Use this article to set the default cover levels, premium estimates, and educational content that Trail uses when recommending insurance cover. Your Cover Level Settings shape how the Recommended Cover Calculations work in every Insurance Advice Opportunity: Trail uses your client's fact find and needs analysis to estimate how much cover they need and an indicative premium, and these settings set the standard amounts those estimates start from.

You'll need admin rights to change these settings. Changes only affect newly generated Recommended Cover tables; tables that already exist keep their values until you click recalculate.
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Go to Settings, then Insurance Settings, and you'll find the Cover Level Settings there.

The Cover Level Settings are made up of six sections: General Settings, plus one for each of the five main cover types, in order: Life, TPD, Trauma, Income, and Health.

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The General Settings control whether your clients are shown estimated cover premiums, and if so, which insurer those estimates are based on. The premiums appear on the summary of the cover level portal.
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Each cover type lets you write an educational paragraph explaining what that type of cover includes, to help your client understand the recommendation.

What you write here appears when your client goes through their Recommended Cover in the client portal, on the right of the page under Open Content.

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You can set up default policy additions for each cover area under its respective section. These appear automatically in clients' recommended cover.

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Each cover type's settings let you decide your default cover levels for individual cover items. For example, Final Expenses covers funeral and estate settlement expenses, and you can set the standard amounts your clients should be covered for.

These defaults can always be varied per client by selecting options from the Usage dropdown.

The settings also control how some calculations work, such as how a client's expected future income is measured. You'll find this under the Income tab of the cover level calculations section.

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To adjust the cover levels used when recommending dependant cover, go to the Trauma or Health tab and switch to the Dependant tab there.

The sections you can adjust here are the products you can offer to dependants as part of advice to their caregivers. For how dependant cover works through the whole advice process, see Dependant Cover in Trail.

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Learn about the other insurance settings.
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Get in touch at support@gettrail.com, or use the chat button in the bottom right of the screen.