Founding Partner Program
The product is the part between meetings. It watches the policy, says when the rider is behind or interest is about to capitalize, and answers what the client can borrow without a call to you.
The client still does four things at the insurance company: take a loan, make a loan payment, make a paid-up additions payment, or change the paid-up additions billed with the premium. The product records them. It does not sign in, and it does not move the money.
Send the client’s name, email, and one document you already have: the illustration, the delivered contract, or a summary from the insurance company’s portal. We build the account and run the walkthrough. Your client leaves the delivery meeting already using the policy instead of filing it away.
Founding terms · No cost · No quota · Non-exclusive
Your practice
Policies that get used stay in force. A client who watches the cash value build, and who knows what a loan costs before taking it, keeps paying the premium and keeps funding the rider. The product brings them back between meetings. The client running it from memory is the one who quietly decides it didn’t work.
The routine questions stop reaching you. What can I borrow, what do I owe, when does the interest capitalize — the client finds those on the account, without a call or an email to you. What reaches you is the conversation worth having: the next purchase, the next policy, the design question.
A client who practices buys again. The second policy comes from the person who understood the first one and wants more capacity. So do the referrals — people refer what they can explain.
What it does
The product watches the policy and reaches the client directly:
You do not send these notices. The product notifies the client. Interest, a quarterly or annual premium, a loan payment, or numbers gone stale can also go out by email, while there is still time to act. A date on the policy does not wait for you to remember it.
A notice is a prompt. The client still makes the change at the insurance company. The product does not log in and do it.
The client sees each of these on an account with your name on it.
The product keeps the records and the reminders. You handle the strategy.
Range
At its simplest. One policy summary from their insurance company’s portal builds the account: the policy, and what they can borrow today. There is no history to reconstruct. From there the product does the reaching out.
When they want the full practice. Categories for what they can borrow, a plan for each loan, and the recurring-expense loop. That loop is a loan when the bill is due, a smaller paid-up additions payment while the loan is open, and the loan payment itself. This is what the product was built for first, and it is there from day one without being in the way.
The handoff
Every new policy. You send the name, the email, and one document you already have: the illustration, the delivered contract, or a summary from the insurance company’s portal. We build the account from that document. An illustration or a contract can include the premium schedule, the paid-up additions target, and what the early years look like. A portal summary shows the policy as it is today. Then we run the walkthrough. A policy written last week has no history to reconstruct, so this is the path for every policy you place.
What your client opens. The policy you set up, with your name on it. They confirm today’s available loan amount and the loan principal. The available loan amount is the figure behind their insurance-company login. The rest of the setup can wait.
Your existing book. Older policies carry years of statements, so we scope those together and work a cohort at a time rather than take a bulk handover. Clients reach a working account first; the deeper history fills in behind them.
Nothing exists until they say yes. We email your client a signup link. Once they sign up and confirm their email with a code, we build the account from your document. If they never sign up, we delete the documents you sent.
Terms
These are the first partner terms we’ve written. Billing doesn’t exist yet, so the share activates when it launches — and your 30% is fixed from the day you sign, whatever we do later.
Founding Partner pilot
Three to five clients to start. Your pick — the ones who ask you the most questions are the right ones. We build the accounts and run the walkthroughs. Sixty days later you tell us whether it earned a place in how you deliver policies.
If it did, two things. A mention at delivery, so every policy you write from here ships with an account. And an introduction to the rest of your book — we draft it, you edit it and send it in your voice.
FAQ
The ones who grant it. The view is read-only unless the client also allows changes. The client can take it back at any moment, and your views and changes are logged where they can see them.
Setting the account up is a separate step. The client signs up, we build the account from your document, and then they grant the view.
Three to five clients, sixty days, and an honest review at the end.