Life Insurtech Afficiency Partners with Bubble to Offer Income Protection Insurance to California Mortgage Borrowers

Bubble launches IncomeSense with Afficiency and Western & Southern Financial Group

NEW YORK, NY/ACCESSWIRE/September 27, 2022/ Afficiency, an insurtech transforming the end-to-end life insurance purchase process, and Cincinnati-based insurance conglomerate Western & Southern Financial Group today announced a new product integration with Bubble, an insurtech connecting seamlessly buyers and homeowners with personalized home, auto and life insurance coverage. This collaboration allows Bubble to integrate IncomeSense, an income protection life insurance product developed by Afficiency and Western & Southern, alongside or after the home buying and mortgage process. IncomeSense on Bubble is available to California borrowers planning to expand to other states in the near future.

By integrating IncomeSense into its native environment through Afficiency’s proprietary API, Bubble eliminates the friction of applying for and purchasing income protection – making it easy for borrowers to protect their families. IncomeSense is designed to be affordable and offered 100% digitally through Bubble’s online platform,, with policy decisions delivered in minutes, without any medical tests.

“This partnership further reinforces our mission to help homeowners protect everything and everyone under their roof,” said Avi Gupta, Founder and CEO of Bubble Insurance. “Our goal is to catalyze access to insurance products that fit the homebuyer profile, that are easy to understand and even easier to buy. IncomeSense meets all of these criteria and is an integral part of our mission to help homeowners have peace of mind.”

IncomeSense is a decreasing term life insurance solution that can provide monthly income payments to life insurance beneficiaries to cover monthly mortgage payments or replace an employee’s income. It’s a simple digital insurance solution that can help ensure that the standard of living a family enjoys remains within reach, even if the unthinkable happens. For homeowners with a mortgage, this can help cover mortgage payments to ensure the family still has a home.

“We are thrilled to bring IncomeSense to Bubble,” said Mark Scafaro, co-founder and CEO of Afficiency. “Bubble shares our mission to remove friction from the insurance buying process, accelerate access to coverage when it’s most relevant, and bring people back to the meaning of it all: maximizing life. .”

“Western & Southern Financial Group is focused on delivering the innovative, tailored products that people need most as they move through different phases of their lives,” said Ben Fotsch, vice president of customer acquisition. digital at Western & Southern Financial Group. “At a time when homebuyers are making an important life decision, IncomeSense stands out as an easy choice for life insurance.”

About efficiency

Afficiency is an insurtech that transforms the end-to-end life insurance buying process and accelerates the time it takes for applicants to be approved and covered. With Afficiency’s digital life insurance platform, it’s never been easier to offer 100% digital in-session policy decisions. Afficiency enables distributors and other trusted brands to white label and distribute Afficiency’s life insurance products in a customizable way. Thanks to our proprietary API, we can integrate our suite of products into the native environments of our partners. And for those starting from scratch, we can offer an out-of-the-box customer journey. Afficiency works with its insurer and reinsurer partners to develop these products and has a growing product catalog covering categories such as term insurance, whole life insurance, disability and universal life insurance. All of our products are digitally underwritten and delivered to candidates in seconds. We’ve issued thousands of policies to date, closing the life insurance coverage gap, eliminating friction and protecting more lives. To learn more about Afficiency, visit

About the bubble

Bubble’s mission is to help homeowners protect their homes, loved ones and everything under their roof with the right insurance coverage at the right time and at the right price. By integrating online insurance into the home or mortgage buying journey, and home ownership journeys, Bubble’s sophisticated artificial intelligence algorithms combine transaction data real estate with its own comprehensive library to streamline the insurance buying process, from accurate online quotes to personalized recommendations. , simplified application and instant approval. Find out how Bubble is integrating digital insurance into housing journeys, or get your own Protection Bubble today at – Smart insurance for total insurance.

About Western & Southern Financial Group

Founded in Cincinnati in 1888 as Western and Southern Life Insurance Company, Western & Southern Financial Group, Inc., a Fortune 500 company, is the parent company of a group of diversified financial services companies. Its assets owned ($66 billion) and managed ($35 billion) totaled $101 billion as of June 30, 2022. Western & Southern is one of the strongest life insurance groups in the world. Its seven life insurance subsidiaries (The Western and Southern Life Insurance Company, Western-Southern Life Assurance Company, Columbus Life Insurance Company, Gerber Life Insurance Company, Integrity Life Insurance Company, The Lafayette Life Insurance Company and National Integrity Life Insurance Company ) maintain very strong financial ratings. Other member companies include Eagle Realty Group, LLC; Fort Washington Investment Advisors, Inc.;* IFS Financial Services, Inc.; Touchstone Advisors, Inc.;* Touchstone Securities, Inc.;** W&S Brokerage Services, Inc.;*,** and W&S Financial Group Distributors, Inc. Western & Southern is the title sponsor of seven major community events each year, including the Western & Southern Open, a premier event in the US Open series contested each August by the world’s top male and female professional tennis players.

* A registered investment adviser.

** A registered broker and FINRA/SIPC member.

IncomeSense policy series ICC20 2006-4003-W WSA, ICC20 2006-4003-R WSA is issued by Western-Southern Life Assurance Company, Cincinnati, OH, member of Western & Southern Financial Group.

‍Media contact for efficiency

Heather Valley
[email protected]

THE SOURCE: Efficiency

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