Lyfery

Your age

39 years

Life insurance

150 000 €

Lyfery per month

26 €

Lyfery per month compared to others

SEB

Swedbank

Lyfery

See how much you save

Compare with banks

What do we do differently?

What our customers say?

Rait

"My insurance payment dropped significantly."

"Unlike other insurers, who focused primarily on my age, Lyfery assessed my health status. As a result, my monthly life insurance payment dropped significantly 😊."

Helery

"Joining Lyfery was simple and clear."

"Joining Lyfery's life insurance was simple and straightforward, which is crucial for such a product – it gave me confidence that everything was well taken care of."

Kristjan

"Lyfery rewards healthy choices."

"Lyfery proves that my healthy lifestyle, combined with their science-based processes, helps me save significantly on life insurance payments."

Andres

"Double the coverage at the same price."

"I switched my life insurance to Lyfery because I got double the coverage for the same price and peace of mind. I appreciate Lyfery's transparency in showing exactly where my insurance payment goes and the convenience of signing the contract on my phone."

Ivar

"Lyfery's science-based model links insurance to health."

"Life insurance used to be a product where customers got little in return for their payments – but Lyfery changed that! Their science-based scoring model links my payment to my health behavior, making it fairer and more affordable. Such innovation could even serve as an example for national health insurance systems."

Kaido

"Lyfery and Compensa’s partnership builds trust."

"Lyfery’s service is personal, transparent, and efficient. Their collaboration between an Estonian startup and Compensa gives me the confidence that I am always well-protected and cared for."

Price depends on your health behaviour

We measure and take into account your health behaviour during assessment, resulting in a personalised and best possible price for life insurance on the market.

Based on your health behaviour responses, your personal Lyfery score is calculated, which will influence your annual life insurance premium.

Your personal life insurance solution

Your age

39 years

Recommended life insurance coverage

100000€

25000

300000

Recommended additional severe disability coverage

100000€

100000

I will choose following included annual wellness package

Health coaching package

18.3€ per month

Personalized health audit

13.0€ per month

Monthly payment

Total

19.46€

Life insurance

15.78€
Additional Severe Disability

5.84€
0.00€
Health dividends -10%

-2.16€

Your payment shedule example

Calculations are approximate and take into account the preliminary information you shared with us (e.g. insurance amount, age, health behaviour answers). The outcome might differ from the final offer. Please note that the monthly insurance payment will increase as you age. You can read the final and detailed payment schedule before signing the contract.

Name	Type	Duration	Description
google.com	3rd party requests	none	These 3rd party requests load a script to protect the website from spam and abuse. They load the Google reCAPTCHA service, which helps ensure that the website is used by humans, not robots.
gstatic.com	3rd party requests	none	These 3rd party requests load a stylesheet for the Google reCAPTCHA service. They provide the necessary CSS to ensure the reCAPTCHA elements are displayed correctly on the website.
fonts.gstatic.com	3rd party requests	none	These 3rd party requests load font files to enhance the appearance of our website. They fetch fonts from Google Fonts, ensuring consistent and high-quality text rendering.

Name	Type	Duration	Description
conseno_consent	1st party cookie	1 year	This 1st party cookie stores consent-related information. It includes the consent status, consent details, a unique consent ID and record ID, the consent language, region, and timestamps. This is needed for legal purposes to maintain the preferences of website visitors during their time on the website.
static.conseno.com	3rd party requests	none	These 3rd party requests load scripts to display the consent banner on the website. They load the Conseno script to ensure legal compliance by collecting and managing visitors' consent for various data processing activities.
loc.conseno.com	3rd party requests	none	These 3rd party requests help identify the country-level location for legal purposes. They use masked (anonymised) IP addresses to determine the country of the website visitor. They won't collect any personal data or full IP addresses of visitors.
log.conseno.com	3rd party requests	none	These 3rd party requests help record the website visitor's consent decisions in a corresponding log with a digital timestamp, which is necessary to ensure compliance with legal and data protection requirements.

