Annual insurance review for insurance and personal-finance agents. Surfaces coverage gaps, overpayments, bundling savings, and life-stage adjustments across an entire policy portfolio.

Auto insurance premium estimate and coverage analysis — car insurance coverage adequacy, savings opportunities, carrier comparison, and a country-aware estimated annual premium range from public benchmarks. For insurance and personal-finance agents, any country.

Business insurance coverage planner and cost estimate — exactly which policies a small business needs (general liability, BOP, professional liability, workers comp), country-aware cost estimates from public benchmarks, and where to buy them. For small-business and insurance agents, any country.

Insurance claim should-I-file decision and premium-impact analysis — whether to file given the rate hit, plus a documentation checklist and adjuster-negotiation tips. Country-aware for non-US claimants. For insurance and personal-finance agents, any country.

Disability insurance and income-protection calculator — how much coverage to buy, key policy features (own-occupation vs any-occupation), carrier recommendations, and a country-aware estimated premium from public benchmarks. For insurance and personal-finance agents, any country.

Home insurance premium estimate and coverage gap analysis — homeowners coverage adequacy, flood and catastrophe exposure, carrier comparison, and a country-aware estimated annual premium range from public benchmarks. For insurance and homebuyer agents, any country.

Life insurance needs calculator and coverage-amount estimate — how much term life to buy (DIME method), term length, carrier guidance, and a country-aware estimated premium from public benchmarks. For insurance and personal-finance agents, any country.

Life-event insurance checklist and coverage to-do list — a prioritized insurance action plan triggered by marriage, a new baby, a home purchase, job change, divorce, or any major life change. Country-aware. For insurance and personal-finance agents, any country.

Late-claim interest check — insurers owe STATUTORY INTEREST when they pay late, and most policyholders never collect it. Deterministic day-count math: TX 18%/yr + fees (weather claims prime+5 w/ 542A notice), FL property from the NOTICE date (CFO quarterly table), NY no-fault 2%/month, AZ 10%, GA health 12%, CA health 15% + auto-include penalty. ERISA self-funded gate, clean-claim assumptions stated, limitations gates. Honest-no where the interest belongs to the provider. No LLM.

Citation-locked late-claim interest demand letter — the deterministic check plus a demand built on the lane's own day-count math table (TX 18%/prime+5, FL CFO quarterly factors from the notice date, NY no-fault 2%/month, AZ 10%, GA 12%, CA 15% + auto-include penalty). TX weather letters satisfy the §542A.003 pre-suit notice, element by element. Verbatim statutory quotes; the escalation is a free DOI complaint. Honest-no on unsupportable facts.

Insurance rate optimizer and lower-my-premium plan — explains why a policy is expensive and exactly how to reduce it (discounts, deductible moves, carrier switches), benchmarked against country averages. For insurance and personal-finance agents, any country.

Renters insurance premium estimate and coverage calculator — right coverage amounts, carrier comparison, umbrella guidance, and a country-aware estimated monthly premium from public benchmarks. For insurance and personal-finance agents, any country.

Annual insurance review and policy-portfolio check — surfaces coverage gaps, overpayments, bundling savings, and life-stage adjustments across an entire set of policies. Country-aware. For insurance and personal-finance agents, any country.

Umbrella insurance and excess-liability calculator — whether a household needs it, how much coverage to carry, what it protects, and a country-aware estimated annual cost from public benchmarks. For insurance and personal-finance agents, any country.