Preload Policies for a Prospect

The card shows each draft's full detail — carrier, policy number, insured and owner, base death benefit, premium and frequency, issue date and anniversary — plus the latest statement values and any uploaded documents. A readiness chip tracks whether the draft has everything a claim needs — carrier, policy number, issue date, and base death benefit — and prompts for a statement when current values are missing.

When a draft has a complete anniversary month and day, that anniversary also appears on the advisor calendar. Archived and transferred drafts no longer create future anniversary events.

Removing a Practice-Loaded Policy

Before a prospect accepts a draft, your practice can manage or remove that draft. After acceptance, the transferred policy belongs to the client's account and the client decides whether to delete it.

For a policy created directly by your practice in a connected client's workspace:

• An advisor or team member with read/write access can remove it only while the client has not added data to it. The removal flow requires the acknowledgment and the typed confirmation DELETE.
• Once the client has added data, the advisor cannot remove it. The client must open the policy in their own account and decide whether to permanently delete it.
• Current policy deletion is permanent. Recently Deleted only restores older records created under the previous soft-delete flow during their remaining 30-day window.

What the Prospect Sees Later

When the prospect creates a Policy Stack account with a verified email, their Home shows a card: "[Your name] set up N policies for you." Amounts are shown rounded until they accept. The card leads their Home with your photo and welcome note and cannot be dismissed. They choose:

• Allow access and add — the card shows the access level and what it shares before the button. If permission has not already been captured through an accepted seat, "Allow View & edit · Add policy" grants read and write access and adds the policies in one click; "Change" offers View only. Documents stay private unless the client shares them. Eligibility alone does not grant access. For a seat accepted with “Accept & share,” the recorded read/write consent permits automatic claiming.
• No access — declines the prepared policies: they are not imported and the offer is hidden until you resend policy setup from the client profile. A sponsored seat requires read and write access, so a seated client's card offers only View & edit. A client who connected without sharing is never given your prepared policies until they choose View & edit or View only. The client can still manage access from Settings → Connections.

Each draft on the Policies card carries a state chip so you can tell these apart without guessing:

• Ready to claim — complete and the client has a qualifying link. This does not mean the client has seen the offer or granted permission.
• Needs details — the draft cannot be imported yet; the card names the missing field.
• Declined — the client dismissed the offer, with the date. Use Resend policy setup to put it back in front of them. If the draft also needs details, fix those first: a resend is refused while the draft is incomplete.
• Accepted — the client imported it; the live policy is now theirs.

The client is told that declining is visible to you. You see only that they declined and when — never a reason, and nothing else about their account.

The card is only offered when the account matches exactly one of your contacts and the person has a qualifying prior link: a seat or accepted connection, referral-only signup through you, or naming you during onboarding. If no qualifying link exists, send a seat invite or have them enter your email during signup. If a draft needs details, complete them (including its carrier) before it can be claimed. Policies already recorded in the account do not block the offer; claimed prepared policies are added alongside them. A ready notification is sent in-app and by email, subject to the client's notification settings. A seat accepted before automatic claiming shipped is retried when that client next opens Home.

After the Claim

Accepted drafts are marked transferred, the contact moves from prospect to active client, and the contact profile hands off to the connected-client view of their live banking system. The draft's encrypted copy is cleared by a scheduled cleanup once the transfer completes — the client's account now holds the single source of truth.

Drafts for a prospect who never joins simply remain on the contact profile as your working reference for the life of the contact.

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.