On February 23, 2026, the Tennessee Department of Commerce & Insurance (TDCI) and the Tennessee Attorney General’s Office warned consumers that LifeX Research Corporation is not licensed to sell insurance products in Tennessee.
TDCI’s Consumer Insurance Services has received reports that consumers were told they could obtain health coverage through LifeX by becoming LifeX employees. TDCI states LifeX is not licensed to sell major medical health insurance in Tennessee, and that claims the coverage would be issued by a well-known insurer are inaccurate. This article restates the public alert. Informational only — no coverage, price, or eligibility promise.
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By All Seasons Insurance Group
What did TDCI and the Attorney General warn about LifeX Research Corporation?
| Item | Detail |
|---|---|
| Date | Monday, February 23, 2026 |
| Agencies | TDCI and Tennessee Attorney General’s Office |
| Core warning | LifeX Research Corporation is not licensed to sell insurance products in Tennessee |
| Reported pitch | Health coverage through LifeX by becoming LifeX employees |
| Related names cited | Benefit Health Plan, Inc. (BHPI); Benefit Logistics Captive Insurance Company (not licensed in Tennessee) |
| Consumer help | (615) 741-2218 or 1-800-342-4029 |
What reports did TDCI Consumer Insurance Services receive?
TDCI’s Consumer Insurance Services received reports that consumers were told they could obtain health coverage through LifeX by becoming LifeX employees. TDCI states LifeX is not licensed to sell major medical health insurance in Tennessee.
Did TDCI say a well-known insurer issues LifeX coverage in Tennessee?
No. TDCI says consumers have also been told the coverage would be issued by a well-known insurer, which is inaccurate. No licensed health insurers offering major medical coverage in the State of Tennessee provide coverage to Tennessee consumers through LifeX.
Which related entities did TDCI name as unlicensed in Tennessee?
TDCI says in other states LifeX plans have also been associated with Benefit Health Plan, Inc. (BHPI) and Benefit Logistics Captive Insurance Company, and that these entities are not licensed to conduct insurance business in Tennessee.
What did Commissioner Carter Lawrence say about unlicensed plans?
Commissioner Carter Lawrence said purchasing a health plan from a company that is not licensed to sell insurance in Tennessee could have disastrous financial consequences for unsuspecting consumers, and that providers may not recognize an unlicensed plan, leaving the consumer responsible for the full cost of care.
How can Tennesseans verify a company or agent is licensed?
Use TDCI’s license verification tools and contact Consumer Insurance Services before sharing personal or financial information with unknown callers. Confirm producers represent companies authorized by TDCI.
Where can someone file an insurance-related complaint about an unlicensed seller?
Contact TDCI at (615) 741-2218 or 1-800-342-4029, or visit tn.gov/insurance / File a Complaint. Informational only.
Does this article sell or rate a health plan?
No. It restates TDCI’s February 23, 2026 consumer alert about LifeX. Informational only — no coverage, price, or eligibility promise.
Seasons change. So should your coverage.
