The client's picture: cover gaps and cash flow

Tallify's client picture: four cover gap thermometers and a cash flow river that shows premium bloat, as a two-page PDF sent only after approval.

Once a client's facts are committed, the Advice tab shows the client's picture: what they need against what they have, and where their money goes. It is drawn by code from the position's own figures. No model call is made, and the client's name is the only identity on it. The client's picture comes with the Plus and Practice plans (see Pricing).

The cover gap thermometers

Four thermometers, one per risk: life, disability, dread illness and income protection. Each shows the cover needed against the cover the client has, the shortfall in rand, and a status. A risk that does not apply to the client is drawn hollow.

The cash flow river

The client's income splits into tax, debt, living costs, insurance and medical, savings and what is left over. Where policies overlap, the premium paid for cover above the need shows as a red thread: premium bloat. A one-line summary sits under it.

The plan of action

A numbered list of next steps, worked out by rule from the same figures. It names no product.

The PDF and sending it

The picture downloads as a two-page PDF. Send to the client queues an email with the PDF under Review email approvals, like every client email: nothing reaches the client until a person approves it. A client with no email address on file cannot be sent it.

The needs arithmetic behind a cover gap: Cover gap analysis.