Open a policy from the Policy Portfolio to enter its Policy Workspace. The workspace keeps current position, contract structure, premium activity, capital events, loans, and recorded history separated into five tabs.
Overview
Overview leads with the policy's Net CV and separates Total CV from In Use using the latest recorded snapshot. 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 and timeline provide a compact summary without replacing the dedicated tabs.
Premium Schedule
Use Premium Schedule for:
- Planned annual Base and PUA amounts
- Calendar and schedule details
- Recorded premium-payment history
- Auto Log schedules
- Manual Log premium entries
Auto Log creates a record when a scheduled premium becomes due and asks for confirmation. It does not move money or change carrier autopay.
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.
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.
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.