SBLI, Afficiency Inc., and Quility Insurance announce a strategic collaboration and the release of a new simplified issue term life insurance product that allows consumers to easily purchase life insurance online.

Quility Level Term Insurance, issued by SBLI, includes a maximum coverage amount of $1 million with level premiums throughout the policy term. Included within the policy is a charity rider that allows the client to select a charity or non-profit of their choice as a partial beneficiary of their policy, in addition to three other valuable riders.

“This strategic partnership aligns with SBLI’s objective to expand upon our product and distribution areas,” said Denis Clifford, senior vice president, Distribution at SBLI. “The addition of these innovative digital products opens new growth markets for us. We are thrilled to launch them through distribution partners and to continue to support innovative consumer purchase experiences.”

”We are so happy about this valuable collaboration with SBLI,” said Mark Scafaro, CEO and co-founder of Afficiency. “Our partnership combines efficient product innovation with an accelerated digital scope to help our partners and distributors access life insurance products via API.”

With these new products, clients can apply online from the comfort of their home through a simple, digital process and receive their new policy in just minutes. The application is also available for Quility’s nationwide team of licensed life insurance agents to introduce to their clients.

“Leveraging Afficiency’s enhanced data and machine learning platform, we will enable Quility’s vast array of agents, clients and carriers with smarter and better choices. The impact will be revolutionary,” said Mark Palmer, Quility’s chief strategy officer.

For more information on SBLI’s simplified issue term solutions, please contact Denis Clifford at

For nearly 115 years, SBLI (The Savings Bank Mutual Life Insurance Company of Massachusetts) has specialized in providing hassle-free, affordable life insurance. Whether it be term life, whole life or a plan that combines the two, we offer dependable protection at a fair price.

Afficiency is an insurtech company making life insurance easier to understand and even easier to purchase. Afficiency has developed a digital life insurance platform that allows new products to be quickly stood-up and made available for digital distribution, completely via API. All of Afficiency’s life insurance products are designed to be digitally underwritten and issued to applicants within seconds. Afficiency has been partnering with carriers and re-insurers since late 2018 to bring products to market. The team has also been working with some traditional and new distribution channels to deliver these products.

Quility uses innovative and proprietary technology to modernize the process of qualifying for and purchasing life insurance. The Quility digital platform offers clients the option to apply for life insurance online through a ten-minute application with the support of a licensed insurance agent. To learn more, visit