Name	Type	Duration	Description
googletagmanager.com	3rd party requests	none	These 3rd party requests load the Google Tag Manager script, which helps manage and add services to the website. They help ensure efficient and accurate data collection without directly modifying the website's code.

Name	Type	Duration	Description
_ga_VDJX0W93NQ	1st party cookie	2 years	This 1st party cookie helps us understand how visitors use our website. It includes a unique identifier for tracking user interactions, session data, and user activities. This information is used to analyse website usage and performance, and to improve the user experience.
_ga	1st party cookie	2 years	This 1st party cookie helps us gather data about how visitors use our website. It contains a unique identifier to compile statistics on user behaviour, session durations, channels, and navigation patterns. This data helps analyse website performance and enhance the overall user experience.
googletagmanager.com	3rd party requests	none	These 3rd party requests load the Google Analytics service script on the website. They enable data collection and analysis of user interactions, providing insights into website performance and user behaviour. This helps us optimise the user experience and make better business decisions.
analytics.google.com	3rd party requests	none	These 3rd party requests send data to the Google Analytics platform. They transmit information about visitor interactions, session details, and device specifics. This data collection helps generate comprehensive analytics reports, enabling us to understand visitor behaviour and improve website functionality and performance.

Name	Type	Duration	Description
_hjSessionUser_3573289	1st party cookie	1 year	This 1st party cookie is stored in the browser when a visitor first visits the website. It stores a unique Hotjar ID specific to that website, ensuring that subsequent visits to the same website are linked to the same ID. This helps accurately track visitor interactions and behaviour on the website.
_hjHasCachedUserAttributes	1st party cookie	session	This 1st party cookie helps determine if the data stored in the _hjUserAttributes Local Storage item is up to date. It uses a true/false boolean value to indicate the status. This ensures that the user attributes are accurately maintained during a browsing session.
_hjUserAttributesHash	1st party cookie	2 min	This 1st party cookie helps determine when user attributes have been changed and if they need updating. It uses a hash data type to effectively track changes, ensuring that visitor attribute information remains accurate during web sessions.
_hjUserAttributes	local storage	persistent	This local storage item stores User Attributes sent through the Hotjar Identify API. It uses Base64 encoded JSON data to ensure secure and efficient storage of user attribute information.
hjViewportId	session storage	session	This session storage item stores details about the user’s viewport, including its size and dimensions. It uses a UUID data type to ensure unique identification and accurate tracking of the viewport information during sessions.
hjActiveViewportIds	local storage	persistent	This local storage item stores the IDs of active user viewports. It includes an expiration timestamp to validate active viewports during script initialization. It uses the JSON data type.
_hjSession_3573289	1st party cookie	30 min	This 1st party cookie holds current session data. It ensures subsequent requests in the session window are attributed to the same session. It uses the JSON data type.
_hjCookieTest	1st party cookie	< 1 min	This 1st party cookie checks if the Hotjar code can use cookies. If it can, a value of 1 is set. It is deleted almost immediately after being created and uses a Boolean true/false data type.
_hjLocalStorageTest	local storage	persistent	This 1st party cookie checks if the Hotjar code can use Local Storage. If it can, a value of 1 is set. The data stored has no expiration time but is deleted almost immediately after being created, using a true/false data type.
_hjSessionStorageTest	session storage	session	This session storage item checks if the Hotjar code can use session storage. If it can, a value of 1 is set. The data stored has no expiration time but is deleted almost immediately after being created, using a true/false data type.
_hjTLDTest	1st party cookie	session	This session storage item tests if the _hjTLDTest cookie can be stored for different URL substrings until it fails. This process helps determine the most generic cookie path to use, allowing cookies to be shared across subdomains where applicable. After the check, the cookie is removed, using a true/false data type.
static.hotjar.com	3rd party requests	none	These 3rd party requests load the Hotjar service script on the website. They enable user interaction tracking, heatmaps, and session recordings, helping us understand visitor behaviour and improve website usability.
script.hotjar.com	3rd party requests	none	These 3rd party requests are used by the Hotjar service on the website. They load scripts to measure browser performance and load modules necessary for Hotjar's functionality. These requests help track user interactions, generate heatmaps, and record sessions to improve website usability.
metrics.hotjar.io	3rd party requests	none	These 3rd party requests are used by the Hotjar service on the website. They send data to Hotjar's metrics endpoint, helping to collect and analyse user interaction data. This aids in the creation of heatmaps and session recordings to improve website usability.
vc.hotjar.io	3rd party requests	none	These 3rd party requests are used by the Hotjar service on the website. They send session data to Hotjar's servers, which helps track user interactions and behaviour. This information is used to generate heatmaps and session recordings, improving the overall usability of the website.
content.hotjar.io	3rd party requests	none	These 3rd party requests are used by the Hotjar service on the website. They retrieve content data from Hotjar's servers, which helps in loading the necessary resources for tracking user interactions and behaviour.

