# Protection sized against the client's own plan

Size life insurance and income needs against the client's own plan, compare annuity quotes and carrier illustrations, and track each application and service request from start to finish. The agent works from the same facts as the client's advisor and tax preparer.

## Capital needs from the real plan
Size life insurance capital needs against the client's own saved plan, not a rule of thumb. The analysis uses the household's income, debts, goals and existing coverage, and shows how much protection closes the gap. Change a fact, such as a new child or a larger mortgage, and see the need move. The inputs and assumptions stay with the result, so it reopens without starting over.

## An income floor the client can count on
Find the income a household needs to cover essential spending in retirement, whatever markets do. The income floor analysis runs against the same plan and scenario the advisor uses, so protection and planning agree. It shows how much of the floor is already covered by Social Security, pensions and other steady income, and what remains to fill. Compare ways to fill the gap and see which leaves the household with the most room in the rest of the plan.

## Annuity quotes side by side
Compare annuity quotes from several carriers side by side. Each quote shows the income it provides, its terms and how it fills the client's income floor. Quotes stay attached to the case, so the agent and the advisor discuss the same numbers. A quote is not an offer of coverage; the carrier decides when the application is submitted. Saved quotes keep their date, so a later review shows exactly what the client was shown.

## Carrier illustrations
Review carrier illustrations for life insurance and annuity products in the same workspace. Illustrations sit next to the needs analysis and the quotes, so the client sees how a product answers the need it was chosen for. Saved illustrations keep their date and assumptions for the record. When the plan changes, the agent can see whether an illustration still fits the need and request a new one.

## Applications and service tracking
Track each application from the first form to the issued policy, with every requirement and its status in view. After issue, every service request stays in the same record with its status and owner. Reminders keep follow-ups on time. Documents and signatures are captured in the archive, so the file is complete when a reviewer asks for it. Nothing about the case has to be typed twice.

## Working with the client's other professionals
An advisor or a tax preparer often spots the need first. With the client's permission, the agent picks up the relevant facts instead of starting a new intake, and sends findings back for the next decision. Underwriting questions stay inside the insurance engagement. See how [financial advisors](/advisors) and [estate planning](/estate-planning) use the same plan, or how [Commercial Insurance](/commercial-insurance) handles business risk.

## Try it with the example household
Add a spouse and two children to the fictional household in the showcase and watch the capital need change. Then compare the essential-income result with the saved plan, and change a fact to see how the protection need moves with it. The advisor's plan and the agent's analysis stay side by side. [Try the platform](/try?for=lifeandannuities), [talk with us](/contact) about your agency, or review [insurance controls](/regulatory-fit/insurance).