Clients with two or more policies are building a layered banking system. Managing them requires a system-level view — not just individual policy data, but how the policies work together.
System-Level Metrics
When a client has multiple policies, the Banking tab on their profile displays aggregated system metrics:
| Metric | What It Shows |
|---|---|
| Total CV | Snapshot-carried cash value across the shared policies |
| Loan Balance | Outstanding balance of the shared active policy loans |
| Net Cash Value | Total cash value minus total loan balance |
| System LTV | Loan Balance divided by Total CV, expressed as a percentage |
| Capital at Work | Recorded principal in active shared deployments |
Actual is implicit for the recorded-only hero and policy metrics; non-Actual values remain explicitly badged. The hero uses snapshot-carried history, while policy cards use each policy's current recorded CV, so the figures can differ when snapshot history lags current policy activity. Pending Auto Log rows do not enter Actual totals until confirmed.