Specialty Insurance & Benefits

Allocate exactly 100% of monthly income, compare non-negative actual spending, expose fixed-dollar extras, and review transparent balances and planning ratios.

Stress-test entered underlying and umbrella liability limits against one hypothetical covered-cost scenario and budget an actual quote without deriving a limit from net worth.

Reconcile entered disability policy benefits, other verified resources, offsets, taxes, essential expenses, and elimination-period resources without estimating premiums or recommending coverage.

Estimate dental costs from actual fees, deductibles and remaining insurer benefit caps, or budget a written patient-pay quote. Save and export assumptions.

Build a dated net-worth statement from eight asset and liability categories, using owned values minus owed balances without liquidity or health scoring.

Reconcile entered survivor-income needs, obligations, goals, death benefits, and dedicated resources without a coverage or product recommendation.

Model retirement savings, inflation, user-entered Social Security, withdrawal-rate sensitivity, income gaps, and retirement-age scenarios.

Apply entered in-network deductible, coinsurance, copays, and out-of-pocket maximum terms to an entered allowed-charge scenario, plus premiums.

Project entered HSA contributions, scheduled distributions, and net growth while comparing annual contributions with a verified external limit.

Calculate fixed-rate loan payments, total interest, amortization, and extra-principal savings. Enter principal, annual note rate, and term; fees are excluded.