Name	Type	Duration	Description
AEC	3rd party cookie	6 months	This 3rd party cookie helps detect bots, fraud, and abuse. It helps identify whether requests during a web session are made by humans or bots. This cookie helps prevent the effects of malicious bot activities. Additionally, it ensures that advertisers are not incorrectly charged for fraudulent or invalid ad impressions or interactions.
ANID	3rd party cookie	2 years	This 3rd party cookie is used to show Google ads on non-Google sites. If personalized ads are enabled, it helps customize the ads you see based on your preferences. If personalized ads are turned off, it remembers this preference to ensure you don't see personalized ads.
DSID	3rd party cookie	2 weeks	This 3rd party cookie is used by Google to identify signed-in users on non-Google sites. It ensures that the user's ad personalization settings are respected, allowing for a consistent advertising experience based on the user's preferences.
HSID	3rd party cookie	1 year	This 3rd party cookie helps authenticate users and ensure that only the actual owner of an account can access it. The HSID cookie contains a digitally signed and encrypted record of a user's Google Account ID and the most recent sign-in time. This helps Google block many types of attacks, such as attempts to steal the content of forms submitted in Google services.
id	3rd party cookie	2 years	This 3rd party cookie is used to show Google ads on non-Google sites. If personalized ads are enabled, it helps personalize the ads displayed to you. If personalized ads are turned off, it remembers this setting to prevent personalized ads from being shown.
IDE	3rd party cookie	2 years	This 3rd party cookie is used to show Google ads on non-Google sites. It collects information about user interactions with ads, helping to customize and improve the ads shown to you. It ensures that ads are relevant and aligned with user interests.
NID	3rd party cookie	6 months	This 3rd party cookie is used to show Google ads in Google services for users who are signed out. It helps display relevant ads based on user preferences and interactions within Google services.
SID	3rd party cookie	1 year	This 3rd party cookie helps authenticate users and ensure that only the actual owner of an account can access it. The SID cookie contains a digitally signed and encrypted record of a user's Google Account ID and the most recent sign-in time. This helps Google block many types of attacks, such as attempts to steal the content of forms submitted in Google services.
UULE	3rd party cookie	6 hours	This 3rd party cookie sends precise location information from your browser to Google's servers. It enables Google to show results relevant to your location, depending on your browser settings and whether you have location services turned on for your browser.
__Secure-1PAPISID	3rd party cookie	1 year	This 3rd party cookie helps maintain your preferences and other information. It is used to remember settings like your preferred language, the number of results you want to see on a search results page, and whether you have Google’s SafeSearch filter turned on.
__Secure-1PSID	3rd party cookie	1 year	This 3rd party cookie is used to maintain user preferences and settings across Google services. It remembers details such as preferred language and search result preferences, helping enhance user experience.
__Secure-3PSID	3rd party cookie	1 year	This 3rd party cookie is used to store user preferences and other settings for Google services. It keeps track of choices such as language preferences, SafeSearch filter settings, and the number of results displayed per search page, ensuring a consistent user experience.
__Secure-ENID	3rd party cookie	1 year	This 3rd party cookie is used to store user preferences and other settings for Google services. It keeps track of choices such as language preferences, SafeSearch filter settings, and the number of results displayed per search page, ensuring a consistent user experience.
googleadservices.com	3rd party requests	none	These 3rd party requests are used by the Google Ads service on the website. They track conversions by sending data about user interactions and ad clicks to Google's servers. These requests help us measure the effectiveness of ad campaigns and provide insights into user behaviour, enabling the optimisation of advertising strategies.
td.doubleclick.net	3rd party requests	none	These 3rd party requests are utilised by the Google Ads service on the website. They transmit data about user actions and ad performance to Google's servers. This information assists in monitoring the success of ad campaigns, analysing user engagement, and enhancing our advertising efforts.
googleads.g.doubleclick.net	3rd party requests	none	These 3rd party requests are employed by the Google Ads service on the website. They track view-through conversions by sending data about user impressions and ad interactions to Google's servers. This data helps us measure the impact of ad campaigns, understand user behaviour, and refine our advertising strategies.
google.com	3rd party requests	none	These 3rd party requests are utilised by the Google Ads service on the website. They facilitate the tracking of conversions by transmitting data regarding user interactions and ad clicks to Google's servers. This enables us to assess the performance of ad campaigns and gain insights into user behaviour, thereby allowing for the optimisation of advertising strategies.

