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The Risk Lab

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Welcome

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    This is what your dashboard looks like with clients in it. Add your first client to replace the examples.

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    Revenue received

    Last 12 weeks vs prior 12

    $0

    Workflows in motion

    Sorted by last activity

    WorkflowStageQuotesLast activityValue

    Next up

    Open tasks

    Activity

    Events logged — last 7 days

    0

    In-force premium by insurer

    premium /yr

    Cover in force

    Ask the practice AI

    Inbox

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    A live view of tasks due this week and policies renewing this month. There is nothing to clear here: tick a task off on the Tasks page and it drops out.

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    Clients

    These are examples of what this list looks like. Add your first client to replace them.

    Profile complete Profile incomplete No contact details
    0 selected
    Workflow Client Stage Quotes Owner Last activity Actions
    Client Insurer / product Annual premium Renewal date Status
    Book total

    Discovery notes

    Paste meeting notes (Granola, Fireflies, Plaud, your own). AI reads them, fills the profile, and flags discovery insights.

    Add client

    Confirm the client profile (general advice — facts only). Edit anything. Fields shaded orange are what a lead needs: name, phone, date of birth, occupation and income.

    Only an admin can reassign the adviser on an existing client.


    Partner details

    Business details


    SMSF details

    Client

    This client is archived.

    Client profile

    Cover at a glance

    Annual premium—
    Next renewal—

    Active workflows

    View all →
    WorkflowTypeStageOwnerUpdated

    Open tasks

    View all →
    TaskCategoryDue

    Notes & communications

      Workflows

      Workflow UpdatedStage Owner Type

      Policies

      InsurerCoverWorkflow PremiumReceived RenewalStatusActions

      Tasks

      TaskWorkflowCategoryStatus Priority Due
      Drop files to add themNot for ID documents (TFN, driver licence, passport)

      Documents

      Every document across this client — every workflow, plus anything filed at client level. Drag files onto this card to add them.

      DocumentWorkflow AddedType

      Notes

      Every file note across this client — every workflow, plus client-level notes.

        Every note created, edited, re-dated, shown or hidden on the portal, or deleted, newest first. A deleted note keeps its last text here.

          Communications

          Every email, signing session, and portal view for this client, newest first.

            The client's portal — everything in one place

            One secure link covering every active workflow, their cover, documents and details. The client verifies with an emailed code or their date of birth; while you're signed in, opening it gives you a read-only preview — no code needed.

            Workflow links

            Every live workflow also has its own secure portal link (same verification as the client portal — set under Settings → Security; read-only preview for you while signed in).

            Workflow ExpiresVisible on portal

            🌐 client-level documents and notes appear on every workflow's portal for this client.

            Workflow

            Cover review

            Quotes & applications

            Steps

            The end-to-end advice process. Ticking off a step moves the workflow forward automatically.

            Compliance · Adviser File Checklist

                Drop files to add themNot for ID documents (TFN, driver licence, passport)

                Documents

                Document AddedType

                Generate documents

                Quote pack · FSG · Client Acceptance — generated documents land in the list above, each with its own Word download.

                Signing sessions guided link · email OTP

                Every OTP-verified signing session for this workflow, newest first.

                Notes

                  Application

                  Policy

                  Add quote

                  Saved drafts

                  Cover

                  —

                  e.g. “Quotes for a 40yo male non-smoker electrician in VIC on $120k, wants $500k life and $500k TPD.” Use Wispr Flow or any dictation to speak it. AI fills the fields below.

                  Drop in a renewal letter or policy schedule (PDF). AI reads it, fills the client and cover below, and you run an apples-with-apples market comparison.

                  Benefit must be ≤ 70% of monthly income.

                  Advanced underwriting options TPD basis · payment frequency · commission

                  Practice standard: life, TPD and trauma quoted together are structured as linked covers; buy-back and reinstatement are included unless you switch them off. Options only apply when the matching cover is quoted.

                  Quote comparison

                  Set the cover, then “Get quotes”.

                  Your insurer comparison appears here

                  Set the cover amounts on the left and run Get quotes — priced insurers list cheapest first.

