W&S Teams with Afficiency, Bubble to Bring Income Protection Insurance to California Mortgage Borrowers

Western & Southern Financial Group •

Western & Southern Financial Group has partnered with Afficiency and Bubble Insurance on a product integration that allows Bubble to embed IncomeSense during or after the home and mortgage purchase process.


IncomeSense is a declining term life insurance solution that, in the event of a death, can provide monthly income payouts to life insurance beneficiaries to cover monthly mortgage payments or replace a wage earner’s income. For homeowners with a mortgage, it can help cover mortgage payments to ensure the family always has a home.


IncomeSense is available in all states, except New York. It’s available via Bubble’s platform to California borrowers, with plans to expand to additional states in the near future.


“Western & Southern Financial Group is focused on offering innovative and tailored products that people need most as they navigate different phases in their lives,” said Ben Fotsch, vice president of Digital Customer Acquisition at Western & Southern Financial Group. “At a time when homebuyers are making a huge life decision, IncomeSense stands out as an easy choice for life insurance.”


Afficiency, which teamed with Western & Southern to co-develop IncomeSense, is an insurtech focused on transforming the end-to-end life insurance buying process. Bubble is an insurtech that connects homebuyers and homeowners with personalized insurance coverage for home, auto and life.


To find out more about how this partnership benefits borrowers, click here.



About Afficiency

Afficiency is an insurtech transforming the end-to-end life insurance buying process and accelerating the time it takes to get applicants approved and covered. With Afficiency’s digital life insurance platform, it’s never been easier to offer 100% digital in-session policy decisions. Afficiency enables distributors and other trusted brands to white-label and distribute Afficiency’s life insurance products in a customizable way. With our proprietary API, we can bring our suite of products into our partners’ native environments. And for those starting from scratch, we can offer an out-of-the-box customer journey. Afficiency works with its carrier and reinsurance partners to develop these products and has a growing product catalog spanning categories such as term, whole life, disability, and universal life. All of our products are digitally underwritten and issued to applicants within seconds. We have issued thousands of policies to date, closing the life insurance coverage gap, eliminating friction and protecting more lives. To learn more about Afficiency, visit www.afficiency.com.


About Bubble

Bubble’s mission is to help homeowners protect their homes, loved ones and everything under their roof with the right insurance coverages at the right time for the right price. By embedding online insurance into the path of a home or mortgage purchase, and within homeownership journeys, Bubble’s sophisticated AI algorithms combine data from the real estate transaction with its own extensive library to streamline the process of buying insurance, from accurate online quotes to personalized recommendations, simplified application and instant approval. See how Bubble integrates digital insurance into housing journeys, or get your own protective Bubble today at www.getmybubble.com – Smart insurance for total assurance.