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No. Our products are in development and pending state approval, which means nothing on this site is an offer of insurance and no coverage can be purchased yet. The only thing you can do today is join the waitlist. If you need coverage in place right now, talk to a licensed agent about a policy that is already approved and for sale, and do not wait on us.

It is a small whole life policy bought for a specific job: paying for a funeral, a burial or a cremation, and the immediate bills a family faces in the first weeks after a death. Coverage is meant to last for life rather than expire at the end of a term, and the premium is designed to stay level instead of climbing as you age. It is not an investment and it is not meant to replace someone's income.

It means the application asks health questions rather than sending you for a medical exam and a blood draw. Fewer steps, and a decision that can happen while you are still in the conversation. The trade is that the questions carry more weight, because they are most of what the insurer has to go on. A fully underwritten policy asks for more and often prices lower for a healthy applicant.

Because an insurance product cannot be sold until a state insurance department approves the policy form and the rates. Until that happens, taking an application would be putting a product on sale that does not legally exist yet. The waitlist is how we keep a list of people to notify, without pretending we are open.

We do not know, and we are not going to guess. Product filings are reviewed state by state, and the timing belongs to each state insurance department rather than to us. We will not publish a launch date for something a regulator controls, and we will not publish a list of states as though they were approved. When your state opens, the waitlist is how you hear.

We use it to tell you when there is something real to tell you: that coverage has opened in your state, or that the program has changed in a way that matters to you. We are not building a daily newsletter, and we do not sell or rent the list. The waitlist collects an email address, what you are interested in, and your state. It does not ask for health information.

Every email we send carries an unsubscribe link, and using it removes you. You can also email contact@solved.insure and ask to be removed, and we will do it and confirm. You do not have to give a reason.

The product being developed is simplified issue, which by definition means health questions rather than a paramedical exam. What the final approved application asks is set by the product a state approves, so we describe the design and label it as design rather than as a guarantee.

Contracting runs through Solved Solutions, the field marketing organization inside the same group, and recruiting for the launch roster is open now so the field is in place when coverage becomes available. Commission levels, hierarchies, advances versus as-earned, and statement questions are all conversations to have with Solved Solutions directly rather than with us.

Solved Insurance operates as Solved Re Inc., the products and managing general agency business inside Solved Ventures, alongside sister companies that are already running in production: AgentTech Dialer, Solved Telephony, Solved Marketing, and Solved Solutions. What is genuinely early is this product line, and we would rather say that plainly than dress it up.