Scenario Tools Overview

Best for: Prospects with external debt who are exploring whether whole life banking fits into their broader financial picture.

Income Stacker

Models annual income withdrawals from starting policy cash values with growth and inflation assumptions over a 30-year horizon. The advisor scenario is a policy cash-value projection; the consumer Income Stacker tool models promissory notes.

Use for: Comparing modeled annual withdrawals and remaining cash value. Withdrawal Start is a projection year from 1 to 30, not a calendar year.

Financing Modeler

Compares paying cash, third-party financing, and a policy-loan funding path for the same purchase and replacement schedule.

Best for: Clients and prospects comparing the modeled cost and long-term position of recurring purchases.

In Preview (Allowlist Only)

The remaining scenario tools are accessible to a small allowlist of preview advisors. If you'd like early access while these tools harden, reach out to support@policystack.co.

• Policy Loan Repayment Planner — no payments, interest only, payment by term, and payment by amount paths against the same policy-loan inputs.
• Capital Velocity Calculator — system-level cycling math over time.
• Cash Value Projector — carrier illustration values modeled across future policy years.
• Capital Runway — modeled capacity and obligation timing.
• Family Banking Engine — multi-person and long-horizon banking-system modeling.

The Template Library expands alongside the broader scenario suite as more tools move from preview to live.

Creating and Saving Scenarios

Debt Payoff Path, Income Stacker, and Financing Modeler are available to every paid advisor from Practice → Scenarios. Preview-allowlisted advisors also see the in-preview tools. Choose Client, Prospect, or Standalone context before creation; the Debt Payoff Path scenario builder is Sequencer, Step 1. Inputs auto-save in the builder, and Calculate refreshes the results. Client and Prospect context establish the applicable household or deal link at creation.

Sharing Scenarios

Every saved scenario can be shared via a link. Open the scenario, click Share, choose an expiration, and generate a unique URL. The link opens a read-only results page; no Policy Stack account is required.

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.