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. Each scan pulls the latest applicable state insurance regulations live before reading your policy, so the explanation reflects the law where you actually live.

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.

How we protect your data

Your policy is yours. We treat it that way.

Reading an insurance policy means looking at one of your most personal documents. Here is exactly how this tool keeps it private — in plain language, with the underlying providers' own privacy documentation linked for verification.

Your file never leaves your browser until you click Scan.

PDFs and Word documents are read entirely in your browser before any text moves anywhere. Picking or dropping a file does not upload it. Only when you click Scan does the cleaned text move on.

Personal info is masked before anything is sent.

The page automatically hides Social Security numbers, credit cards, phone numbers, and email addresses before the scan runs. The number of items masked appears live above the Scan button so you can see it for yourself.

The AI provider is not allowed to keep or train on your text.

Our scanner refuses any AI provider that would retain or learn from inputs. If no privacy-respecting option is available, the scan stops rather than quietly route through one that would. See the provider's privacy & logging documentation.

We never store your policy.

No copy is written to a database, log, or disk file on our servers. The only thing retained is anonymous metadata — policy type, state, finding counts — used to improve coverage. Nothing identifies you, your file, or your policy.

Step 1 of 3 — Provide

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.

When you pick a state, the scanner pulls the latest applicable insurance regulations live before reading your policy — statutory minimums, free-look periods, named-storm rules, recent reforms.
0 / 80,000 characters PII auto-masked:

Step 3 of 3 — Review

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.

Frequently asked questions

Is the scanner safe to use with my real policy?
Yes. Files are read entirely in your browser before any text moves anywhere — nothing uploads when you simply pick or drop a file. When you click Scan, personal identifiers (Social Security number, credit card, phone number, email) are auto-masked first. Your policy text is never written to a database or log; only anonymous metadata (policy type, state, finding counts) is retained to improve coverage.
Does the AI provider train on my policy text?
No. The scanner is configured to refuse any AI provider that would retain or train on inputs. If no privacy-respecting provider is available for a request, the scan stops rather than quietly route through one that would. You can verify the underlying provider directive in OpenRouter's published privacy and logging documentation.
What types of insurance does it support?
Personal auto, homeowners (HO-3 / HO-5), renters, life (term, whole, universal), health (major medical / ACA), short- and long-term disability, long-term care, annuities (fixed, indexed, variable), business / commercial, personal and commercial umbrella, and cyber liability. The scanner detects the type automatically before reading.
Why do you ask for my state?
Insurance is regulated at the state level. Each scan pulls the latest applicable state insurance regulations — statutory minimums, free-look periods, named-storm rules, recent reforms — before reading your policy, so the explanation reflects the law where you actually live. The state you pick is also passed to your state's Department of Insurance link, which is the authoritative reference for your jurisdiction.
Is this legal or financial advice?
No. The scanner is an educational tool that explains what clauses do in plain language. It does not create a client, agent, broker, attorney, or fiduciary relationship. Before making any decision about coverage, claims, or compliance, consult a licensed insurance professional, broker, or attorney in your jurisdiction.
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