Forward 360

Designed, not sold

An invitation to read your policy again.

Most policies are sold.
Few are designed.

A policy is bought in a moment:
a house, a child, a business.
Then the moment passes, and the policy is filed away.
The family changes. The business changes.
The policy does not.

It begins with the job.

Protect a family's income while it's being built.
Provide liquidity when an estate is settled.
Carry a partnership through a transition.
Pass something on.
When the job changes, the policy deserves a second reading.

Three things change quietly.

A term policy runs out, and its window to convert can close with it.
A permanent policy can fall short of the illustration it was bought on.
A family evolves, and the names on the paper still decide where the money goes.

What a designed policy looks like

A job you can say in one sentence.
An amount that follows from that job, and moves as life does.
Names that match your family today.
A second reading whenever life changes.

This is a minimal standard, rarely applied,
because a sale ends at the signature,
and design begins there.

Read yours with your Forward 360 team

Insurance discussions are offered by licensed Forward 360 professionals. A second reading is never a recommendation to replace a policy.

Questions people ask

Who can read my existing life insurance policy with me?
Licensed Forward 360 professionals read existing policies with you through forward360.io/life-insurance. You share only the policy's data page and, for a permanent policy, its in-force illustration — not the entire policy.
Should I keep a policy I bought years ago?
It depends on whether the policy still does the job it was bought for. A second reading checks four things: the job, the amount, the names on the policy, and — for term — the conversion window, or — for permanent — how it is performing against its illustration. It is a reading, not a recommendation to replace.
What is a term conversion window?
Many term policies can be converted to permanent coverage without new medical underwriting, but only until a date or age set in the contract. Once that window closes, the option is gone. The date is in your policy.
What is an in-force illustration?
A current projection from the insurance company showing how a permanent policy is expected to perform from today, based on its actual values. Comparing it with the illustration the policy was bought on shows whether it is on track.

Ideas worth exploring

We know the future will be different. Help us shape it — start with one question.

What would you love to see fixed in financial services today?

We read every one. Please leave out personal medical or account details.