IBC Lab (new)
Interactive sandbox for the Infinite Banking Concept — model premiums, paid-up additions, dividends, 7-pay MEC limits, and policy loans with your own numbers.
Open the IBC Lab →Free tools
Run the numbers before you ever talk to an agent.
Three calculators I built so Texas households can pressure-test their own coverage decisions — no email gate, no upsell.
Health Class Predictor
Answer a few questions about your health, build, and history to estimate the underwriting class carriers will likely offer — Preferred Plus down to Standard or Table-rated.
Predict my class →Policy Ladder Visualizer
See how stacking 10/20/30-year term policies can cut total premium versus a single 30-year policy while still covering your highest-risk years.
Visualize a ladder →Life Policy Pilot Navigator
Walk through goals, budget, and household structure to see which product family — term, IUL, whole, or final expense — actually fits your situation.
Open the navigator →Three-Step Policy Audit
Run a quick three-step audit on an in-force policy to spot premium drift, underperforming cash value, and coverage gaps before your next review.
Audit my policy →Tools open in a new tab on Streamlit. They're estimates for education — final rates and product fit come from carrier underwriting and a conversation.
Want a human to interpret the output?
Bring your numbers to a 20-minute call. I'll tell you what's realistic and what carriers will actually approve.