ClearLife
ClearLife Limited is a UK-based software and consultancy firm serving professional investors in the life insurance and longevity markets. It offers the ClariNet platform suite (LS, LM, CS) for life settlements, lifetime mortgages, and structured settlements pricing and portfolio management.
- Company typePrivate
- Founded2007
- HeadquartersTaunton, United Kingdom
- Headcount11–50
- GTM typeB2B
- OfferingSoftware
What ClearLife does
ClearLife Limited is a UK-incorporated software and consultancy provider, founded in 2007 by Mark Venn and Chris Stuart following their tenure at the Asset Finance Group of Mizuho International. The company develops and markets the ClariNet platform suite — a modular, web-based business management system for the life insurance and longevity markets comprising ClariNet LS (US life settlements), ClariNet LM (UK lifetime mortgages, scheduled for 2026 launch), and ClariNet CS (structured settlements, delivered as an Excel add-in). ClariNet combines case management, probabilistic and deterministic pricing, Monte Carlo simulation supporting up to 100,000 simulations, portfolio valuation, liability management, document management, and a public API; the platform tracks over 800,000 policies with $2.09 trillion in face amount and operates as the only SOC2 certified platform in the life settlement industry.
The firm sells modular enterprise software subscriptions alongside bespoke consultancy services (single policy valuation, third-party portfolio valuation, business consultancy, risk and performance analysis, litigation consultancy, structuring, and bespoke software development) to professional investors and financial institutions — primarily life settlement funds, pension funds, asset managers, and structured-settlement brokers — via a direct, consultative, relationship-driven sales motion. ClearLife has operated as a fully remote organisation since 2012, with teams in the US and UK serving customers spanning Australia to the USA, alongside actuarial partners such as Lewis & Ellis who recommend the platform.
In June 2025, LHL Strategies, Inc. acquired ClearLife Limited and ClearLife LLC, forming ClearLife Servicing, LLC as a new operating entity to deliver SOC2 certified life policy portfolio servicing. ClearLife Servicing initiated primary and back-up servicing for Lighthouse Life Solutions, LLC in October 2025 and is positioning ClariNet LM for a 2026 launch, extending the platform into the UK lifetime mortgage / equity release market.
ClearLife firmographics
Firmographics- Name
- ClearLife
- Legal name
- ClearLife Limited
- Website
- https://clearlifeltd.com
- Company type
- Private
- Founded year
- 2007
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- ClearLife Limited is a UK-based software and consultancy firm serving professional investors in the life insurance and longevity markets. It offers the ClariNet platform suite (LS, LM, CS) for life settlements, lifetime mortgages, and structured settlements pricing and portfolio management.
- Ownership category
- akta.pro rank
Where ClearLife is headquartered
LocationHeadquarters
- HQ city
- Taunton
- HQ country
- United Kingdom
- HQ region
- Europe
Offices2 records
Markets served
ClearLife business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Personnel, Technology or R&D, Operations, Marketing or Sales, Infrastructure
Revenue model
- Software Subscriptions (ClariNet LS, LM, CS): ClearLife operates on a software-as-a-service subscription model for its ClariNet platform suite. Subscriptions are modular, with flexible module choices allowing customers to customize their subscription based on their team's needs (case setup, pricing, servicing, reporting modules). The platform is available via web-based access with flexible module choices.
- Consultancy Services: ClearLife offers bespoke consultancy services including single policy valuation, third-party portfolio valuation, business consultancy, risk/performance analysis, litigation consultancy, structuring, and bespoke software development. These are project-based or retainer engagements with professional investors and financial institutions.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Not publicly disclosed | Modular subscription with flexible module choices for ClariNet LS |
| Subscription | Not publicly disclosed | Interest registration for ClariNet LM (launching soon) |
| Freemium | Not publicly disclosed | Free demo available for ClariNet CS |
Go-to-market motion2 records
Distribution channels2 records
Marketing channels4 records
ClearLife product offering
Product offeringCore offering
ClearLife develops and sells the ClariNet platform suite — web-based business management software for life insurance and longevity markets — comprising ClariNet LS (US life settlements), ClariNet LM (lifetime mortgages), and ClariNet CS (contingent/structured settlements). The platforms combine case management, probabilistic and deterministic pricing, Monte Carlo simulation, portfolio valuation, liability management, and a public API. ClearLife also provides consultancy services including single policy valuation, portfolio valuation, risk and performance analysis, litigation support, structuring, and bespoke software development.
Product overview
ClearLife provides a unified software platform called ClariNet for the life insurance and longevity markets, comprising three distinct products: ClariNet LS (for US life settlements), ClariNet LM (for lifetime mortgages, launching soon), and ClariNet CS (for contingent/structured settlements). The core product ClariNet LS is a modular web-based business management platform offering case management, pricing and valuations, closing workflows, bespoke reporting, portfolio servicing, liability management, and API automation. ClariNet LM extends the platform to lifetime mortgage markets with valuation and scenario analysis tools. ClariNet CS provides Excel-based valuation modelling as a desktop alternative. The company also offers complementary consultancy services including single policy valuation, portfolio valuation, business consultancy, risk analysis, litigation support, and bespoke development.
Differentiator
Problem solved
Functional benefit
Brands
- ClariNet LS: Business management platform for the US life settlements market, combining tools for case management, pricing, valuations, servicing, portfolio management, and liability management.
- ClariNet LM
- ClariNet CS
Products and services
- ClariNet LS (Life Settlements) Web-based business management platform for the US life settlements market, combining case management, pricing and valuations, bidding management, closing process, portfolio servicing, liability management, bespoke reporting, and API automation. Sold as a modular subscription with flexible module choices for US life settlement funds, professional investors, and asset managers.
