Smart Lists for Whole Life Banking Practices

LTV above 90% approaches the range where carriers may restrict additional policy loans. This is a factual limit set by the carrier, not a performance evaluation.

Dormant Clients

Clients with no recorded activity — no logins, no snapshot updates, no notes — in 120 or more days.

Conditions:

• Days Since Last Activity Greater Than 120
• Client Type is Seated
• Pipeline Stage is Active

How to use: A dormant seated client is using one of your paid seats without engagement. Reach out to confirm they still want to use the platform, or consider whether the seat would serve another client better.

Expansion Candidates

Active clients with a single policy who may be in a position to add a second policy to their banking system.

Conditions:

• Policy Count is 1
• Policy Age (Years) Greater Than 3
• Engagement Band is High OR Engagement Band is Medium

How to use: These are engaged clients with a maturing first policy. They are familiar with the platform and actively tracking their banking system — a natural audience for conversations about expanding their system with an additional policy.

Term Conversion Windows

Clients with policies approaching common term conversion decision points.

Conditions:

• Tags Contains Any "term-rider", "term-conversion"
• Policy Age (Years) Between 5 and 15

How to use: Tag clients with term riders at onboarding. This list then surfaces them automatically as their policies approach the window where term conversion decisions become relevant. Review each client's policy structure before reaching out.

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.