Products and roadmap
Simplified issue final expense whole life is the first product, and everything else is sequenced behind it. All of it is in development and pending state approval, which is why you will not find a launch date or a list of states on this page.
One product at a time, in the order that makes sense
A roadmap is easy to write and expensive to keep. This one is short on purpose.
Solved Insurance is the products arm of Solved Ventures, operating as Solved Re Inc. The plan is not to launch a catalog. It is to build one product properly, prove the underwriting on a book we understand, and then extend the same core to the lines that sit next to it.
That first product is simplified issue final expense whole life. After it, additional life lines: term and other permanent products running on the same comparative underwriting engine. After those, senior market protection products, which belong in the same conversation because the person buying burial coverage is usually the person who just finished a Medicare appointment.
What we will not do is announce a line before it is built, or imply a product is available because it is on a plan. Every item below is either in development or planned, and none of it can be purchased.
Solved Insurance products are in development and pending state approval. Nothing described on this page is for sale, nothing here is an offer of insurance, and no premium, rate, or coverage amount is published because the terms are whatever is filed and approved. Join the waitlist to hear when coverage opens in your state.
What is in development and what is planned
Stage describes our own build order. It is not a filing status, not an approval status, and not a release date.
| Product line | Stage | What it is and who it is for |
|---|---|---|
| Final expense, simplified issue whole life | In development | The first product. A small whole life policy for funeral, burial or cremation, and the immediate costs a family faces in the first weeks. Health questions rather than a medical exam, a premium designed not to increase as the policyholder ages, and coverage intended to last rather than expire. Read the product page. |
| Additional life lines | Planned | Term and other permanent products, built on the same comparative underwriting core rather than a second system. For households whose need has a horizon, such as a mortgage or children still at home, as well as buyers who want permanent coverage beyond a final expense amount. |
| Senior market products | Planned | Protection products that sit naturally alongside a final expense conversation, informed by the group's existing senior market distribution. Sequenced last because a new carrier earns the right to a second line by servicing the first one well. |
Planned means designed on paper and sequenced behind the work in front of it. It does not mean filed, approved, or available, and no line on this table can be purchased today.
The state-by-state reality, and why there are no dates
Insurance moves at the speed of regulators. We plan around that instead of pretending otherwise.
- Approval is granted state by state. There is no national license and no single approval that opens the country. Each state department of insurance reviews what is filed with it, on its own schedule, against its own requirements.
- Filings are sequential. A product is filed, reviewed, questioned, and revised. Work in one state informs the next filing, which is why a rollout looks like a sequence rather than a launch.
- The timeline is not ours to promise. A regulator decides when a review finishes. Any date we published would be a guess about someone else's calendar, so we do not publish one.
- No state list until a state is open. Listing states we intend to file in would read as a list of places you can buy coverage. When a state opens, the people on the waitlist in that state hear about it first.
- Distribution is ready before the product is. Agent contracting runs through Solved Solutions and is open now, so the field force exists on the day a state opens rather than being recruited afterward. For agents.
What stays the same across every product
The line changes. These four do not, because they are the reasons the products exist in the first place.
Comparative underwriting
Every product is evaluated by the same patented engine, which reasons about a case against many products at once instead of one at a time. That is how a case finds the right fit rather than the first fit, and how a case that does not fit gets routed instead of lost.
Level premiums where applicable
Where a product is meant to be held for life, the premium is designed not to increase as the policyholder ages. A premium that steps up is how a cheap policy becomes an unaffordable one at eighty, and that outcome is the thing these products are built to avoid.
A licensed agent in the conversation
Most people buying protection at this stage of life want to talk to someone. The technology is there to remove paperwork and waiting, not to remove the person. Agents contract through Solved Solutions and sell on the same stack the product is built on.
Claims designed first
A life insurance company is judged once, by a family, on a bad week. So the claim and the beneficiary experience are designed before the sales experience, and the records from the application stay attached to the policy so nobody asks the family to explain it again.
Why the pricing can be different. Most of what a life insurance policy costs is distribution and process rather than protection. Patented comparative 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 that produces in an actual premium is determined by what is filed and approved, which is why no number appears anywhere on this site.
Read further
Final expense
The first product, in plain language, and what the money is for.
ExploreHow underwriting works
Comparative, multi-product, and explainable, explained without the jargon.
ExploreHow it works
The experience being built, from the first question to servicing.
ExploreSolved Re
Who holds the products, and how risk is structured on purpose.
ExploreFAQs
Questions about the roadmap
What can I actually buy today?
Nothing. Every product described on this page is in development and pending state approval, and no page on this site is an offer of insurance. The only action available to a consumer today is joining the waitlist, which is how you hear when coverage opens where you live.
Why start with final expense?
Three reasons. It is a real need rather than a product invented to be sold. The risk profile is manageable for a new book, which matters when you intend to still be paying claims in thirty years. And it is the line our own team has personally sold, so the design decisions come from having sat at the kitchen table rather than from a market study. Read about the product.
What comes after final expense?
Additional life lines first: term and other permanent products built on the same comparative underwriting core, because the engine that reasons about a simplified issue case is the same engine that reasons about a term case. Then senior market protection products that sit naturally alongside a final expense conversation. Both are planned rather than in development, and neither has a date.
Why will you not publish launch dates or a list of states?
Because a regulator controls that timeline, not us. Product filings are reviewed state by state and sequentially, each department of insurance works at its own pace, and a filing can come back with questions that change the schedule. Publishing a date would be inventing certainty we do not have, and publishing a state list before approval would read as though coverage were available there. We would rather say less and be accurate.
Will the underwriting be the same across every product?
The core is the same. Patented comparative underwriting evaluates a case against many products at once rather than one at a time, and it is multi-product by design, so the same engine reasons about life, Medicare, and ancillary lines. What changes from product to product is the question set and the terms that are filed and approved. How underwriting works.
How will I find out when something is approved in my state?
The waitlist. We collect an email and a state, and we use it to tell you when coverage opens where you live. It is not a marketing list, and there is no application to complete in the meantime because there is nothing to apply for yet.
Something else? Contact us
Hear when a product opens in your state
Everything on this roadmap is in development and pending state approval. The waitlist is the only way to be told when that changes.