Lifetify vs. Clark
Clark is a digital insurance broker. Lifetify is your private organizer for your whole life – insurance, contracts, finances, real estate and more in one place, stored locally and with no commission interest.
Why Lifetify?
More than just insurance – and always on your side.
Your whole life, not just insurance
Lifetify bundles every category – insurance, contracts, accounts, real estate, vehicles, contacts and more. Clark focuses on insurance.
Independent & commission-free
Lifetify is not a broker and sells nothing. No product recommendations, no commission – just your data, neatly organized.
Local & end-to-end encrypted
Your data stays on your device by default and works offline. The optional cloud backup is end-to-end encrypted (zero-knowledge) – only you can decrypt it.
Everything linked
Connect an insurance policy to the matching contract, property or account – and see what belongs together at a glance.
Digital estate included
With the optional emergency access, your heirs can reach all important records if something happens to you – including notary notification. An insurance broker doesn't offer that.
No ads, no tracking
Lifetify shows no ads and sells no data. Privacy is the default, not an option.
Install the app now
Start for free – set up in under a minute.
Lifetify and Clark at a glance
| Lifetify | Clark | |
|---|---|---|
| Focus | Whole life (all categories) | Insurance |
| Business model | App, independent – no brokerage | Insurance broker (brokerage) |
| Data storage | Local on device, offline | Cloud-based |
| End-to-end encryption | Yes (zero-knowledge) | — |
| Digital estate / emergency access | Yes | — |
| Per-entry reminders | Yes (freely datable) | — |
| Cross-category linking | Yes | Not the focus |
| Ads & tracking | No | — |
| Platforms | iOS & Android | iOS & Android |
Comparison based on publicly available information, as of 2026. Clark, Finanzguru and other named brands belong to their respective owners. Lifetify is not affiliated with these providers.
Organize your life – independently.
Download Lifetify for free and keep all your contracts and insurance under your own control.
Frequently asked questions about the comparison
Is Lifetify an alternative to Clark?+
Lifetify and Clark pursue different goals. Clark is an insurance broker that manages and brokers policies. Lifetify is a private organizer you use to manage insurance, contracts, finances, real estate and more yourself and locally – without brokerage.
Does Lifetify broker insurance?+
No. Lifetify is not a broker and earns no commission. You add your existing insurance yourself and keep the overview.
Where is my data stored?+
Locally on your device by default. Lifetify works offline; an optional cloud backup is end-to-end encrypted (zero-knowledge) – only you can decrypt it, the server only ever sees ciphertext.
What happens to my data in an emergency?+
Lifetify offers an optional digital estate: an emergency access lets your heirs reach your important records – including notary notification and PDF/ZIP export. An insurance broker doesn't offer that.
Do I need to connect a bank account for Lifetify?+
No. Unlike pure finance apps, Lifetify needs no bank connection. You decide which data you record.
Install the app now
Start for free – set up in under a minute.