A web-based SaaS platform where users input their policy details (premiums, cash value, growth rates, death benefit) and financial context. The engine calculates the policy's actual internal rate of return, models opportunity costs against alternative investments, simulates 1035 exchange scenarios, and generates personalized, data-driven recommendations on whether to keep, cancel, or modify the policy based on their specific financial situation.

Rising interest rates have made whole life insurance returns increasingly uncompetitive, while growing financial literacy and DIY investing trends are creating demand for objective, data-driven insurance analysis tools that bypass commission-driven agent advice.