Name	Type	Duration	Description
_gcl_ag	1st party cookie	90 days	This 1st party cookie is used by Google Conversion Linker to measure ad performance and conversion rates. It helps track actions taken by users after clicking on ads, such as making a purchase, ensuring accurate measurement of ad campaign effectiveness.
_gcl_au	1st party cookie	90 days	This 1st party cookie is used by Google Conversion Linker to track and report conversions. It collects data about ad clicks and user actions on the website to measure the success of ad campaigns.
_gcl_aw	1st party cookie	90 days	This 1st party cookie is used by Google Conversion Linker to associate ad clicks with user actions on the website. It helps in tracking conversions such as purchases, providing insights into ad campaign performance.
_gcl_dc	1st party cookie	90 days	This 1st party cookie is utilized by Google Conversion Linker to store ad click information. It ensures that conversions are accurately attributed to the corresponding ad clicks, aiding in the evaluation of ad campaign effectiveness.
_gcl_gb	1st party cookie	90 days	This 1st party cookie is used by Google Conversion Linker to measure user interactions with ads. It collects data on ad clicks and subsequent user actions on the website, helping to assess the impact of ad campaigns.
_gcl_gs	1st party cookie	90 days	This 1st party cookie is used by Google Conversion Linker to track the performance of ads by recording ad clicks and user actions. It helps in linking conversions to specific ad interactions, facilitating accurate campaign analysis.
GCL_AW_P	3rd party cookie	90 days	This 3rd party cookie is used by Google Conversion Linker to track and measure conversions from Google Ads. It records information about ad clicks and user interactions on the website, helping to attribute conversions to specific ad campaigns. This data is used to analyze the performance and effectiveness of Google Ads campaigns.

