Insurance Planning Resources
Break-even Calculator
The P&C Break-Even Calculator shows whether a client is better off paying insurance premiums or investing that money and covering the risk themselves, with a clear break-even year based on their coverage, claim odds, and expected returns. Use it to turn an abstract insurance question into a side-by-side number your client can see and act on.
Insurance Deductible Calculator
Holistiplan’s Deductible Optimizer Calculator, a financial planning tool designed to show clients the long-term benefits of opting for a higher insurance deductible. It uses mathematical projections to demonstrate how reinvesting the annual premium savings can create a compounding, self-insurance pool that outpaces the extra out-of-pocket risk over time.
ACV Estimator
This is an auto insurance planning tool that estimates your vehicle’s actual cash value based on its age, mileage, condition, and other factors. It then compares that value to what you pay for full coverage, helping you decide whether comprehensive and collision insurance still makes financial sense for your car.
Lifestyle Questions Checklist
This resource is built for financial advisors to systematically evaluate a client’s Property and Casualty risk. It uses strategic personal and lifestyle questions to uncover hidden exposures—such as new assets, home renovations, or liability risks—that standard insurance policy reviews might miss.
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Holistiplan’s Self-Insurance Calculator
A digital planning tool that models whether a client should self-insure against specific risks. It helps advisors visually demonstrate the long-term trade-offs by comparing potential fund growth from reinvested premium savings against the client’s actual loss exposure over time.
Rebuild Calculator and Financial Impact Analysis
Helps advisors determine if a client’s home is adequately insured based on actual reconstruction costs rather than market value. It provides a visual breakdown of potential out-of-pocket shortfalls following a total loss, allowing clients to see the exact financial impact of being underinsured.
Guides & Other Documents
Why Does P&C Matter?
A clear look at why property and casualty insurance belongs in your financial plan, not treated as a separate purchase. It shows how a Holistiplan P&C Review benefits the client, advisor, and insurance agent together, and what makes it different from simply shopping for the lowest premium.
Holistiplan’s Replacement Cost Guide
This guide helps financial advisors close the most common and most expensive gap in their clients’ homeowners insurance: the difference between what a policy says it will pay and what it actually costs to rebuild a home. Across five short pages, it breaks down replacement cost vs. market value, the policy language that quietly shifts cost back onto the homeowner, and how advisors can use Holistiplan’s Insurance Review calculator to make sure clients are covered for the real number.
P&C Seed Method Cheat Sheet
A five-step repeatable process for planting P&C review conversations during tax season, including a signal table of tax return flags, a one-sentence client script, a pre-built May follow-up email template, and a time-check showing the entire method takes roughly four minutes per client. Designed as a leave-at-your-desk reference advisors can act on immediately without any insurance expertise
P&C Planning Advisor Guide
A scenario-driven reference guide that illustrates four real coverage gaps – wrong policy form, missing umbrella, hidden exclusions, and ACV vs. replacement cost using side-by-side comparison tables showing what clients lost versus what they should have had. Closes with a four-step workflow showing how Holistiplan surfaces these gaps automatically in under three minutes.
Holistiplan’s P&C Getting Started Guide
A practical onboarding guide for advisors new to P&C reviews, addressing the three most common objections and walking through a real advisor case study with outcome metrics. Ends with a four-step action plan any advisor can start today using their existing client relationships and Holistiplan’s platform.
