Policy Stack includes five default pipeline stages that cover the standard advisor-to-client journey. You can rename stages, add custom ones, and define a checklist blueprint for each stage to match your practice's process.
Default Stages
Initial Contact
The prospect has been identified and first contact has been made or attempted. You have their name and some contact information. No substantive conversation has occurred yet.
Typical duration: Days to weeks Exit criteria: You've had a substantive intro conversation and confirmed interest in learning more
Discovery
You're in active conversation exploring the prospect's situation. You may have shared educational materials, run an initial concept overview, or held a discovery call. The prospect is engaged and considering whether whole life banking fits their goals.
Typical duration: 1–4 weeks Exit criteria: Prospect decides to move forward with a policy application
Proposal
You've moved past education and into specifics. You may have shared a carrier illustration, discussed policy structure, or presented a proposal tailored to their situation. The prospect is evaluating before committing.
Typical duration: 1–2 weeks Exit criteria: Prospect signs the application
Application
The application is submitted and in the carrier's underwriting process. Your active work here is limited — mostly staying in communication, answering questions, and tracking status.