Underwriting readiness checker
Turn a health history, occupation or activity into a focused list of dates, measurements and records.
- Best for
- Preparing before an application interview
- Output
- Printable evidence brief and questions
Life insurance tools built around the decision you need to make
These tools organize evidence, arithmetic and timing without collecting your answers or pretending to know an insurer's decision.
Choose the desk that matches the job in front of you. Every calculation shows its method and runs in your browser.
Choose a working desk
No lead form, approval score or carrier ranking is hidden behind the result.
Coverage evidence planner
Build a transparent needs worksheet from income support, debts, future obligations, existing assets and current coverage.
- Best for
- Explaining how a coverage amount was chosen
- Output
- Needs gap plus assumption ledger
Offer comparison desk
Compare two offers by annual dollars, flat-extra period, contract differences and cost per $100,000 of benefit.
- Best for
- Reviewing a rated offer beside an alternative
- Output
- Side-by-side cost and terms brief
Underwriting timeline builder
Order medical, work, activity and application events, then expose open loops that can delay a decision.
- Best for
- Complex histories and postponed applications
- Output
- Chronology and unresolved-item checklist
Term-length milestone planner
Place dependent, mortgage, retirement, education and business obligations on one protection timeline.
- Best for
- Choosing a defensible coverage duration
- Output
- Milestone bars and outer horizon
Beneficiary share checker
Check primary and contingent percentage totals without entering names or identifying information.
- Best for
- Auditing both payout paths
- Output
- Allocation and legal-review flags
Income replacement scenario builder
Model transition, dependent and later cash-flow gaps instead of multiplying gross salary by one number.
- Best for
- Households whose needs change over time
- Output
- Phased income bridge
Policy replacement checkpoint
Compare entered premiums and guarantees while tracking underwriting, surrender and contract-reset questions.
- Best for
- Reviewing before old coverage is canceled
- Output
- Financial comparison and unresolved risks
What makes these tools different
The method stays visible
Inputs, assumptions and arithmetic appear beside the result. You can decide whether the model fits your question.
The result stays bounded
A worksheet is not advice, an underwriting prediction or an insurer quote. Each tool states where its job ends.
Your entries stay local
The tools use browser-side code. THOUGH.you does not receive the values you enter into these forms.