# Protection sized against the client's own plan

Size life insurance and income needs from the client's own plan. Compare annuity quotes and carrier illustrations. Track each application and service request from start to finish. The Protection & income add-on puts this work on the advisor's own plan.

## Capital needs from the real plan
Size life insurance capital needs from the client's own saved plan, not a rule of thumb. The analysis uses the family's income, debts, goals and current coverage. It shows how much protection closes the gap. Change a fact, such as a new child or a larger mortgage, and see the need move. The inputs and assumptions stay with the result. It reopens without starting over.

## An income floor the client can count on
Find the income a household needs to cover essential spending in retirement, whatever markets do. The income floor runs on the same plan and scenario the advisor uses. That way protection and planning agree. You see how much of the floor is already covered by Social Security, pensions and other steady income. You also see what is left to fill. Compare ways to fill the gap. See which one leaves the most room in the rest of the plan.

## Annuity quotes side by side
Compare annuity quotes from several carriers side by side. Each quote shows the income it pays and its terms. It also shows how it fills the client's income floor. Quotes stay with the case, so the agent and the advisor talk about the same numbers. A quote is not an offer of coverage. The carrier decides when the application is submitted. Saved quotes keep their date. A later review shows just what the client saw.

## Carrier illustrations
Review carrier illustrations for life insurance and annuity products in the same workspace. They sit next to the needs analysis and the quotes. The client sees how a product answers the need it was chosen for. Saved illustrations keep their date and assumptions for the record. When the plan changes, the agent can see if an illustration still fits. The agent can then ask for a new one.

## Applications and service tracking
Track each application from the first form to the issued policy. Every requirement and its status stay in view. After issue, every service request stays in the same record with its status and owner. Reminders keep follow-ups on time. Documents and signatures go in the archive, so the file is complete when a reviewer asks for it. Nothing about the case has to be typed twice.

## Working with the client's other professionals
An advisor or a tax preparer often spots the need first. With the client's permission, the agent picks up the facts that matter and skips a new intake. The agent then sends findings back for the next decision. Underwriting questions stay inside the insurance engagement. See how [planning](/planning) and [estate planning](/estate-planning) use the same plan.

## Try it with the example household
Add a spouse and two children to the fictional household in the showcase. Watch the capital need change. Then compare the essential-income result with the saved plan. Change a fact and see the protection need move with it. The advisor's plan and the agent's analysis stay side by side. [Try the platform](/try?for=lifeandannuities), [talk with us](/contact) about your practice, or review [practice controls](/regulatory-fit/advisors).