Family protection
Easy for the organization
White-label the brand, choose capabilities, align disclosures, route support, and launch without making the rollout feel heavy.
Launch in phases
Protection and retirement confidence
Help families see how protection fits the future they want.
Give policyholders and prospects a white-labeled app that connects life insurance, savings, retirement income, estate readiness, and household protection.
Confidence Builds Relationships
Give families confidence before the hard questions become urgent.
A life insurer that helps families connect protection, retirement, and legacy decisions becomes a trusted partner in the future they want.
Schedule a Demo
For life insurance companies.
Simple to Launch
State-of-the-art financial tools, made easy for life insurance companies.
My Retirement Plan is designed to be super easy for the organization to deploy and super easy for people to use. The result is a branded system built to help drive a lifelong relationship between the organization and every consumer, employee, member, client, or policyholder it serves.
This is the kind of benefit most organizations could not realistically give until now without huge spend: a personalized planning ecosystem under their own brand that can help improve retention from clients and members to employees and policyholders.
01Brand
02Configure
03Invite
04Grow
Income and legacy readiness
Easy for every user
People connect accounts with consent, answer simple prompts, ask the planning assistant questions, and review scenario-based follow-up items.
Connect with consent
Lifelong policyholder trust
Built for lifelong relationships
Life Insurance Companies + every person they serve get more reasons to stay engaged through plan updates, life events, product education, reports, reminders, and timely check-ins.
Stay useful for life
Visual Experience
A family planning experience that makes protection tangible
Bring life insurance, beneficiaries, estate readiness, income needs, and retirement confidence into a guided visual journey.
Relationship Impact
Confidence makes protection personal
Families want to know whether loved ones will be okay. A branded planning experience helps the carrier show care long after policy issue.
Planning Assistant Preview
Guided tools, connected data, and scenario prompts for retirement planning conversations.
The experience should feel built for people planning income, protection, family, and peace of mind.
Moment 01
Clarify protection needs
Families can connect income, dependents, liabilities, savings, and coverage decisions in one household view.
Moment 02
Review life changes sooner
Beneficiary, estate, and coverage questions surface before a crisis or major transition.
Moment 03
Deepen policyholder trust
The carrier becomes part of the family's ongoing readiness, not only a policy document.
Family Benefit Video
Family Readiness: A Planning Benefit from the Life Insurer
Position MyRetirementPlan.ai as a family-focused benefit the life insurer provides to policyholders and their loved ones.
The life insurance organization is giving families a planning tool that connects protection, income, legacy, and retirement confidence.
Product Ecosystem
Place protection, income, and legacy products in the family plan
Life insurers can incorporate term, permanent, annuity, retirement income, beneficiary, estate-readiness, and protection education into the planning ecosystem so families can see how coverage may support loved ones and future income needs.
Products can be presented as education, planning context, and review options subject to applicable suitability, fiduciary, insurance, lending, and compliance standards.
Protection becomes tangible
Policies and coverage education can connect to income replacement, dependents, liabilities, legacy goals, and retirement timing.
Life changes trigger review
The experience can guide policyholders to revisit beneficiaries, coverage needs, and income assumptions as family facts change.
Relationships deepen
The insurer can remain present after issue by helping families understand the role of protection in their broader plan.
Watch
From Anxiety to Action: Securing Your Future
Connected Accounts & Planning Assistant
Guided tools for life insurance companies without overpromising outcomes
Users can connect eligible financial accounts with consent, then use a planning assistant experience inside My Retirement Plan to ask questions, run planning scenarios, organize follow-up items, and automate reminders or check-ins that may support more informed retirement conversations.
The experience is designed for education, planning support, and workflow automation. It does not guarantee investment performance, retirement income, savings results, or any specific retirement outcome.
Connect the financial picture
Eligible bank, investment, credit, debt, and retirement accounts can be connected so guidance can reference more current user-permissioned data.
Planning assistant support
Users can ask planning questions, compare assumptions, surface tradeoffs, and review possible follow-up items that remain subject to professional judgment where applicable.
Automation with guardrails
Tools can automate reminders, action lists, scenario refreshes, and document/report workflows, while avoiding promises that any action will produce a guaranteed result.
Industry Problem
The life insurance problem is that protection is too often separated from life planning.
Consumers may buy life insurance without understanding how coverage, cash value, beneficiaries, debt, income needs, and retirement goals fit together.
Policyholders often revisit protection only during major life events, leaving gaps or outdated assumptions in place.
Families want to know whether they will be okay, but the answer requires protection, retirement, estate, and cash-flow context.
People Helped
How policyholders and families benefit
Families understand protection needs
The app can help connect income, dependents, liabilities, estate readiness, and coverage decisions in one household view.
Policyholders see long-term context
Cash value, premiums, savings, retirement assets, and income goals can be organized into a clearer future plan.