                  Already have the insurer's quote? Drop the PDF anywhere on this page and we'll read it, check it against the market and build a client presentation.

                  Show premium:
                  · click or tap a row for the breakdown & underwriting

                  insurers in the client's quote pack

                  Insights

                    General advice only — does not consider personal objectives, situation or needs. A draft for adviser review.

                    Tasks & follow-ups

                    These are examples of what this list looks like. Add your first client to replace them.

                    0 selected
                    Task Client WorkflowType Status Assignee Due
                    Page size
                    0 of 0

                    Compliance

                    Items missing from each client's advice file. Fix them, assign them, or waive with a reason.

                    These are examples of what this list looks like. Add your first client to replace them.

                    0 selected
                    ClientWorkflowMissing item StatusAssignee Updated
                    Page size
                    0 of 0

                    Quotes & Applications

                    Every quote run and every application in flight, across every client — one place to see what's moving and what's stuck.

                    These are examples of what this list looks like. Add your first client to replace them.

                    0 selected
                    DateQuote Client Run by Top insurer / premium Selected

                    0 selected
                    ClientWorkflow Insurer / product / premium Stage Updated

                    Revenue

                    Pipeline — potential upfront

                    Live workflows valued off the cheapest insurer in their latest quote.

                    Client · workflowStage Est. upfront

                    Renewals — next 90 days

                    Policy anniversaries coming up — confirm the premium and keep the ongoing commission.

                    ClientInsurerRenews PremiumOngoing /yr

                    Ongoing commission by insurer

                    per year

                    Top clients by revenue

                    ClientPolicies Ongoing /yrUpfront this FY

                    Commission defaults use the maximum rates — 60% upfront of first-year premium and 20% ongoing (trail). Override per policy in the policy card's Revenue section.

                    Weekly statements (RCTI)

                    Upload the licensee's weekly statement (RCTI) — the .xlsx carries the commission line items, the .pdf adds the payment summary (fees & net due); both for the same week merge into one record. Lines are matched to your recorded policies, and a matched "Insurance Initial" line marks that policy's upfront as paid ✓. Use + Add at the top right to upload one.

                    Week endingLines · matched InitialOngoing TotalNet due

                    Received by policy

                    Client · policy Upfront this FY Trail this FY Total this FY Total to date Last statement
                    Client Policies Upfront this FY Trail this FY Total this FY

                    Referral partners

                    Businesses that refer clients your way — pick one on a client's "Referred by" field to track who sent you the file.

                    BusinessContact Email / phoneReferred clients Arrangement Upfront share Ongoing share /yr Received share FY Status

                    Partners

                    The businesses that refer clients to you: their arrangement, the clients they sent, the commission you share with them and their partner portal.

                    These are examples of what this page looks like. Add your first referral partner to replace them.

                    Business Contact Arrangement Referred In force Upfront share FY Trail /yr Leads waiting Portal Actions

                    A partner's share is a percentage of the commission you earn on the clients they refer (brokerage, ex GST). Actual figures come from your weekly statements; expected figures from the in-force book. Reporting only: no invoices are raised.

                    Referred clients

                    Everyone who names this partner in "Referred by". Click a client to open their file.

                    Client Status In force Upfront share Trail /yr Referred

                    Settings

                    Settings for your practice and your team.

                    Change anything below, then save.

                    Organisation

                    The practice this workspace belongs to. Your plan and seats come with your subscription — the name is the part you can change here.

                    Plan
                    —
                    Status
                    —

                    Insurance business details

                    Printed on every client-facing document this practice generates — the profile, the schedule of insurance and the quote pack.

                    Shown on generated client documents (profile, schedule, quote pack) instead of the flask wordmark. PNG/SVG with transparency works best, under 300 KB.

                    none

                    Brand

                    How the client portal and client-facing emails are styled — the wordmark, colours and footer note your clients see.

                    Replaces "The Risk Lab" in the portal masthead and email header. Leave blank to keep the default.

                    Replaces the default general-advice footer line on client-facing emails and the portal. Leave blank to keep the default.

                    The Risk Lab
                    Email header mock View your documents

                    Your sign-in

                    How people sign in to your practice, and how long a forgotten screen stays open.

