Step 1: Reveal What Your Policy Is Actually Built to Do
Upload your policy illustration — or explain what you were shown when you bought it.
We don’t just look at surface numbers.
We examine how the policy is designed to behave over time — including assumptions that are rarely explained and risks that don’t appear until years later.
Most people were never shown this layer.
Step 2: Separate Promises From Reality
We break your policy down into plain English and answer questions most agents avoid:
- What is guaranteed vs. merely illustrated
- How costs actually rise over time
- Whether funding is sufficient — or quietly setting you up for failure
- Where small design choices create large long-term consequences
This is where many people discover that what sounded solid was built on fragile assumptions.
Step 3: Get a Clear, Unfiltered Verdict
You don’t get a pitch.
You get a diagnosis.
Your policy will fall into one of three categories:
- Sound — built to do what it claims
- At Risk — dependent on assumptions that may not hold
- Mis-designed — structurally unlikely to work as intended
If it’s solid, we’ll tell you that.
If it isn’t, we’ll show you why — clearly, calmly, and without pressure.
Step 4: Decide With Certainty — Not Sales Pressure
What happens next is entirely up to you.
Keep the policy.
Walk away.
Or explore alternatives — knowing exactly:
- What it will cost you
- What it can realistically deliver
- What happens if nothing changes
No urgency.
No obligation.
Just clarity most people never get until it’s too late.
Most policy failures don’t announce themselves.
They surface quietly — years after the decision was made.
PolicyDoctor exists to bring that moment forward — while you still have options.