AI-native · built for life, DI & LTC

The operating system for agents who sell life insurance for a living.

Every CRM you've tried was built for someone else's sale. Planning Partner runs your pipeline in coverage, centralizes every policy from any carrier, and uses AI to turn meeting notes into clients, read policy PDFs for you, and surface your next sale — all inside the book you already own.

No carrier lock-in Bring your book in an afternoon Clients log in & stay
100M+
Americans need more coverage — the book is already yours
40%
Of clients are under-protected right now (LIMRA 2025)
1-click
To see every policy across your entire book of business
0
Carriers you're locked into — consolidate anyone's policy
The daily grind

You're running a life business on tools built for everyone else's.

Generic CRMs, a spreadsheet pretending to be a pipeline, an email tool, a gap calculator, PDFs over email, and compliance in a shoebox. Five logins, no single truth, and the deals hiding in plain sight.

Hours lost to data entry

You finish a great client meeting, then spend 30 minutes typing notes into a CRM, updating a record, and setting reminders you'll forget anyway.

The book is a black box

Which clients are under-covered? Whose policy lapses next quarter? Who's a cross-sell? You can't answer without an afternoon of spreadsheet archaeology.

Clients go silent

You email a PDF after the sale and never hear from them again — until they shop a competitor at renewal. There's nothing pulling them back.

Agents don't lose because they're disorganized. They lose because the coverage conversation is invisible — and manual.

AI that does the work

The AI flows that save you hours — and find your next sale.

Not a chatbot bolted onto a CRM. AI woven into the day-to-day of selling life insurance. It proposes, you approve, it applies — nothing fires without you.

1 Meeting notes → client record

Talk to your client. Let the AI do the paperwork.

Paste or drop in your meeting notes and Planning Partner extracts the details — new dependents, income changes, a spouse's existing policy, the goal they mentioned — and turns them into structured updates and action items on the client's record.

  • Auto-extracts client details, life events, and follow-ups from raw notes
  • Drafts the next steps as a punch-list you can act on in one tap
  • You review & approve before anything touches the record — always
Real day · example
Maria · independent life agent

After a kitchen-table meeting, Maria pastes six lines of messy notes: "new baby in March, wife has old $100k term from work, wants college covered, makes ~$140k now." The AI reads it and proposes: add dependent, flag spouse coverage gap, update income, create education-funding goal, and a follow-up task in two weeks.

~25 min saved per meetingAnd nothing falls through the cracks
2 Your entire book — in one click

Ask your book a question. Get the list that's worth money.

Type it the way you'd say it: "all my California clients under $500K of coverage" or "who has a policy lapsing in 90 days?" Planning Partner reads your whole book in a click — net-worth roll-ups, lapse risk, coverage gaps by client — and hands you a working list you can act on in bulk.

  • Natural-language search across every client and policy at once
  • Book analytics: under-covered clients, lapse risk, cross-sell candidates
  • Bulk actions — email the whole list, move stages, build checklists at once
Real day · example
David · agency principal, 1,800-client book

Monday morning, David types: "clients turning 60 this year with no LTC coverage." In one click he gets 47 names, each with their current coverage and the LTC gap already calculated. He hits "draft outreach to all," reviews the AI emails, and sends.

An afternoon of analysis → 30 seconds47 warm conversations queued
3 Single or multi-client insight → sell more

The platform tells you who to call, and why.

Open any client and Planning Partner runs the gap math automatically — life, disability, and long-term care — and surfaces the next best action. Across the book, it spots life-event signals (a milestone birthday, a new home, a recent meeting) and finds similar clients to cross-sell.

  • Coverage gap engine: income replacement, mortgage, education, LTC — done for you
  • Life-event signals flag the clients who are ready to talk now
  • "Find similar" turns one good sale into ten cross-sell candidates
Real day · example
Priya · advisor with an HNW book

Priya places a $2M survivorship policy for one couple. Planning Partner flags nine similar households in her book with the same estate-liquidity gap, runs a multi-state estate projection for each, and drafts a tailored intro. One sale becomes a pipeline.

1 closed case → 9 qualified opportunitiesFrom the book she already had
4 Drop a policy PDF → the AI reads it

Stop typing policies. Drag, drop, done.

Upload any carrier's policy document and the AI extracts the carrier, face amount, riders, beneficiaries, and status — with a confidence score on every field and a link back to the source page. The messiest part of onboarding becomes a ten-second drag-and-drop.

  • Any carrier, any format — it reads the PDF, you don't retype it
  • Confidence scores flag anything worth a human glance
  • Same for licenses — NPN, states, and products parsed automatically
Watch it work
policy_LincolnFinancial_2019.pdf
AI-extracted in seconds
Carrier Lincoln Financial 99% Type IUL 98% Face $1,000,000 97% Rider LTC accelerated 94% Beneficiary Spouse (100%) 96% Status In-force 99%
15 minutes of data entry → 10 secondsPer policy
Sell more · earn more

An AI-native flow that turns your existing book into new commission.

You don't need more leads to sell more. Forty percent of the people you already serve are under-covered. Planning Partner makes that revenue visible — and one click to act on.

+34

Hidden cross-sells, found

The gap engine scans your book and tells you exactly which clients need more life, DI, or LTC — and how much.

1-click

From insight to outreach

AI drafts the right message for each opportunity. You approve and send — no blank page, no guesswork.

$2.1M

Forecast in coverage

A pipeline that thinks in death benefit and monthly benefit, so you know what's really closing — not vibes.

The math is simple: one cross-sale pays for the year.

