Lyfery can offer pricing based on health behaviour — banks can’t.

Lifestyle-based pricing creates pressure for banks and can lead to conflicts with wealthier customers. The advantage of bank insurance is simplicity, which is why it’s more convenient for them to offer everyone the same age-based price.

We, on the other hand, can focus on life insurance built around lifestyle and prevention.

Bank’s focus is elsewhere.

A bank can’t charge a top-tier client with poorer health habits a higher premium — because they’ll take their loans and investments somewhere else.

We can afford to be fairer.

Our goal is to offer a solution where the price of life insurance is shaped mainly by your lifestyle and health choices — not just your age.

See what your Lyfery monthly premium would be compared with Swedbank and SEB.

See näitaja ei osale võrdluses

First-year monthly premium

0,00€
Total per month
  • Life insurance 0,00€
  • Severe Disability Insurance 0,00€
  • Critical illness cover amount 0,00€
  • Health Dividend (-30%) 0,00€

Comparison with other providers

Total insurance premiums over the full period (Lyfery vs Swedbank vs SEB).

Lyfery
0,00€
Swedbank
0,00€
SEB
0,00€
Saving vs Swedbank: 0,00€
Saving vs SEB: 0,00€
The sample calculation includes a –30% Health Dividend. Your actual discount is individual and may vary.

Payment schedule forecast

Health Dividend total 0,00€
Health Dividend saving
Age Life insurance Disability Critical illness Health Dividend (-30%) Total

How long does a Lyfery life insurance policy remain valid, and are there any costs for cancelling it?

You can switch your existing life insurance in 3 simple steps

Fill in and sign the application

(about 3 minutes)

We’ll send you the policy

To review and sign

End your current insurance policy

Enjoy peace of mind with Lyfery

380

Have already
chosen Lyfery

99.4 mln

Total insurance
cover amount

2.9 mln

Total savings
for customers

Would you like information on how to sign a contract or transfer to Lyfery? Or do you need anything else? Send us your contact details and we’ll get in touch.

The project “Technological development, testing, and demonstration of components of a healthy lifestyle scoring model” has received €34,580 in development grant support.

As part of the project, a model was developed to assess healthy lifestyle habits, enabling the cost-effective offering of life insurance that supports healthier living. The goal is to create a scalable, health-promoting product that can be expanded across Europe.

As a result of the project, the Lyfery app now measures lifestyle-related mortality risk on an individual customer basis.

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