Open Planning → Insurance to compare the household's current policies with Kerdora's coverage targets. The page separates the coverage areas into Income Protection, Property & Liability, and Other Coverage so an advisor can see what is adequately covered, what needs review, and what source data is missing.

Policy facts and planning conclusions serve different purposes. Use Profile → Insurance to maintain the household's policy records. Use Planning → Insurance to review coverage progress, modeled need, planning status, and surfaced insights. You can also select Add Policy inside an expanded Planning row; the new policy is saved to the same Profile policy records.

Kerdora creates these rows from the household's current people and property records:

Select a row to expand it. Use Expand All when reviewing the entire household. On the standalone page, Policy Summary opens the Insurance section of Financials.

The expanded row shows the current policies that contribute to that coverage area. Select Add Policy to create another policy, or select a policy row to edit its details. A Homeowners policy that is not linked to a current property is flagged so you can connect it to the correct property before relying on its result.

Kerdora currently calculates coverage progress and a derived coverage status for:

Long Term Care, Health, and Auto are captured and reviewed on the page, but they do not use the same current-versus-target calculator. Set their coverage status deliberately after reviewing the policy facts and client situation.

For a calculated row, Kerdora compares total current policy coverage with the modeled need:

The coverage field can remain Derived so it follows the calculation, or you can set a manual status. A manual status is an advisor conclusion; it does not change the current policy benefit or calculator inputs.

The Life calculator supports the current life-insurance methods and uses household data such as income, working years, debts, savings and investments, survivor income needs, years of support, burial expenses, and other method-specific assumptions. Current coverage comes from Life policies associated with that adult.

Open the row and inspect the method and every displayed input before using the target. A stay-at-home adult or a client with unusual support needs may require a different method or manual assumption.

The Disability calculator uses the adult's annual income and the selected percentage to cover. Current policy benefits are annualized before comparison. Confirm the benefit frequency on each policy so a monthly benefit is not treated as an annual amount.

The Homeowners calculator compares dwelling coverage with a target based on the linked property's value and target coverage percentage. Confirm that the policy is linked to the correct property and that the property value is current.

The Liability calculator uses household net worth as the target reference and compares it with current liability or umbrella coverage. Review the policy limit and the current Balance Sheet before relying on the gap.

If the target changes after another part of the plan is updated, that is expected. Derived income, assets, liabilities, property values, and household facts can flow into Insurance calculations.

Insurance rules can surface planning insights beside an affected row and in the Insurance insights area. Review the underlying policy and calculation before converting a finding. Select the available action to add a Change, then rewrite it as a clear recommendation with the correct amount, owner, and timing.

Use a Change for the planning outcome, such as increasing an adult's term coverage. Use a Task for implementation work, such as requesting an illustration or submitting an application.

Before adding Insurance content to a Guide or using the Financials Policy Summary, confirm:

The modeled need is a planning estimate. Use it to structure the advisor's review and client conversation, then apply professional judgment to the recommendation.