For advisers
Case preparation for firms handling a bereavement
Your firm gives the advice and is responsible for it. Survivor Engine does the fact-finding, the arithmetic and the paperwork, and shows how each number was reached.
Who it is for
Firms that already help bereaved clients
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Financial planning firms
You see bereaved clients regularly and have no specialist tooling for it. Survivor Engine joins the estate to the long-term plan in one case file, so you are not rebuilding the position by hand for each client.
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Private client solicitors doing probate
When the estate is distributed, the survivor often still needs help. Hand them on with a prepared case, or keep the client through an in-house planner.
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Accountancy practices
Bring the estate work and the survivor's ongoing planning together, with the tax position traced to its sources.
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Insurers and pension schemes
A guided service alongside a death claim is something we would like to offer in time. We expect these organisations to ask for independent security certification first, and we do not have that yet.
Survivor Engine is not offered to individuals. A figure such as a safe monthly spend, given to someone without an adviser, could amount to a personal recommendation. It is used by firms, with an authorised adviser responsible for what reaches the client. See the use cases.
Evidence
The record behind the report
A firm helping a bereaved client needs to be able to show what the client was told, in what order, and on what basis. Much of that evidence is assembled by hand today.
Survivor Engine keeps it as it goes: the facts entered, each calculation with its inputs and outputs, the rule pack in force, who signed and what exactly they signed. The record is tamper-evident, so a later change would show.
This can support the records your firm keeps. It does not make a firm compliant with any rule, and your own compliance judgement still applies.
Care
Protections for a vulnerable client
- Staged disclosure: the client sees what matters now, not everything at once.
- A cooling-off period on actions that cannot be undone.
- A delay involving a trusted contact on large transfers.
- A statement of the model's limits on every report.
- Health information is used only where the client's consent has been recorded, and the consent can be withdrawn.
Pilot and indicative pricing
Planning figures, being tested with pilot firms
Survivor Engine is in private pilot. The prices below are indicative. They are planning figures that we are testing with pilot firms, and they may change. They are not an offer.
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Private pilot
Free
three live cases
In exchange, your firm's reviewer checks the rule pack and, if the pilot works for you, you provide a written reference.
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Per case Indicative
£250 to £400
per case
For firms with a small number of bereavement cases a year. A firm may be able to pass this through as a disbursement.
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Per adviser Indicative
£300 to £500
per adviser, per month
A subscription for firms with regular volume. It includes the monitored, source-checked rule pack for each tax year.
The recurring element is the upkeep of the rule packs: monitoring official sources, reviewing changes and preparing each new tax year. That is the part a firm is least able to maintain alone.
Due diligence
Questions your compliance officer will ask
- Is this advice? Who is responsible?
- No. Every output is marked as indicative analysis until a named, authorised adviser at your firm signs it. The sign-off binds their name and regulator reference to the exact content. Your firm gives the advice and is responsible for it. Survivor Engine and its operator do not give financial, tax or legal advice.
- How do we know the tax figures are right?
- Each figure is stored with its official source and an automated check that re-reads it. You can see a live run of the checks, the history of proposed and approved changes, and who adopted the pack and when. As of today no pack has been adopted by a tax professional, and reports are stamped as drafts.
- What happens when the law changes?
- A watcher notices the change, the affected figure is quarantined, a proposal is raised, and a reviewer approves or rejects it. Client-ready output is blocked until it is resolved. We can demonstrate this.
- What are the model's assumptions?
- They are listed in the rule pack, each with its source, along with how the mortality model compares with Office for National Statistics figures and a list of known approximations.
- What about data protection?
- Your firm is the data controller and the operator, Quantum Syndicate Ventures Ltd, is your processor. Case data is kept for six years after a case is closed, or longer for pension-transfer advice, and can be exported or erased. Health information is special category data. It is optional and is stored only with recorded consent. A data protection impact assessment has been drafted and is not yet signed. See security and data protection and the privacy notice.
- What about security assurance?
- Sign-in is in two steps, each firm's data is kept separate, and encrypted backups are taken daily with a weekly restore test. An internal security test ran 46 checks and found 10 weaknesses, all of which were fixed. There has been no independent penetration test and the service holds no security certification. We set out what is in place, and what is not, on the security page.
- What if a figure is wrong?
- Every report carries a statement of what the model does not cover, and an adviser reviews the output before it is used. Responsibility for advice stays with your firm. Liability terms are part of the pilot agreement and we will go through them with you.
Private pilot
See it on a sample case
We will bring a sample report and walk through how each figure was reached. If it looks useful, we can talk about a pilot on three of your live cases once the service is open for client data.
The button opens an email to george.amoako-atta@quantumsyndicate.ai.