Solved Insurance products are in development, pending state approval. See the roadmap

Life insurance, priced for real budgets

Most of what a policy costs is distribution and process, not protection. We are building proprietary life insurance that removes the cost from the process instead of from the coverage, starting with final expense.

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How underwriting works Comparative, explained

Insurance is expensive for the wrong reasons, and almost none of them are the risk.

Solved Insurance products are in development and pending state approval. Nothing on this site is an offer of insurance and no coverage can be purchased yet. This page describes what we are building. Join the waitlist to hear when coverage opens in your state.

Final expense, first

Simplified issue whole life for burial and end-of-life costs. The first product we are building, and the one we know best.

Why this product first
It is a real need, the risk profile is manageable, and it is the line our own team has personally sold.
Simplified issue by design
Health questions rather than a medical exam, so a decision can happen in the same conversation.
Level premiums
The premium is designed not to increase as the policyholder ages.
In development
The product is pending state approval. Nothing is for sale yet, and the waitlist is how you hear first.
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Why the pricing can be different

Most of what a life insurance policy costs is distribution and process, not protection.

Manual review removed
Underwriting a simplified issue case by hand costs money the policyholder absorbs. A model that decides well removes that cost.
No lead aggregator margin
Our sister company generates the demand in house, so nobody upstream is marking up the prospect.
Selective risk
Declining the cases that do not fit keeps the pool honest, which is what lets pricing stay honest.
Shared across the chain
Because the same group owns acquisition, software, and distribution, the savings can go into the price rather than into a margin.
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Patented AI underwriting

Comparative underwriting: evaluating a case against many products at once instead of one at a time.

Comparative, not sequential
The engine reasons about a case across carriers and products together, which is how it finds the right fit rather than the first fit.
Built on real cases
The same underwriting core already powers the AI Plan Recommender inside Solved Enroll.
Explainable
A decision carries the factors behind it, so it can be reviewed and defended later. Compliance requires that, not just good taste.
Speed is a by-product
The point is a better decision. Getting there quickly is what falls out of not queuing for manual review.
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The experience we are building

Answer a few questions, get a decision, and be covered without a paperwork marathon.

A short guided application
Health questions that adapt to the answers already given, rather than a fixed twelve-page form.
A decision in the session
The design target is a decision while the applicant is still in the conversation, not weeks later.
Signed on the spot
E-signature by text, tablet, or email through Solved Enroll.
Design intent, not a promise
This describes what we are building. Timelines depend on state approval.
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Who this is for

People who want the funeral covered and the family not left with the bill.

Final expenses
Funeral, burial or cremation, and the immediate costs that land on a family in the first weeks.
Modest face amounts
Coverage sized for a real purpose rather than an investment product in disguise.
People turned down before
Simplified issue exists for applicants a fully underwritten policy would decline or price out.
Budget first
The conversation starts from what someone can actually pay each month.
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Solved Re

The products and managing general agency business behind the policies.

Who holds the product
Solved Re Inc. is the products and MGA entity inside Solved Ventures.
Risk structured deliberately
Reinsurance is part of the design rather than something absorbed by accident.
Discipline over volume
A book that lapses is worse than a book that was never written, so persistency is the measure.
Methodical expansion
One product, then one state at a time, rather than a nationwide launch.
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What comes next

The same underwriting and enrollment stack extends to more lines as they clear development and approval.

Additional life lines
Term and other permanent products, using the same comparative underwriting core.
Senior market products
Lines that sit naturally alongside a final expense conversation.
State by state
Product filings are sequential, and the rollout plan follows that reality.
No dates published
We will not put a launch date on something a regulator controls.
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Service after the sale

A policy is a thirty-year promise, so servicing matters more than the application.

Reachable humans
A phone number that reaches someone who can see the policy.
Beneficiary support
Claims are the moment the product is judged, and they are designed for first.
Payment flexibility
Options when a policyholder's situation changes, rather than a lapse notice.
One record
The same client record the agent used, so nobody asks the family to explain it again.
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Honest pricing

The goal is a policy where the premium mostly buys coverage.

Where the money goes today
Lead margin, manual underwriting, and layers of intermediaries.
What we removed
The aggregator, the manual review, and several of the layers.
What we kept
Licensed agents, because most people buying final expense want to talk to one.
No teaser pricing
A premium designed to hold rather than step up later.
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Level premiums

Increasing-premium products are how a cheap policy becomes unaffordable at eighty.

Level by design
The premium is set at issue and designed to stay there.
Whole life structure
Coverage intended to last rather than expire at the end of a term.
No surprise step-ups
The reason people lapse late in life is a premium that climbed.
Explained in plain terms
The illustration should be readable by the person paying for it.
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A decision in the session

Not a promise about seconds. A design goal of not making a family wait weeks.

No medical exam
Simplified issue means health questions rather than a paramedical visit.
No manual queue
The model decides, so the case does not sit in someone's inbox.
Referred, not lost
A case that does not fit gets routed to a product that does.
Design intent
Actual timelines depend on the approved product and state.
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Who stands behind it

Knowing who holds the risk is a fair question to ask before buying a policy.

Solved Re Inc.
The products and managing general agency business of the group.
Part of a chain
Acquisition, telephony, dialer software, enrollment, and distribution are all in house.
Reinsurance by design
Risk is structured deliberately rather than accumulated.
Pending approval
Products are in development and not yet available for purchase.
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Built for the family

A life insurance company is judged once, by a family, on a bad week.

