Insurance Planner AI

AI-powered life insurance illustration analysis for financial advisors

Document Management Startup Bootstrapped

Overview

Insurance Planner AI Professional is a document analysis platform for financial advisors, wealth firms, and fiduciary professionals working with life insurance policies. The platform automates the review of carrier-issued life insurance illustrations, converting uploaded policy documents into structured assessments that advisors can share directly with clients.

The platform includes five modules covering the full policy review lifecycle: PolicyCheckup for client self-service engagement, PolicyReview for detailed single-policy analysis, PolicyMatch for goal alignment evaluation, PolicyCompare for side-by-side policy comparison, and TOLIReview for trust-owned life insurance fiduciary documentation. Each module produces advisor-ready PDF reports with policy health scoring, funding adequacy assessments, and lapse risk indicators. An emerging estate planning product, Estate Align AI, is in trial. The platform operates on a zero-knowledge security architecture -- personally identifiable information is stripped in the browser before transmission -- and holds SOC 2 Type 2 and ISO 27001 certifications.

The company was founded by Robert Chwalk, a financial services professional with 30 years of experience at UBS, Merrill Lynch, and Fidelity Investments. Insurance Planner AI Professional joined the InsurTech Express (ITX) ecosystem in May 2026, expanding distribution through BGAs, IMOs, RIAs, and advisory firms.

Products & Services

PolicyReview

Single-policy diagnostic analysis that evaluates life insurance policy health across four scored pillars: Premium Strength, Coverage Longevity, Cash Value Growth, and Policy Stability. Provides 10-year cash value projections with year-over-year analysis, funding adequacy assessment, and lapse risk evaluation.

Key Features

Policy Health Score across four weighted pillars
10-year cash value projection with year-over-year breakdown
12-page PDF report with visual dashboards

Target Users: Financial advisors, RIAs, independent agents

PolicyCheckup

Client-facing engagement tool delivered as a branded microsite enabling policyholders to perform self-service policy assessment and share findings with their advisor.

Key Features

Branded microsite for advisor client engagement
Client-driven self-assessment workflow
Signals and findings shared directly to advisor

Target Users: Financial advisors seeking client engagement tools

PolicyMatch

Goal alignment analysis that maps client priorities such as wealth preservation, income replacement, and estate tax reduction to policy fit.

Key Features

Goal-to-policy alignment scoring
Coverage suitability assessment
Structured findings report

Target Users: Financial planners, wealth advisors

PolicyCompare

Side-by-side comparison of two life insurance policies across six dimensions including policy strength, funding, cost-effectiveness, and 1035 exchange suitability.

Key Features

Six-dimension comparative scoring
1035 exchange suitability evaluation
Structured comparison report

Target Users: Advisors evaluating policy replacements

TOLIReview

Specialized fiduciary review for trust-owned life insurance, including trustee-specific documentation language for professional and independent trustees.

Key Features

Fiduciary documentation for trust-owned policies
Trustee-specific report language
Compliance-ready assessment output

Target Users: Estate planning attorneys, independent trustees, professional trustees, CPAs

Estate Align AI

Emerging product in trial offering automated estate planning analysis.

Key Features

Automated estate planning document analysis
Free trial available

Target Users: Estate planning professionals

At a Glance

Founded: 2024
Headquarters: United States
Employees: 1-10
Funding: Bootstrapped

Category & Focus

Category: Document Management
Subcategories: Policy illustration analysis AI document parsing fiduciary documentation
Insurance Verticals: Life & Annuity
Target Customers: Agents/Agencies, Brokers, MGAs/MGUs