Family Coverage groups recorded policy death benefit by household person. It is a tracking and visualization surface, not an insurance analysis or purchase calculator.
Start With People
When the map is empty, select Add people and add yourself first, then a partner or spouse, children or dependents, and any other person named on a policy. Adding a person records their name and living status only. Relationships and policies are recorded afterwards from that person's card, so you can add everyone first and connect them later.
During an advisor session with read-write access, an advisor can set up and maintain the client's map. Read-only access allows review without changes. Family Coverage and available tools follow the client account's plan.
After people exist, unlinked policies appear in the reconciliation queue. Select the matching person to link a policy; if no insured name is recorded, the policy nickname or type is shown. An unlinked policy is not included in any person bucket or household known-linked total.
The Graph And How You Build It
The family graph is a read-only picture of how the people you have added connect. You do not edit it directly. Relationships are recorded through dropdowns on a person's card, and the graph redraws to match.
To record a relationship, open a person, choose the relationship type, pick the other person, and — for a parent relationship — set the direction (who is the parent, who is the child). Parent and child, and spouse or partner, are the relationships the graph reads to lay out generations and derive siblings. Sibling is offered as well, for the one case those cannot reach: two siblings whose shared parent is not on the map.
A person can have more than one parent. Open the child, record the first parent, then record the second the same way. Each connection is stored separately, and Policy Stack never labels a child as half or whole.
Siblings and cousins are read from the parent connections already on the map.