🔒 This page collects no passwords. Carrier logins are designed to go only into your own encrypted vault. How

Onboarding · Step 2 of 3 · Mockup

Load Your Carriers

Add each carrier you write with. Watchtower uses this to pull your daily reports and to judge lapse and chargeback risk using your contract terms.

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Credentials are designed to go only into your own encrypted vault. This page never asks for or stores passwords. Connect securely is planned to open a private credential vault encrypted with a key unique to you, built so the platform owner has no way to view your logins. (Mockup: the button is a placeholder.)

What a lapse costs you

Estimate what you lose if a policy lapses. Enter your own numbers; nothing is pre-filled.

Advance paid–
Chargeback on lapse–
Renewal income lost / year–
Formula
Advance = monthly premium × advance months × first-year %
Chargeback = advance × chargeback % for the month window
Renewal lost per year = monthly premium × 12 × renewal %
Example (made-up numbers, not real data): $60/mo premium, 110% first-year, 9-month advance, lapses after 4 months paid, 100% chargeback in months 1–6, 5% renewal.
Advance = $60 × 9 × 110% = $594.00 · Chargeback = $594 × 100% = $594.00 · Renewal lost = $60 × 12 × 5% = $36.00/yr

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