Why Policy ReviewsMatter NowMore Than Ever

After more than 30 years in financial planning, I recognized a persistent gap that technology had not solved.

I'm Robert Chwalk, founder of Financial Planner AI. As a CFP®, CLU®, and ChFC® with decades of experience at Merrill Lynch, UBS, and Fidelity Investments, I witnessed the evolution of financial advice from paper-based plans to advanced digital platforms. Yet one essential process remained largely manual: life insurance policy reviews.

Even as planning software became more sophisticated, policy reviews stayed time-consuming and inconsistent. Advisors spent hours reading dense illustrations and preparing summaries, while clients waited for answers to simple questions like "Should I keep paying for this policy I bought ten years ago?" Many advisors avoided the topic altogether because the process was too inefficient.

When artificial intelligence reached professional-grade accuracy, I saw a path forward.

Insurance Planner AI was built to turn hours of manual analysis into minutes of clarity. What once required deep technical expertise is now accessible to every advisor and every policyholder. Complex policy data becomes clear, actionable insight that supports better decisions and stronger client relationships.

This is just the beginning. At Financial Planner AI, our focus is on the parts of financial planning that have resisted automation for too long: life insurance and estate planning. By combining the precision of AI with the experience of real financial professionals, we're building tools that make expert-level advice faster, clearer, and more human.