Built for Infinite Banking practitioners

Every policy.Every loan.One calm view.

Policybean brings your whole-life policies, cash values and policy loans into one place, so you always know where you stand and what borrowing from yourself is saving you.

Start free See what's inside

Free plan, no card neededPDF statements read for youLight and dark roast

The Policybean dashboard in dark mode: total cash value, loans outstanding, net bank position, opportunity savings, a portfolio bar chart and a loan utilization ring

PDF statement import●Policy loan tracking●Illustration vs actual●Loan utilization●Opportunity savings●Activity history●Light and dark roast●

Your policies are a family bank. Policybean is the ledger that finally shows you what it's doing.

Features

Everything your policies do, made visible.

From the first statement you drop in to the interest you'd otherwise hand a bank, every number lives in one place.

Import a statement. Skip the typing.

Drop in your annual PDF. Policybean reads the cash value, premiums and loan balance, then lets you review before anything is saved.

25 imports on the free plan

Loan utilization at a glance

See how much you've borrowed against cash value, with a ring that turns amber, then red, as you climb.

Healthy: IBC practitioners typically stay under 50%

Your whole portfolio, in one position

Total cash value, loans outstanding and your net bank position across every policy, charted over the range you pick.

Cash value

Loans outstanding

Net bank position

Light or dark roast

Parchment by day, espresso by night. Your call.

Illustration vs actual

Hold your policy to what its illustration promised, year by year.

ActualIllustratedSample data

Every borrow and repayment

Log loans against your policies. Record your repayments, so the balance always tells the truth.

How it works

From a stack of statements to a clear picture in three steps.

1
Add your policies
Name each policy, its carrier and type. Whole life, universal life: all in one list.
2
Drop in a statement
Upload the annual PDF and review what Policybean pulled out before you save it.
3
Borrow, repay, watch it work
Log loans as they happen and watch utilization, net position and savings update.

Hands holding a ceramic coffee mug at a sunlit wooden table, a jar of coffee beans behind

Kept in your family bank

Opportunity savings

Borrow from yourself, and see what it saves.

Policybean compares the interest you pay back into your policy with what a bank would have charged for the same loan, so the value of your strategy is a number, not a hunch.

Interest paid to policy$515

Would have paid a bank$713

Sample figures from the dashboard above

Pricing

Start free. Upgrade when you outgrow it.

Free

$0forever

Everything you need to track one policy.

1 policy
3 loans, with unlimited repayments
25 PDF statement imports
Illustration-vs-actual comparison
Cash value and loan balance charts

Pro

It starts with one policy.

Add your first policy in a minute. Your whole family bank, in view, for free.

Create your free account