Premium Command
A $5M policy can lapse over a missed $42K premium. That cannot happen — so an ACH sent is not a premium paid.
1 in grace
Cash available
$7.8M
Premium reserve
$5M
Next 12 months
$4.2M
premium requirement
Coverage ratio
1.19x
cash + reserve ÷ forward premiums
Coverage alert: Projected premium coverage falls below 1.15x in March 2028 under the +24-month longevity scenario. Recommended: top up the reserve $1.4M from October maturity proceeds, or draw the credit facility.
Premium liability forecast
Fund-management intelligence, not just a CRM
Next 30 days$312K
31–90 days$711K
Next 12 months$4.2M
Year 2$3.9M
Year 3$3.5M
Stress case (+24 mo)$5.1M
Automated alert ladder
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Every policy alerts at each rung — escalating to the CIO inside 15 days, and hourly in grace.
Premium queue — the five-stage pipeline
Scheduled → Paid → Carrier received → Applied → Confirmed in force
LS-10645Grace period
Fund II Premium Reserve · grace window 61 days
Scheduled
Paid
Carrier received
Applied
Confirmed in force
Paid
LS-10914due Oct 15, 2026
Fund II Premium Reserve · grace window 61 days
Scheduled
Paid
Carrier received
Applied
Confirmed in force
Confirmed in force
LS-10233due Oct 22, 2026
Fund II Premium Reserve · grace window 60 days
Scheduled
Paid
Carrier received
Applied
Confirmed in force
Applied
LS-10821due Nov 15, 2026
Fund II Premium Reserve · grace window 61 days
Scheduled
Paid
Carrier received
Applied
Confirmed in force
Carrier received
LS-10482due Dec 1, 2026
Fund II Premium Reserve · grace window 61 days
Scheduled
Paid
Carrier received
Applied
Confirmed in force
Scheduled
LS-11007due Jan 10, 2027
Fund II Premium Reserve · grace window 60 days
Scheduled
Paid
Carrier received
Applied
Confirmed in force
Scheduled