AI Predicts the Future of Long-Term Care: Waterlily’s $7M Bet on AI-Powered Planning

A new frontier in artificial intelligence is unfolding—not in Silicon Valley’s tech labs, but in the world of long-term care planning. Waterlily, a San Francisco-based startup, is making waves with its AI-driven platform that forecasts future care needs and financial strategies, helping families avoid last-minute, high-cost decisions.

This innovation comes at a time when long-term care costs in the U.S. are skyrocketing, and traditional health insurance fails to cover many essential services. With aging populations growing worldwide, AI’s role in predicting, planning, and funding long-term care could reshape financial strategies for millions.

A New Approach to Long-Term Care Planning

Waterlily’s predictive AI technology pulls data from over 500 million sources to create highly personalized care and cost forecasts. Unlike traditional planning tools that rely on generic estimates, Waterlily analyzes individual health, financial, and demographic data to provide customized funding recommendations.

The platform’s AI models determine when, how, and how much a person might need for long-term care, considering various financial options such as:

• Life insurance with long-term care riders

• Dedicated long-term care insurance policies

• Annuities and self-funding strategies

By integrating machine learning and predictive modeling, Waterlily aims to reduce financial strain on families and help them prepare years in advance instead of waiting until care becomes an urgent necessity.

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Big Data Meets AI: The Power Behind Waterlily’s Predictions

The startup has secured data-sharing agreements with major institutions such as:

• Centers for Medicare & Medicaid Services

• Federal Long-Term Care Insurance Program

• Long-term care providers

• Insurance carriers (pending final contracts)

With access to these vast datasets, AI can now identify trends, assess risks, and optimize financial planning strategies like never before.

Waterlily’s ability to model care costs decades in advance makes it a standout in the insurance and financial planning sector, offering unparalleled insights into future expenses.

Investor Confidence: $7M in New Funding

Waterlily’s recent $7 million seed funding round was led by John Kim of Brewer Lane Ventures, with strategic investments from Genworth, Nationwide, and Edward Jones.

This follows a $2.2 million pre-seed round, bringing Waterlily’s total funding to over $9 million since its launch.

John Kim, a former president of New York Life, believes AI will become the dominant force in long-term care planning, calling Waterlily the “first AI-native guidance tool” addressing the growing demand for long-term care solutions.

With a revenue model based on subscription fees of $250 per advisor per month, the platform is already gaining traction among:

✅ Major insurance carriers (including Prudential and Fortune 100 firms)

✅ Hundreds of independent financial advisors

✅ Healthcare and financial planning institutions

Waterlily’s 22x revenue growth since its launch in March 2024 signals strong demand for AI-powered predictive financial planning tools.

Beyond Long-Term Care: The Future of Predictive AI in Finance

Looking ahead, Waterlily plans to expand into:

🔹 Disability planning
🔹 Critical illness and hospital indemnity insurance
🔹 Medicare planning
🔹 AI-driven underwriting for insurance carriers

International expansion is also on the horizon, with interest from Canada, the U.K., and parts of Asia.

With AI continuing to reshape healthcare, insurance, and financial planning, Waterlily’s data-driven approach to long-term care could become the industry standard for predictive financial planning.

The AI Disruption in Planning and Insurance

Waterlily’s rapid rise highlights a growing trend in AI-driven financial decision-making. As AI advances, predictive planning tools may soon become as essential as traditional insurance itself.

For families, financial advisors, and insurance carriers, AI-powered forecasting isn’t just an advantage—it’s becoming a necessity.

With billions flowing into AI infrastructure and machine learning models becoming more sophisticated, the next generation of financial planning will be data-driven, personalized, and powered by AI.

One thing is clear: The future of long-term care planning is being rewritten by artificial intelligence.

AI’s Role in the Future of Real Estate

AI is rapidly transforming industries, and real estate is no exception. Just as predictive AI is revolutionizing long-term care planning, it’s also reshaping how real estate professionals operate—giving agents who embrace it a massive competitive edge.

AI isn’t just a tool—it’s becoming the foundation of modern real estate success. Agents who understand and adopt AI now will lead the market while others struggle to keep up.

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