It's a pyramid graphic with images of three different families

Life Insurance Innovators

Creating product solutions that modernize life insurance for the benefit of consumers, agents, and carriers.

INNOVATION

Term Life Insurance As You Know It Is Changing Forever

Enabling consumers and agents to create a personalized term policy with level premiums that eliminate gaps and excess coverage

Our life insurance needs will change over time. The optimal coverage plan is one that is pre-set to match the projected change in need. Our innovation enables consumers to design a term insurance benefit plan that reflects their life insurance protection needs and wants until retirement and beyond.

ABOUT

Our Mission & Vision

At kmōdo, our mission is to revolutionize the life insurance industry by developing innovative product solutions that create win-win-win for consumers, advisors and insurance companies.

Our vision is to significantly increase life insurance protection for the millions of families that have little or no protection through leading edge product innovation.

APPROACH

Our goal is to protect what you care about most

At kmōdo, we lead life insurance innovation with patented technologies that deliver unique, flexible solutions tailored to individual needs. Our modern user interface empowers consumers to create optimal solutions for their ever-changing insurance needs.

Experience the Technology

The Team

Experienced and Innovative

Brian Clark, CEO & Founder

Brian Clark is a visionary and innovator in the life insurance industry with over 20 years of corporate experience and 15 years as an independent entrepreneur. He has a diverse background, holding roles such as Chief Product Officer, Chief Strategy Officer, and Chief Financial Officer. Brian's entrepreneurial journey includes product development consulting, serving as a life and annuity agent, and working as an investment advisor. Brian is a proven innovator with five patents to his name, showcasing his expertise and dedication to advancing the field.

Brian has been the Founder and CEO of kmōdo since 2021, a life insurance innovation company focused on developing and delivering cutting-edge, patented life insurance solutions. His extensive experience and commitment to innovation continue to drive kmōdo's mission to revolutionize the life insurance industry. kmōdo owns three of Brian’s patents, all issued in 2024.