Actions
- Record opens Add Snapshot, Add Annual Statement, or Log Premium Deposit
- Edit changes policy details
- AI Brief opens policy-aware analysis
- Export provides the available policy reports and data exports
- More contains secondary actions such as deletion
On smaller screens, the same core actions remain available in the mobile action bar.