A snapshot records carrier-reported policy values for one date. It is the source for Actual Total CV, loan balance, available cash value, death benefit, and Net Cash Value throughout Policy Stack.
Key Takeaways
- Regular snapshots keep the Dashboard, Policy Portfolio, and policy charts current
- Enter values manually from a carrier portal or statement
- Builder Pro can extract values from one or more portal screenshots for review before saving
- Record an anniversary statement separately when you also want annual dividend and statement history
- Freshness indicators identify current, aging, stale, or missing snapshot records
Snapshots describe the carrier position as of a date. They do not move money or replace the underlying policy-loan and repayment records.
How Carriers Report Cash Value
Carriers do not all present cash value the same way, so a snapshot can record what your carrier actually shows:
- One Total Cash Value — the common case. Record it as-is.
- Guaranteed Cash Value and Cash Value of Paid Up Additions — when a carrier shows both for the same date, record both. If Total CV is present and the printed components reconcile to it, the policy workspace shows the complete recorded makeup with its date. A missing part or missing total is never calculated from the other figures.
- Only one of Guaranteed Cash Value or Cash Value of Paid Up Additions — a carrier statement that prints just one of the two labels preserves that printed figure as reported-but-unreconciled; the missing component and any missing Total CV remain blank. Policy Stack never guesses the missing figure by subtracting the other from Total CV, never composes a total, and never presents an incomplete reading as a complete pair.
- Net Cash Surrender Value — recorded alongside Total CV. It calculates Total CV only when the same source also reports an actual outstanding loan balance for that date. On its own it is recorded as-is.