Black Bear Life

Black Bear Life is revolutionizing the way life insurance is bought, sold, underwritten and managed. We are the only life insurer built from the ground up focused around the customer immediately issuing 100% of our policies. We created the next generation life insurance company by bringing innovation and modern technology to an industry that has resisted change for decades. We realize that data is the new DNA driving this industry forward, so we leverage our exclusive rights to the largest mortality database in the US, to shift the underwriting paradigm toward avoiding risk rather than insuring against it. This not only allows us to greatly improve underwriting and more accurate pricing, but it’s the very thing that keeps us connected to our customers.

We’re partnering with some of the nation’s largest brokerages to distribute our products which doubles their current closing ratios and greatly reduces our customer acquisition costs. Black Bear Life has taken the industry's worst customer/agent experience and made buying life insurance smart, and easy for consumers and their financial professionals. Our agile tech creates tremendous savings in traditional overhead costs, resulting in an extremely profitable company and a lower price point for customers.


We have created a rewards program for policy holders where they can rewards towards lower premiums, and an additional 5% for staying connected with a fitness device to live healthier lifestyles. These rewards can be used toward future premiums, accrued in an emergency fund, or it can be donated to a designated charity.

We are community-focused and dedicated to giving back. That’s why a portion of all revenue is donated on behalf of our policyholders to create awareness and support first responder families in financial crisis due to loss of a loved one without proper life insurance protection.

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Brooklyn, NY 11205

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© 2018 by Black Bear Life Inc.                            Products Underwritten by Black Bear Life