Household and Family Policies

Policy Stack does not require the insured to have their own Policy Stack account. You can track a policy on your child or spouse within your own account. The insured name is for your reference only.

Tracking Loans Across Multiple Policies

When you have multiple policies, loans can originate from any of them. Each loan is associated with a specific policy — the policy whose cash value is being used as collateral for that loan.

The Banking Ledger records which policy each capital event originates from, so you can see the activity broken down by policy or viewed as a household total.

System-Level vs. Policy-Level Views

Policy Stack provides both perspectives:

Policy-level: Each policy has its own dashboard — cash value history, loan balances, LTV ratio, and loan repayment schedules for loans on that specific policy.

System-level (household): The main dashboard aggregates all policies — total cash value, total loan balances, net system position, total deployments, and capital velocity across the entire household.

The relationship between these views is additive. The household total is the sum of individual policy positions. If a policy has a loan outstanding, that loan balance reduces both the policy-level and household-level Net Cash Value.

One Account Per Household

Policy Stack accounts are organized at the individual level, not the household level. If you want your spouse to have their own login to view shared data, the Partner Collaboration feature (Builder Pro) allows you to share account access with another Policy Stack user.

See the Connecting with an Advisor article for how collaboration and data sharing work — the same connection flow applies to partner access.

Policy Stack is a tracking and visualization tool. It does not provide financial advice, recommendations, or opinions on what you should do with your banking system.

Policy Stack is independent of and is not affiliated with, sponsored by, or endorsed by Infinite Banking Concepts, LLC or the Nelson Nash Institute.