Limits or protection may not have kept pace with changing values, exposures, or responsibilities.
RISK INTELLIGENCE
Start with the risk. Then examine the protection.
Litmus connects what a client owns and does to the exposures, perils, policies, and review questions that may matter to the financial plan.
Request a Risk Intelligence walkthroughA CONSISTENT ANALYSIS SEQUENCE
From client context to a question worth reviewing.
Policies alone do not reveal the full risk. Risk Intelligence begins with the client's assets and activities, identifies what could create a loss, and connects that context to current protection.
- 01IDENTIFY
Asset or activity
Organize the property, vehicles, valuables, business interests, and activities that may affect the plan.
- 02UNDERSTAND
Exposure and peril
Map what could create loss, including property, liability, catastrophe, and activity-driven risk.
- 03FRAME
Protection question
Build a proposed protection framework for review by a Litmus licensed insurance professional.
- 04COMPARE
Current protection
Compare recorded policy information with the risk framework and surface questions that may need attention.
ACTUAL LITMUS RISK WORKFLOWANONYMIZED INFORMATION
BUILT FOR THE ADVISOR CONVERSATION
Discuss the client's insurance without needing to be the insurance expert.
The report turns a complex insurance picture into a visible sequence: what the client owns and does, what could create a loss, how current protection compares, and which questions deserve attention. The advisor can lead the planning conversation, then bring in a Litmus licensed insurance professional for the technical insurance work.
WHAT MAY COME INTO VIEW
See where the protection picture may no longer fit.
Signals help the advisor and Litmus licensed insurance professional focus attention. They do not make the insurance decision.
Premium, deductibles, endorsements, or overlapping policies may no longer fit the client’s current situation.
An asset, activity, peril, or obligation may not be reflected in the protection picture.
Policies may overlap, remain tied to an old asset, or contain terms that deserve comparison.
Material changes and open questions can be organized before the renewal decision becomes urgent.
The same authorized context can support policy review, quote preparation, and coverage alignment.
INTELLIGENCE SUPPORTS REVIEWRisk Intelligence may be incomplete and is not a coverage determination, quote, binder, or individualized insurance recommendation. Litmus licensed insurance professionals review the facts and provide guidance within their authority; clients make all final coverage decisions.
FROM SIGNAL TO ACTION
The technology does not end with a report.
Prepare the review.
Use the connected client context to organize questions and identify missing information, then bring in a Litmus licensed insurance professional for review, explanation, and guidance.
Meet the policy professionalsPrepare the market conversation.
When the client authorizes a broker introduction, the information already organized in Litmus can support easier quote preparation and coverage alignment.
Explore Broker AccessRISK INTELLIGENCE INSIDE THE DESK