How it works
Answer a few questions. Get a decision. Your family is protected. Then we take care of the policy for as long as you have it. Here is what each of those steps is designed to look like.
Four steps, and the last one lasts the longest
Buying life insurance usually means weeks of paperwork. It does not have to. This is the process we are building, and we are building it to finish in one sitting.
Three of these steps happen while you are still in the conversation. The fourth one goes on for the rest of your life, and it is the one most companies talk about least.
Read it straight through. It takes about two minutes.
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Answer a few questions
You give your name, your date of birth, the state you live in, and who you want the money to go to. Then come the health questions. They are written in plain language, and they change based on what you have already told us. There is no medical exam. Nobody comes to your house. You can do this on your own or with a licensed agent who reads the questions with you. Behind the screen, the answers are being cleaned up as you go, so a medicine name you read off a bottle is understood correctly rather than thrown out.
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Get a decision
You do not mail anything in and you do not wait for a callback. Your answers go to the underwriting, which looks at your case against several products at the same time instead of one after another. That is the part that matters. It is not asking whether you fit one policy. It is working out which policy you belong in. If ours is not the right one, it already knows which one is, and you get sent there instead of getting a no and a dial tone.
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Your family is protected
You sign by text, tablet, or email. Whatever is easiest for you. The application is already filled in from what you answered, so you are not writing the same thing twice. You set up how you want to pay. You get a copy of everything in writing, and your beneficiary is on the record from day one. The premium is designed to stay the same as you get older, and the coverage is built to last rather than run out on a date.
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And then we service it
This is the part that lasts thirty years. You get a phone number that reaches a person who can actually see your policy. If your situation changes, there are options before there is a lapse notice. The agent who wrote it stays attached to it. And when your family calls to make a claim, the file from your application is still there, so nobody asks them to go find papers you already sent us.
Why it is designed to be this fast
The speed is not a shortcut, and it is not a trick. Three things were taken out of the process. None of them was protection.
No medical exam
A fully underwritten policy sends a nurse to your house, takes blood, and then waits on records from your doctor. That is where most of the weeks go. Simplified issue asks health questions instead. It is a real trade, and it is the trade that lets people with health history get covered at all.
No pile to wait in
Normally your application goes into a queue and waits for a person to open it. Most of the delay is not somebody thinking hard about your case. It is your case sitting still. Take away the queue and you take away the wait. That also removes a cost, and costs in the process end up in the price.
Patented comparative underwriting
Our underwriting looks at your case against many products at once rather than one at a time. Doing it all together is faster than doing it in a line, and it gives a better answer, because the right fit is found instead of the first fit. How that works.
What we are not going to tell you. You will not find a number of seconds or minutes on this page, and you will not find a percentage of people who get approved. The product is still pending approval, so those numbers do not exist yet. What we can tell you is what we are building and why the design makes it possible.
What you will need
Three things. Have them within reach and the application is meant to go in one sitting.
- Basic information. Your full name, your date of birth, your address, and the state you live in. The application will ask for a Social Security number, the way every life insurance application does, because your identity has to be verified.
- Your medications. The easiest way is to bring the bottles to the table and read them off. You do not have to spell anything perfectly. The system is built to understand the name you read out loud.
- A way to pay. A bank account or a card. The application will ask how you want the premium taken and on what day of the month, so it lands after the check you live on, not before it.
- The name of your beneficiary. The person who should get the money. Their full name and their date of birth if you know it. You can change this later.
- That is the list. No medical records. No lab results. No letter from a doctor. Nothing you have to go find in a drawer.
What happens after
A policy is a promise that has to still be good in thirty years. Here is what that is designed to look like.
While you have it
A phone number that reaches a person who can see your policy. A simple way to change your address, your bank account, or your beneficiary. If money gets tight, options to talk about before a lapse notice shows up. The agent who wrote the policy stays attached to it, so you are not passed to a stranger every time.
When your family needs it
Your beneficiary calls, tells us what happened, and is told exactly what is needed and who is handling it. Everything from your application is still on file. We design this part first, before the sales part, because it is the only week that really counts.
FAQs
Common questions
Do I need a medical exam?
No. The product being built is simplified issue. That means health questions instead of an exam. No nurse comes to your house. There is no blood draw and no waiting on records from your doctor.
Is it a long form?
It is not meant to be. The application is short and guided, and the questions change based on what you have already said. If you take two medications, you are not walked through a list built for someone who takes twenty. You answer what applies to you and nothing else.
Do I have to talk to an agent?
You can if you want to, and most people do. A licensed agent can walk through it with you on the phone or at your kitchen table. The technology is there to remove the paperwork and the waiting, not the person.
What if the answer is no?
You are not left with nothing. The underwriting looks at several products at once, so if ours is not the right fit, it already knows which one is. You get pointed somewhere real instead of getting turned down and shown the door.
What does my family have to do later?
Call the number on the policy and tell us what happened. The person who answers can see the policy. The paperwork from your application stays attached to it, so nobody asks your family to prove things you already told us. The claim is the week this product is judged, and it is designed first.
When can I actually get covered?
Not yet. The product is in development and pending state approval, so there is no application to fill out today. Join the waitlist and we will email you when coverage opens where you live.
Something else? Contact us
You cannot buy this yet
We would rather say that plainly than let a well-designed page imply otherwise.
Solved Insurance products are in development and pending state approval. No coverage can be purchased today, nothing on this page is an offer of insurance, and everything described here is design intent for a product a regulator has not finished reviewing. Join the waitlist and we will email you when coverage opens in your state. That is the only way to hear first.
Tell us where you live and we will tell you when
One email when coverage opens in your state. Not a campaign, and nothing to buy in the meantime.