Analyse your plan.
Upload your Benefit Illustration, Product Highlights Sheet, or investment proposal. Parsing happens in your browser -- nothing is uploaded to a server. We only fill in what we can confidently read; everything else stays blank and editable so you're never looking at a made-up number.
Step 1 · UploadDrop a file here, or click to choose one
PDF, PNG or JPG · PDF text is read automatically · images go straight to manual entry
Check the numbers.
Fields marked Detected were read from your document -- please verify them. Everything else is Manual and needs your input.
Your WealthGraphd Score.
WealthGraphd's Educational Comparison Score (not a regulated financial rating). Click any factor to see exactly how it was calculated from the numbers above.
This score reflects only the figures you provided and simple, fully-shown formulas -- it is not financial advice and not a substitute for reading the actual Benefit Illustration and Product Summary. Want it checked by a person instead?
What this tool reads, and how
Upload a Benefit Illustration or Product Highlights Sheet and WealthGraphd looks for the figures that decide whether a plan is what it seems:
- What is guaranteed versus what is only illustrated at the higher and lower projection rates.
- What you actually pay -- yearly, monthly or once -- and for how many years.
- The yearly return on the guarantee alone and on the illustration.
- What happens if you need the money early, using the surrender value printed in the document.
- Charges and lock-in, where the document states them.
Anything it cannot read confidently is left blank for you to fill in -- never guessed.
Questions
Is my document uploaded anywhere?
No. PDFs are read inside your browser and the file is never sent to WealthGraphd. The PDF-reading library itself is loaded from a public CDN (cdnjs), which only sees that the library was requested -- not your document.
Which documents can it read?
Text-based PDFs such as a Benefit Illustration or Product Highlights Sheet. Scanned copies and photos have no text to read, and password-protected PDFs need the password removed first. In any of those cases you can type the figures in yourself -- the score and returns work the same.
How is the yearly return worked out?
It is an internal rate of return: every premium counts from the day you pay it, and the guaranteed or illustrated payout arrives at the end of the term. That matters because a plan where you pay yearly for ten years has most of its money invested for less time than a single payment would be, so dividing the payout by one premium (or even by the total) overstates the result. It treats the whole premium as savings, though part of what you pay buys insurance cover, so use it to compare plans rather than as a promise.
What is the WealthGraphd Score, and is it advice?
A transparent five-factor comparison -- capital guarantee, return potential, liquidity, fee disclosure and risk -- with every formula shown when you click a factor. It is an educational comparison, not a regulated rating and not financial advice, and it only ever uses figures from your document or that you typed in.
Want a licensed adviser to walk through this with you?
WealthGraphd doesn't sell products or give financial advice -- we just help you see where something sits before you talk to someone who can. Leave your details and we'll pass your enquiry to a licensed financial adviser in Singapore who isn't tied to any single insurer.