Your insurance, organized.

You can store any personal protection policy: life insurance (term, whole, universal, IUL, variable, group), health insurance (ACA marketplace plans), Medicare (Advantage, Supplement, Part D), disability insurance (short-term and long-term), annuities (fixed, variable, indexed), long-term care, critical illness, AD&D, and accident coverage. The only types we don't cover are auto and homeowner insurance.

The Vault is a secure digital platform where you store all your insurance policies, legal documents, and beneficiary information in one place. AI reads and reviews every policy in plain English. When the time comes, your beneficiaries have everything they need — no hunting through paperwork or guessing which carriers hold coverage.

When you upload a policy document, our AI reads the entire document and extracts key details — coverage amounts, deductibles, beneficiaries, riders, fees, expiration dates, and more. For health plans, it explains your deductible, copays, and out-of-pocket maximum. For annuities, it breaks down fees, surrender schedules, and guaranteed rates. Everything is presented in plain English so you actually understand what you own.

Over $13 billion in life insurance and annuity benefits have gone unclaimed. The most common reasons: beneficiaries don't know a policy exists, policy documents are lost, beneficiaries lack the information to file a claim, carriers change names, and 90% of Americans never update their policies after major life events like marriage or having children.

Yes. MedaSynq is HIPAA compliant and uses 256-bit encryption to protect your data. All information is stored on US-only servers with bank-level security. Access is controlled through verified accounts, and every document interaction is audit-logged.

Your designated beneficiaries receive secure access to your Vault. They can view all stored policies, carrier information, legal documents, and uploaded files — giving them everything they need to file claims and receive their benefits without delays. Premium subscribers also get automatic Settle activation at no cost to the family.

Basic is free — store unlimited policies of any type, get AI summaries, and invite up to 3 beneficiaries. Standard is $19/month and adds full AI breakdowns, annual reviews, prepared beneficiary change forms, and a reduced 7% Claim Assist fee. Premium is $39/month — we make your beneficiary, billing and carrier changes for you online, plus proactive alerts across all coverage and a 5% Claim Assist fee.

No. Our Claim Assist service is available to anyone — $0 upfront with a 10% fee only after a successful payout. However, Vault subscribers get reduced fees: 7% for Standard, 5% for Premium. On a $150,000 payout, Premium saves you $7,500 compared to the non-subscriber rate.