Policy Stack
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The Operating System for Whole Life Banking

Your banking systemis already working.Can you see it?

Think long range. Track policies, loans, and deployments in one place. See how capital flows through your system — full clarity, full control.

Free forever for one policy. No credit card required.

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See your system in one place.

app.policystack.co/dashboard
Dashboard
⌘K
J

Your Banking System

$156,420

+$4,280past 30 days

3 policies · 4 deployments earning ~$1,847/mo · 30% deployed

NET CV?A

$109K

CAPITAL IN USE?A

$47.2K

30% of total CV

CASH FLOW?A

~$1.8K/mo

System Trajectory
1M3M6MYTD
Net CV
Total CV
Utilized
Policy Breakdown
In Use
Available
New York Life - Growth$72,450
Penn Mutual - Family$42,770
Mass Mutual - Foundation$41,200
Data Freshness
All policies up to date

Last snapshot: 2 days ago

3 of 3 updated in last 30 days

AI Insights

Your system velocity increased 18% this quarter. Penn Mutual policy is approaching optimal deployment capacity.

Ask anything about your system →

Upcoming
NYL Premium$1,200
PM Restoration$850
Note Payment In+$2,400
“

If you understand what's really happening, you'll know what to do.

R. Nelson Nash

You've built something sophisticated. You're tracking it with something that isn't. Policy Stack replaces the spreadsheet with purpose-built infrastructure that understands whole life banking.

NNI-authorized practitionersEvery carrier supportedReplaces your spreadsheetMulti-policy households

Features

Precision tools for serious practitioners

Built for practitioners running multiple policies, loans, and deployed capital.

Every policy, one dashboard

Track cash value, death benefit, premiums, and loan balances across all carriers. Upload screenshots — we extract the numbers.

Know your loan position

See which policies are leveraged and by how much. Track restoration progress. Never wonder about your loan position again.

Capital deployment tracking

Follow capital from policy loan to deployment and back. Cash flow schedules, note progress, and maturity dates — the full cycle, tracked.

9 advanced analytics tools

Model income stacking scenarios, run debt sequencer comparisons, and project vehicle financing — plus 6 more tools for every decision in your banking system.

System intelligence

Weekly analysis of your banking system. Velocity trends, system-level trends, and metrics that matter.

Goal tracking

Emergency fund. Rental down payment. Passive income target. Link goals to specific policies and track progress.

Banking system statements

Generate bank-style PDF statements filtered by policy, insured, or carrier. Export the data you need — loans, restorations, premiums — with full control over columns and date ranges.

Every policy, one dashboard

Track cash value, death benefit, premiums, and loan balances across all carriers. Upload screenshots — we extract the numbers.

Know your loan position

See which policies are leveraged and by how much. Track restoration progress. Never wonder about your loan position again.

Capital deployment tracking

Follow capital from policy loan to deployment and back. Cash flow schedules, note progress, and maturity dates — the full cycle, tracked.

9 advanced analytics tools

Model income stacking scenarios, run debt sequencer comparisons, and project vehicle financing — plus 6 more tools for every decision in your banking system.

System intelligence

Weekly analysis of your banking system. Velocity trends, system-level trends, and metrics that matter.

Goal tracking

Emergency fund. Rental down payment. Passive income target. Link goals to specific policies and track progress.

Banking system statements

Generate bank-style PDF statements filtered by policy, insured, or carrier. Export the data you need — loans, restorations, premiums — with full control over columns and date ranges.

Pricing

Start free. Upgrade when you're ready.

Starter
$0
forever
  • 1 policy, unlimited loans
  • Manual Policy Snapshot updates onlyNo AI document extraction.
  • 5 deployments, 5 goals
  • 3 strategic toolsDebt Sequencer · Borrowing Strategy · Vehicle/Equipment
  • Promissory Note TrackerTrack notes receivable, payments, and amortization schedules.
  • AI Assistant for helpGet answers about Policy Stack and whole life banking concepts.
  • 250 MB document storage
  • Net Worth Tracker
  • AI Insights
  • Document extraction
  • Advanced analytics
  • Export

Coming Soon!

Most Popular
Builder Pro
$18/mo billed annually
14-day free trial
  • Everything in Starter, plus:
  • Unlimited policies, loans, deployments
  • AI Assistant — full mode, unlimitedAsk questions about your policies. Strategize. Upload documents. Update data.
  • AI Insights — unlimitedPersonalized strategy analysis powered by AI.
  • Smart Document ExtractionUpload statements or carrier screenshots — values populate automatically.
  • Advanced Analytics
  • All 9 strategic toolsCapital Velocity · System Runway · Restoration Scenarios · Cash Value Projector · Income Stacker · Family Banking Engine
  • CSV + PDF export
  • Shareable URLs for strategic tools
  • Partner collaboration
  • Unlimited storage

Coming Soon!

Banker ProComing Soon

Promissory note servicing for practitioners lending within their family banking system. Everything in Builder Pro, plus note management, payment tracking, and amortization tools.

Coming Soon!

For Whole Life Professionals

Scale your practice. Delight your clients.

Give your clients Builder Pro from day one — more value, more reason to refer, more reason to stay. A CRM that speaks Whole Life. Scenario tools your clients can see. Pipeline tracking from first conversation to policy issued. Purpose-built practice infrastructure — not another generic CRM.

10–50+
Client seats per plan
30 days
Free trial on every plan
$25
Referral credit per client
Scale Your PracticeSee Advisor Pricing →

Start with a 30-day free trial. Plans from $49/month.

Policy Stack

Policy Stack helps whole life banking practitioners track, model, and manage their banking system with full clarity, integrity, and control.

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The Infinite Banking Concept® and Becoming Your Own Banker® are registered trademarks of Infinite Banking Concepts, LLC. Policy Stack is independent of and is not affiliated with, sponsored by, or endorsed by Infinite Banking Concepts, LLC or the Nelson Nash Institute. Policy Stack helps whole life banking practitioners track, model, and manage their banking system with full clarity, integrity, and control.

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