Everything Ace does
Most AI tools for insurance agents do one thing: they write. Ace writes too, but writing is the least interesting part. Below is the complete list, the calculators it calls, the strategies it can design against, the rules it will not break, and the things it deliberately refuses to do.
Thirty calculators, called mid-conversation
Language models are unreliable at arithmetic. Ace does not attempt the arithmetic. When a number matters it calls a deterministic engine and reports what comes back, then drafts around the result. Ask in plain English, the way you would ask a colleague.
Required minimum distribution
RMD using the IRS Uniform Lifetime Table.
Ask it: What's the RMD on a $1.4M IRA at 76?
Inherited IRA and the ten year rule
Determines stretch versus ten year regime and whether annual distributions are required.
Ask it: She inherited from a sibling two years older. Ten year clock or stretch?
Social Security claiming break-even
Benefit adjusted for early or delayed claiming, plus the break-even age against full retirement age.
Ask it: PIA is $3,200 at 67. Claim at 62 or wait until 70?
Medicare IRMAA surcharges
Part B and Part D surcharge tiers on a two year MAGI lookback.
Ask it: MAGI was $214,000 married joint. What's the surcharge?
Roth conversion analysis
After-tax value of converting now versus staying traditional, including whether the tax is paid from outside funds.
Ask it: Convert $150,000 at 24% now, or leave it and pay 22% later?
Federal income tax by bracket
Marginal rate, effective rate, and a per-bracket breakdown.
Ask it: Taxable income $180,000, head of household. Marginal and effective?
Capital gains with NIIT
Long and short term treatment plus the net investment income tax.
Ask it: Bought at $200k, selling at $650k, held nine years, other income $300k.
Federal estate tax exposure
Exposure against the current exemption with the top rate applied to the overage.
Ask it: $18M gross estate, married, $2M in deductions. What's exposed?
Personal balance sheet and net worth
Totals plus a liquid, invested, and real asset breakdown against debts.
Ask it: Here are his assets and debts. Give me the balance sheet.
Qualified charitable distribution
Tax saved, MAGI reduction, and the remaining taxable RMD.
Ask it: RMD is $62,000 and she wants to give $30,000 to her church.
Life insurance need
DIME analysis with income replacement, debt, education, final expenses, and offsets for existing coverage.
Ask it: Income $140k, mortgage $310k, two kids for college, $250k already in force.
Immediate annuity payout
Illustrative SPIA payout by age, gender, and payout option. Not a quote.
Ask it: Ballpark payout on $500,000 at 68, life with ten year certain.
Pension lump sum versus annuity
Present value of the monthly benefit against the lump sum offer at a chosen discount rate.
Ask it: $4,100 a month or $720,000 up front. Which is worth more at 5%?
Defined benefit pension value
Annual and monthly benefit from a final salary formula.
Ask it: Final salary $118k, 27 years of service, 1.5% multiplier.
Retirement projection
Nest egg projection with monthly contributions, compounding, and an optional inflation-adjusted result.
Ask it: He's 45, retiring at 65, $380k saved, adding $2,000 a month.
401(k) with employer match
Projection including salary growth and the employer match formula and cap.
Ask it: Match is 50% up to 6%. What's twenty years look like at a 10% deferral?
Roth IRA projection
Balance projection with non-taxable growth.
Ask it: Maxing it from 38 to 65 at a 7% assumption.
Compound interest and future value
Generic future value with periodic contributions and configurable compounding.
Ask it: $50,000 today plus $500 a month for 18 years.
ACA affordability safe harbors
Maximum affordable employee contribution under all three safe harbors at once.
Ask it: Employee makes $52,000. What can I charge for self-only and stay affordable?
Employer mandate penalty exposure
A and B penalty exposure, with the B penalty capped.
Ask it: 62 full-time employees, 9 on subsidized exchange coverage. What's the exposure?
ALE determination
Full time equivalents from part time hours to test the 50 employee threshold.
Ask it: 41 full-time plus 2,900 part-time hours a month. Are they an ALE?
ICHRA affordability and subsidy impact
Whether the contribution is affordable and what it does to the employee's premium tax credit.
Ask it: Lowest cost silver is $520, we're contributing $400, employee earns $38,000.
Section 125 tax savings
Employer FICA savings and employee tax savings from pre-tax contributions.
Ask it: $240,000 a year running pre-tax across 40 employees. What does the owner save?
Group term life imputed income
IRC Section 79 imputed income above $50,000 using IRS Table I rates.
Ask it: $250,000 of group life on a 58-year-old. What hits their W-2?
Out-of-pocket exposure
What the member actually pays on a claim, and what a supplemental benefit offsets.
Ask it: $3,500 deductible, 20% coinsurance, $9,000 max. What do they pay on a $60,000 claim?