With ~40% of your clients under-protected, the next policy isn't out there in a lead list — it's sitting in the book you already own. Planning Partner surfaces it, drafts the outreach, and tracks it to in-force. The platform pays for itself on the first recovered sale.

ROI on the deals you
were already going to miss
One source of truth

Every policy, every carrier, one record — for you and your client.

Planning Partner is two products in one tenant: the system you run your business on, and the portal your clients actually log into.

Centralize anyone's policy — no lock-in

Other tools sell you a quoting engine and lock you to their carrier list. We're carrier-agnostic by design: whatever your client owns — from anyone — lives in one consolidated record.

  • Life (Term / Whole / UL / VUL / IUL), DI, and LTC in one place
  • Beneficiaries, riders, cash value, trust ownership, lifecycle status
  • Drag-and-drop PDF parsing so it's populated in seconds
  • CSV import & Excel export — bring your whole book in an afternoon

A client portal they actually use

Clients log in to a "Peace of Mind" score and watch their protection gap close in real time. It's the retention and referral engine a generic CRM will never give you.

  • Survivor, Income & Long-Term-Care protection — current vs. needed
  • Multi-state estate-planning analysis, run live
  • Document vault — uploads notify you automatically
  • Request a quote, see their policies, flag anything that's off
A Tuesday with Planning Partner

Less admin. More selling. Same hours.

Here's what the AI quietly handles between 9am and lunch.

9:05Coffee

"Who should I call today?"

The dashboard already surfaced six clients with life-event signals and a calculated gap. No spreadsheet, no guessing.

6 warm calls, zero prep
9:40Post-meeting

Notes become a client record

You paste your meeting notes. The AI updates the profile, flags a spouse coverage gap, and sets the follow-up — you just tap approve.

25 min saved
10:30New client

Three carrier PDFs, ingested

A new client sends three old policies from three carriers. You drag them in; the AI reads every field and builds the consolidated view.

40 min saved
11:15Pipeline

Forecast in coverage

One glance: $2.1M of death benefit expected to close in 30 days, who's stuck, and the backward-math to your monthly goal.

Clarity, not vibes
11:50One click

Find the next sale

"Clients under $500K with kids at home." 34 results, AI outreach drafted, reviewed, and sent before lunch.

A full pipeline by noon
Everything in one place

The whole front office, built for life.

Coverage-native pipeline

Ten stages from lead to in-force, swimlanes for Life / DI / LTC, weekly benchmarks and backward-math from your goal.

AI workforce

Specialist AI for pipeline, coverage, outreach and compliance. It proposes, you approve, it applies — audit-safe.

Meeting-notes AI

Turn raw notes into structured client updates and action items in one tap.

Policy-PDF ingestion

Any carrier, any format — fields extracted with confidence scores and source links.

Whole-book search

Ask in plain English; act in bulk. Net-worth roll-ups, lapse risk, cross-sell lists.

Gap & needs engine

Life, disability and LTC need-math your client can see — and you can sell from.

Estate-planning analysis

Multi-state tax projections and liquidity planning, run live, exported as a PDF.

Quotes & client comms

Build a quote, attach the PDF, notify the client in-portal and by email — one loop.

Built for hierarchies

Multi-tenant roles and a General Agent portal for IMOs, FMOs and agencies.

Audit-proof by default

Compliance isn't a feature you bolt on. It's the spine.

For a regulated seller, that's the difference between a tool and a system of record.

Full audit trail

Every client-data change logged — who, what, when, and from where.

License tracking

Automatic license-expiration monitoring and renewal alerts.

Compliant by default

A legal footer is injected on every client-facing email, automatically.

Secure access

MFA, trusted-device management, and role-based, org-isolated data.

Good questions

The things agents ask us first.

Do I have to switch off my current carrier or quoting tools?
No. Planning Partner is carrier-agnostic by design — it centralizes whatever your clients already own, from any carrier. Keep your quoting and e-app tools; we're the system of record and the front office around them.
Will the AI send things to my clients on its own?
Never. Every AI action is a proposal you review and approve, and it's logged to the audit trail. It's built to save you time, not to take you out of the loop or create a compliance risk.
How hard is it to bring my book over?
An afternoon. Import your clients via CSV with your own column mapping, then drag-and-drop policy PDFs and let the AI populate the records. You'll be evaluating it on your real book the same day.
My clients won't log into "another portal" — why is this different?
Because it's not a document dump. They see a Peace-of-Mind score and a protection gap that visibly closes as you work — the kind of thing they show their spouse. It's a retention and referral engine, not a filing cabinet.
Is this just for solo agents, or agencies too?
Both. Solo agents land and run their whole practice on it; agencies, IMOs and FMOs use multi-tenant roles and the General Agent portal to roll it out across producers and see the whole funnel.
Up and running fast

From signup to your first opportunity — in a day.

No long implementation, no consultant, no IT project. Five simple steps — and we'll handle the heavy one for you.

1

Sign up

Create your account in minutes. No credit card, no setup call required to get started.

2

Complete agent details

Add your NPN, state licenses, and carrier appointments. Your license expirations track themselves from here.

3

Import your book

Upload a CSV and drag in policy PDFs — the AI reads every field across carriers.

We'll do this for you
4

Run book analysis

One click scans your whole book — gaps, lapse risk, and cross-sell opportunities, surfaced instantly.

5

Start earning & saving

Work the opportunities, place more policies, and watch the hours come back to your week.

See it on your real book

The deals are already in your book. Let's go find them.

Book a 15-minute demo and we'll parse one of your own policy PDFs, run the gap engine on a sample of your clients, and show you the pipeline in coverage — live.

No credit card. Bring your real data. Built for independent life, DI & LTC producers.