Setting up iLife is designed to be an 'instant-on' experience. For individual agents, the implementation process involves a simple signup and a wizard-driven configuration that takes less than five minutes. Agents can select their branding, choose which carriers to display in their quoting engine, and customize their subdomain immediately. For larger agencies or carriers, implementation may involve more structured onboarding, including team seat assignments and integration with existing lead sources, which typically takes a few days. Because the platform is entirely cloud-native and no-code, there is no software to install or technical deployment required on the agent's side.
iLife offers extensive white-labeling and customization options to ensure the platform matches the agent's unique brand identity. Agents can upload their logos, choose custom color schemes, and personalize the copy on their digital storefront. The customer journey is also customizable; agents can decide exactly which data points to collect from prospects and what information is displayed during the side-by-side policy comparison. Furthermore, the 'Agency' tier allows for custom team workflows and permissions, while the enterprise API layer provides carriers the ability to build custom interfaces on top of iLife’s core connectivity infrastructure.
Beyond the monthly subscription fees for the Pro+ or Agency plans, the primary additional costs are associated with optional lead generation services. iLife offers 'Premium Live Transfer Leads' which agents can purchase to receive warm prospects directly on their phone; these are priced per lead. Additionally, while the Pro+ plan includes 1,000 SMS messages per month, agencies with very high marketing volumes may incur overage charges for additional text or email credits. There are no hidden setup fees, and maintenance and platform updates are included in the base subscription price.
Training at iLife is a continuous and multi-channel offering. New users have access to an extensive knowledge base filled with step-by-step guides and video tutorials. The company also hosts weekly 'Live Demo' sessions and deep-dive webinars that cover specific features like the Marketing Hub or Universal e-Apps. For enterprise clients and large agencies, iLife provides dedicated account management and personalized training sessions to ensure high adoption rates across the team. The 'iLife AI' interface also acts as a built-in assistant, helping users query their own data using natural language, which significantly lowers the learning curve.
Security is a core pillar of the iLife platform, given the sensitivity of life insurance and health data. The platform is SOC 2 compliant, ensuring high standards for data security, availability, and processing integrity. All data is encrypted both in transit (using SSL/TLS) and at rest. iLife utilizes cloud-native microservices architecture to provide high reliability and isolation of data. For carriers and enterprises, iLife also offers private instances to ensure that proprietary data is handled within a dedicated and secure environment, providing an additional layer of control and peace of mind.
iLife follows a continuous deployment model, meaning that product improvements and bug fixes are pushed to the platform regularly without causing downtime for users. Major feature releases, such as the recent launch of iLife AI or the Universal e-App workflow, occur quarterly. The company typically notifies users of major changes via in-platform notifications and monthly newsletters. Because it is a SaaS platform, all updates are automatic, ensuring that every agent is always working on the most secure and feature-complete version of the software.
iLife maintains a clear policy that agents and agencies own their client data. The platform acts as a processor, providing the tools to manage and store information, but the 'book of business' remains the property of the agent. This is a critical distinction for insurance professionals who need to ensure they can take their client lists with them if they decide to leave the platform. iLife provides easy-to-use export tools that allow agents to download their CRM data and prospect lists in standard formats like CSV at any time.
The platform is built to scale seamlessly from a solo practitioner to a national agency with hundreds of representatives. The 'Basic' and 'Pro+' tiers are optimized for individual efficiency, while the 'Agency' tier introduces centralized management features. As an agency grows, they can add additional seats and manage team-wide lead distribution and performance analytics through a single dashboard. On the backend, iLife's infrastructure is built on elastic cloud microservices, meaning it can handle massive spikes in quote requests or application submissions without any degradation in performance.
iLife typically operates on a month-to-month subscription basis for its Individual and Pro+ plans, offering flexibility for agents who do not want to be tied into long-term contracts. Subscriptions can be canceled at any time, with the service remaining active until the end of the current billing period. Enterprise contracts for carriers and large BGAs may involve annual terms with Service Level Agreements (SLAs) tailored to their specific operational requirements. The company prides itself on transparency, with no hidden cancellation fees or complex 'locked-in' terms for its standard SaaS tiers.
Compliance is handled with extreme care at iLife. The platform is fully HIPAA (Health Insurance Portability and Accountability Act) compliant, which is mandatory for handling Electronic Health Records (EHR) and sensitive health questions during the insurance application process. Furthermore, the quote engine and application workflows are built to adhere to the strict regulatory standards set by state insurance commissioners. By standardizing the information presented to consumers, iLife helps agents maintain a consistent and compliant sales process that minimizes the risk of misrepresentation or regulatory oversight.
