Uploading Annual Statements

Upload Process in a Policy Workspace

Total CV and Net Cash Value

Extracted statements populate two cash value fields:

• Total CV — gross cash value before subtracting loans
• Net Cash Value — Total CV minus the outstanding loan balance (your accessible equity)

The identity Policy Stack uses everywhere is Total CV = Net Cash Value + Loan Balance. Carrier portals and statements vary in which value they show first: some lead with Total CV, some lead with Net Cash Value. The extraction reads whichever one your document presents and uses the loan balance to fill in the other side.

Net Cash Value in Policy Stack reflects the loan balance deduction only — it does not include surrender charges. If your statement labels a value "Cash Surrender Value" that appears lower than expected, it may reflect early-surrender charges rather than loans. In that case, use the "Net Cash Value" or "Total Cash Value" line from your statement.

Confidence Legend

After extraction, each field shows its confidence as a percentage, so you can see at a glance how clearly each value was read:

Fields below 70% that have no value must be addressed before saving.

Supported File Formats

• PDF — the primary supported format for annual statements
• Scanned documents may have lower extraction accuracy than digital PDFs

Multi-File Upload for a Single Snapshot

A single annual statement is sometimes spread across multiple pages or screenshots — Total CV on one page, the loan balance on another, Death Benefit on a third. The Add Snapshot dialog accepts multiple files in one go and merges them into a single extraction.

Choose Save snapshot after reviewing the values. If an attachment fails after the snapshot saves, the dialog says Snapshot saved and offers Retry attachments. Retry uploads only the failed source files; it does not save another snapshot. Closing at that point keeps the recorded values.

The Add Annual Statement dialog works the same way — stage several pages, page through them with the prev/next arrows, and extract once. Every file you upload is kept as its own document on the policy; the policy's Documents tab groups them under a single "Annual Statement" card by statement date, so you can reopen any individual page without the tab filling up with N identical-looking entries.

For multi-year history, you can run the same flow once per statement date — each saved snapshot adds a row to your timeline.

The policy's Documents tab combines policy files and files attached to its policy loans in one searchable list. Use the type filter to narrow the list. Where management is available, open a file's menu → Edit details to change its name or type; its original policy or loan attachment stays the same. Upload lets you choose the policy or a linked loan. Delegated document access remains read-only, and loan files still require the client's loan and document-sharing permissions. If a source cannot load, the tab shows the available files with a retry message.

Tips for Accurate Data

• Use digital PDFs when available — these produce more accurate extractions than scanned paper documents
• Check every extracted value — always verify extracted data against the original document before saving
• Record the statement date — use the date printed on the statement, not the date you upload it

Policy Stack is a tracking and visualization tool. It does not provide financial advice, recommendations, or opinions on what you should do with your banking system.

Policy Stack is independent of and is not affiliated with, sponsored by, or endorsed by Infinite Banking Concepts, LLC or the Nelson Nash Institute.