Nitrogen Insurance Center introduces Coverage Number for advisers

Nitrogen has introduced Insurance Center, an adviser technology product that assesses life-insurance, long-term-care and retirement-income needs through a new Coverage Number. The company says the tool is available immediately as a standalone plan, an add-on to other products or within its Nitrogen Complete bundle.

The launch places insurance coverage into a quantified planning workflow alongside portfolio-risk and tax tools. It is software for financial advisers rather than an insurance policy or an insurer’s rating of a client’s cover.

What is Nitrogen Insurance Center and the Coverage Number?

Insurance Center’s assessment collects household, life-insurance and long-term-care information, then compares a client’s existing coverage with a calculated need to generate the Coverage Number. Nitrogen presents the result as a basis for an adviser-client discussion, rather than a determination of what coverage a client should hold.

Under the company’s stated reference ranges, a score below 100 can indicate a coverage gap worth reviewing, while a score above 100 can indicate potentially excess coverage. Scores from 80 to 120 are typically considered on track, according to Nitrogen.

The calculation uses the DIME framework for life-insurance need and the Genworth/CareScout Cost of Care Survey for long-term-care need, Nitrogen said. The announcement does not set out the formula, weighting or full set of inputs used to produce the score. It also names retirement income among the needs the product addresses without describing a methodology for that element.

Coverage scope and adviser workflow

The Insurance Center for financial advisers supports life and long-term-care planning, as well as a best-interest assessment for annuity coverage. Its purpose is to give advisers a structured way to bring those subjects into planning conversations through a comparable numerical output.

Justin Boatman, Nitrogen’s chief marketing officer and head of product strategy, said insurance commonly sits alongside risk and tax planning but advisers have lacked a quick way to show clients where they stand. Nitrogen says the product is intended to extend the type of visual discussion prompted by its Risk Number into life insurance and long-term care.

The release cited more than 100 million Americans as either underinsured or without coverage, and said 11,400 people turn 65 each day. Those figures were presented by Nitrogen as part of its case for the product.

How does the launch fit Nitrogen’s product line?

Insurance Center is a new 2026 product. Nitrogen had previously announced annuity and insurance capabilities in 2016, when its Risk Alignment Platform added a feature for incorporating annuity and insurance products into a client’s financial picture.

At the same launch event, Nitrogen announced Tax Center updates, wider access to its Nucleus AI agent through Slack and Teams, and an account-opening workflow that names Schwab as its first partner. Taken together, the announcements indicate the company is adding insurance and tax functions to its adviser platform, alongside its existing risk-focused tools.