Family Network links a Family Coverage map between two separate Policy Stack households — for example, two generations of the same family, each tracking their own policies. It is a Builder Pro capability that extends the read-only tracking of Family Coverage across a household boundary; it does not merge accounts, billing, or records.
What Is Shared
A link shares exactly three things from the granting household's Family Coverage map:
- Everyone on the family map — their names, how they are related to each other, their birth years, and whether they are living. Full birth dates are never shared.
- In-force death benefit on each person's policies, counting only policies that are currently in force, with the date each value was last updated.
- Beneficiary designations on each policy — Primary or Contingent, and their share — including people and trusts named as beneficiaries who are not themselves on the map.
What Stays Private
Cash value, on every policy, is never shared. Policy loans, repayments, and balances stay private, as do snapshot history, premiums, and payment records, and every document and upload. A linked record is view-only: the receiving household cannot edit anything on the map it was shared, and cannot record a loan, snapshot, or update on the other household's behalf.
One Direction Per Link
Sharing runs one way. Seeing a relative's map does not share yours with them. To see each other's maps, both households send a separate request and accept the other.
Requesting And Accepting A Link
The household owner starts a request from or a person card. Choose in the empty Family links dialog or on a person card. The request asks the recipient household to share its map with the requester; it does not share the requester's map. If that address has no Policy Stack account yet, the request waits; it becomes available to review after that person signs up.