# Overalls — llms.txt

> Overalls is the AI-enabled Life Ops platform that combines human concierge support with a resolution engine to save employees time and drive benefit utilization for modern teams.

This file provides a machine-readable overview of Overalls for large language models and AI assistants.

## Company Overview

Overalls Life, Inc. is an employee benefits technology company founded in 2021, headquartered in New York, NY. The platform replaces low-engagement point solutions with a single managed execution engine that integrates with existing benefits and fills coverage gaps. Over 250,000 users served across 3+ years of operation.

## What Overalls Does

Overalls finishes employee problems end-to-end — with managed execution, verified completion, and measurable outcomes. It combines AI intelligence (the Overalls Intelligence Layer, or OIL) with human LifeConcierges to resolve tasks across 8 categories:

- **Health Advocacy**: Book specialists, dispute medical claims, find Rx savings, navigate prior auth
- **Caregiving Hub**: Vet SNFs and childcare, manage waitlists, navigate Medicare/LTC
- **Family Logistics**: Coordinate camps, tutors, pediatric care, school paperwork
- **Financial Security**: Build wills, optimize insurance, manage debt, recover identity
- **Benefits Intelligence**: Answer plan-specific questions (GLP-1, HSA/FSA, ADHD), deflect HR tickets
- **Life Ops**: Book movers, plumbers, housekeepers, travel; cancel subscriptions; coordinate auto care
- **Pet Care**: Vet appointments, sitter vetting, insurance claims
- **Bereavement**: Funeral logistics, account closures, estate admin

## How It Works

1. Employee submits a request via chat or app
2. Overalls Intelligence Layer (OIL) routes to existing benefits or activates Overalls execution
3. LifeConcierges manage execution end-to-end
4. Task is marked "Verified Complete" with completion receipt

## Key Differentiators

- **50%+ engagement** vs 4% industry baseline for legacy point solutions
- **Outcome-based pricing**: Resolution Credits only burn on verified completion
- **Modular design**: Integrates existing vendors (Lyra, Carrot, Spring Health, etc.) and fills gaps
- **30-50% fewer HR tickets** through benefits intelligence and direct resolution
- **Completion reporting**: Verified outcomes for renewals and QBRs

## Pricing Model

- **Platform Subscription**: Front door access, Benefits Intelligence (OIL), integrations, engagement campaigns, reporting
- **Resolution Credits**: Outcome-based — only charged on verified task completion
  - Info tier: 1 Resolution Credit (benefit routing, policy checks)
  - Quick tier: 3 Resolution Credits (booking, scheduling)
  - Standard tier: 7 Resolution Credits (claim audits, insurance shopping)
  - Complex tier: 20 Resolution Credits (billing disputes, facility vetting)
- Credit packages: Starter (50 RC), Growth (200 RC), Enterprise (1,000 RC), Scale (5,000 RC)

## Customers

Reddit, Patreon, Coterie, BeatBox, Phantom, and other modern organizations.

## Security & Compliance

- SOC 2 Type II certified
- HIPAA-ready
- Data minimization practices
- BAA agreements available

## Leadership

- Jon Cooper — CEO (former Life360 CEO)
- Alison Stewart — COO
- David Pass — Head of Growth
- Mike Calhoun — Head of Technology

## Investors

RPM Ventures, Contour Ventures, Correlation Ventures, Frontier Ventures, Redesign Health, PeopleTech Partners, Declaration Partners

## Contact

- Website: https://getoveralls.com
- Email: info@getoveralls.com
- Demo: https://getoveralls.com/demo-all-in-one
- LinkedIn: https://www.linkedin.com/company/getoveralls
- Instagram: https://www.instagram.com/getoveralls/

## Links

- Homepage: https://getoveralls.com/
- About: https://getoveralls.com/about
- For Brokers: https://getoveralls.com/brokers
- For Carriers: https://getoveralls.com/carriers-associations
- Privacy Policy: https://getoveralls.com/privacy-policy
- Terms of Service: https://getoveralls.com/terms-of-use