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PolicyReveal
The X-Ray Engine Vol. I · No. 9 · September 2026
⊹ The Tool · Free for readers

Upload your policy. See what you actually own.

Illustrations are written to be admired, not understood. The X-Ray reads yours line by line — every participation cap, surrender charge, COI scale, and non-guaranteed footnote — and hands you a plain-English breakdown of what you're really holding.

  • AI flags common carrier "gotchas" by name — cap traps, surrender schedules, COI creep
  • Guaranteed vs. illustrated, side by side
  • One vetted independent agent reviews it and reaches out — switch or keep
  • One agent, not an endless list. No mass lead-selling. No captives.
Start your X-Ray
POLICYREVEAL · X-RAY ENGINE v2.4
Scanning · Whole Life Illustration · Carrier #4
Death benefit: $500,000 guaranteed
Premium structure: level $9,840/yr · non-vanishing
Year 10 cash value: illustrated $42K · guaranteed $19K
Surrender charge: 100% in years 1–5, sliding through year 14
Dividend rate: non-guaranteed · current 5.5%
Loan provisions: direct recognition · 5% fixed
Lapse risk: moderate after year 11 if dividends drop
Red flags04
Yellow flags02
Green02
⌬ How the X-Ray works · No signup wall

Four steps. You stay in the driver's seat.

This isn't a spam funnel. Your policy gets an AI X-ray, then one vetted independent agent — not a call center, not a partner list — reviews it and reaches out.

i
↑
— Step One

Upload your policy.

Illustration, in-force ledger, quote, or even a photo of the page. Anything you've got.

ii
⊹
— Step Two

Get the X-Ray report.

AI surfaces every cap rate, surrender charge, and gotcha, in plain English.

iii
⚖
— Step Three

One agent reviews.

A single vetted independent reads your X-Ray and reaches out with a straight recommendation.

iv
✓
— Step Four

Your call. Talk, or walk.

Take the conversation if it helps, or ignore it. No pressure, no callback storm.

▤ A sample X-Ray · Redacted

What the report actually tells you.

Red flag

Illustrated ≠ guaranteed

The 6.5% crediting rate drives the projection. The guaranteed floor is 2.0%. At the floor, this policy needs an extra $3,100/yr by year 12 to stay in force.

Red flag

Surrender wall

Cash value is locked behind a 14-year surrender schedule. Cancel in year 5 and you forfeit roughly 60% of what you've paid in.

Holds up

Death benefit is solid

The $500K base death benefit is fully guaranteed and not at risk from the crediting assumptions. If protection is the goal, that part works.

Holds up

Loan terms are fair

Fixed 5% loans with direct recognition — unremarkable, but not a trap. No hidden spread on borrowed cash value.

⛨ The privacy promise

Your data doesn't leave your control.

One agent, not a list.Your submission goes to a single vetted independent — never a partner network of buyers.
We don't sell your lead.No lead brokers, no callback farms, no reselling your info to a dozen call centers.
You can delete it.Ask us to purge your upload and report at any time and it's gone.
▶ Start your X-Ray

Have a policy? Let's read it.

Step 1 — upload your document. An illustration, in-force ledger, or quote (PDF, image, or screenshot). Step 2 — a few quick details and your consent, so your matched independent agent can follow up. That's it — no account required.

⤒
Drag your policy here, or choose a file
PDF or image · up to ~4 MB
Your document is read by our AI to build the X-Ray. It isn't stored — and nothing is shared until you choose to be matched with an agent.

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