For Insurance Carriers

Software for the entire policyholder lifecycle.

Software for the entire policyholder lifecycle.

Software for the entire policyholder lifecycle.

Software for the entire policyholder lifecycle.

Educate. Sell. Engage.

All on one platform.

You’ve got options. Waterlily helps you find them.

Health insurance and Medicare won’t fully cover long-term care. Waterlily helps you stay ahead, protecting your savings and your loved ones.

Built with the world's leading long-term care, life, and annuity carriers.

1 · Educate

AI-native LTC planning

AI-native LTC planning

AI-native LTC planning

2 · Quote

1 click: 1,000,000 policies

1 click: 1,000,000 policies

1 click: 1,000,000 policies

3 · Underwrite

Instant AI underwriting

Instant AI underwriting

4 · Apply

AI applications: no NIGOs

AI applications: no NIGOs

AI applications: no NIGOs

5 · Engage

In-force block education

In-force block education

In-force block education

Why carriers come to us

We built the industry's first AI models for personalized aging risk.

Then we built everything else a carrier might need.

Five products.
One platform.

Distribution Enablement

A guided, honest LTC conversation for every producer.

Underwriting and PUI Automation

Underwriting Automation

AI underwriting insights that catch what producers miss.

New Business and Applications

New Business Applications

End-to-end application workflows,

fully automated with AI.

In-Force Engagement

Aging insights and planning solutions your policyholders actually care about.

Block risk modeling

Model every policyholder individually, not just as a cohort.

Not sure where to start?

Our forward deployed engineers tailor each solution to your specific challenge.

The engine

Predictions you can audit.

Predictions you can audit.

Individualized claim likelihood, timing, duration, and cost, validated by backtesting.

You’ve got options. Waterlily helps you find them.

Health insurance and Medicare won’t fully cover long-term care. Waterlily helps you stay ahead, protecting your savings and your loved ones.

The model

Modeling down to the day and the dollar.

Modeling down to the day and the dollar.

Every product is modeled against a real projected event: triggers, elimination periods, caps, reimbursement mechanics, death benefits, and all the little nuances unique to your policy.


Modeled uniquely for each individual.

You’ve got options. Waterlily helps you find them.

Health insurance and Medicare won’t fully cover long-term care. Waterlily helps you stay ahead, protecting your savings and your loved ones.

The controls

Your procurement team will love us, too.

Your procurement team will love us, too.

White-label theming, approval gates, feature flags, audit trails, SSO, SOC 2, HIPAA, and more.

You’ve got options. Waterlily helps you find them.

Health insurance and Medicare won’t fully cover long-term care. Waterlily helps you stay ahead, protecting your savings and your loved ones.

Carrier-grade controls

Carrier-grade controls

SOC 2 Type II and HIPAA compliant.

SOC 2 Type II and HIPAA compliant.

White-label theming. Your brand, your domain path.

White-label theming. Your brand, your domain path.

Approval workflows. Nothing policyholder-facing ships without sign-off.

Approval workflows. Nothing policyholder-facing ships without sign-off.

Feature flags. Capabilities roll out cohort by cohort.

Feature flags. Capabilities roll out cohort by cohort.

SAML and OIDC SSO. Plus audit trails and environment isolation.

SAML and OIDC SSO. Plus audit trails and environment isolation.

You scrolled this far?
You should probably speak with us.

You scrolled this far?
You should probably speak with us.

You scrolled this far?
You should probably speak with us.

© Waterlily Caregiving 2025. All Rights Reserved.

+1 (510) 239 7411

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© Waterlily Caregiving 2025. All Rights Reserved.

+1 (510) 239 7411

waterlily-x-page

© Waterlily Caregiving 2025. All Rights Reserved.

+1 (510) 239 7411

waterlily-x-page

© Waterlily Caregiving 2025. All Rights Reserved.

+1 (510) 239 7411

waterlily-x-page