Inflexible carrier tools
Standard tools don't allow parameter customization or side-by-side product comparison. Every illustration requires hours of manual work.
For insurance advisors
Model annuities
with investments.
Compare annuities and investment portfolios in one retirement income projection. Show clients how each option contributes to the plan, then build a personalized proposal.
Book a demo ↗Compare the approaches.
Annuity approachContract assumptions
Portfolio approachMarket assumptions
Side by sideIncome considerations
Trusted by leading advisory firms
Investipal helps insurance advisors across the United States and Canada model annuities, build proposals, onboard clients, and manage follow-through with Alpha and Billing & Payments.
10min
From modeling to signed proposal
100%
Customize every annuity parameter
10+
Hours saved per week
A clearer starting point
Carrier tools show only part of the plan.
Carrier tools limit advisor flexibility. Manual processes slow teams down.
Slow proposal creation
Formatting charts, writing explanations, adding disclosures. Manual proposal creation is time-consuming and error-prone.
Incomplete client picture
Showing insurance products in isolation doesn't help clients understand how they fit into their complete retirement income strategy.
Inside the workflow
Bring insurance into the investment conversation.
Five steps for modeling, proposals, onboarding, follow-up, and billing
Compare the approaches.
Annuity approachContract assumptions
Portfolio approachMarket assumptions
Side by sideIncome considerations
Step 01
Model Any FIA with Full Control
Configure participation rates, caps, floors, spreads and crediting methods. Compare annuities and run Monte Carlo projections with confidence bands and probability analysis.
Step 02
Combine insurance and investments
Combine annuities and investment portfolios in one Monte Carlo projection to show total retirement income.
A clearer recommendation.
Risk profileFinancial planManual
RetirementBalanced allocation
Existing
Proposed
ExistingProposed
Portfolio comparison→ Proposal
Step 03
Generate Professional Proposals Fast
Turn annuity analysis into a proposal with charts, projections and recommendations. Use client-friendly visuals to explain the products.
Your next chapter.
Review your documents✓
Confirm your details✓
Complete onboarding→
Step 04
Send the Client Through Secure Onboarding
Send one secure portal link for document review, advisory agreements and required client tasks.
Step 05
Keep Advisory Billing Connected
Assign advisory fees, collect by ACH or card and review billing history from the client record.
In good company
In our clients’ words.
Investipal has completely transformed how we approach client onboarding and portfolio management. The AI-powered tools save us countless hours while delivering better outcomes for our clients.
Investipal has been a game-changer for our firm. It really had become an efficiency multiplier for our assistants and back office. It's an indispensable tool for any advisory firm looking to thrive in today's competitive market.
Why Insurance Advisors Choose Investipal
Built for advisors who sell annuities and life insurance
Model Any Annuity Product
Full control over participation rates, cap rates, floor rates, spreads, and crediting methods for any FIA.
Compare the approaches.
Annuity approachContract assumptions
Portfolio approachMarket assumptions
Side by sideIncome considerations
INVESTIPAL / YOUR CONNECTED PRACTICE01 / 06
Monte Carlo Projections
Show confidence bands and probability analysis. Clients see the range of possible outcomes, not just best-case scenarios.
A range of possibilities.
ContributionsWithdrawalsTime horizon
TodayPlanning horizon
Potential outcomesConceptual projection
INVESTIPAL / YOUR CONNECTED PRACTICE02 / 06
Unified Retirement Planning
Combine insurance products with investment portfolios to show complete retirement income projections.
A purpose for each part.
Near termSpending needs
Medium termPlanned expenses
Long termFuture goals
INVESTIPAL / YOUR CONNECTED PRACTICE03 / 06
10-Minute Proposals
Go from modeling to signed proposal in under 10 minutes. Auto-generated proposals with charts and disclosures.
A clearer recommendation.
Risk profileFinancial planManual
RetirementBalanced allocation
Existing
Proposed
ExistingProposed
Portfolio comparison→ Proposal
INVESTIPAL / YOUR CONNECTED PRACTICE04 / 06
Built-In Compliance
Required regulatory disclosures included automatically. No risk of missing disclosures or compliance issues.
RECOMMENDATION DOCUMENTATION
The reasoning behind the recommendation.
Client objectivesRisk profileCosts & fees
Advisor rationale
Recommendation detailsIncluded
DisclosuresFor review
Draft documentationAdvisor review
INVESTIPAL / YOUR CONNECTED PRACTICE05 / 06
Close More Business
Professional visualizations and complete retirement income projections help clients understand and commit.
A clearer recommendation.
Risk profileFinancial planManual
RetirementBalanced allocation
Existing
Proposed
ExistingProposed
Portfolio comparison→ Proposal
INVESTIPAL / YOUR CONNECTED PRACTICE06 / 06
A few things to know.
What annuity products does the platform support?
The platform supports any fixed indexed annuity (FIA). Configure participation rates, cap rates, floor rates, spreads, and crediting methods. Model accumulation periods, withdrawal strategies, COLA adjustments, and premium structures with full control.
Can advisors combine insurance products with investment portfolios?
Yes. Model annuities alongside investment portfolios to show complete retirement income projections. See how insurance products fit into the overall retirement strategy, not just as standalone products. Run unified Monte Carlo projections showing total retirement income from all sources.
How long does it take to create an annuity proposal?
Most advisors go from modeling to signed proposal in under 10 minutes. Configure the annuity parameters, run projections, and Investipal auto-generates a professional proposal with charts, comparisons, and disclosures. Customize the template once, then auto-generate for every client.
Does the platform support Monte Carlo projections for annuities?
Yes. Run Monte Carlo projections showing retirement income with confidence bands and probability analysis. Show clients the range of possible outcomes, not just the best-case scenario. Compare probability of success across different products and funding strategies.
Does Investipal include compliance disclosures?
Yes. Every proposal includes required regulatory disclosures automatically. No risk of missing disclosures or compliance issues. Customize disclosures once in the template, and they are included in every proposal. Clients tap accept directly from Investipal and signatures are captured automatically.
Alpha ↗
Use Alpha to turn modeling decisions into tasks, proposals, and operational follow-up inside Investipal.
Billing & Payments ↗
Run advisory fee billing and payment collection in the same system that supports proposal and onboarding workflows.