Kerdora captures 7 types of insurance, and 4 of them have built-in calculators that size coverage against need. The other 3 are data capture only for now, but that data still feeds the rules engine.

| Type | Calculator? |

|---|---|

| Life | Yes |

| Disability | Yes |

| Homeowners | Yes |

| Liability (Personal/Professional/Umbrella) | Yes |

| Health | Capture only |

| Auto | Capture only |

| Long-Term Care | Capture only |

Profile > Insurance. Each type has its own table where you can add policies and edit the key coverage fields inline. Click the gear icon on any row to open the full detail drawer.

Planning > Insurance. This page is organized into 3 sections:

The 4 types with calculators show a coverage progress bar comparing current coverage to the calculated target. The other 3 show policy data only.

Policy name, insurance type (Term, Whole, Universal, Variable, Group, Other), insured person, death benefit, cash value (for permanent policies), primary beneficiaries, policy start date, term length or end date, convertibility and conversion deadline, premium amount and frequency, premium duration, policy number, carrier.

Calculator: sizes a death benefit target based on income replacement, debts, and dependents.

Policy name, insured, policy type (Group or Individual), benefit type (monthly $ or % of salary), benefit amount, benefit period, elimination period, own-occupation toggle, benefit taxable toggle, benefit inflation rate and type, insured, policy end date (for individual), premium, carrier.

Calculator: sizes a monthly benefit target against the insured's income.

Policy name, linked property, dwelling coverage, personal property limit, dwelling deductible, wind & hail deductible, premium amount and frequency, policy number, carrier, policy end date.

Calculator: sizes dwelling coverage against the property's replacement cost.

Policy name, subtype (Personal Liability, Professional Liability, Umbrella Policy, Other), coverage amount, premium, policy number, carrier, policy end date.

Calculator: sizes an umbrella coverage target against household net worth and income exposure.

Policy name, deductible per person, out-of-pocket max, HDHP toggle.

Policy name, carrier, premium and frequency, policy end date, bodily injury per person, bodily injury per occurrence, property damage limit, UIM bodily injury per person, collision deductible, comprehensive deductible, medical payments, policy number.

Policy name, subtype (Traditional LTC, Hybrid Life/LTC, Hybrid Annuity/LTC, Other), owner, daily benefit, benefit period, elimination period, inflation protection (None/Simple/Compound), premium, policy number, carrier.

Observations still reads every insurance type. Even without a sizing calculator, entering the policy lets the rules engine flag gaps (missing HDHP with an HSA opportunity, low auto liability limits, no LTC for a client in their 50s, etc.). Data capture is the floor. Calculators are the ceiling.