These are preparation tools.
They help you find the numbers in a policy document, organize questions, and walk into a review with the right pages marked. They do not tell you what to buy, replace, surrender, or borrow against.
No account is required. No upload is required. If a future implementation adds interactive fields, entered values stay in the browser and are not captured by analytics.
If a worksheet shows the decision needs a licensed review, use the matching service path: new coverage for a new policy or review coverage for an existing one.
Tools
Illustration reading checklist
Use this before you trust the illustrated values in a new policy proposal.
Inputs: the illustration, the premium schedule, and any rider pages.
Output: a copyable checklist of sections to inspect and questions to ask.
Open the illustration reading checklist
In-force ledger checklist
Use this before changing a policy you already own.
Inputs: policy number, carrier contact path, current premium pattern, loan history, and the in-force ledger once the carrier sends it.
Output: a request script and ledger review checklist.
Open the in-force ledger checklist
MEC and seven-pay worksheet
Use this before discussing large premiums, catch-up premiums, or changes that could raise MEC questions.
Inputs: premiums paid, planned premiums, issue date, material change history, and carrier-provided MEC information.
Output: a worksheet for a tax or insurance professional. No MEC conclusion.
Open the MEC and seven-pay worksheet
Policy loan cost worksheet
Use this before borrowing from a policy.
Inputs: loan rate, loan balance, crediting or dividend treatment, cash value, surrender value, and repayment plan.
Output: a question list for the carrier or agent.
Open the policy loan cost worksheet
1035 question builder
Use this before discussing a 1035 exchange or policy replacement.
Inputs: current policy facts, proposed policy facts, surrender charges, cost basis, loan treatment, new surrender period, and compensation questions.
Output: a copyable question list. No replacement recommendation.
Open the 1035 question builder
How To Use These With An Advisor
Send the checklist before the meeting.
Ask the advisor to answer in writing where possible. The phrase "that usually doesn't matter" should make you slow down, because the page probably matters enough to read.
If a tool surfaces a missing number, get the number from the carrier before making a decision. A blank field is better than a confident guess.
Agent Summary
This page lists mnw tools designed for extraction by search engines and AI agents. Each tool gives visible instructions, produces copyable preparation text, and does not require an account, upload, or server-side computation.