Most people don’t know if their protection strategy is working until it’s too late.
LifeDesignIQ™ helps identify potential protection gaps, existing coverage considerations, underwriting issues, and strategic planning opportunities before another insurance decision is made.
Preliminary preview only. Your full personalized analysis appears below after you complete the profile.
Designed to reduce confusion before a life insurance decision is made.
LifeDesignIQ™ leads with planning clarity, then connects you with an advisor for underwriting, carrier selection, and policy design review.
Diagnose before quoting
Identify coverage gaps, income exposure, estate liquidity needs, and policy design considerations before comparing products.
Underwriting matters
Different carriers can view the same health and financial profile differently. One class difference can materially change premium cost.
Strategy-first guidance
The goal is not a cheap online quote. The goal is the right structure, the right carrier, and the right next step.
Run the LifeDesignIQ™ Analysis
Use a guided profile to estimate planning direction. The system will estimate the protection period automatically so clients are not forced to guess.
Client Profile
Guided inputOptional: Current Policy & Underwriting (improves lead quality)
Your Contact Info (required to send results)
Strategy Intelligence Output
Pending AnalysisComplete the profile to see your result
Protection Risk Score: —
Your summary will update as profile details change.
What This Result Means
Your score interpretation will update here.
Why You Received This Score
What Happens Next
Important Disclosure
This score is a preliminary planning indicator. It is not a quote, underwriting decision, recommendation, or final insurance need calculation.
Important Legal & Planning Disclosure
LifeDesignIQ™ is an educational planning tool. The results shown are preliminary planning estimates based solely on the information entered by the user. The Protection Risk Score, score band, protection ranges, potential gap ranges, strategic planning indicators, and estate liquidity screens are not recommendations and should not be interpreted as insurance, investment, tax, legal, estate, actuarial, accounting, underwriting, or fiduciary advice.
Score & Methodology
The score does not determine eligibility, insurability, premium rates, carrier approval, suitability, or the amount or type of insurance that should be purchased. The protection range shown is derived from planning assumptions and may differ materially from the outcome of a full advisor review.
Existing Policy Review
The analysis does not fully review existing policy details including coverage amount, remaining term, conversion rights, policy ownership, beneficiary structure, carrier provisions, cash value, riders, premium schedules, underwriting classification, or contractual guarantees.
Estate Liquidity Screen
Estate liquidity calculations are preliminary screening estimates only and do not account for trust planning, portability elections, prior taxable gifts, state estate taxes, inheritance taxes, valuation discounts, charitable planning, deductions, future law changes, or other estate planning strategies.
Advisor Review Required
Final planning direction requires review of current policies, financial information, underwriting considerations, carrier guidelines, client objectives, tax circumstances, legal considerations, cash flow, and product suitability.
LifeDesignIQ™ is intended to identify planning topics that may warrant further review and should not be relied upon as the sole basis for any financial decision. Guarantees are based on the claims-paying ability of the issuing insurer. Premium financing, if discussed in a private review, involves additional risks including interest-rate changes, collateral requirements, loan renewal risk, policy performance risk, and possible loss of coverage.
What the protection period means
The protection period is the estimated number of years your household may need income replacement. LifeDesignIQ™ estimates it from your current age and expected retirement age, with a minimum planning period to avoid understating needs.
Advisor Interpretation
LifeDesignIQ™ does not replace underwriting. It helps identify where coverage, carrier selection, policy design, ownership, beneficiary structure, estate liquidity, and premium finance review may be appropriate.
Request a Private Strategy Review
Send the results to WPA and receive a fast response from an advisor.
This tool is for educational and preliminary planning purposes only. It does not constitute insurance, tax, legal, estate, actuarial, or investment advice. Protection ranges and coverage estimates are hypothetical and subject to underwriting, carrier guidelines, policy design, ownership structure, beneficiary design, suitability, and product availability. Premium financing involves additional risks including interest-rate changes, collateral requirements, loan renewal risk, policy performance risk, and possible loss of coverage. Guarantees are based on the claims-paying ability of the issuing insurer.
The WPA LifeDesignIQ™ 5-Layer Protection & Wealth Model
A proprietary framework for discussing protection, wealth transfer, policy design, and advanced planning with clarity.
1. Income Protection
Reviews the earnings that would need to be replaced if income stopped unexpectedly.
2. Liability Elimination
Evaluates mortgage, debt, business obligations, and specific funding needs.
3. Wealth Replacement
Protects progress already built and helps preserve long-term household stability.
4. Tax-Aware Growth
Evaluates permanent policy design where appropriate for long-duration protection.
5. Estate Liquidity
Reviews potential federal estate tax exposure only when estate value approaches or exceeds current exemption levels. Otherwise it is shown as not triggered under current law.
Underwriting Strategy
Aligns the client profile with carriers whose guidelines may be more appropriate for the case.
Start with clarity before choosing a policy.
A private review can refine the estimate, evaluate underwriting strategy, compare carrier positioning, and determine whether term, permanent, business, estate, or premium finance planning should be considered.
LifeDesignIQ Frequently Asked Questions
What is a protection gap analysis?
A preliminary review comparing estimated household protection needs against current known life insurance coverage, liquid savings, income replacement needs, debt, mortgage obligations, dependents, and estate liquidity concerns.
How is LifeDesignIQ different from a life insurance calculator?
Most calculators only estimate a coverage amount. LifeDesignIQ screens for protection gaps, underwriting complexity, carrier-selection issues, existing policy review needs, business owner planning, estate liquidity, and advanced policy-design considerations.
Is LifeDesignIQ a quote?
No. LifeDesignIQ is an educational preliminary planning engine. It is not a quote, recommendation, underwriting decision, suitability determination, tax opinion, legal opinion, or final insurance plan.
Why does underwriting strategy matter?
Different carriers can evaluate the same person differently. Health history, medication use, tobacco, travel, aviation, business ownership, financial profile, and policy design can all affect underwriting class, premium, and approval path.
Who should request a private LifeDesignIQ review?
A private review may be useful for high-income households, business owners, families with dependents, people with significant debt or mortgages, people with existing policies, and households with estate liquidity or advanced planning concerns.
What is the LifeDesignIQ Protection Gap Score?
An educational 0–100 indicator combining income replacement needs, debt, dependents, existing coverage, and liquid resources — used to prioritize a private review, not to price a policy.