INNOVATIONS
Our Innovations: Helping consumers tailor life insurance to life's stages.
Current
Launch
Focus
Custom Benefit Technology
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.
On
Deck
Individual Life Account (ILA)
Manage personal cash value life insurance accounts with integrated term policies and deferred annuities. kmōdo patented the technology systems and methods to integrate a consumer’s portfolio of term life insurance and annuity products for managing tax compliance. A simple update to state insurance law will unleash the power of this innovation and modernize permanent life insurance.
In the
Dugout
Dynamic Life Insurance
Automatically adjusting benefits based on changing needs, such as 'Tax Eraser' for 401K and IRA accounts. kmōdo patented the technology systems and methods that help consumers simulate the dynamic coverage and observe the projected annual cost and any future coverage limitations during the application process.
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
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.
Contact Brian directly: brian.clark@kmodo.ai
The Management Team
Dodd Starbird
kmōdo's Chief Strategy Officer,
Managing Partner at Implementation Partners
Kimberly Johnson
kmōdo's Chief Marketing Officer,
Chief Executive Officer at K. Johnson Studio
Alistair Firmin
kmōdo's Chief Operations Officer,
Chief Executive Officer at Bluestone Process Dynamics
Bill Adamowski
Special Advisor to kmōdo,
Executive Director of Innovation at Drake University