Know the market. Track the competition. Update your rates live.

Open the terminal to a market snapshot - current rates across carriers by product and term. Pull the rate-series view to see how a carrier's terms moved over time, and read carrier competitiveness to know who is leading the band and who is trailing it, without exporting to a spreadsheet.

When a rate matters to a specific case, capture a rate lock against the quote so the terms travel with it through the illustration and the application. A lock records the rate at the time you captured it, so if the carrier adjusts terms later, you and the client are both looking at the number that was on the table when the decision was made. The same current rates also feed the Index Analyzer and the Living Benefit Calculator, so a backtest or an income projection runs on the terms in front of you - not on numbers you re-keyed from a PDF or a spreadsheet. One shared rate source behind the terminal and the tools means the numbers stay consistent across every surface a client sees.