Name	Type	Duration	Description
_fbp	1st party cookie	90 days	This 1st party cookie is generated by Meta Ads. It identifies browsers to provide advertising and site analytics services. It helps count the number of times an ad is shown, calculates the cost of ads, and measures actions taken by users, such as purchases following an ad impression.
_fbc	1st party cookie	90 days	This 1st party cookie is generated by Meta Ads. It helps associate ad clicks with user actions on the website. It tracks conversions, such as purchases, providing insights into ad campaign performance and effectiveness.
fr	3rd party cookie	90 days	This 3rd party cookie is generated by Meta Ads. It helps deliver, measure, and improve the relevancy of ads by tracking user interactions with ads and websites. It ensures that ads are shown to people who have previously visited a business's website or used its services, and limits the number of times the same ad is shown to the user.
usida	3rd party cookie	session	This 3rd party cookie is generated by Meta Ads. It stores a unique session identifier that helps track user interactions and behavior across the website. This information is used to analyze and improve ad targeting and campaign effectiveness, ensuring that the ads are relevant and engaging for the user.
locale	3rd party cookie	7 days	This 3rd party cookie is generated by Meta Ads. It stores the user's language and regional settings, ensuring that the ads and website content are displayed in the user's preferred language and format.
ps_l	3rd party cookie	1 year	This 3rd party cookie is generated by Meta Ads. It tracks user engagement and interactions with the platform, helping to improve the relevance and effectiveness of ads shown to the user.
ps_n	3rd party cookie	1 year	This 3rd party cookie is generated by Meta Ads. It measures user interaction and engagement with ads and website content, aiding in the optimization of ad delivery.
dpr	3rd party cookie	7 days	This 3rd party cookie is generated by Meta Ads. It stores the device pixel ratio of the user's device, which helps ensure that images and ads are displayed correctly on different screen resolutions.
datr	3rd party cookie	1 year	This 3rd party cookie is generated by Meta Ads. It identifies the web browser being used to connect to Facebook, helping improve security and user experience.
oo	3rd party cookie	1 year	This 3rd party cookie is generated by Meta Ads. It stores the user's opt-out preferences for ad targeting, ensuring that users who opt out do not receive personalized ads.
sb	3rd party cookie	1 year	This 3rd party cookie is generated by Meta Ads. It helps improve site security and enhance the login experience by identifying the user's browser and device.
wd	3rd party cookie	7 days	This 3rd party cookie is generated by Meta Ads. It stores the dimensions of the user's browser window, allowing for the proper rendering of ads and website content.
lastExternalReferrer	local storage	persistent	This local storage item generated by Meta Ads stores the URL of the last external website that referred a user to our site. This information helps analyze traffic sources and user behavior, aiding in the optimization of marketing strategies.
lastExternalReferrerTime	local storage	persistent	This local storage item generated by Meta Ads records the timestamp of when the last external referrer directed a user to our site. This data is used to track referral times, enhancing the understanding of user interaction patterns and referral traffic timing.
connect.facebook.net	3rd party requests	none	These 3rd party requests are generated by Meta Ads to load and configure the Facebook Pixel script on the website. They enable the tracking of user interactions and conversion events, providing insights into ad performance and user behavior. This data helps to optimize marketing strategies, measure ad effectiveness, and ensure proper data collection for improved advertising campaign outcomes.
www.facebook.com	3rd party requests	none	These 3rd party requests are generated by Meta Ads to track page views and user interactions on the website. They send data about visitor behavior and conversion events to Meta's servers, enabling the analysis of ad performance and user engagement. This data is crucial for optimizing advertising strategies, measuring the effectiveness of campaigns, and improving overall marketing efforts.

