Pick last year’s policy and this year’s renewal. This page finds every added and removed passage and flags the clauses worth reading twice — all on your own computer. We never see your documents. There is nowhere to send them: this tool has no server.
PDFs work if they contain real text (most policies emailed to you do). If your PDF is a scan or photo, use the “paste text instead” option, or use the free human check.
Want plain-English explanations? Click “Copy a prompt for your own AI,” then paste it into the AI you already use and trust — ChatGPT, Claude, Gemini, Copilot. The prompt includes the changed passages this tool found and asks the AI to explain each one and what questions to ask your agent. It happens in your AI account, on your terms — we’re not involved at all.
This tool finds what changed. It can’t always tell you what a change means, and it can miss changes hidden by formatting. If anything above looks concerning — or the results look noisy — send both documents through the free check and a person will read them side by side and reply in plain English within 48 hours. Documents deleted within 14 days.
Get the free human checkA real run of this tool on a sample policy. Halfway through, the internet is disconnected on screen — and the comparison works exactly the same, because nothing ever leaves the device.
The tool shows you exactly what text was added or removed and flags terms like “exclusion” or “artificial intelligence.” It does not know whether a change is good or bad for you. That judgment needs a person — yours, your agent’s, or ours.
If your policy is a scanned image, there’s no text to compare. Try the paste option with text from wherever you can select it, or use the free human check.
When an insurer reflows a whole document, some “changes” are just re-wrapped text. If results look noisy, that’s normal — the flagged-terms list is the part to read first.
Nothing here is insurance, legal, or financial advice. Use the results to ask better questions of your licensed agent or broker — that’s exactly what they’re for. New to the topic? Read the plain-English guide to the new AI exclusions.