Policy Explorer · Private document worksheet
Place two policy documents side by side. Copy figures from the same policy year and valuation date where possible. A blank means unknown, never zero. This worksheet does not score policies or select a winner.
Use a nickname for each policy and a general insured profile, such as age and underwriting class. Leave out names, policy numbers, birth dates, and medical details. Nothing entered here is uploaded or sent to an agent.
Comparison limitations
No entered comparison fields differ. Missing facts and contract terms may still prevent a fair comparison.
Missing information: 36
What does guaranteed issue mean?
Guaranteed-issue life insurance generally does not require medical questions or an exam, but eligibility rules still apply. Some policies limit the benefit for nonaccidental death during an initial waiting period. Guaranteed issue describes the application process; final expense describes a purpose. Check the actual benefit schedule, exclusions, premiums, and waiting period.
Consumer source: South Carolina Department of InsurancePrivate policy comparison
Generated:
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Policy 1
- Policy nickname / type
- Unknown / not supplied
- Document issue date
- Unknown / not supplied
- Date represented by the values
- Unknown / not supplied
- Policy year represented
- Unknown / not supplied
- Insured profile / underwriting class
- Unknown / not supplied
- Current or proposed; in-force status
- Unknown / not supplied
- Coverage start date
- Unknown / not supplied
- Coverage end / expiration date
- Unknown / not supplied
- Stated coverage amount ($)
- Unknown / not supplied
- Premium amount, frequency, duration, and future changes
- Unknown / not supplied
- Guaranteed cash value at comparison date ($)
- Unknown / not supplied
- Nonguaranteed cash value at comparison date ($)
- Unknown / not supplied
- Net surrender value at comparison date ($)
- Unknown / not supplied
- Current death benefit ($)
- Unknown / not supplied
- Riders, cost, eligibility, and exclusions
- Unknown / not supplied
- Outstanding loans, withdrawals, and benefit effects
- Unknown / not supplied
- Guarantee conditions, lapse risks, waiting periods, and benefit schedule
- Unknown / not supplied
- Unresolved questions / unavailable figures
- Unknown / not supplied
Policy 2
- Policy nickname / type
- Unknown / not supplied
- Document issue date
- Unknown / not supplied
- Date represented by the values
- Unknown / not supplied
- Policy year represented
- Unknown / not supplied
- Insured profile / underwriting class
- Unknown / not supplied
- Current or proposed; in-force status
- Unknown / not supplied
- Coverage start date
- Unknown / not supplied
- Coverage end / expiration date
- Unknown / not supplied
- Stated coverage amount ($)
- Unknown / not supplied
- Premium amount, frequency, duration, and future changes
- Unknown / not supplied
- Guaranteed cash value at comparison date ($)
- Unknown / not supplied
- Nonguaranteed cash value at comparison date ($)
- Unknown / not supplied
- Net surrender value at comparison date ($)
- Unknown / not supplied
- Current death benefit ($)
- Unknown / not supplied
- Riders, cost, eligibility, and exclusions
- Unknown / not supplied
- Outstanding loans, withdrawals, and benefit effects
- Unknown / not supplied
- Guarantee conditions, lapse risks, waiting periods, and benefit schedule
- Unknown / not supplied
- Unresolved questions / unavailable figures
- Unknown / not supplied
Missing information
- Policy 1: Policy nickname / type
- Unknown / not supplied
- Policy 1: Document issue date
- Unknown / not supplied
- Policy 1: Date represented by the values
- Unknown / not supplied
- Policy 1: Policy year represented
- Unknown / not supplied
- Policy 1: Insured profile / underwriting class
- Unknown / not supplied
- Policy 1: Current or proposed; in-force status
- Unknown / not supplied
- Policy 1: Coverage start date
- Unknown / not supplied
- Policy 1: Coverage end / expiration date
- Unknown / not supplied
- Policy 1: Stated coverage amount ($)
- Unknown / not supplied
- Policy 1: Premium amount, frequency, duration, and future changes
- Unknown / not supplied
- Policy 1: Guaranteed cash value at comparison date ($)
- Unknown / not supplied
- Policy 1: Nonguaranteed cash value at comparison date ($)
- Unknown / not supplied
- Policy 1: Net surrender value at comparison date ($)
- Unknown / not supplied
- Policy 1: Current death benefit ($)
- Unknown / not supplied
- Policy 1: Riders, cost, eligibility, and exclusions
- Unknown / not supplied
- Policy 1: Outstanding loans, withdrawals, and benefit effects
- Unknown / not supplied
- Policy 1: Guarantee conditions, lapse risks, waiting periods, and benefit schedule
- Unknown / not supplied
- Policy 1: Unresolved questions / unavailable figures
- Unknown / not supplied
- Policy 2: Policy nickname / type
- Unknown / not supplied
- Policy 2: Document issue date
- Unknown / not supplied
- Policy 2: Date represented by the values
- Unknown / not supplied
- Policy 2: Policy year represented
- Unknown / not supplied
- Policy 2: Insured profile / underwriting class
- Unknown / not supplied
- Policy 2: Current or proposed; in-force status
- Unknown / not supplied
- Policy 2: Coverage start date
- Unknown / not supplied
- Policy 2: Coverage end / expiration date
- Unknown / not supplied
- Policy 2: Stated coverage amount ($)
- Unknown / not supplied
- Policy 2: Premium amount, frequency, duration, and future changes
- Unknown / not supplied
- Policy 2: Guaranteed cash value at comparison date ($)
- Unknown / not supplied
- Policy 2: Nonguaranteed cash value at comparison date ($)
- Unknown / not supplied
- Policy 2: Net surrender value at comparison date ($)
- Unknown / not supplied
- Policy 2: Current death benefit ($)
- Unknown / not supplied
- Policy 2: Riders, cost, eligibility, and exclusions
- Unknown / not supplied
- Policy 2: Outstanding loans, withdrawals, and benefit effects
- Unknown / not supplied
- Policy 2: Guarantee conditions, lapse risks, waiting periods, and benefit schedule
- Unknown / not supplied
- Policy 2: Unresolved questions / unavailable figures
- Unknown / not supplied
Comparison limitations
- Comparison limitations
- No entered comparison fields differ. Missing facts and contract terms may still prevent a fair comparison.
- Comparison limitations
- Figures are transcribed, not verified. Cash value and death benefit are different outcomes and must not be added together unless the contract explicitly pays both. A nonguaranteed illustration is not a promise. Blank end dates are unknown, not proof of lifetime coverage. No cancellation or replacement recommendation is made.
Questions to verify
- 1
- What would keeping or modifying the current policy accomplish?
- 2
- What is guaranteed, what is illustrated, and what payments keep each guarantee in force?
- 3
- What are the net surrender value, loan balance, replacement costs, new waiting periods, and coverage gaps?
- 4
- Do the documents use the same insured profile, valuation date, and coverage period?
- 5
- If expiration is unknown or described as lifelong, which funding and contract conditions must be met?