Name	Type	Duration	Description
li_fat_id	1st party cookie	30 days	This 1st party cookie is used by LinkedIn Ads to associate ad clicks with user actions on the website. It helps in tracking conversions such as purchases, providing insights into ad campaign performance. It serves as an indirect identifier for LinkedIn members, aiding in conversion tracking, retargeting, and analytics.
li_giant	1st party cookie	7 days	This 1st party cookie is used by LinkedIn Ads to associate ad clicks with user actions on the website. It helps in tracking conversions such as purchases, providing insights into ad campaign performance. It acts as an indirect identifier for groups of LinkedIn members, aiding in conversion tracking.
AnalyticsSyncHistory	3rd party cookie	30 days	This 3rd party cookie is used by LinkedIn Ads to store information about the time a sync occurred with the lms_analytics cookie. It helps in tracking and analyzing user interactions on the website, providing insights into ad campaign performance and user behavior.
ar_debug	3rd party cookie	30 days	This 3rd party cookie is used by LinkedIn Ads to support the Google attribution reporting API integration, helping to mitigate signal loss. It aids in tracking and analyzing user interactions on the website, ensuring accurate attribution and performance insights.
BizographicsOptOut	3rd party cookie	10 years	This 3rd party cookie is used by LinkedIn Ads to determine the opt-out status for non-members. It helps manage user preferences regarding data collection and advertising.
bcookie	3rd party cookie	1 year	This 3rd party cookie is used by LinkedIn Ads to uniquely identify devices accessing LinkedIn. It helps detect abuse on the platform and is used for diagnostic purposes.
bscookie	3rd party cookie	1 year	This 3rd party cookie is used by LinkedIn Ads to remember that a logged-in user is verified by two-factor authentication and has previously logged in.
_guid	3rd party cookie	90 days	This 3rd party cookie is used by LinkedIn Ads to identify a LinkedIn member for advertising through Google Ads.
JSESSIONID	3rd party cookie	session	This 3rd party cookie is used by LinkedIn Ads for ID syncing.
l_page	3rd party cookie	6 months	This 3rd party cookie is used by LinkedIn Ads to measure conversion metrics.
lang	3rd party cookie	session	This 3rd party cookie is used by LinkedIn Ads to remember a user's language setting, ensuring LinkedIn.com displays in the language selected by the user in their settings.
lidc	3rd party cookie	24 hours	This 3rd party cookie is used by LinkedIn Ads to facilitate data center selection.
li_gc	3rd party cookie	6 months	This 3rd party cookie is used by LinkedIn Ads to store the consent of guests regarding the use of cookies for non-essential purposes.
li_mc	3rd party cookie	6 month	This 3rd party cookie is used by LinkedIn Ads as a temporary cache to avoid database lookups for a member's consent for the use of non-essential cookies. It also stores consent information on the client side to enforce consent.
li_sugr	3rd party cookie	90 days	This 3rd party cookie is used by LinkedIn Ads to make a probabilistic match of a user's identity.
liap	3rd party cookie	1 year	This 3rd party cookie is used by LinkedIn Ads on non-www domains to denote the logged-in status of a member.
lms_ads	3rd party cookie	30 days	This 3rd party cookie is used by LinkedIn Ads to identify LinkedIn Members off LinkedIn for advertising.
lms_analytics	3rd party cookie	30 days	This 3rd party cookie is used by LinkedIn Ads to identify LinkedIn Members off LinkedIn for analytics.
UserMatchHistory	3rd party cookie	30 days	This 3rd party cookie is used by LinkedIn Ads for ID syncing. It facilitates the ID sync process and stores the last sync time to prevent frequent repetition of the syncing process.
snap.licdn.com	3rd party requests	none	These 3rd party requests load the LinkedIn Ads analytics script on the website. They help collect and analyze data on user interactions, enabling us to improve ad targeting and measure the effectiveness of our ad campaigns.
px.ads.linkedin.com	3rd party requests	none	These 3rd party requests send data to LinkedIn Ads' servers. They collect information about user interactions on our website, helping to improve ad targeting and measure the effectiveness of our ad campaigns.
www.linkedin.com	3rd party requests	none	These 3rd party requests are used by LinkedIn Ads to synchronize data and send information about user interactions on our website. This helps improve ad targeting and measure the effectiveness of our ad campaigns.

AI Nav

Life insurance that cares
about your expenses and wellbeing

39 years

150 000 €

26 €

What do we do differently?

Fair Pricing

Science-Based

Reliability

Everyday Assurance

What our customers say?

Rait

Helery

Kristjan

Andres

Ivar

Kaido

Price depends on your health behaviour

Your personal life insurance solution

I will choose following included annual wellness package

Your age

Recommended life insurance coverage

Recommended additional severe disability coverage

I will choose following included annual wellness package

Health dividends

10%

Monthly payment

19.46€

Our partners and friends

Life insurance that caresabout your expenses and wellbeing

39 years

150 000 €

26 €

What do we do differently?

Fair Pricing

Science-Based

Reliability

Everyday Assurance

What our customers say?

Rait

Helery

Kristjan

Andres

Ivar

Kaido

Price depends on your health behaviour

Your personal life insurance solution

I will choose following included annual wellness package

Your age

Recommended life insurance coverage

Recommended additional severe disability coverage

I will choose following included annual wellness package

Health dividends

10%

Monthly payment

19.46€

Our partners and friends

Life insurance that cares
about your expenses and wellbeing