Wyoming Insurance Department Warns Against Unlicensed  Health Coverage Marketed by LifeX Research Corporation 

CHEYENNE, Wyo. — The Wyoming Department of Insurance (DOI) is issuing a consumer  alert to warn residents against enrolling in health coverage marketed by LifeX Research  Corporation. 

LifeX Research Corporation is not licensed to sell insurance products in Wyoming. The DOI  has received complaints that consumers were told they could obtain health coverage  through LifeX by becoming LifeX “employees.” This misleading strategy is used to bypass  insurance regulations. LifeX plans have also been associated with Benefit Health Plan, Inc.,  Benefit Logistics Captive Insurance Company, and similar plans sold by Detego. 

Consumers are often falsely told that coverage will be backed by well-known national  insurers. Because these plans are not recognized as major medical insurance, hospitals,  clinics, and doctors are regularly rejecting the insurance cards. As a result, consumers are  left entirely responsible for large medical bills, with some cases reaching tens of  thousands of dollars. 

“These companies are not licensed to sell insurance in Wyoming. There is a real chance  the plans will not be accepted, and the consumer could be billed for these services,” said  Wyoming Insurance Commissioner Jeff Rude. 

Consumer Warnings & Protective Steps 

The Department advises consumers to question: 

• High-pressure sales tactics 

• Mandatory association or application fees 

• Withheld company or policy details 

• False claims that major national insurers back the policies 

When speaking with sales representatives, ask for their license number and get full details  on the exact coverage, who is selling the product, and the company underwriting the plan  before committing to purchase. All agent, agency, and company licensing information is  public and available by calling the DOI or searching online.

Open Enrollment Advisory 

During open enrollment, the Department encourages consumers to use Healthcare.gov to  shop the marketplace. Pay close attention to web addresses, as deceptive entities often  create websites using URLs very similar to the federal portal. 

What to Do 

If you have purchased a plan from LifeX, Detego, or a similar entity, or if you wish to verify  that an agent or company is licensed to operate in Wyoming please contact the DOI at 

• Phone: 307-777-7401 

• Website: https://doi.wyo.gov/home