Working with Clients
Coverage
Keep a running record of every life, disability, and liability policy your client holds.
Introduction
The Coverage page is where you record every existing insurance policy that protects a client: life, disability, critical illness, and anything else they already carry. Entries here feed the coverage ratio on the financial health score. They also flow into the needs analysis when the report builder looks at how adequately the client is protected.
What the page shows
The Coverage page is a single scrolling layout with a table of every policy on the client file.
Page header at the top with an Add Coverage button.
Filter row with a search box and a type dropdown for Permanent, Term, CI, DI, Other, or All.
Coverage table with columns for Name, Type, Frequency, Coverage Amount, and a row-level menu.
Empty state reading No coverage found when the client has nothing on file.
Adding coverage
Click Add Coverage to open the form. Pick the coverage type first, since some fields only appear for specific types.
Coverage types
Type | Covers |
|---|---|
Permanent | Whole life, universal life, and other permanent life policies. Can hold cash value. |
Term | Term life policies that expire on a set date. |
CI | Critical illness coverage. Pays out on diagnosis of a covered condition. |
DI | Disability income coverage. Pays a benefit while the client is unable to work. |
Other | Anything that does not fit the categories above. Add a custom label to name it. |
Fields on a coverage record
Every coverage record needs two things:
Type: one of the five above.
Coverage amount: the sum the policy pays out. Must be greater than zero.
The rest of the fields are optional, but filling them in makes the needs analysis more accurate.
Provider: the insurance carrier name.
Policy number: the carrier's policy reference.
Premium amount and frequency: how much the client pays and how often. Frequency supports weekly through annual, plus single-pay, flexible, paid-up, and waived.
Policy start date: when the policy took effect.
Policy end date: for Term policies only. Must be after the start date. Permanent and DI policies cannot carry an end date.
Cash value: for Permanent policies only. Term and DI policies cannot carry a cash value.
If a coverage record is missing three or more key optional fields, DNA shows a Complete record hint on the detail page. It is a reminder to fill in the gaps when you have the policy paperwork handy, not a blocker.
Disability income specifics
Disability income policies carry a few fields the other types do not:
Elimination period: the waiting time before benefits start. Options: 30, 60, 90, 120, 180, or 365 days.
Benefit period: how long benefits pay out. Options range from 2 years through to-age-70, up to lifetime.
Disability definition: own-occupation, any-occupation, or modified-own-occupation. This determines how strictly the policy treats the client's ability to work.
Owners, payors, and beneficiaries
Three optional fields clarify who sits behind a policy:
Owners: the person or people who own the policy. For group clients, you can pick one or more members.
Payor: the person or entity paying the premiums. Useful when a parent pays premiums on a child's policy, or when a corporation pays on behalf of a key person.
Beneficiaries: the people or entities who receive the payout. Pick from the client's existing beneficiary list.
Coverage beneficiaries and client-level beneficiaries are separate fields. Adding a beneficiary to a policy here does not change the client's overall beneficiary list, and vice versa. The detail page lists each attached beneficiary with their type (Primary or Contingent) and links to their own record.
Group client coverage
For group clients, every policy belongs to the group, and you choose how it covers individual members:
All members: the policy covers every member of the group.
Custom: pick specific members who are covered. The rest are excluded.
The detail page shows a per-member list with Covered or Not Covered next to each name so you can see the split at a glance.
Viewing, editing, and deleting
Use the row-level menu on the coverage table to view, edit, or delete a policy. Viewing opens the coverage detail page, where you see the full record, any named beneficiaries, group assignment, and notes. You cannot change which client or group a policy belongs to after creation.
How coverage feeds the rest of DNA
Coverage data is used in two places outside of this page:
Financial health score: the coverage ratio factor on the client overview weighs total coverage against the client's debts and a baseline target.
Needs analysis: the report builder reads every coverage record when it calculates how much additional protection the client needs.