Claims first
The claims experience is designed before the sales experience.
Beneficiary clarity
Who to call and what is needed, written where it can be found.
No document scavenger hunt
The records from the application stay with the policy.
Human contact
A person on the phone, not only a portal.
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Built to be easy to sell

Everything about the product was designed with the selling agent in mind.

Decisions the agent can trust
A clear answer rather than a maybe that has to be followed up.
Route, do not lose
A declined case is handed to a product that fits instead of being abandoned.
Fewer chargebacks
Only presenting what a client qualifies for is what stops the chargeback.
On the stack
AgentTech Dialer for the call, Solved Enroll for the one-session enrollment.
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Policy servicing

Most of a policy's life is servicing, so it is not an afterthought.

Reachable
A number that reaches someone who can see the policy.
Payment flexibility
Options when circumstances change rather than a lapse notice.
Self-service where it helps
A portal for the simple things, a person for the rest.
Agent in the loop
The writing agent stays attached to the policy.
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The roadmap

Insurance products move at the speed of regulators, and we plan for that.

Final expense first
Prove the underwriting on a book we understand.
Then more life lines
Term and other permanent products on the same core.
State by state
Filings are sequential, so availability will be too.
No published dates
We will not commit to a date a regulator controls.
Join the waitlist See how it works

Start where families need it most.

Final expense first: a real need, a product our team has personally sold, and a case type where simplified issue underwriting can genuinely decide in one conversation. More lines follow as they clear development and approval.

See the first product
    Final expense The first product, simplified issue whole life
    Patented Comparative AI underwriting at the core
    One Session from application to decision, by design
    Pending State approval, which is why nothing is on sale
What is on the roadmap

Coverage in three steps, plus the part after.

This is the experience we are building. Timelines and availability depend on state approval.

A client and agent reviewing an application

Answer a few questions

A short guided application with health questions that adapt to the answers already given. No medical exam and no twelve-page form.

An agent reviewing a decision on a laptop

Get a decision

Comparative underwriting evaluates the case against the products available rather than queuing it for manual review, and a case that does not fit is routed rather than lost.

A family at home reviewing documents

Your family is protected

Sign by text, tablet, or email through Solved Enroll, with level premiums designed not to increase as the policyholder ages.

Policy documents on a dark surface

And then we service it

A policy is a decades-long promise. Claims and beneficiary support are designed before the sales experience, because that is the week the product is judged.

“We sold this product for years before we tried to build one. That is the only reason we think we can price it better.”
Dustin Snider, Chief Executive Officer, Solved Ventures

What we are building.

Honest pricing, level premiums, a decision in the session, a clear answer about who stands behind the policy, a claims experience designed first, a product agents can actually sell, real servicing, and a roadmap that respects how approvals work.

No premium, rate, or coverage amount is published, because the products are pending state approval and it would be misleading to quote one. See what is in development

How this is being built differently

Join the waitlist
Approach Solved InsuranceIn developmentpending state approval Traditional final expenseAvailableestablished carriers Direct-to-consumer insurtechAvailableonline application
Simplified issue, no medical exam
Comparative underwriting across products at once
Lead acquisition owned rather than bought
A declined case routed to a product that fits
A licensed agent in the conversation
Coverage you can buy today, with a rating history

Comparisons describe the common shape of each category rather than any one company, and are based on publicly published materials. An established carrier's decades of rating history and the simple fact that you can buy its policy today are real advantages we do not have yet. See the detailed comparisons

We will email you once when coverage opens in your state.

FAQs

Still have questions?

Can I buy a policy today?

No. Solved Insurance products are in development and pending state approval, so nothing is available for purchase yet. Joining the waitlist is how you find out when coverage opens in your state, and we will email you once rather than repeatedly.

What is the first product?

Simplified issue final expense whole life: coverage for funeral, burial, and the immediate costs that land on a family. Simplified issue means health questions rather than a medical exam, and the premium is designed to stay level rather than increase as the policyholder ages. We started here because it is a real need, the risk profile is manageable, and it is the line our own team has personally sold.

How can the pricing be different from other insurers?

Because most of what a policy costs is distribution and process rather than protection. Patented comparative AI underwriting removes the cost of reviewing a simplified issue case by hand. Owned lead generation through a sister company removes the aggregator margin. Selective underwriting keeps the risk pool honest. Because the same group owns acquisition, software, and distribution, those savings can go into the price instead of into a margin.

What does "patented AI underwriting" actually mean?

Comparative underwriting: evaluating a case against many products at once rather than one at a time, which finds the right fit instead of the first fit. It is multi-product, so the same engine reasons about life, Medicare, and ancillary lines, and it is explainable, so a decision carries the factors behind it and can be reviewed later. The same underwriting core already powers the AI Plan Recommender inside Solved Enroll.

How fast will a decision be?

The design target is a decision while the applicant is still in the conversation, because there is no medical exam and no manual review queue. We are deliberately not publishing a number of seconds or an approval percentage for a product that is still pending approval. What we can say is what we are building toward and why the architecture makes it possible.

I am an agent. How do I get contracted?

Contracting runs through Solved Solutions, the FMO inside the same group. Agent recruiting for the launch roster is open now, ahead of product approval, so the field is in place when coverage becomes available. The selling experience is built around instant decisions, routing a case that does not fit rather than losing it, AgentTech Dialer for the call, and one-session enrollment through Solved Enroll.

Something else? Contact us