- ClariNet LM (Lifetime Mortgages) Web-based platform for UK lifetime mortgage originators, lenders, and investors providing portfolio valuation tools, scenario and simulation analysis, and asset-backed securities structuring. Supports multiple scenarios combining stresses to house price growth, interest rates, and repayment profiles.
- ClariNet CS (Contingent Settlements) Excel-based valuation modelling tool for pricing and risk management of life-contingent and standard structured settlements, also available as a Microsoft .NET Excel add-in. Supports SOA GAM, VBT, and CDC mortality tables, individual mortality characteristics, cashflow pricing, and fixed income style modelling. A free demo is available.
- Consultancy Services Advisory services for life insurance and longevity markets including single policy valuation, third-party portfolio valuation, business consultancy, risk and performance analysis, litigation consultancy, structuring, and bespoke software development for ClariNet subscribers. Often serves as entry point for enterprise platform subscriptions.
Quantifiable outcome
- Portfolio acquisition process streamlined and shortened for Magna Life Settlements
- +4 more outcomes
Companies that use ClearLife
Customer profileNamed customers5 records
Segments5 records
Ideal customer profiles5 records
ClearLife technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration3 records
Feature9 records
ClearLife partnerships and signals
Strategic signalPartnerships
One partnership is on record.
- Lighthouse Life Solutions, LLCcoreClearLife Servicing LLC has initiated life policy portfolio servicing for Lighthouse Life Solutions, LLC, providing primary and back-up servicing including valuation, premium optimization, insured tracking, and death benefit collection.
Scale indicators7 records
Recent moves5 records
Expansion highlights6 records
ClearLife competitors and assessment
Company assessmentDirect peers
- LifePolicyNow: Online platform serving life settlement investors with policy data, valuations, and marketplace functionality; overlaps with ClariNet LS's case management and pricing capabilities for US life settlement investors.
- Courtyard Group: Independent life settlement servicing and technology provider managing policy portfolios end-to-end; comparable to ClearLife Servicing LLC given overlapping servicing, valuation, and tracking capabilities.
- PolicyAppraiser (Cash Cow): Online life settlement valuation and secondary market platform providing policy pricing and bidding tools; comparable to ClariNet LS for individual and portfolio-level US life settlement valuation.
- BroadRiver: Technology and services provider focused on the life settlement industry; referenced as an integration partner in the data and competes in the same life settlement software and operations stack as ClearLife.
- Best Practice Solutions (BPS): Provides CRM, workflow, and case-management software to life settlement brokers and providers; competes head-to-head with ClearLife's ClariNet LS in the same niche buyer base of life settlement market participants.
Others
- Fasano Associates: Provider of proprietary mortality tables and longevity analytics used across the life settlement industry; licensed by ClariNet LS for Fasano mortality data, making it an ecosystem data vendor rather than direct software competitor.
Broad incumbents
- Willis Towers Watson (WTW): Global advisory firm with actuarial, longevity, and insurance risk practices serving pension funds and insurers; offers overlapping valuation, risk modelling, and longevity analytics services relevant to ClearLife's institutional buyer base.
- Deloitte: Big 4 consultancy with life settlement valuation, audit support, and structuring practices serving institutional investors; competes in the same consultancy and third-party valuation arena as ClearLife's advisory arm.
- Milliman: Global actuarial and consulting firm with a dedicated life settlement/longevity practice providing valuations and risk analytics; broad incumbent whose bespoke advisory and tools overlap with ClearLife's valuation and risk services.
- Wolters Kluwer: Provider of regulatory, compliance, and risk software for the insurance and financial services industry; broader incumbent whose compliance and analytics tooling intersects with ClearLife's insurance-market stack.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks5 records
Key highlights7 records
Customer concentration
ClearLife social profiles
Digital presenceClearLife financial estimates
Financial estimateRevenue estimate
Valuation estimate
ClearLife leadership team
Management profileNumber of profiles
Profiles2 records
ClearLife funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
ClearLife M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about ClearLife
What does ClearLife do?
ClearLife develops and sells the ClariNet platform suite — web-based business management software for life insurance and longevity markets — comprising ClariNet LS (US life settlements), ClariNet LM (lifetime mortgages), and ClariNet CS (contingent/structured settlements). The platforms combine case management, probabilistic and deterministic pricing, Monte Carlo simulation, portfolio valuation, liability management, and a public API. ClearLife also provides consultancy services including single policy valuation, portfolio valuation, risk and performance analysis, litigation support, structuring, and bespoke software development.
Is ClearLife a public or private company?
ClearLife is a private company. It is classified as corporate owned and is currently operating.
When was ClearLife founded?
ClearLife was founded in 2007. It employs 11 to 50 people.
Where is ClearLife based?
ClearLife is headquartered in Taunton, United Kingdom, in the Europe region.
How does ClearLife make money?
Two revenue lines are on record. Software Subscriptions (ClariNet LS, LM, CS) is the primary driver. The others are consultancy Services.
Who are ClearLife's main competitors?
Direct peers on record are LifePolicyNow, Courtyard Group, PolicyAppraiser (Cash Cow), BroadRiver and Best Practice Solutions (BPS). Fasano Associates is listed as an others. Broad incumbents are Willis Towers Watson (WTW), Deloitte, Milliman and Wolters Kluwer.
Does ClearLife have an API?
Yes. ClariNet LS offers a Public API enabling programmatic access to case management, valuations, pricing tools, and custom reporting. Developers can add and edit cases, create custom reports in Excel, automate PDF documents for policies, access valuation and pricing tools externally, and perform pricing as a service with Monte Carlo simulations. API keys are used for authentication with endpoint setup documentation available. Developer documentation is at www.clearlifeltd.com/clarinetls.