If you worked with a whole life banking advisor before creating your Policy Stack account, they may have prepared your policies ahead of time. When that is the case, a card appears on your Home after you sign up:
"[Advisor name] set up N policies for you" — with an Added by your advisor label and each policy's carrier and approximate coverage amount.
Amounts on the card are rounded. Exact values are added only if you accept.
If you do not see the card, your advisor may not have set up policies for you, or your account may not match their records — you can always connect from Settings → Connections instead.
Your Three Choices
Import prepared policies The exact policy details your advisor entered — carrier, policy number, premiums, statement history, and any uploaded policy documents — are copied into your account. Your current advisor access setting stays in place, and every detail stays fully editable afterward.
Connect without importing Connects you with your advisor without adding any policy data. Your current access setting stays in place, and you can enter policies yourself later.
Skip for now / Not now Dismisses the prepared-policy offer without importing or changing access. Your advisor can resend the setup invitation later.
Nothing is added to your account before you choose. The prepared policies live entirely on your advisor's side until you import them, and skipping leaves your account and access setting exactly as they were.
Skipping is visible to your advisor: their copy of the prepared policies shows that you declined and the date. They see nothing else — no part of your account, and no reason. The offer stays hidden for that contact until they send a new invite or resend the setup, rather than assuming you simply never looked.
When the Card Appears
The card is only offered when all of the following are true:
- Your email address is verified
- You match exactly one contact at one advisor practice
- There is a prior signal you expected this advisor — for example, they sent you an invite, or you named them during onboarding
If any of these do not hold, you see a plain connection prompt instead, with no policy data attached.
Policies already recorded in your account do not prevent the card from appearing. Any prepared policies you accept are added alongside them.
On the Starter Tier
Accepting works on every tier. On the free Starter tier, one policy stays active and any additional policies arrive locked; they unlock on Builder Pro. All the data is preserved either way.
After Accepting
Your policies, their statement history, and any documents your advisor uploaded appear in your account immediately — Home, Banking System, and Documents all reflect them. Changes anyone makes afterward are logged with their source in the Banking Ledger, so it is always clear who recorded what.