Helm is the relationship layer for life insurance — a place to gather your policies,
understand what they actually do, and carry your guidance forward for the people you love.
Bank-level encryptionSOC 2 Type IIYour data, never sold
);
};
// ════════════════════════════════════════════════════════════════
// SCREEN 2: UPLOAD POLICIES (drag-drop + browse)
// ════════════════════════════════════════════════════════════════
const SAMPLE_POLICY_FILES = [
{ name: "BannerLife_Term30_Policy.pdf", size: "1.2 MB", carrier: "Banner Life",
text: `BANNER LIFE INSURANCE COMPANY — TERM LIFE POLICY
Policyholder: Suzie Garcia
Policy Number: 8675303202
Coverage Type: 30-Year Term Life
Face Amount: $500,000
Annual Premium: $612.00 (level for 30 years)
Issue Date: March 14, 2022
Expiration Date: March 14, 2052
Beneficiaries: John Garcia (spouse, 60%), Sarah Garcia (daughter, 40%)
Riders: Accelerated Death Benefit, Waiver of Premium for Disability, Convertibility to Permanent
Premium Mode: Annual
Underwriting Class: Preferred Plus Non-Tobacco`
},
{ name: "NYLife_GroupLife_Certificate.pdf", size: "846 KB", carrier: "New York Life",
text: `NEW YORK LIFE — GROUP TERM LIFE CERTIFICATE
Certificate Holder: Suzie Garcia
Group Policy: Aurora Health Systems Employer Plan
Certificate Number: 3032028675
Coverage Type: Group Term Life (Employer-Provided)
Face Amount: $200,000 (2x annual salary)
Premium: Paid by employer
Effective Date: January 1, 2023
Termination: Coverage ends upon termination of employment
Beneficiaries: John Garcia (spouse, 100%)
Portability: Conversion to individual policy available within 31 days of separation
Notes: Coverage reduces 35% at age 65, additional 15% at age 70`
},
];
// Heuristic: sniff a carrier name from the first bit of policy text.
const KNOWN_CARRIERS = [
"Banner Life", "New York Life", "Northwestern Mutual", "MassMutual",
"Prudential", "MetLife", "John Hancock", "Lincoln Financial", "Pacific Life",
"Guardian", "Transamerica", "AIG", "Mutual of Omaha", "State Farm",
"Allstate", "Nationwide", "Principal", "Symetra", "Protective", "Haven Life",
"Ladder", "Bestow", "Ethos", "Legal & General", "Securian", "Minnesota Life",
"Penn Mutual", "Ameritas", "USAA", "Voya", "Brighthouse", "Sun Life",
];
function sniffCarrier(text) {
if (!text) return "Unknown carrier";
const head = text.slice(0, 4000);
for (const c of KNOWN_CARRIERS) {
const re = new RegExp(c.replace(/[.*+?^${}()|[\]\\]/g, "\\$&"), "i");
if (re.test(head)) return c;
}
return "Unknown carrier";
}
const UploadScreen = ({ onAdvance, uploaded, setUploaded, density, onStepClick }) => {
const [dragOver, setDragOver] = uS(false);
const [parsing, setParsing] = uS(false);
const [parseError, setParseError] = uS(null);
const fileInputRef = uR(null);
const drop = (which) => {
if (uploaded.find(u => u.name === SAMPLE_POLICY_FILES[which].name)) return;
setUploaded([...uploaded, SAMPLE_POLICY_FILES[which]]);
};
const ingestFiles = async (fileList) => {
const files = Array.from(fileList || []);
if (files.length === 0) return;
setParseError(null);
setParsing(true);
const next = [];
for (const f of files) {
const isPdf = f.type === "application/pdf" || /\.pdf$/i.test(f.name);
try {
let text = "";
if (isPdf) {
text = await window.extractPdfText(f);
} else {
// Best-effort text read for .txt or unknown
text = await f.text();
}
if (!text || text.trim().length < 40) {
setParseError(`${f.name} looks empty or scanned. Helm needs a text-based PDF — try exporting from your carrier's site.`);
continue;
}
next.push({
name: f.name,
size: window.formatBytes(f.size),
carrier: sniffCarrier(text),
text: text.slice(0, 60000), // cap for prompt safety
real: true,
});
} catch (e) {
console.warn("PDF parse failed", f.name, e);
setParseError(`Couldn't read ${f.name}. Make sure it's a text-based PDF (not a photo or scan).`);
}
}
setParsing(false);
if (next.length > 0) {
setUploaded([...uploaded, ...next]);
}
};
const onDrop = (e) => {
e.preventDefault(); setDragOver(false);
if (e.dataTransfer && e.dataTransfer.files && e.dataTransfer.files.length > 0) {
ingestFiles(e.dataTransfer.files);
}
};
const onPick = (e) => {
ingestFiles(e.target.files);
e.target.value = ""; // allow re-selecting same file
};
const pad = density === "compact" ? "32px 56px" : "56px 64px";
return (
Bring your policies into Helm.
Drag in any life insurance policy — declarations page, certificate, or summary.
We'll read it and pull out the parts that matter.