When reviewing a client's Asset-Map, view life insurance not as a complex contract but as essential financial protection for their family. While clients often focus on investments and growth, we suggest that it's your job as their advisor to ensure safety features are in place. You might begin the conversation by highlighting the insurance section: "This is your family protection strategy, ensuring that if something unexpected occurs, your loved ones are taken care of." By framing it this way you're helping them align their choices with their intentions for their family.

Below are three convenient ways to add a life insurnace financial to a client's map.

Use the Actions menu when the Sidebar applets are hidden. Open the Actions menu by right-clicking on the map or clicking the colorize cross in the left-side navigation menu.

Alternatively, navigate to the Financials page in the left-side navigation menu and add an insurance financial by clicking the desired type and filling in the information.

The Essentials and Details form fields change with the insurance type. Please take note of those fields and enter information about the financials as desired.

Cash value of non-term insurance types will add a second tile on the map, representing the same insurance benefit when the policy owner is selected on the Essential page. Cash value can be represented as an asset to be used to fund a Target-Map™.

When Policy Owner(s) is different from Insured Member: When the Policy Owner(s) selected is other than the Insured Member(s), the tile represented on the insured member's map showing the death benefit will be yellow. The tile represented on the policy owner's map showing the Cash Value will be white.

The insurance cash value will be applied to the selected policy owner on the Balance Sheet.

Reference details about the insurance cash value 👉🏼 here.

You can illustrate a joint life insurance policy—either "First-to-Die" or "Last-to-Die"—by adding two interested members on the insurance financial's Essentials page instead of one. Simply designate one of the two options to create a visual that will enhance your discussion. It's important to check the Detail page to ensure proper Beneficiary settings are made.

Selecting the Joint Insured checkbox on the Details page will assign the Primary Beneficiary to be the Surviving insured member.

The Asset-Map will display an insurance financial that bridges the selected members.

First-to-Die selected: When joint insured is checked, the survivor will become the automatic beneficiary.

Last-to-Die selected or Joint Insured unchecked: Primary Beneficiary may be selected.

The policy will be assigned accordingly to the desired beneficiary.

In a Loss of Life Target-Map the life policy benefit is used to fund a loss of life illustration by default immediately. By default the Target-Map assumes that there is no time to save for the event. Expected Net Return on Capital percentage is applied upon date of application.

The age/date of the liquidation of the benefit may be adjusted in the Target-Map What you have page.

2/2026