Critical illness need
Lump sum need from medical exposure, lost income, and non-medical costs.
Ask it: Out-of-pocket max $9,000, earns $6,200 a month, likely four months out.
Disability income gap
Net replacement after the monthly cap and the taxation flip on employer-paid premium.
Ask it: Earns $210,000, group LTD is 60% capped at $6,000, employer pays the premium.
HSA contribution room
Tier limit, age 55 catch-up, month proration, and employer contributions counted against it.
Ask it: Family coverage, eligible 7 months, she's 56, employer put in $1,200.
Part B late enrollment penalty
Ten percent of the standard premium per full 12 month delay, permanent.
Ask it: He delayed Part B for 26 months on COBRA. What's the penalty?
Part D late enrollment penalty
One percent of the national base beneficiary premium per uncovered month.
Ask it: 43 months without creditable drug coverage. What does that add?
Every figure is educational. Your CPA owns the final number, and Ace says so in the output rather than letting you forget it.
More on why deterministic calculation matters more than fluency.
Describe the prospect. Get a defensible structure.
Tell Ace about a prospect the way you would tell a colleague. It classifies the case, scores it against a validated strategy library, and returns a structure with the legal basis, the professional to bring in, and the questions to carry to your advanced planning desk. It recommends only from the library, and when a case does not map it says so and routes you to a human rather than inventing something plausible.
Who it recognizes
Business owner
Entity with employees or co-owners. Buy-sell funding, corporate reserve, executive bonus and REBA, phantom stock, key person, cash balance, surety.
High net worth
Taxable estate. Survivorship, irrevocable life insurance trusts, premium financing, spousal lifetime access trusts, dynasty and GST, intentionally defective grantor trusts, family partnerships, charitable remainder trusts with wealth replacement.
Qualified fund heavy
Large IRA or 401(k) balance. Quiet wealth transfer, distribution repositioning, Roth plus life, annuity rescue, qualified care funding, and the inheritance tax trap diagnostic.
Family and legacy
Dependents and income protection. Term, permanent, education funding, legacy trusts, single premium whole life, disability income.
What it can design against
Benefits work, without the confident wrong answer
Ace covers both sides of health: employer group benefits and individual market work. It carries the structural rules that decide whether a plan design is even legal, and it calls a reference library rather than reciting thresholds from memory. Figures are stated with the plan year attached, because almost every number in this field re-indexes annually and a stale figure quoted to a client is worse than no figure at all.
One deliberate limit. The ACA enhanced premium tax credits expired January 1, 2026 and extension legislation has been in motion since. Ace will not state current subsidy law as settled fact. It tells you the rules are moving and to verify against current guidance before anything reaches a client. That is the correct behavior in a field where the answer changed while you were reading this.
What it knows
Rules it will not let you break
ICHRA and subsidies
An affordable ICHRA disqualifies the employee from a premium tax credit whether or not they enroll. QSEHRA is different, it can coexist but reduces the credit dollar for dollar. Getting this backwards is how a benefit ends up costing the employee money.
Disability taxation
Employer-paid premium produces a taxable benefit. Employee-paid after-tax premium produces a non-taxable benefit. This is the single most commonly reversed rule in the field, and the gross-up fix is worth raising in every group conversation.
Group term life over $50,000
Employer-provided coverage above that threshold creates imputed income to the employee, calculated on IRS Table I rates rather than actual premium.
Level funded is self funded
It carries stop-loss, ERISA plan sponsor duties, and nondiscrimination testing. It is not a fully insured product with a friendlier invoice, and treating it as one creates real exposure.
QSEHRA eligibility
Only available to employers that are not applicable large employers and that offer no group health plan. Offering both disqualifies it.
Plan document, ERISA, and nondiscrimination questions go to benefits counsel or a TPA. Ace will tell you that rather than guessing.
The work that eats your Tuesday
Client communication
First-touch texts and emails on a fresh lead, onboarding sequences, policy delivery notes, annual review invitations, and renewal outreach. All in your voice, all drafted for your review.
Objection roleplay
Ace plays the prospect and does not go easy. It pushes back on weak answers the way a real person would, then tells you which specific words cost you ground and what to say instead.
Book of business work
Paste in messy appointment notes and get a clean summary, an action list with deadlines flagged, and the follow-up email. Ace works from what you paste in, so it flags the renewal and cross-sell openings sitting in those notes.
Your own notes
Teach Ace your carriers, your underwriting quirks, your process, and your niche. It reads those notes on every message. They make its answers specific to your practice, and they never override the compliance rules it will not break.
It proposes. You approve. Then it happens.
Connect your calendar and inbox and Ace stops being a text box. It can propose a calendar invite or an outbound email as a structured card you approve with one tap. Proposing is all it does on its own. Nothing is created and nothing sends until you say yes, and nothing client-facing ever leaves without your review.
