What it does

Open Insurance and the adequacy panel compares:

• Recommended cover — based on your income, mortgage / liabilities, dependents, and standard income-replacement years
• Actual cover — what your policies record across life, TPD, and income protection

For each line, you see the gap (or surplus) and a percentage of recommended.

How it works

The recommendation uses widely-published methodologies (income replacement years × annual income, debt + dependents adjustments). Frank does NOT recommend specific cover amounts — the figure is presented as a sense-check, with a beefy "information only" wall above it.

Sharing with your planner

If you have a financial planner already invited as a collaborator (Settings → Sharing), the panel surfaces a "✓ Your planner has access" note. Otherwise it shows a "Share with my planner →" link that takes you to the invite flow.

The intent is honest: insurance is a regulated advice domain, and the right next step on a flagged gap is a conversation with a licensed planner, not a Frank-driven action.

What's NOT here

• No prescriptive recommendation ("take out $X of life cover")
• No specific product names (no insurer names, no policy comparisons)
• No "buy now" CTA

Per AFSL safety rules, Frank's adequacy visualiser is strictly informational. The advice piece belongs with a licensed adviser.