# Waterlily

> Waterlily is a San Francisco-based startup that uses AI and more than 500 million data points to predict when and how a person will need long-term care, what it will cost, and how to pay for it. Built primarily for financial advisors and insurance carriers, its software turns one of retirement planning's most avoided questions into a concrete, personalized plan - from care projections to matching families with optimal long-term care insurance policies in under a second.

- **Founded:** 2021
- **Headquarters:** San Francisco, United States
- **Founders:** Lily Vittayarukskul (Co-Founder & CEO), Evan Ehrenberg (Co-Founder & COO)
- **Team size:** ~20 employees
- **Products:** Care & Cost Prediction, Financial & Care Planning, Quote-and-Apply, Advisor & Carrier Platform
- **Notable:** Raised $7M seed round (Jan 2025) led by Brewer Lane Ventures with strategic capital from Genworth, Nationwide, and Edward Jones Ventures., Founder Lily Vittayarukskul named to Forbes 30 Under 30 2026 (Social Impact)., Built AI models on 500+ million data points to predict long-term care needs and costs.

## Products & services

- **Care & Cost Prediction** — AI models that use 500+ million data points to forecast the likelihood of needing long-term care, the age it begins, how needs progress, and the hours or months of care required by provider type.
- **Financial & Care Planning** — Personalized care plans that integrate a family's financial data, insurance coverage, and healthcare trends to show what to do today to fund care tomorrow.
- **Quote-and-Apply** — AI-powered LTC insurance shopping that evaluates hundreds of thousands of policy configurations in under a second, flags underwriting risks, auto-fills 70%+ of the application, and simulates ROI. Launched October 2025.
- **Advisor & Carrier Platform** — B2B software sold to financial advisors, insurance carriers, and agents to run coverage-gap analysis and close LTC-related business.

## Achievements

- Raised $7M seed round (Jan 2025) led by Brewer Lane Ventures with strategic capital from Genworth, Nationwide, and Edward Jones Ventures.
- Founder Lily Vittayarukskul named to Forbes 30 Under 30 2026 (Social Impact).
- Built AI models on 500+ million data points to predict long-term care needs and costs.
- Launched Quote-and-Apply (Oct 2025), analyzing hundreds of thousands of LTC policy configurations in under a second.
- Signed carrier and BGA customers including Prudential and Financial Independence Group within a year of launch.
- Featured by TechCrunch, CBS News, World Economic Forum, and Inc.

## Latest updates

- **2026-02** — Founder Lily Vittayarukskul featured across CBS and other outlets after being named to Forbes 30 Under 30 2026.
- **2025-10** — Launched Quote-and-Apply, an AI tool that analyzes hundreds of thousands of LTC insurance policies in under a second.
- **2025-01** — Closed $7M seed round led by Brewer Lane Ventures with Genworth, Nationwide, and Edward Jones Ventures.
- **2024-03** — Publicly launched the platform for advisors and carriers.

## Links

- Website: https://waterlily.com
- LinkedIn: http://www.linkedin.com/company/waterlily-care-planning
- Twitter/X: https://twitter.com/joinwaterlily
- Facebook: https://www.facebook.com/people/Waterlily/100082997283058/

---

Profile page: https://yespress.io/waterlily
Published by YesPress — https://yespress.io
Last updated: 2026-07-02