For Insurance Carriers

Custom Life Insurance Calculators for Carriers

Hedgeness provides customizable tools and calculators that enable digital storytelling to position life insurance for retirement and legacy planning.

These experiences help translate advanced insurance concepts into clear, guided interactions.

The calculators are designed to illustrate how life insurance products can support retirement distributions, long-term growth, and tax optimization within a broader retirement and legacy strategy.

Life Insurance Strategy Calculator Customizable carrier experience
Plan Your Strategy
Indexed Universal Life (IUL) ⌄
45
$25,000
$100,000 / year
$1,000,000
Calculate Strategy →
Projected Value
Value Income
$100K Annual Retirement Income Potential
$1.8M Projected Policy Value
$1.0M+ Legacy Value Potential
Flexible scenarios. Clear outcomes. A stronger story for what’s possible.
Long-Term Growth
Tax Optimization
Legacy Planning
Brand Alignment
Product-specific or advance strategy messaging
Strategic digital storytelling
Enhanced value proposition communication
Custom Experience Built around your product and brand
Tailored experiences. Stronger connections. Greater impact.

Customization

Deep customization for seamless user experience, product positioning, and advance financial solution value communication.

Collaborate with marketing teams for:

  • Brand alignment
  • Product-specific or advance strategy messaging
  • Strategic digital storytelling
  • Enhanced value proposition communication

Bring out the nuanced strengths of your insurance products and financial offerings through tailored digital engagement experiences.

Modern API

All calculations are API-based, allowing insurance carriers to implement them across multiple websites, advisor or agent platforms, product microsites, and digital experiences.

Our API engine supports calculations for:

  • Term Life Insurance
  • Whole Life Insurance
  • Universal Life (UL)
  • Indexed Universal Life (IUL)
  • Variable Universal Life (VUL)

This flexible infrastructure allows for scalable deployment across diverse distribution and engagement channels.

Websites
Advisor or Agent Platforms
Product Microsites
Digital Experiences
API Calculation Engine
One API
Many Channels
Scale
Anywhere
Term Life Insurance
Whole Life Insurance
Universal Life (UL)
Indexed Universal Life (IUL)
Variable Universal Life (VUL)
01
Understand Carrier goals, product nuances, positioning, and value proposition.
02
Map the Journey Understand how people move across internal and external distribution paths.
Wholesaler Advisor / Agent Consumer Internal Paths External Paths
03
Build & Deliver Turn the journey map into practical digital engagement experiences.
Software
Calculators
Sales & Marketing

Process

In order to deliver digital tools that bring out the value proposition of their life insurance business overall or in specific to nuances of their products.

We spend time upfront with the insurance carrier to understand the wholesaler, advisor /agent, and consumer journey across multiple internal and external paths

Within that map, conceptualize and deliver software or calculators for digital engagement for sales and marketing

Hosting

Users can access and interact with the tools and calculators across multiple digital environments, including:

  • Insurance carrier websites and microsites
  • Websites and microsites operated jointly with distribution partners
  • Advisor-facing and consumer-facing digital experiences
  • Platforms used by internal and external wholesalers
Carrier Websites & Microsites Embedded directly into carrier-owned digital properties
Distribution Partner Sites Joint carrier and distribution experiences
Advisor & Consumer Experiences Guided interactions for different audiences
Wholesaler Platforms Internal and external distribution workflows
Hosted Digital Experience One experience across multiple environments
Accessible wherever your distribution strategy needs it.