Replacement Check
Every replacement shows the customer what they give up and gain, before any money moves.
Why it matters
Replacements need notices, comparisons and exchange paperwork; reviewers rebuild surrender costs by hand and customers lose value they never saw.
How the solution handles it
Five agents read the notice and both contracts, compare costs, benefits and riders, work out surrender charges, check the 1035 paperwork and draft a plain comparison letter. The compliance officer approves or returns the replacement.
How a replacement moves
Five specialist agents read the notice, compare both policies, work out surrender cost, check the 1035 forms and draft; a compliance officer approves.
What it reads, and what it hands back.
What goes in
- Replacement notice
- Existing policy statement
- Surrender charge schedule
- New application
- 1035 exchange form
What comes out
- Side-by-side comparison
- Surrender cost worked out
- Notice and form check
- Review note
Who uses it
The difference, in numbers.
Every figure is labelled: a target the solution is built to, an estimate, a typical published result, or a proven one.
Sources: NAIC Replacement Model Regulation #613 · IRC §1035 · “Target” = design goal, measured in the live solution · “typical” = published figures · “estimated” = our estimate
5 specialist agents. One person decides.
More in this division.
Every application read against its evidence, so the underwriter starts from a cited case summary.
APS SummaryA 200-page APS becomes a short cited summary of every condition, value and date.
Death ClaimsEvery death claim checked and ready to pay well inside the 15-day clock, with interest worked out.
Build this
for your team.
We’ll show Replacement Check running on your own documents.