Rewarding healthy lifestyle choices

Healthy lifestyle. Fair pricing. A better society.

Get your personal price here

What do we do differently?

health behaviour

Pricing dependent on your health behaviour

We measure your health behaviour and take this into account in pricing, ensuring you get the most personal and best benefits possible on the market.

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health dividends

You are paid health dividends

If you work on your healthy lifestyle regularly we will pay you health dividends.

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A community

A community that truly cares

We bring together people who truly care about themselves, their families and loved ones, as well as the community as a whole. We help to inspire and enhance the quality of life not only for ourselves but for everyone around us.

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How many hours do you practise sport in a week?

hours
1 or less
5 or more
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How many steps do you take per day?

sammu
5000 or less
10000 or more
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Do you use any kind of tobacco or nicotine products daily?

Yes
No
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How many units of alcohol do you drink during the week?

0
10 or more
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I will choose following included annual wellness package

Health coaching package
€ per month
Personalized health audit
€ per month
Now you move to the insurance calculation
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Your age

years
18
63

Recommended life insurance coverage

25000
300000

Recommended additional severe disability coverage

25000
300000
Calculate precisely
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Additional information for my personal needs

Your net income

500
10000+

Outstanding loans

0
200000+

Current savings

0
100000+

Dependants

0
3+
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See how your health behaviour influences your life insurance pricing

Health dividends

Our partners and friends

Compensa logo Heba logo MinuDoc logo Devdelux logo Finance Estonia logo Connected Health logo Health founders logo Tallinn University logo

Testimonials

Külliki Tafel-Viia Tallinn University
Külliki Tafel-Viia, PhD

Tallinn University

"Health is something that cannot be overestimated. Any solution in this area that helps people to be more proactive, and is more efficient and convenient from the user's point of view, is very welcome. Lyfery's desire to develop a science-based product by working together with universities will create confidence for its users and is also a sign that it is a modern, innovative company."

Risto Rossar, Lead Investor
Risto Rossar

Lead Investor

"I’ve primarily focused on non-life insurance, where innovation is rare, but in the life insurance sector, it’s practically nonexistent, dominated by a handful of banks. However, the Lyfery team possesses the essential qualities needed to disrupt this space and introduce innovative products to customers."

Priit Põldoja Inbank
Priit Põldoja

Inbank

Thus far, no one has made a real breakthrough in life insurance

"The Lyfery team's passion for new business models and deep expertise in the industry will finally make it happen."

Veiko Hintsov Deloitte
Veiko Hintsov

Põhjala factory

"Lyfery will bring true innovation to life insurance, redirecting the profits coming from unrealized risks back to customers who genuinely contribute to minimizing risks through their health behaviour."

Ain Aaviksoo HeBa
Ain Aaviksoo, MD MPH

Health innovator

"Lyfery’s concept of measuring the impact of the health behaviour on one’s risks and giving the rewards of good health behaviour back to the customer has huge potential in both the healthcare and insurance industries."

Merko Kimso Compensa Life Vienna Insurance Group SE
Merko Kimsto

Compensa Life

Health services are an evolving trend

"Lyfery’s concept is modern and helps to reduce important risks."

Tarmo Pihl Minudoc.ee
Tarmo Pihl

Minudoc.ee

"Lyfery’s mission to combine life insurance with a healthy lifestyle is a modern and fresh approach to a traditional and sometimes boring product."

Bernd M. Müller SCOR
Bernd M. Müller

PIB Europe

Health is the new wealth

"While realizing this, it is important to develop new concepts of life insurance. Concepts that actively support staying healthy are exactly what the industry needs."