Waterlily Introduces AI-Powered Quote-and-Apply for LTC Insurance

October 08, 2025
Waterlily has launched Quote-and-Apply, an AI-driven platform that simplifies long-term care insurance shopping by optimizing policy selection and streamlining applications.

Waterlily has launched Quote-and-Apply, an AI-powered platform designed to simplify the process of shopping for long-term care (LTC) insurance. Announced in a press release, this new offering uses AI to predict LTC needs and optimize policy selection by analyzing hundreds of thousands of insurance configurations in under a second.

The platform's AI capabilities extend to the application process, where it analyzes medical information against carrier guidelines, highlights potential underwriting challenges, and pre-fills over 70% of application fields. This reduces the time and effort required to complete applications, transforming a traditionally lengthy process into a streamlined experience.

Quote-and-Apply integrates directly with products from Nationwide, OneAmerica Financial, and CareScout, allowing for automatic policy quoting and optimization. The platform's prediction engine provides a personalized care blueprint, projecting care needs and costs, and enabling informed decision-making for families and advisors.

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