Afficiency

Afficiency Product Suite

Our innovative suite of 100% digital, instant-decision life insurance products is designed for a frictionless experience. From term life to indexed universal life, every product is built for the modern consumer and distributor -- fast, simple, and fully digital.

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Our Product Offerings

Distributors & Platform Providers

A comprehensive lineup of life insurance products, all available through our 100% digital platform with instant underwriting decisions.

Level Term

100% Digital Term Life Insurance

Coverage: $25,000–$2,000,000
Ages: 18–60
  • Instant decision
  • No medical exam
  • Application in under 10 minutes
  • 100% digital process

Final Expense Whole Life

Simplified Issue Whole Life

Coverage: $5,000–$25,000
Ages: 45–80
  • Simplified issue
  • Guaranteed acceptance options
  • No medical exam
  • Permanent coverage

Participating Whole Life

Build Cash Value Over Time

Coverage: $25,000–$500,000
Ages: 18–65
  • Cash value accumulation
  • Dividend participation
  • Permanent protection
  • Flexible payment options

Indexed Universal Life

Flexible Protection with Growth Potential

Coverage: $100,000–$2,000,000
Ages: 18–65
  • Index-linked growth
  • Flexible premiums
  • Death benefit flexibility
  • Cash value accumulation

Annual Renewable Term

Short-Term Flexible Coverage

Coverage: $25,000–$500,000
Ages: 18–65
  • Annual renewal
  • Convertible to permanent
  • Flexible coverage amounts
  • Cost-effective short-term protection

Explore Our Product Suite

Ready to offer your customers 100% digital, instant-decision life insurance? Let us walk you through our full product lineup and find the right fit for your distribution channel.

Book a Demo