Modern life insurance technology — embedded in your platform, or in the hands of your agents.
Every life insurance product. Every age 18 to 85. One platform, two
ways to deliver it.
Trusted carriers powering both platforms
One platform. Two ways to deliver it.
Same instant underwriting. Same recommendation engine. Same trusted carriers. Two purpose-built experiences for two very different ways of bringing it to market.
Embed life insurance into your member experience
White-labeled, self-serve, employee-paid. A new benefit your members can buy in under 10 minutes — without RFPs, payroll deductions, or admin overhead.
See the embedded platform →Keep your agents productive 365 days a year
Already running a Medicare or ACA call center? Add life insurance as a new revenue line — with a quoter built for phone-based agents and products for every caller.
See the agent quoter →Life insurance the way it should be: Easy.
Pendella is the white-labeled embedded insurance platform for PEOs, brokers, and benefits platforms. Individual life and disability — fully online, in under 10 minutes. No RFPs, no payroll deductions, no administration.
PEOs
White-labeled, complementary benefit
Enrollment Firms
Effortless for brokers and clients
Employers
No admin costs, real protection
Brokers
New revenue, no upkeep
Keep your agents productive 365 days a year.
Already running a Medicare or ACA call center? Add life insurance to your existing book — with a quoter built for phone agents, a product for every caller, and commissions that flow straight to your agency.
New revenue, no new agents
Your existing team stays on the phone — they just sell more. Life insurance becomes a natural cross-sell on every call, in every state, every season.
Diversify beyond seasonal lines
Medicare and ACA are seasonal. Life insurance isn't. Stop watching your agents go idle in January and June — give them something to sell year-round.
You earn the commission. We handle the carriers.
No SaaS fees, no per-seat charges. Your agency keeps the commission on every placed policy — we handle carrier appointments, contracting, and back-office work.
A product for every caller.
Whether the lead is a 25-year-old gig worker, a 45-year-old parent, a 65-year-old Medicare prospect, or an 80-year-old looking to cover funeral costs, your agent has something to sell. No more sending leads away.
Medicare AEP (Oct-Dec)
ACA OEP (Nov-Jan)
Life insurance, year-round
Your agents earn for three months. Or twelve. The choice is the product mix.
Built for phone agents. Wired into your stack.
Multi-carrier quotes in seconds. The right product surfaces automatically. Salesforce sync, lead manager, and call dispositions all in one screen.
- ✓ Quick form gets instant multi-carrier quotes
- ✓ Top-recommended product surfaces automatically
- ✓ Salesforce CRM integration
- ✓ Lead creation, management, and dispositions
- ✓ Send quotes directly to clients
- ✓ Start applications with one click
- ✓ Call disposition and follow-up tracking
America's most trusted carriers.
Top-rated, nationally recognized providers — powering both the embedded experience and the agent quoter. Coverage from $5,000 final expense to $10 million term.
Carrier availability may vary by state.
From first question to active policy.
Same recommendation engine. Same instant decisions. Whether the consumer is self-serving or working with an agent — the underlying flow is the same.
Tell us about yourself
A few simple questions about health, lifestyle, and coverage goals. Takes minutes.
Get a recommendation
Our engine instantly matches the right carrier and product for the consumer's profile.
Choose a policy
Real-time multi-carrier quotes side by side. Filter by price or speed.
Apply online
100% digital application. Most decisions return same-day with instant underwriting.
Two doors. One platform.
Tell us how you'd put life insurance in front of your audience, and we'll show you the right way in.
Embed life insurance in your member experience
For PEOs, brokers, enrollment firms, and benefits platforms. We'll walk you through white-label setup, integration, and how to get to first revenue in under 30 days.
Add life insurance to your call center
For Medicare and ACA agencies looking to diversify revenue. We'll show you the Agent Quoter, walk through Salesforce setup, and get your team selling year-round.