Insurance Policy Scanner

Insurance Policy Scanner | Read Any Policy. See What It Means.

Insurance Policy Scanner: Read Any Policy. See What It Means.

Upload or paste any insurance policy — life, auto, home, renters, health, disability, long-term care, annuity, business, umbrella, or cyber. The scanner detects the type, reads every clause, and explains in plain language what each part means in your state. Findings are organized by what the policy covers, what it excludes, and what can void coverage.

EDUCATIONAL TOOL ONLY. This scanner extracts and explains text from documents you provide. It is NOT FINANCIAL, LEGAL, OR INSURANCE ADVICE, does not create any client, agent, or fiduciary relationship, and may misread or miss clauses. CONSULT LICENSED PROFESSIONALS — your broker, attorney, and underwriter — to interpret your actual coverage. Documents are processed in memory and not stored.

1. Provide Your Policy

Drop a PDF, DOCX, or TXT file, or paste the text directly. Personal identifiers (SSN, credit card, phone, email) are auto-masked before sending.

Used to add general state-level context (DOI, statutory minimums, free-look defaults) to the explanation. The policy itself controls.
0 / 80,000 characters PII auto-masked:

Scan Results

Detected type: — State context: — Confidence: —

Each finding labels a clause and explains what it does. Quotes are taken verbatim from the document you provided. Items marked Not Found were searched for but not located — that is a factual observation, not an evaluation.

Coverages Found 0
Exclusions / Gaps 0
Voiding Triggers 0

1. Positives — What the Policy Covers

Coverages located in the document, with a plain-language explanation of what each one does.

2. Gaps — Exclusions and Limitations

Exclusions, sub-limits, and restrictions that narrow what the policy will pay.

3. Critical — Conditions That Can Void or Reduce Coverage

Clauses that allow the insurer to deny a claim, void the policy, or reduce a payout if a stated condition is not met.

How to Read This Output

  • Quotes are verbatim: The italicized text under a finding is reported as appearing in your document. Verify it against the original PDF before relying on it.
  • “Meaning” explains mechanism, not action: The plain-language line tells you what the clause does — what triggers it, what it pays, what it limits. It does not tell you whether to keep, change, or replace the policy.
  • “Not Found” is a search result, not a verdict: It means the scanner did not see language for that category in the text you pasted. Endorsements and riders may be in separate documents.
  • State context is a starting point: Statutes change. The link to your state’s Department of Insurance in the methodology block below is the authoritative reference.
  • Take the output to a licensed professional: Your broker, coverage attorney, or underwriter is the only party qualified to interpret what your policy actually does in a claim.

Methodology: The text is processed in two passes through a privacy-restricted free model on OpenRouter (provider routing set to data_collection: deny). Pass 1 classifies the policy type. Pass 2 reads the document against a category list specific to that type, producing verbatim quotes plus a plain-language “meaning” for each found clause. State context (Department of Insurance link, statutory minimums, free-look defaults, named-storm/wind rules where applicable) is layered in to ground interpretations in the user’s jurisdiction. The model can misread or miss clauses; treat each finding as a pointer to read your own document. Anonymous metadata about each scan (policy type, state, finding counts, latency) is stored to improve coverage. Policy text is never stored, never logged, and never associated with you.

Legal Notice. This page is provided for educational and informational purposes only. It is NOT FINANCIAL, LEGAL, OR INSURANCE ADVICE. No use of this scanner creates a client, agent, broker, attorney, or fiduciary relationship between you and ThriveXDNA, its affiliates, or any third party. The output is generated by an automated system that may produce incomplete, inaccurate, or misleading results, and any “meaning” provided is a general explanation of how a clause typically operates — not a determination of how it will operate in your specific claim. You must consult a licensed insurance professional, broker, or attorney licensed in your jurisdiction before making any decision about coverage, claims, or compliance. Your use of this tool is at your own risk and is governed by the site’s Terms of Use and Privacy Policy.
Keep planning View All Financial Tools