VSWi
InForce Intelligence
VSW InForce Intelligence LLC
Plan · Protect · Prosper
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A clear look at what you get.

Whether you own life insurance or advise clients on it, VSWi turns a stack of carrier statements into one organized snapshot — every policy, every risk flag, in plain English. Here's a preview of what each report looks like. The full detail unlocks with your first report.

01 Single policy 02 Multiple policies
Sample 01 · Single policy

Know exactly what you own.

snapshot · 1 policy

Upload a statement or describe the coverage. You get an organized snapshot of every policy — what it's worth, who owns it, and who it pays. The full report adds the riders, conversion details, and a plain-English summary of the facts on file.

Snapshot Preview
VSWi
VSW In-Force IntelligenceIn-Force Insurance Summary
Plan · Protect · ProsperIn-Force Summary
Prepared for
James Calloway
Policies
01
Total Death Benefit
$1,000,000
Date
June 01, 2026
Insurance SnapshotAbbreviated
InsuredPolicyDeath BenefitOwner / BeneficiaryRisk
James R Calloway MassMutual · 30-Yr Term
Level premium to 2050
 $1,000,000 Owner James R Calloway Bene Sarah A Calloway Low
Observations
  • Convertibility terms and available conversion products are worth confirming directly with MassMutual.
🔒 The full report continues
More observations
Policy Risk Detail
Client Summary — Plain English
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VSW InForce Intelligence is an organizational and informational tool only. Not financial, legal, or investment advice. All values should be verified with the issuing carrier. Not a substitute for advice from a qualified financial, tax, or estate planning professional.

© 2026 VSW InForce Intelligence LLC
Sample 02 · Multiple policies

Catch what an untrained eye would miss.

snapshot · 3 policies

Drop in several policies at once — including ones held inside a family trust — and VSWi organizes them into one schedule, surfacing the kind of detail an untrained eye can miss. Here, two policies are owned by the family trust and one by an individual, and one trust-owned policy lists an individual rather than the trust as its beneficiary — each noted in plain language, just as it reads in the full report.

Snapshot Preview
VSWi
VSW In-Force IntelligenceIn-Force Insurance Summary
Plan · Protect · ProsperIn-Force Summary
Client
Margaret Whitfield
Policies
03
Total Death Benefit
$8,500,000
Date
June 01, 2026
Insurance SnapshotAbbreviated
InsuredPolicyDeath BenefitOwner / BeneficiaryRisk
Robert & Margaret Whitfield Lincoln Financial · Survivorship GUL $5,000,000 Owner Family Trust Bene Family Trust Med
Robert T Whitfield Pacific Life · Universal Life $2,000,000 Owner Family Trust Bene Individual Med
Subtotal · Family Trust · 02 policies $7,000,000
Margaret Whitfield John Hancock · Indexed UL $1,500,000 Owner Individual Bene Family Trust Med
Subtotal · Individually owned · 01 policy $1,500,000
Observations
  • The family trust owns the Pacific Life Universal Life policy while the beneficiary is listed as an individual — worth confirming this structure directly with the carrier, and whether it reflects the intended arrangement.
  • The two trust-owned policies represent a death benefit of $7,000,000 for that owner group — trust-owned life insurance is commonly structured to position the death benefit outside the insured's taxable estate. Note that state-level estate taxes may still apply in certain jurisdictions regardless of federal exemption thresholds.
  • The John Hancock Indexed UL policy is owned personally rather than by the trust, with the family trust named as beneficiary. Life insurance owned personally is generally included in the owner's taxable estate — worth confirming this reflects the intended arrangement.
🔒 The full report continues
More observations
Per-policy risk notes
Client Summary — Plain English
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Unlocks the full observations, the figures, per-policy risk notes, and a plain-English summary of every policy.
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VSW InForce Intelligence is an organizational and informational tool only. Not financial, legal, or investment advice. All values should be verified with the issuing carrier. Not a substitute for advice from a qualified financial, tax, or estate planning professional.

© 2026 VSW InForce Intelligence LLC
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