Client Activity Stages

How Clients Move Between Stages

Stage transitions happen automatically during the nightly recalculation. The system evaluates each client's login history, snapshot freshness, and account age to determine the current stage.

Common transition paths:

• New → Onboarding — after 14 days, if the client hasn't yet established regular usage patterns
• Onboarding → Active — when the client records their first policy snapshot and logs in consistently
• Active → At-Risk — when login or snapshot activity lapses beyond 30 days
• At-Risk → Active — when a client returns and logs in or updates their data
• At-Risk → Churned — after 90 days of no meaningful activity

Viewing Stages in Analytics

The Stages view also shows a trend line for each stage over the selected date range, so you can see whether your Active count is growing, stable, or declining relative to your total client base.

Using Stages for Outreach

Lifecycle stages pair naturally with your outreach workflow:

• Onboarding clients — check in to see if they need help entering their first policy or understanding the platform
• At-Risk clients — a personal note or call is often more effective than an automated message; these clients may have questions or may have simply lost the habit of logging in
• Churned clients — consider whether a re-engagement touchpoint makes sense based on your relationship history

The stage a client is in tells you where to direct your attention. What you do with that attention is up to you and your practice style.

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.