Gain Life

Gain Life builds software intended to help people and organizations return to health, work, and productivity. Its claims automation platform is used by self-insured organizations, insurance carriers, and third-party administrators to reduce claim costs and improve the claims experience across multiple lines of business including workers' compensation, general liability, commercial auto, and disability.

The company's platform is presented publicly as Crosstie, described as one workflow platform for the full property and casualty claims lifecycle. It comprises eight modular solutions: intelligent document processing that extracts details from documents and routes work; intelligent voice that automates claim calls and escalates complex cases; claimant experience messaging and self-service updates; insurance-native ETL for ingesting and standardizing claims data; claim intelligence that surfaces insights and anomalies for adjusters; a customer portal for exchanging documents and updates; multimodal intake automating first notice of loss across voice, text, web, and email; and loss control for managing inspections and field data.

Additional capabilities described include configurable rules for personalized customer communication, continuous monitoring that flags potential delays or issues, and AI-generated next-best-action suggestions for adjusters. The platform emphasizes role-based permissions and guardrails for sensitive data, multilingual communication, and configurability without IT involvement.

Founding story

Founder and CEO Sean Eldridge traced the company's origins to his early career at Johnson & Johnson, where he worked on co-founding a metabolic consulting business serving medical and surgical weight loss practices. Interviewing patients there led him to conclude that lasting change came from an identity shift rather than the procedure itself, which shaped his focus on behavior change. Gain Life was founded by three alumni of Procter & Gamble's Future Works division and repurposed behavioral science techniques used in consumer packaged goods marketing to help people change their lives; the company later pivoted from weight loss to disability and return-to-work.

Business model

Gain Life sells its Crosstie platform to insurance organizations as configurable, modular software. Buyers can begin with a single workflow module addressing their most pressing operational bottleneck and expand across additional modules covering the claims lifecycle over time. The platform is positioned as an overlay to existing claims, policy, and RMIS systems rather than a replacement, and as a consolidation of multiple point vendors onto a single platform.

Software sold to insurance carriers, third-party administrators, and self-insured organizations, with adoption structured around modular solutions that customers can add over time.

Traction

The company reports enterprise deployments among large carriers, TPAs, and self-insureds. Publicly stated customer outcomes include identifying claims headed for litigation three or more weeks early, hours saved per adjuster per week, higher claimant engagement than standard portals, and independently analyzed customer data showing 25% cost savings on medical-only claims and $18,997 in savings per complex lost-time claim. MassMutual Ventures lists the company in its portfolio.