Debt Payoff Path has five stages: Steps 1–4 in Sequencer compare minimum-only, avalanche, snowball, and whole life banking paths for external obligations. When a whole life banking layer is configured, the Game Plan shows the modeled policy-loan sequence. A whole life banking path requires a carrier illustration or manually entered annual premium and cash-value values for projection years 1–5. The schedule stops at its last entered year; it does not extend scheduled premiums or schedule-based cash-value growth beyond that row. Any separately selected post-payoff PUA contribution remains a separate modeled amount. For an existing policy, recorded policy values can provide the Actual starting Total Cash Value, Net Cash Value, and opening policy-loan balance; future growth, draws, and repayments remain Modeled. Start an eligible saved scenario in Payoff Path (Step 5) to track it month by month.
Key Takeaways
- Compare payoff timing, modeled interest, and the month-by-month sequence
- Start from recorded policy values or manual inputs, then enter policy annual values manually or use a confirmed carrier illustration as alternative schedule sources
- External obligations are modeled separately from tracked policy loans
- All results are Modeled and illustrative; the tool does not choose a path
- Debt Payoff Path is live on Builder Pro and every paid Practice tier, not Starter