Welcome to Afficiency.

We make life insurance simple.

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About Us

Simple. Affordable. Life Changing

We believe that life insurance should be simple to understand, affordable and most of all easy to purchase. With our solution, consumers purchase life insurance directly in about 15 minutes online versus the traditional process that can take two months.

Our solution is 100% smart phone enabled from the initial quote through customer service.

What We Do

We dramatically reduce the cost to acquire and maintain a life insurance customer. We do this by changing the distribution model and using technology such as machine learning to find customers and match them to our products.

By completely digitizing underwriting and customer service, we can streamline the traditional underwriting process and keep prices affordable to the consumer.

How We Do It

Distribution & Digital Expertise

Our key partnerships combined with our digital expertise and predictive modeling enable us to open new markets. We go where the consumers are and provide a frictionless purchase journey.

Tailored Products

We’ve built products from the consumer’s perspective and designed them specifically for the digital space. Our pricing, regulatory and compliance expertise guides insurance carriers through the product development and filing process, accelerating the product launch.

Delivery Platform

Our proprietary platform creates a 100% smart phone enabled client experience from quoting to customer service. AI and machine learning evolve the platform. The carrier can easily update the product through the carrier dashboard.


In the past many have tried to disrupt life insurance space without success. Our team has learned the lessons from those missteps. We bring together the requisite knowledge from the life insurance industry and combine that with expertise in technology, big data and cutting edge digital marketing.