Beneficiary and estate questions surface sooner
The experience can nudge households to review documents, beneficiaries, and legacy readiness before a crisis.
Retirement Worry
Will I have enough for retirement, and what planning options should I review?
The biggest family worry: Will we be okay no matter what happens?
The retirement question is also a protection question. Families want to know whether they will have enough, whether loved ones are protected, and what decisions should be handled now. The app helps make those tradeoffs visible.
Vision
A protection-first retirement confidence app
The life insurance version can combine insurance planning, retirement projection, estate planning, financial picture building, documents, and AI-supported guidance.
1
Connect life insurance to income, debt, retirement, and estate readiness.
2
Help policyholders review coverage as life changes.
3
Turn protection into an ongoing family planning relationship.
White Label
White-labeled to the life insurer
The carrier can present a branded experience with policyholder language, product education, colors, support routing, disclosures, and selected planning modules.
Carrier-branded policyholder and prospect experience.
Protection, beneficiary, estate, and retirement education.
Configurable capability set for life-stage journeys.
White-Label Preview
The experience can carry the organization's brand while keeping planning tools, disclosures, and support paths aligned.
Data Privacy & Security
Privacy and security for deeply personal planning
Life insurance planning touches income, dependents, beneficiaries, legacy documents, and family concerns. The app should make families feel protected while giving carriers comfort that sensitive planning data is handled with serious care.
Designed for high institutional expectations
Protection for family and beneficiary data
Sensitive policyholder, beneficiary, estate, and household information should be handled with encryption, limited access, and secure document processes.
Clear consent for connected guidance
Policyholders can understand why data is requested and how consented information supports protection, retirement, estate, and readiness guidance.
Governed carrier experience
Carrier-specific disclosures, approved education, support paths, and audit-friendly workflows help the experience meet high institutional expectations.
Platform Capabilities
The app vision uses proven planning workflows.
Insurance Planning
Model life insurance targets, track active policies, and highlight potential coverage gaps for professional review.
Financial Picture
Build a connected view of assets, liabilities, income, expenses, and household reality in one live planning system.
Retirement Projection
Run projection scenarios for timing, savings, income, and drawdown assumptions before changing a plan.
Estate Planning
Organize wills, trusts, beneficiaries, legacy documents, and asset inventories so family planning is not left for later.
Documents & Reports
Upload documents, summarize them with AI, and package planning context into review-ready reports.
AI Planning Assistant
Use VoiceConnect, AI chat, and contextual guidance to turn questions into educational scenarios while your data is still in context.
Stakeholders
Why life insurers care
Protection education becomes personal
Coverage conversations can connect to the policyholder's own household reality rather than generic rules of thumb.
Engagement lasts beyond issue date
The app gives policyholders reasons to revisit protection as life, income, assets, and retirement assumptions change.
Trust grows through care
Helping families understand their future reinforces the insurer as a long-term protection partner.
Vision
Transformative change for family security
A life insurer can show it cares by helping families understand both the future they want and the protection required to preserve it.
1
Make protection an active planning relationship.
2
Help families address hard questions with less fear.
3
Connect insurance, retirement, and legacy decisions in one place.
Schedule a Demo
Help families protect the future they are building.
Schedule a demo to see how a white-labeled app can connect life insurance to retirement confidence and family readiness.
The Financial Gap
The Financial Gap in America is not abstract. It shows up every payday.
The gap is the distance between what households earn, what life costs, what they can safely save, and what they need for the future. When that distance gets too wide, people bridge it with credit, delayed decisions, and sometimes their retirement accounts.
For life insurance companies, this is why retirement confidence cannot stay buried in annual enrollment, disconnected portals, or one-off education.
56%
of employees say financial stress negatively affects their work.
91%
would consider switching jobs for benefits that help them reach financial goals.
88%
of U.S. adults report some form of financial stress
Financial anxiety has become a mainstream household condition.
53%
of employees have less than $5,000 saved for emergencies
A single repair, medical bill, or missed paycheck can force expensive choices.
44%
of workers use credit cards for basic necessities
Short-term survival can quietly turn into long-term debt drag.
38%
of employees have tapped retirement savings early
The future plan becomes today's emergency fund when cashflow breaks.
Pressure 1
01Income pressure
Paychecks fail to keep pace with housing, food, energy, debt, and childcare.
Pressure 2
02Liquidity gap
Low emergency savings makes normal life events feel financially dangerous.
Pressure 3
03Debt bridge
Credit cards, loans, and wage advances fill the gap, but raise the next month's burden.
Pressure 4
04Retirement leakage
Long-term savings get raided, delaying confidence and compounding.
Figures summarize 2025-2026 financial wellness research across household stress, emergency savings, workplace productivity, and retirement leakage. The pattern is the problem: short-term cashflow pressure quietly damages long-term security.