P&C State Planning Hints

P&C State Planning Hints is a section inside the Holistiplan P&C Insurance Report that surfaces state-specific planning observations based on the client's state of residence on the household record. Each hint connects a P&C coverage consideration to the tax, estate, or liability planning context that varies by state. The section populates automatically. No additional data entry is required.

Financial advisors are already having tax and estate planning conversations with clients. What is often missed is where those decisions intersect with P&C insurance in ways that vary significantly by state. A client in Georgia has homestead protection capped at $50,000, meaning $750,000 of an $800,000 home equity position is reachable by a judgment creditor from an uninsured liability event, a very different planning conversation than the same client in Texas where homestead protection is unlimited. The hints give advisors the state-specific context to identify those gaps and have more complete planning conversations. The advisor is not being asked to render a legal opinion, they are being given the planning context to ask the right questions and refer to the appropriate expert when needed.

It is a new section inside the existing Holistiplan P&C Insurance Report. There is nothing new to enable, purchase, or configure. It is available to all firms using the P&C report and will appear automatically when a client's state is on file in the household record. It launches in August 2026.

The following categories are available at launch, with additional categories added over time:

• Valued Policy Law: how state law affects total loss payouts and the tax implications that follow, including capital gains and the cost of being underinsured.
• Homestead Exemption: how much primary residence equity is protected from creditor claims in the client's state, and what that means for liability coverage sizing.
• IRA and Retirement Account Protection: how state law protects retirement assets from creditors, where inherited IRAs may be more vulnerable, and how the rollover decision can shift the protection framework.

The State Hints section appears at the end of the P&C Insurance Report, after all document insights. It is visible to both the advisor and the client in the client-facing report. Advisors can hide the section on a per-household basis using the Show in Report toggle, which is on by default and persists across sessions.

No. The hints are observational. Each hint describes how state law or market conditions interact with a client's planning picture. No hint tells a client what to do, makes a recommendation about legal structure, or renders an opinion on a specific client's legal situation. The hints are written to surface a planning consideration and point toward the right expert, not to substitute for legal counsel.

No. Hints that touch tax territory, such as the Section 121 exclusion on a home sale or depreciation recapture on a rental property loss, describe the relevant tax rules as planning-relevant facts and note where a CPA should be involved. They do not calculate tax liability, render a tax opinion, or recommend a specific tax position for a client.

No. No hint recommends specific coverage amounts, carriers, policy types, or coverage decisions. The hints describe how state law or planning considerations interact with a client's coverage picture and leave all coverage decisions to the insurance professional and the client. The same observational framing used throughout the existing Holistiplan P&C report applies to this section.

The existing P&C Insurance Report disclaimer applies to the State Hints section. The hints are a section of the same report and are covered by the same disclaimer that applies to all other content in it. No additional disclaimer is added.

No. The hint content comes from a reviewed content library, not an AI generation process. Content is deterministic and consistent. A client in a given state sees the same hint every time the report is opened. The library is maintained by Holistiplan's internal team and subject to expert review before go-live.

No. Hints are read-only. Advisors can hide the section on a per-household basis but cannot edit, add, or modify hint text. The read-only constraint is enforced at the system level.

Each hint is written with reference to a primary source, typically the relevant statute, a government agency resource, or a recognized legal or regulatory reference. Hint content is reviewed for accuracy by P&C specialists.

The content library is maintained by Holistiplan's internal team on a defined review cycle. Each hint has a review frequency tied to how often the underlying law or data typically changes. The hints are not self-updating: content is maintained through periodic review rather than live data feeds. Dollar figures and state rules are verified on the applicable cycle before being updated.

All figures are verified against current statutes before go-live and are maintained on a review cycle. For example, the Georgia homestead exemption reflects the updated $50,000 single and $100,000 married amounts effective July 1, 2026 under HB 1024. If a figure appears out of date, advisors are encouraged to flag it through the standard support channel.

Yes. Advisors can hide the State Hints section on a per-household basis using the Show in Report toggle in the section header. The toggle is on by default, applies to that household only, and persists across sessions.

There is no firm-level permission for this section, which is consistent with how the existing State Tax Hints section works. Individual advisors control visibility at the household level. This approach is consistent across all state hint features in Holistiplan.

No. Hint content is global and applies equally across all firms. Firm-level customization of hint content is not available.

No. P&C State Planning Hints is available to all firms using the P&C report and launches in August 2026. It will appear automatically for any household where a state is entered on the household detail screen. No configuration, setup, or activation is required.

Clients see the same hints the advisor sees in the client-facing P&C Insurance Report. Hints are written in plain language for both the advisor and the client to read together. Each hint states a planning-relevant fact for the client's state and connects it to the broader planning picture. Advisors can hide the section for any household where they prefer not to include it.

Each planning category has a universal baseline hint that appears for every client regardless of state, with state-specific variants layered on where the law creates a meaningfully different planning picture. A client in a state with no specific variant sees the universal baseline. A client in a state with a materially different rule sees a hint specific to their state. No client sees hints from another state.

Yes. The hints are written to serve as a starting point for a planning conversation between the advisor and the client. The section is designed to surface considerations the advisor can speak to, and to give the client plain-language context that connects their coverage to their state's rules.

Several things are outside the scope of this feature and should not be represented as part of what it offers:

• It does not provide legal advice, tax advice, or coverage recommendations.
• It does not handle multi-state households: hints are driven by the single state on the household record.
• It does not trigger based on which policies are present: hints are state-driven, not policy-driven.
• It does not allow firm-level suppression or customization of hints.
• It does not self-update: content is maintained through a periodic review process.
• It does not use AI to generate hints: content comes from a reviewed library.