Turn caregiving into a competitive policy advantage
Support policyholders through real-life caregiving moments with structured digital guidance and expert human support, grow plan membership and improve outcomes.
Traditional Life, LTC and Supplemental Health Insurance products products lack meaningful, ongoing engagement.
The result?
Policies without active engagement face higher lapse risk
Families face hundreds of hours of logistics during illness or loss
Lack of proactive coordination increases hospitalization and institutionalization risk
Members disengage until a crisis hits
Caregiving isn't episodic.
Your support shouldn't be either.
Caregiving affects policyholders’ mental and physical health, finances and long-term loyalty yet most ancillary benefits engage only at claim. Homethrive delivers continuous, digital-first engagement that supports members before, during and after major life events strengthening retention and reducing avoidable cost drivers.
Why this matters to carriers:
53 million Americans are caregivers
1 in 5 adults is caring for another adult
Caregiver strain is linked to increased claims and policy lapse
Hospitalizations average $12–17K per stay
Supporting caregivers is directly tied to:
Policy persistency
Claim mitigation
Member satisfaction
Lifetime value
Differentiating in competitive group sales
Delivering tangible, living benefits beyond payout
A digital-first caregiving platform designed for carriers
Homethrive delivers scalable, high-utilization support across the full caregiving journey without the cost structure of human-centric models.
24/7 Digital Access
An AI-powered Assistant provides expert-informed answers in seconds, driving high engagement across large populations.
Access to 1:1 Support
When needs become complex, dedicated Care Guides step in with full context with no repetition, no friction.
Proactive Care Plans
Personalized roadmaps for aging, neurodivergence, disability, chronic conditions, and recovery.
Hospital & Home Coordination
Support to reduce avoidable admissions, prevent falls, and extend safe time at home.
Estate Planning
Enables policyholders to create and securely store wills, advance directives, and POAs adding everyday value beyond the policy.
Loss Support
Post-loss guidance for navigating care, benefits, and logistics creating opportunities to convert beneficiaries into policyholders.
Proven impact for carriers
17.2%
retention boost in MA plan cohort
62%
report avoiding a hospitalization
23%
reduction in falls
~69
additional days, on average, at home before institutional care
14%
average utilization across employer & insurer partners
99%
client retention
