Last reviewed: September 2026.

The Net Worth Value Add is a one-page balance sheet for a household. It lists the household's assets and liabilities, splits them by owner, and prints an estimated net worth.

This article explains every section of the report, where each number comes from, and what you can change.

Requires the Pro plan. The Net Worth Value Add is off by default for every firm.

To turn it on, go to Settings › Value Adds, switch on the toggle on the Net Worth card, and click Save Changes. Only admins can change these settings. On the Free plan the toggle switches back off and an upgrade window opens.

The report:

SurgeTK builds it from four sources: accounts, physical assets, life insurance cash values, and liabilities. It rebuilds the live report every time you open it.

A light green box at the top shows the net worth amount above the label "ESTIMATED NET WORTH".

The heading "Assets" shows the total of all assets. Below it are three tables, from most liquid to least: Cash / Cash Equivalent, Investable Assets, and Other Assets.

The heading "Liabilities" shows the total of all debts. Below it are two tables. Liability Type holds secured debt. Other Liabilities holds unsecured debt. The headers do not say "Secured" or "Unsecured".

Net Worth = Total Assets minus Total Liabilities

Total Assets is the sum of three parts:

Total Liabilities is the sum of the Outstanding Balance of every included liability.

Each source adds a different value and label to the report.

A policy is included only when all three are true:

The Has Cash Value box is checked by default when the Policy Type is Permanent, and unchecked when it is Term. The box decides, not the policy type. A Term policy with the box checked is included. A Permanent policy with the box unchecked is left out.

Why cash value and not face amount? Net Worth shows what the household could access today. The cash value is what the policyholder could receive by surrendering the policy now. The Beneficiary report uses the face amount instead, because it shows what beneficiaries would receive.

SurgeTK reads the account's Account Type. If that is blank or "Other", it reads the raw type that came from your import or CRM. If both are blank or "Other", the type is "Other".

It then tests the type against the patterns below, in this order. The first match wins. Words must match as whole words. Upper and lower case do not matter.

Note: 529, Coverdell, ESA, Custodial, UTMA, and UGMA accounts are removed from the report before this step (see section 10). They reach this step only when you include them from the account's Exclusions tab.

Each liability goes to the Liability Type table (secured) or the Other Liabilities table (unsecured) based on keywords.

Keywords match as whole words. Upper and lower case do not matter. Extra spaces inside a keyword are fine.

When no keyword matches, the liability is unsecured and prints in Other Liabilities. Unrecognized items stay visible for review instead of being placed with secured debt.

A Home Equity Line of Credit is secured, even though it contains "line of credit". The HELOC and home equity check runs before every other keyword.

Every account, physical asset, insurance policy, and liability is placed in one column by its owners.

Net Worth has its own rules. They differ from Guardrails, Buckets, and Beneficiary.

An account with no type in any type field is left off the report. The report prints a footnote above the footer, for example: "*1 account totaling $12,000 is not included above — no account type is set." SurgeTK also records a warning on the Value Add. It names the account by its last 4 digits and says to set the account type, or include the account from its Exclusions tab.

An account typed "Other" is not blank. It prints in Other Assets.

Open the account and go to the Exclusions tab. Under Value Adds, each Value Add has a dropdown with Automatic, Always include, and Always exclude. There is also a switch, Exclude from all value adds — including ones added in the future. A per-Value-Add setting always wins over Exclude from all.

Check these first:

The Liability Type had no secured keyword. If the type is specific, the name and creditor are not checked at all. Change the Liability Type to one that contains a secured keyword, such as "Mortgage" or "Auto Loan".

One of three reasons: the Has Cash Value box is not checked, the cash value is $0 or blank, or the policy status is Closed, Lapsed, Expired, Surrendered, or Terminated. Term policies appear only when the box is checked and a cash value is entered.

The household has one client. The second client column and the Joint column are hidden.

The household has no clients, or it has three or more. With three or more clients, the first two get columns. Anything owned only by a third client prints in Joint.

The owner is not the first or second client, or the item has no owner, or it has three or more owners. An account with no owner prints in Joint.

All settings live under Settings › Value Adds › Net Worth. Click Show Settings to open the fields, then Save Changes. Only admins can save.

There are no rate settings. The report is built only from account values, asset values, insurance cash values, and liability balances.

Blank disclaimer: if you clear the disclaimer and save, the report prints only the standard sentences. The settings page then shows "Default disclaimer for Net Worth Value Add..." in the field. The next Save Changes stores that text and prints it.

Admins can also edit the title and disclaimer in place from the report page with Annotations. Those edits are firm-wide too.

The footer prints the firm Address, Phone Number, and Firm Website URL from Settings › Firm Info. Blank fields are skipped. A small dot in the branding color separates the items.

If a number looks wrong, check for closed or $0 accounts, education and custodial types, blank account types, insurance without cash value, and liabilities or assets with no owner.