# Reframe Financial

> Reframe Financial is a Los Angeles-based insurtech building digital-first insurance for the messy middle of life - the years when millennials and Gen Xers are raising kids and starting to care for aging parents. Its flagship product, Reframe LifeStage, bundles Indexed Universal Life insurance with cash value and long-term care benefits into a single policy that evolves across three life stages, sold through employers and associations with online underwriting that skips the lab tests and interviews.

- **Founded:** 2019
- **Headquarters:** Los Angeles, California, United States
- **Founders:** Karan Aneja (Co-Founder & CEO)
- **Team size:** 11-20 employees
- **Products:** Reframe LifeStage, Digital-first online enrollment, Caregiver services benefit
- **Notable:** Soft-launched Reframe LifeStage in April 2023, a first-of-its-kind hybrid IUL + LTC policy for the worksite and association market., Secured Interstate Insurance Compact approval, enabling availability across 34 initial states., Partnered with a 120+ year-old carrier (Federal Life) and global reinsurer Swiss Re as an early-stage startup.

## Products & services

- **Reframe LifeStage** — A first-of-its-kind hybrid policy for the worksite and association market combining Indexed Universal Life insurance with cash value and long-term care (LTC) benefits, designed to grow in value and adapt across three life stages: Family First, Empty Nesting, and Smart Senioring.
- **Digital-first online enrollment** — A fully digital, responsive buying experience with simplified, non-invasive underwriting - no lab tests or interviews for applicants under 66 - delivering a personalized decision online within minutes.
- **Caregiver services benefit** — Customized advice, resources, and support for policyholders who expect to become caregivers for aging parents or family members, aimed at reducing the emotional and logistical stress of caregiving.

## Achievements

- Soft-launched Reframe LifeStage in April 2023, a first-of-its-kind hybrid IUL + LTC policy for the worksite and association market.
- Secured Interstate Insurance Compact approval, enabling availability across 34 initial states.
- Partnered with a 120+ year-old carrier (Federal Life) and global reinsurer Swiss Re as an early-stage startup.
- Built a fully digital, non-invasive underwriting flow delivering decisions in minutes with no lab tests for applicants under 66.
- Structured LTC benefits as 7702B tax-qualified, positioning the product to fit state LTC mandates like the Washington Cares Act.

## Latest updates

- **2023-05** — Federal Life announced its partnership with Swiss Re and Reframe Financial to bring the digital-first LifeStage solution to market.
- **2023-04** — Reframe Financial soft-launched Reframe LifeStage, available through employer groups and associations in 34 states.
- **2021-03** — Reframe Financial raised its Seed round.

## Links

- Website: https://reframefinancial.com
- LinkedIn: https://www.linkedin.com/company/reframefinancial

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Profile page: https://yespress.io/reframe-financial
Published by YesPress — https://yespress.io
Last updated: 2026-07-03