Your plan assumes the house, the liability and the income are covered. CoverScore checks.
A whole-household review for every client family, read from their own documents and scored against public data. We place nothing and are paid by nobody but you, so a fiduciary can hand it to a client with nothing to disclose.
Win the first meeting. Ground the plan. Have a reason to call.
Clients rate advisors on whether they reach out before a life event, not after. This is what you reach out with.
Something about their life, before they share a statement.
A prospect gives you an address. You walk in with a property and privacy read on their household, under your own letterhead, and the conversation starts with them rather than with your fee schedule.
- A prospect report branded to your practice
- A pre-filled intake link for your confirmation email
- No questionnaire; public data and their own documents
The review the plan has to rest on.
The plan assumes the house, the liability and the income are covered. CoverScore reads the declarations pages your onboarding packet already asks for and says what they actually cover.
- Liability limits set against the stated asset position
- Term and disability definitions that outlast, or do not outlast, the obligation
- Low-confidence reads become questions for the client, never findings
A reason to call that is not the index.
Each household is re-read against the registry on a schedule. The worklist tells you who moved, who has an unanswered finding, and who has a date coming up.
- Sorted by open findings and dated events, not by review month
- An agenda item per household, with the page it came from
- Flags for senior clients stay inside your view
Who to call this month, and the page that says why.
Every line points at a page and a verbatim fragment from the client’s own document, or at a registry row. Nothing here is a product or a limit to buy.
| Household | What we found in their documents | Open with them |
|---|---|---|
| Household A Couple, 52 · two teen drivers | Umbrella limit sits below the stated net worth; underlying auto limits qualify for more | Open with the liability picture |
| Household B Couple, 44 · mortgage to 2041 | 20-year term expires 2028; the obligation it was bought for runs past it | Diary the conversion window |
| Household C Widow, 78 · lives alone | Credential and data-broker exposure flagged; no trusted contact on file | Senior-client procedure |
| Household D Couple, 61 · second home | Nothing outstanding; roof age on the coastal property is the next date | Nothing this quarter |
Anything read below our confidence threshold does not appear here at all; it becomes a question for the client instead. Senior-client flags are shown to you only, never to the client or a third party.
One page on how the whole practice is covered.
Counts by finding type, no names. Show it to a partner, a compliance consultant or a prospect who asks how you look after clients.
Liability below stated assets
Households where the umbrella or underlying limit is lower than the asset figure on file
Term ending before the obligation
Life or disability cover that expires before the mortgage, tuition or support it was bought for
Senior-client exposure flags
Households aged 70+ with credential, broker or contact gaps flagged
Documents outstanding
Households where a read fell below the confidence threshold and a question is open
Quarterly, exportable, no client identifiers. The counts come from your households; we publish none of them.
It lives in your stack, not beside it.
A tool outside the CRM gets opened twice. Findings go where your tasks already are.
Redtail, Wealthbox, Advyzon
Findings will export as tasks (CSV first, direct push later); in the beta we hand you the worklist
eMoney, RightCapital, MoneyGuide
Net-worth and obligation figures come in from your plan export; we never ask the client twice
Your onboarding packet
In the beta you forward the policies and we set the household up; a per-household intake link to sit beside your statement request is on the roadmap
The questions your CCO will ask, answered before the call.
Written for the vendor-oversight file. The full due-diligence packet and a plain-language data-processing addendum are available on request.
Who owns the client data?
The client owns their documents and keeps their own account. You own the review, the findings log and the relationship. We process both under a written agreement and delete on request.
Will you ever contact my clients?
No. Households that arrive through an advisor are tagged at creation and excluded from every consumer campaign, publisher embed and partner list. That is in the contract, and it is enforced in the data model, not in a policy document.
Is this insurance advice?
No. A finding states what the document says and where the household sits against public data. It never names a product, a limit to buy or a carrier. You decide what to say.
What does your due diligence look like?
A written information-security overview, a named sub-processor list, a data-flow diagram, a 72-hour incident-notification commitment and a deletion-on-termination clause, in one packet, on request. Row-level access is proven by tests in the repository, not described in a slide.
Can I use the score in marketing?
A household score describes the household, never the adviser, and every figure cites its source with a public, versioned methodology. Advisor-branded reports carry no referral rows and no third-party logos, so the usual third-party-rating questions do not arise. Check it with your own compliance counsel; we will join the call.
Is there a revenue share?
No. You pay per household, once a year. Nobody pays us for where a policy lands, and we place nothing. There is no conflict to disclose because there is none.
Methodology and sources are public: how the score works · every source we cite · trust and data handling.
Per household, per year. Flat.
Free for the whole beta. Priced per household you serve afterwards, with no seat count, no revenue share and nothing tied to a placement.
Every household, every lens, the practice report.
One number for the practice, set by households served.
No carrier pays us. No placement pays us.
Twenty minutes, your households, our screen.
We are onboarding a small number of planning-led practices for the beta, with their first twenty households set up by hand.