                    Password
                    At least 10 characters. A few words in a row works well. Changing it signs you out of your other devices. If you forget it, "Forgot password?" on the sign-in screen emails you a reset link.
                    Automatic sign-out
                    You're signed out after 60 minutes of inactivity. We warn you two minutes before. "Never" keeps people signed in until they sign out themselves (sessions still end after 30 days).

                    The sign-out time applies to everyone in the practice.

                    Per-adviser client scoping
                    When on, an Adviser only sees the clients/files/workflows they created — plus any legacy data with no owner yet. Admins always see everything.

                    Portal link expiry
                    Days before a client or workflow portal link expires. Leave blank for links that never expire (today's behaviour) — existing links keep working either way.

                    Client verification
                    How a client proves it's them on every link you send — portal, workflow and document signing. Date of birth is only offered to clients with one on file; anyone without a DOB is always offered the emailed code.

                    AI models

                    Which model runs each AI feature for this practice. "Practice default" follows the deployment — change it here only if you want a different balance of cost and reasoning.

                    Activity log

                    Everything that happened and everything that went out, including errors. Select a row to see its details.

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                    Insurer branding & contacts

                    Give each insurer a logo (it replaces their name across comparisons, dashboards and policy lists) plus the customer-service email and phone you use to deal with them directly.

                    LogoInsurerCustomer service emailPhone
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                    About this workflow type

                    How this workflow type is named across the app: in the picker when you start a workflow, in the planner, and on this page. Leave a field blank to use the built-in wording.

                    Workflow templates — the steps each workflow starts with

                    The steps generated for every new workflow of each type. Edit titles, move steps, change the stage they gate, add or delete — newly created workflows follow the saved template (existing workflows keep their steps). Stages drive the automatic progression: when every step at a stage is ticked, the workflow advances.

                    StageTitleAssign toDue (days)

                    Task types

                    The categories you can choose when you add or edit a task, and the filter on the Tasks page. Add one per line; names like "Document request" are tidied up for you. Steps that come from a workflow, and review requests from clients, keep their own category.

                    Workflow task timing

                    Steps fall due this many days after their stage becomes active. A step's own "Due (days)" in the template above takes priority when set; this is the fallback for steps with no offset of their own. Blank = no due date.

                    When steps open

                    A workflow's plan can have a lot of steps. Choose when a new workflow's steps turn up on the Tasks board, the Inbox and the dashboard. The rest wait on the workflow's Steps tab, marked Planned, where you can open any of them early. Applies to workflows created from now on; a running workflow keeps the way it was created.

                    When a new workflow opens its steps
                    Open a step this many days before it's due
                    0 to 30. A step also opens as soon as its stage is reached.

                    When a client is added

                    Choose what happens after you add a client. Either way you land on their profile.

                    After adding a client

                    "Client type default" uses the workflow and template set for each client type below.

                    Client types — the default workflow each new client starts with

                    Every client has a type, chosen when you add them. Each type has a default workflow (its kind, template and owner), used whenever a workflow is started for a client of that type. Pick which type is pre-selected on the form.

                    Client creator applies when no fixed default is needed. Unassigned remains available.

                    LabelKeyWorkflow TemplateOwner Default

                    Import clients and policies

                    Bring in clients and policies from a CSV or Excel file, such as an export from your old system or an insurer. Choose the file, check what each sheet is and which column feeds which field, then Import. Clients go in first, so a policy in the same file can find its client. Clients you already have are filled in where details are missing, never overwritten.

                    Columns you don't map are ignored and never stored. You can also add clients one at a time with Add client, or let meetings and emails create work for you from Integrations (Granola, Fireflies, the Email agent).

                    Meeting notes

                    Connect Granola or Fireflies and your meetings are filed straight into client workflows, or send them from any other app with a webhook (below).

                    Webhooks & other apps

                    Paste this URL into Fireflies → Integrations → Webhooks (event: transcription completed), or into Zapier / Plaud / Otter as a POST webhook. Anyone with the URL can file meetings into your practice — treat it like a password.

