Lyfery Lifestyle Score: Your Health Choices Matter More Than Your Age

23.09.25

When we start working together and before we sign a contract with you, we’ll ask a few questions about your lifestyle and health habits. You might be wondering—why does Lyfery want to know such personal things?

Here’s the honest answer:

Based on your responses, we create the Lyfery Lifestyle Score, which shows how your daily habits affect your health, quality of life, and insurance conditions.

This isn’t a test or a judgment—it’s an honest and helpful reflection of your current situation. We want to get to know you better so we can offer the best price that fairly reflects your health behavior. Plus, we’ll share science-backed tips for living a longer, more active life.

Based on your honest answers, we’ll generate your Lyfery Lifestyle Score and may offer up to 50% lower insurance premiums – no strings attached.

Which areas of health does Lyfery focus on?

Lyfery focuses on seven key health behavior areas that, according to scientific research, have the greatest impact on a long and healthy life—especially for people aged 35 to 70.

  • Smoking – Smoking is one of the most dangerous health behaviors of all. Its devastating impact on life expectancy comes mainly from significantly increasing the risk of cancer [4]. Fortunately, there are many helpful and free services available to help people quit [5].

  • Nutrition – For non-smokers, healthy eating should be the main focus. It offers the greatest benefit toward a longer and healthier life compared to any other factor. Healthy eating also improves many of the additional risk areas listed below (e.g., blood pressure and body weight), helping to prevent diabetes, heart attacks, and cancers [1-3,6].

  • Blood pressure – High blood pressure is a major risk factor for heart attacks and strokes, which are responsible for many premature deaths in Estonia [7]. Elevated blood pressure can often be prevented by avoiding excessive salt intake. If that’s not enough, medication can help reduce the risk of heart attacks.

  • Body weight – Overweight and obesity increase the risk of nearly all of the diseases mentioned above [1-3,8,9]. A healthy diet keeps weight under control. If you’re struggling, we recommend seeing a nutritionist.

  • Alcohol consumption – Excessive alcohol use increases the risk of liver disease and various cancers [10,11].

  • Physical activity – Regular exercise boosts your mood and improves quality of life [12,13]. We offer recommendations to help you move more.

  • Social health – Several studies have linked longer life expectancy to higher education levels, active participation in the labor market and wider community, and strong, supportive social relationships [14-17].

Taken together, these factors explain roughly half the reason why some people fall seriously ill or die before retirement—and others don’t [1-3,18,19].

Why These Questions?

A person’s life and health are incredibly fascinating and full of nuance—you could dive into endless detail. But we’ve made a science-based decision to focus on the factors that have the greatest proven impact on living a long and healthy life. We ask questions that meet three criteria:

  1. They have a serious and frequent impact on health.

    In other words, we look at both how often a problem occurs and how much it affects your health. The combination of these two tells us how important a factor really is when it comes to predicting health outcomes.

  2. They’re practical to measure.

    We’ve chosen factors that are easy to track, enter, and share—without being intrusive. For example, some blood tests (like cholesterol or glucose) might offer a bit of extra value, but since they require more resources, we only include them when absolutely necessary [19].

  3. They’re changeable.

    Most of the factors we focus on are things you can influence—like body weight, physical activity, etc. That’s why we never ask about family history or genetic risks. You can’t change your DNA, so why focus on it?

 

We also look at factors that can be improved with affordable, cost-effective interventions—like participating in screening programs.

We’re always keeping an eye on new research. If a new questionnaire, lab test, phone or smartwatch metric proves to add value for some of our clients, we’ll let you know.

Your honesty and health-consciousness will pay off.

To wrap up, we encourage you to answer everything truthfully. Our mission is to support your health and help you take smarter, healthier steps—one choice at a time. People tend to make better lifestyle decisions as they age [20], and we’re here to support you on that journey with knowledge, tips, and motivation.

Lyfery helps clients stay one step ahead of their peers—and become role models. If you’re fully honest with us, you not only protect your legal rights to insurance coverage, but also allow us to give you the most accurate and effective health recommendations possible.

Start Today

The Lyfery Lifestyle Score gives you honest feedback about your health behavior. We’re here to offer an objective mirror, guide you toward healthier choices, support you every step of the way, and reward your progress. Set your sights on a longer, healthier, more active life—with clarity and purpose.

References

[1] Collaborators GB, […], Tillmann T, et al. (2020). Global burden of 87 risk factors in 204 countries and territories, 1990–2019: a systematic analysis for the Global Burden of Disease Study 2019. The Lancet, 396(10258), 1223–1249.

[2] Danaei G, et al. (2009). The preventable causes of death in the United States. PLoS Medicine, 6(4), e1000058.

[3] O’Donnell MJ, et al. (2016). Global and regional effects of potentially modifiable risk factors. The Lancet, 388(10046), 761–775.

[4] Doll R, et al. (2004). Mortality in relation to smoking: 50 years’ observations on male British doctors. BMJ, 328(7455), 1519.

[5] Jha P, et al. (2013). 21st-century hazards of smoking and benefits of cessation in the United States. New England Journal of Medicine, 368(4), 341–350.

[6] Mozaffarian D. (2016). Dietary and policy priorities for cardiovascular disease, diabetes, and obesity. Circulation, 133(2), 187–225.

[7] Lewington S, et al. (2002). Age-specific relevance of blood pressure to vascular mortality. The Lancet, 360(9349), 1903–1913.

[8] Aune D, et al. (2016). BMI and all-cause mortality: systematic review and non-linear dose-response meta-analysis. BMJ, 353, i2156.

[9] Pi-Sunyer X. (2009). The medical risks of obesity. Postgraduate Medicine, 121(6), 21–33.

[10] Griswold MG, et al. (2018). Alcohol use and burden for 195 countries and territories, 1990–2016: a systematic analysis. The Lancet, 392(10152), 1015–1035.

[11] Wood AM, et al. (2018). Risk thresholds for alcohol consumption. The Lancet, 391(10129), 1513–1523.

[12] Warburton DER, & Bredin SSD. (2017). Health benefits of physical activity: a systematic review. Canadian Medical Association Journal, 174(6), 801–809.

[13] Ekelund U, et al. (2019). Dose-response associations between physical activity and sedentary time and mortality. BMJ, 366, l4570.

[14] Tillmann T, et al. (2017). Psychosocial and socioeconomic determinants of cardiovascular mortality in Eastern Europe: A multicentre prospective cohort study. PLoS Medicine, 14(12), e1002459.

[15] Marmot M. (2005). Social determinants of health inequalities. The Lancet, 365(9464):1099-104.

[16] Roelfs DJ, Shor E, Davidson KW, Schwartz JE. (2011). Losing life and livelihood: a systematic review and meta-analysis of unemployment and all-cause mortality. Social science & medicine; 72(6):840-54.

[17] Ullum H, Rostgaard K, Kamper‐Jørgensen M, Reilly M, Melbye M, Nyrén O, Norda R, Edgren G, Hjalgrim H. (2015). Blood donation and blood donor mortality after adjustment for a healthy donor effect. Transfusion. 55(10):2479-85.

[18] Li Y, et al. (2020). Healthy lifestyle and life expectancy free of major chronic diseases. BMJ, 368, l6669.

[19] Visseren FLJ, et al. (2021). 2021 ESC Guidelines on cardiovascular disease prevention in clinical practice. European Heart Journal, 42(34), 3227–3337.

[20] Mawditt C, Sacker A, Britton A, Kelly Y, Cable N. (2019). The stability of health-related behaviour clustering during mid-adulthood and the influence of social circumstances on health-related behaviour change. Preventive Medicine;121:141-8.

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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