# Modern Life

> AI\-powered life insurance platform for advisors

## At a glance

| Field | Value |
| --- | --- |
| Category | Distribution & Sales |
| Type | Solutions Provider |
| Region | NA |
| Headquarters | New York, NY, USA |
| Founded | 2021 |
| Stage | Growth |
| Employees | 11-50 |
| Funding | Series A |

## Overview

Modern Life is a distribution and underwriting technology platform for life insurance advisors and producers operating in North America. The platform covers the full advisory lifecycle -- quoting, underwriting acceleration, digital applications, and in-force management -- connecting advisors to a panel of 30+ carriers across life, annuity, and long-term care products.

The platform is built around a proprietary Express Decision capability that compresses the quote-to-approval cycle from months to minutes. Digital tools include an online client fact finder, e-HIPAA compliance systems, a digital trial application, and an integrated case management platform. The company also offers instant quoting for permanent life insurance products. Modern Life operates as a licensed insurance producer across multiple U.S. states.

The company raised USD 35M in total funding -- a USD 15M seed round in 2021 and a USD 20M Series A in November 2025 -- from investors including Thrive Capital, New York Life Ventures, and Northwestern Mutual Future Ventures. Modern Life has been recognized among the fastest-growing insurtech companies and top firms to watch in 2026.

## Products & services

### Express Decision

Proprietary underwriting acceleration capability that compresses the traditional life insurance application timeline. Applications are processed approximately 50 percent faster than conventional methods, with placement rates reported 30 percent higher than industry averages.

**Key features:**

- Rapid underwriting decisions in minutes vs\. weeks
- Handles complex, impaired risk, and jumbo cases
- Integrated with multi\-carrier panel

*Target users:* Life insurance advisors handling permanent life and complex case submissions

### Life Insurance Suite

Multi-product platform giving advisors access to a broad range of life and protection products through a single interface.

**Key features:**

- Permanent Life Insurance for estate planning, retirement, and wealth transfer
- Term Life Insurance \(10\-\-30 year coverage\)
- Long\-Term Care Insurance as standalone or combined living benefit
- Disability Insurance for income replacement
- Fixed, variable, and indexed annuities

*Target users:* Financial advisors, independent producers, and broker\-general agencies serving high\-net\-worth and complex\-needs clients

### Digital Case Management

Integrated workflow and case management system supporting advisors through the full application-to-placement process.

**Key features:**

- Online client fact finder
- e\-HIPAA compliance system
- Digital trial application
- Integrated case status and tracking

*Target users:* Advisor teams managing pipeline and multi\-carrier submissions

## Category & focus

- Subcategories: Life Insurance Distribution, Advisor Platform, Underwriting Automation
- Insurance verticals: Life & Annuity
- Target customers: Agents/Agencies, Brokers

## Notable customers

- John Hancock
- Prudential
- Lincoln National
- Pacific Life
- Nationwide
- 25\+ additional carriers \(30\+ total partnerships\)

## Links

- Website: <https://modernlife.com>
- Directory profile: <https://insurtechlist.com/companies/modern-life/>
- Linkedin: <https://www.linkedin.com/company/modernlife>
- Press/news: <https://www.modernlife.com/press-kit>

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*Last updated: 2026\-06\-14*