                    For developers: the meeting format a webhook accepts
                    {
                      "source": "otter",
                      "id": "abc123",
                      "title": "Jane Doe - annual review",
                      "date": "2026-08-19T10:00:00Z",
                      "attendees": ["jane@example.com", {"email": "adviser@therisklab.online", "name": "Sam Adviser"}],
                      "transcript": "Jane: ...\nSam: ...",
                      "summary": "Optional AI summary if the source already produced one.",
                      "notes": "Optional free-text notes.",
                      "url": "https://otter.ai/u/abc123"
                    }

                    Send it as a POST to the generic URL above. Only source and id are required. A meeting is matched to a client by attendee email, then by a name in the title. Anything that doesn't match waits in the Inbox for you to match it.

                    Email agent

                    Forward insurer approvals, requirements, commission statements or client emails to this address. The agent sorts them, files the attachments and suggests what to do next in your Inbox.

                    —

                    Last poll: —

                    Platform: dev webhook — —

                    POST an .eml here with the ingest token during setup.

                    My keys

                    Keys let an AI assistant or an automation work in The Risk Lab as you, with read-only or read-and-write access. Connect them through the API or the MCP server. The full key is shown once, when you create it.

                    KeyNameScopes CreatedLast used
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                    Connect

                    Point an MCP client or automation at these endpoints. Replace rl_live_… with a real key from above.

                    
                                
                              
                    
                                
                              
                    
                                
                              

                    Assistants that have write access make changes without asking first. Only give write access to assistants you trust.

                    Users

                    Everyone who can sign in to this practice.

                    EmailRoleInvitedExpires
                    NameEmailPracticeRoleAdded
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                    Public education hub

                    The public-facing education page at /hub — anonymous AI chat, a cover calculator, the insurer PDS/TMD library and the “talk to an adviser” lead form. Share the link, or open it to preview.

                    Features

                    Turn sections of the hub on or off. A disabled section disappears from the page and its requests are blocked server-side.

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                    Usage analytics

                    Page views, AI chats and leads — all time, with the last 30 days charted below. Counts come from the activity log.

                    Last 30 days

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                    Recent hub activity
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                    Sign-ups

                    ReceivedPracticeNameEmailLicenseeStatus
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                    Deployment overview

                    Every organisation on this deployment, not just this practice's own — visible only because this is the platform superadmin account.

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                    Organisations

                    Every practice and licensee on this deployment. Add one from the Practices card on the Team tab, and link a practice to its licensee there. A practice with users or clients can’t be deleted until those are moved or removed.

                    NameTypeLicenseePlanSeatsStatusTrial ends UsersClientsLast activity
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                    Practices

                    The practices licensed to you. Open one to audit its clients, workflows and files.

                    PracticeClients WorkflowsUsers Last activity
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                    Practice

                    ClientEmailPhone ProfileUpdated
                    ClientWorkflowMissing item StatusAssigneeUpdated
                    NameEmailRoleAdded

                    Everything logged in this practice, newest first. Your own views show as “Licensee oversight”.

                      Clients

                      Every client of every practice licensed to you. Open one to see the whole file.

                      ClientPracticeEmail PhoneUpdated
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                      Compliance

                      Items missing from advice files across your practices. Read-only: the practice fixes, assigns or waives them.

                      ClientPracticeWorkflow Missing itemStatusUpdated
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                      Client

                      Read-only. Opening this file is recorded in the practice’s activity log.

                      Templates

                      Starred Template Stages Steps Default owner Default for
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                      Every new workflow starts from one of these. Which one a new client gets is set per client type in Settings → Workflows.

                      EmailSubject CategoryStatus
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                      Placeholders fill automatically on send: {first_name} {client_name} {adviser_name} {practice_name} {workflow_title} {link}. Add your own templates with + Add template; they appear in the email composer next to these.

                      Starred TemplateVersion Status
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                      Everything here appears as a tick-box option when you compose a signing session from a workflow. Add your own by writing it, uploading a document as it is, or uploading a PDF and letting AI rebuild it as clean, editable text.

                      The Risk Lab · CAR 1304330 · LifeRisk Online API · general advice back-of-house tool.

                      Ask the practice

                      AI

                      The assistant reads your live data and proposes actions — you approve each one.