For benefits platforms, PEOs & brokers
Your members need coverage. First, they need an advisor.
Pendella embeds a co-branded AI life insurance advisor inside your member experience. Penny explains, recommends one best-fit policy, and gets a same-day decision — in under 10 minutes.
Why members go unprotected, what an AI advisor changes, and how your platform goes live in a week.
The gap inside every workforce
Group life feels like enough. For most families, it isn’t.
Americans acknowledge they have a life insurance coverage gap. Only half of U.S. adults own a policy at all.
— not lack of interest — is what keeps people uncovered. Life insurance is one of the least understood financial products.
Group coverage that follows them when they change jobs. Individual policies stay with the family.
Source: LIMRA and Life Happens, 2026 Insurance Barometer Study; LIMRA.
Meet Penny · Your members’ AI advisor Live now
A personal advisor for every employee. At 2 a.m. In ten minutes.
Until now, real advice was reserved for people with an advisor on speed dial. Penny gives every member of your platform the same thing — a patient, plain-language guide that knows the products, knows underwriting, and never pushes.
- Understands their life. Age, dependents, debts, and the group coverage they already have.
- Recommends one answer. Not a menu of forty quotes. One best-fit policy, explained.
- Underwrites in the field. Places members with the product they’re most likely to be approved for — most with no medical exam.
This is the actual advisor your members will use — try it. Open in a new tab ↗
Why Penny changes the math for your members
Advice, not access, is the barrier
People don’t skip coverage because it’s unavailable. They skip it because no one helped them decide.
Too much choice means no choice
A wall of quotes stalls decisions. One clear, personal recommendation gets families covered.
Instant is the new expected
Members expect answers in minutes, not weeks. Same-day underwriting is table stakes — and we deliver it.
Co-branded with your platform
Your brand and ours, side by side. Members stay inside the experience they already trust — and you keep the relationship.
Groundbreaking products
Beyond traditional term: policies that pay out monthly, grow coverage without re-underwriting, and close the gap group life leaves behind.
Zero administration
Employee-paid and fully online. No RFPs, no payroll deductions, no enrollment overhead.
Marketing made (super) easy
We build tailor-made campaigns that introduce Penny and activate your audience.
The worker experience: from quote to apply in minutes
The coverage-gap card shows exactly how far group life falls short, and what it costs to close it.
Four quick questions and an instant, personal rate — no commitment required.
Once signed, Individual Life appears alongside every other benefit in the review screen.
Live in less than a week.
See Penny running inside a co-branded member experience.
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