We are LifeScore Labs

A team of experts using data and advanced technology to improve how the life insurance industry and consumers look at risk.

Life insurance that is easy and transparent

We believe that risk scores should be fair, transparent and easily understood by consumers who rely on them to make informed insurance decisions.

With consumers bypassing life insurance altogether and an underinsured coverage gap approaching $3 trillion, we saw an opportunity to bring life insurance carriers and consumers closer together – through a more transparent understanding of the risk that drives both carrier and consumer decision-making.

At LifeScore Labs, we deliver a toolkit of data-driven risk-scoring models, that make underwriting more efficient while generating results that are easier to interpret for both insurers and consumers.

LifeScore Labs is a wholly-owned insurtech subsidiary of Massachusetts Mutual Life Insurance Company (MassMutual).

Meet our people

Sears Merritt
Founder, LifeScore Labs
Michael Gallary
Head of LifeScore Labs
Yangyi "Yi" He
Design Lead
Radha Jaldu
Radha Jaldu
Director of Business Systems
Kent Karnik (002)
Kent Karnick
Underwriting Innovation Lead
Ashwin Pillai
Full Stack Developer
Dean Regrut
Head of Product
Amy Stoll
Marketing Director
Ada Hui Xu
Head of Data Science