Analysis Rules | Insurance Optimizer

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Rules

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Detail

📊 Life Insurance Gap Rules

Income Multiple for Coverage Target

8×12×15×

Years of Income Replacement

Include Mortgage Payoff

Yes

No

Include Education Funding

Yes

No

🔄 Term Conversion Rules

Flag Term Policies with ≤ X Years Remaining

3 yrs10 yrs15 yrs

Flag Conversion Deadline Within X Years

1 yr5 yrs10 yrs

Min Income Increase Since Issue (%)

10%25%50%

🏥 Disability Income Rules

Target Income Replacement %

50%65%70%

Max Acceptable Elimination Period

Minimum Benefit Period

🏠 Long-Term Care Rules

Flag Clients Age ≥ X with No LTC Strategy

405065

Daily Benefit Target ($)

Benefit Period Target (Years)

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