- Google Calendar
- Outlook Calendar
- Gmail
- Approval-gated action cards on every proposed write
Nine rules it will not break
These are not suggestions in a prompt. They are constraints Ace carries into every advanced case, and it will stop you rather than help you build on top of one.
- 01A direct annuity to life 1035 exchange does not exist. Repositioning requires an immediate annuity bridge.
- 021035 exchanges apply to non-qualified contracts only. Qualified money moves under rollover and transfer rules.
- 03A life to life 1035 requires the same insured and the same owner.
- 04An irrevocable life insurance trust must be the original owner, not the recipient of a transferred-in policy.
- 05Employer-owned coverage requires notice and consent completed before issue.
- 06Modified endowment contract status is irrevocable, and post-issue changes can trigger it.
- 07An executive bonus must qualify as reasonable compensation to be deductible.
- 08A spouse's IRA cannot fund joint long term care benefits.
- 09Incidental benefit limits apply to life insurance held inside a qualified plan.
What Ace will not do
Determine suitability
That is your license and your judgment. Ace gives you a structured case theory. The recommendation is yours.
Replace your professionals
On a trust case it tells you to bring in counsel, not that you can skip them. Same for your CPA and your advanced planning desk.
Quote rates or bind coverage
It does not invent carrier pricing or underwriting guidelines, and it will tell you when a number has to come from an illustration.
Send anything on its own
Every client-facing draft waits for you. Ace drafts, you approve, you send.
Read your files or your CRM
There is no document upload and no CRM sync. Ace works from what you paste in, your onboarding profile, your voice sample, and the notes you write for it.
Remember across conversations
Each thread carries its own context. Ace does not recall a different conversation. Anything it should always know belongs in your notes, which it reads every time.
See it on one of your actual cases.
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Frequently asked questions
The useful version does three things. It runs the numbers deterministically instead of guessing at them, which covers RMDs, IRMAA, Social Security timing, estate exposure and more. It designs advanced cases against a validated strategy library with the legal basis attached. And it drafts client communication in your voice for your review. Writing is the part most tools stop at, and it is the least valuable of the three.
Ace is built for licensed agents, with the advanced planning side aimed specifically at life and annuity casework. It handles Medicare and property and casualty work too, but the case design library covers business owner, high net worth, qualified fund heavy, and family legacy scenarios, which is where life and annuity producers spend their time.
A general chatbot cannot be trusted to, because it is generating plausible text rather than computing. Ace routes anything numeric to a deterministic calculation engine and reports what the engine returns, so the arithmetic is not being improvised. The figures remain educational and your CPA owns the final number.
No, and any tool claiming otherwise should worry you. Suitability determination, the relationship, and the recommendation itself all sit with the licensed professional. Ace removes the drafting and the arithmetic so more of your week goes to the conversations that actually close.
A general assistant answers everything with identical confidence whether it is right or wrong, and it will happily propose structures that are not legally permitted. Ace carries hard rules it cannot break, calls real calculators for anything numeric, and tells you plainly when a case falls outside what it has been validated on.
No. It is a chat interface. If you can text and use email you can run Ace, and onboarding walks you through connecting your calendar and inbox.
You stay in the loop on everything client-facing. Ace drafts and proposes, you approve and send, which keeps you in control of anything going out under your license. On advanced planning, a CPA or attorney should review the structure against the client's actual facts before implementation.
Yes, on both the employer group side and the individual market side. It carries the ACA employer mandate and affordability safe harbors, funding models including level funded and self funded, the full HRA family, HSA and Section 125 rules, COBRA, supplemental and voluntary benefits, disability, and group life. It calls a reference library rather than reciting thresholds from memory, and it states the plan year with any indexed figure.
Only if it is built to admit what it does not know. Indexed figures re-set annually and subsidy law has been actively in motion since the enhanced premium tax credits expired on January 1, 2026. Ace states the plan year on every figure and refuses to present current subsidy law as settled, telling you to verify instead. An AI that answers confidently in this area is the dangerous kind.
Yes. You can add notes about your practice, your carriers, underwriting quirks you have learned, and how you run your process, and Ace reads them on every message. What those notes cannot do is override its guardrails. If something you wrote conflicts with a rule Ace will not break, it follows the rule and tells you the note conflicts. Custom knowledge sits on top of a floor that does not move, which is the difference between this and a general assistant that will confidently repeat whatever you told it.
For education only. Results vary and are not guaranteed. Nothing on this page is financial, legal, or tax advice. Calculator outputs are educational estimates and are not a substitute for your CPA, attorney, or a carrier illustration. You remain responsible for suitability and for compliance with your state, carrier, and licensing requirements.