The Debt Sequencer compares minimum-only, avalanche, snowball, and whole life banking paths for external obligations. When a whole life banking layer is configured, the Game Plan shows the modeled policy-loan sequence. For an existing policy, recorded policy values can provide the Actual starting Total Cash Value, Available CV, and opening policy-loan balance; future growth, draws, and repayments remain Modeled.
Key Takeaways
- Compare payoff timing, modeled interest, and the month-by-month sequence
- Start from recorded policy values or manual inputs, then enter policy annual values manually or use a confirmed carrier illustration as alternative schedule sources
- External obligations are modeled separately from tracked policy loans
- All results are Modeled and illustrative; the tool does not choose a path
- Debt Sequencer is live on Builder Pro and every paid Practice tier, not Starter