Frequently asked questions

LifQ is an AI-powered platform that helps families organize, understand, and manage all their financial protections in one place — including insurance policies, employer benefits, credit card benefits, warranties, and memberships. Think of it as the operating system for your household's protection portfolio.

Digital vaults store documents passively. LifQ actively analyzes them. After you upload a policy, LifQ reads it, interprets it in plain language, compares it against your other coverage, and identifies gaps, overlaps, and savings opportunities. Intelligence — not just storage — is the core value.

LifQ is built for financially responsible households — typically families aged 32–52 with $85K–$250K income who have multiple insurance policies, employer benefits, and warranties, and want to stop overpaying and start actually understanding their coverage.

No. LifQ doesn't sell or broker insurance. We're a neutral intelligence platform that helps you understand and optimize what you already have. We're on your side, not the insurer's.

You can upload documents by photo (using your phone camera), PDF upload, or email forwarding. LifQ accepts any format — scanned PDFs, email attachments from insurers, benefit guides from HR, warranty cards, and more.

LifQ works with health, auto, home, life, and dental insurance policies; employer benefits guides; credit card benefits documents; product warranties; service contracts; HSA/FSA statements; and membership or subscription documents.

LifQ uses AI to read and interpret your documents — extracting key coverage details, deductibles, benefit limits, expiration dates, and exclusions. It then analyzes your entire portfolio together to find gaps, overlaps, and optimization opportunities that no single policy view can reveal.

No. LifQ's AI extracts the key data from your documents automatically. You upload the document and LifQ handles the interpretation.

Yes. LifQ uses bank-level encryption for all stored documents and data. We follow security practices comparable to major financial institutions.

Never. Your documents and financial information remain private. We do not sell, share, or monetize your data with insurers, advertisers, or third parties.

Only you — and family members you explicitly invite. You control access entirely. You can grant and revoke access to specific family members at any time.

No. LifQ has no relationship with insurance carriers and does not share data with them. Your account is completely private.

LifQ is currently in private beta with limited capacity. Beta applicants fill out a short form and are reviewed by our team. Acceptance is not guaranteed — we're selecting families who can best help shape the product.

Yes. Beta access is free for accepted applicants during the beta period.

After the beta period, LifQ will offer subscription plans starting at $7.50/month (Solo, $90/year billed annually) and $12.50/month (Family, $150/year billed annually) — built to find you at least 3.5× what LifQ costs. Beta users receive advance notice and lock in launch pricing for their first year.

A Run is one document fully analyzed — captured, read, checked for savings, and added to your household picture. Asking the AI agent questions never consumes a Run. Solo includes 60 Runs a year, Family includes 240 Runs a year pooled across the household, and you can add a Run Pack (25 extra Runs for $5, one-time) to any plan, including Free.

Nothing is deleted. The Free plan starts with a 7-day full Solo trial, then moves to lite mode: your vault stays readable and your savings total stays visible, while detailed recommendations and the AI agent are locked until you upgrade.

Click the 'Join the beta' button on any page and fill out the short application form. It takes about 2 minutes. We review applications to ensure quality and will contact you when a spot is available.