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How It Works
From upload to client-ready report in four simple steps.
Upload the Policy
Upload a PDF or scanned copy of your existing life insurance policy. The tool extracts the contract language, declarations, riders, and exclusions.
Decode the Fine Print
AI explains complicated provisions in plain English, identifies limitations, distinguishes guaranteed from non-guaranteed benefits, and cites the relevant policy pages.
Personalize the Analysis
Answer questions about your mortgage, income, dependents, budget, and goals. The tool explains how your existing policy aligns with your priorities.
Generate a Report
Get a personalized summary, coverage timeline, potential risks, questions to ask the carrier, and optional recommendations for review with a licensed professional.
Protection starts with understanding
Your family's financial security depends on the fine print in your life insurance policy. We make sure you know exactly what it says — and what it doesn't.
More than a PDF summarizer
Six modules that function like a personalized policy analyst.
Policy Decoder
Automatically extracts and explains death benefits, premiums, riders, exclusions, grace periods, lapse provisions, contestability, and conversion rights.
Client Needs Profile
Customize the analysis based on mortgage, income, dependents, savings, budget, and long-term goals. The report emphasizes what matters most to each client.
Coverage Gap Analyzer
Compare the existing policy against the client's needs. See the shortfall, understand the assumptions, and account for other assets and coverage.
Future Policy Simulator
Model what may happen over time: term expiration, premium changes, cash value growth, and policy loans. Guarantees are always distinguished from projections.
Ask Your Policy
Ask questions like "Can my premiums increase?" or "Can I borrow from this policy?" Each answer cites the policy provision or clearly says when it cannot answer.
Client-Ready Report
Generate a professional report with a policy summary, plain-English explanations, personalized analysis, potential concerns, and questions for the insurer.
Real people, real savings
See how a 15-minute policy review helped our clients find hidden money.
“15 minutes on a call with Perci saved me $1,500 a year. They found a rider I was paying for that duplicated coverage I already had through work. I had no idea.”
James M.
Verified Google Review
“My premium was $180/month for a $250k term policy. After the review I found out I was overpaying by $60/month for a rider that had expired. That's $720 back in my pocket every year.”
Sarah R.
Verified Google Review
“I'd been paying for a whole life policy for 8 years and didn't understand a single page of it. The free review showed me the cash value was barely growing. I switched to a better plan and saved $1,500 in the first year alone.”
David P.
Verified Google Review
“Honestly the best 15 minutes I've spent. They caught that my policy's term was about to expire in 2 years and nobody had told me. I locked in a new rate before it was too late. Saved me from a massive premium jump.”
Maria K.
Verified Google Review
“I was paying for an accidental death rider that was already included in my base policy. The review caught it in 15 minutes. Cancelled the duplicate and saved $1,500 a year. Wish I'd done this years ago.”
Thomas L.
Verified Google Review
$1,500+
Average annual savings per client
15 min
All it takes to find hidden money
5.0
Google rating from verified clients
Customized for each client
Instead of giving every client the same report, Perci lets them choose what matters most. The questionnaire determines which provisions to emphasize, how to calculate coverage needs, and what questions to raise.
Example Client Questionnaire
The answers shape the entire report
What are your main priorities?
What type of policy do you have?
Preferred explanation style
A report you can share with clients
Professional, branded, and easy to understand — with citations to the actual contract.
Policy Summary
Death benefit, premium, term length, policy type, carrier, and key dates — all on one page.
Fine Print Decoded
Each provision explained in plain English, with the original contract language alongside it.
Risks & Questions
Potential gaps, ambiguities, and specific questions to verify with the insurer — prioritized by importance.
Want a professional to walk you through it?
Book a free policy review with a licensed representative. We'll go through your analysis together, answer your questions, and help you understand whether your current coverage still fits your needs.
Free Policy Review Call
Speak with a licensed representative
30 minutes
Your schedule
Free
None
What to expect
- A personalized walkthrough of your policy analysis
- Clear answers to your questions about the fine print
- An honest assessment of whether your coverage fits your needs
