You may be paying for the same coverage twice without knowing it
LifQ analyzes all your insurance policies together and finds overlapping coverage, unused benefits, and opportunities to save — without reducing your actual protection.
Insurance overlap is costing the average household hundreds per year
Most households have policies from multiple providers, purchased at different times, managed separately. Nobody is looking at the whole picture — until LifQ does.
Rental car coverage you're paying for twice
Your credit card, auto insurance, and possibly your employer benefits all include rental car coverage. Most people pay for all three.
Travel insurance you already have
Premium credit cards include trip cancellation, lost luggage, and emergency medical coverage. Many people buy separate travel insurance on top of this.
Missing bundling discounts
Bundling home and auto with the same insurer typically saves 10–20%. Many households split these without realizing the cost.
Coverage gaps hiding next to the overlaps
While you're paying twice for some things, there are often critical gaps elsewhere — umbrella liability, flood, or disability coverage that's missing entirely.
How LifQ finds what you're wasting and what you're missing
Upload all your insurance policies
Auto, home, life, health, credit cards with benefits, travel policies — everything in one place.
AI maps your coverage portfolio
LifQ reads and structures each policy, then compares them against each other to find overlaps, gaps, and optimization opportunities.
Get a personalized savings report
See exactly where you're doubling up, what you might safely eliminate, and what bundling opportunities could save you money.
What you get with LifQ
Complete overlap detection
LifQ identifies duplicate coverage across all your policies and benefit programs.
Concrete savings estimates
See estimated annual savings, not vague guidance — real numbers based on your policies.
No coverage gaps
Savings suggestions only appear where removing coverage won't leave you exposed.
Portfolio IQ Score
A single score that reflects how well-optimized your overall protection portfolio is.
See it in action
A household is paying $18/month for roadside assistance through their auto insurer, $15/month through a credit card benefit, and is enrolled in a AAA membership at $100/year — all covering the same scenario.
LifQ identifies the triple overlap and flags that the credit card roadside benefit is the strongest of the three. Eliminating the other two saves $316/year with zero loss of protection.
Frequently asked questions
How does LifQ know what my credit cards cover?
You upload your credit card benefits guides (usually a PDF sent by the card issuer). LifQ reads them and maps their benefits alongside your other policies.
Will LifQ recommend I cancel insurance policies?
LifQ shows you where coverage overlaps and estimates potential savings. It doesn't automatically cancel anything — all decisions are yours. LifQ gives you the information to make informed choices.
What is a Portfolio IQ Score?
Your Portfolio IQ Score reflects how well-optimized your household's entire protection portfolio is — factoring in gaps, overlaps, cost efficiency, and renewal risks. Higher is better.
Can LifQ help me shop for better rates?
LifQ focuses on analyzing what you have and finding optimization opportunities within your current coverage. For shopping new policies, it can highlight what coverage levels and terms to look for.
Related solutions
Find out how much you're overpaying
Join the LifQ beta and get a complete analysis of your insurance portfolio in minutes.
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