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Lyfery adaptive insurance
Steer your insurance costs with lifestyle choices
Lyfery provides you peace of mind by combining life insurance and wellness into one smart subscription.
We believe that insurance should be smart and adaptive. If we live healthy then insurance should also be cheaper.
With Lyfery you both secure your financials and increase the quality of your life.
Lyfery services
Complement your life insurance with one or more wellness packages
Life insurance
Protection starts from the next day and will be valid 24h across the world
In case of death the compensation is paid to the person(s) named by you
Perfect replacement for the mortgage insurance when you have- or are planning- financial obligations
Insurance premium is cheaper with Lyfery as we take into account your contribution to your health
Provided by Compensa Life Vienna Insurance Group SE
Severe disability insurance (optional)
The one-time benefit helps to cover reduced income and expenses for treatment
Covers permanent disability both as a result of a sickness or an accident
Extends your life insurance, permanent disability compensation payout does not affect your life insurance coverage
Effective from the next day, 24hour cover worldwide
Lack of work capacity is an insured event if it has been assigned to you for at least 12 months by a competent state authority
Provided by Compensa Life Vienna Insurance Group SE
Personalized health audit
Annual 360 degree health audit; takes into account your age and sex
Thorough questionnaire and a blood test of 16 indicators as an outcome
Presented in the language and design you understand
A repeat audit after 6 months if needed
Blood tests at HeBA Clinic or any of Synlab sites
Provided by HeBA online Clinic
Health coaching
Up to five sessions per year at your choice with either mental health specialist, nutrition specialist or health coach
Free 24/7 access to digital solutions- advising tools, questionnaires and recommendations
Provided by Minudoc digital health platform
Lyfery calculator
Save by combining protection and prevention
Lyfery benefits
Why join Lyfery?
Life insurance that gives you value from day one
You know what you pay for.
Services and pricing that support your healthy lifestyle
Testimonials
Don't take our word for it. See what others are saying about us.
“In times when people call health the new wealth, it is important to develop new concepts of life insurance. Concepts that actively support staying healthy are exactly the right answer to this trend.”
Bernd M. Müller
COO PIB Europe
Ex-Global Head of Business Model Development at SCOR
“Smart & Beneficial: Lyfery unique value proposition provides a “2 for 1” win for the consumer that is looking to purchase Life Insurance. It covers the Life Insurance need while motivating healthy choices.”
Jim Langenwalter
Global Head, Business Technology Strategy
Oracle Financial Services
“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.”
Külliki Tafel-Viia, PhD
Global Head of Business Model Development
Tallinn University
“Technological revolution and a deep knowledge of the finance industry have rewarded me with a number of successful start-ups and companies in the field. But thus far, no one has managed to really make a real breakthrough in life insurance.”
Priit Põldoja
Founder & CEO
Inbank
“Standard, non-life insurance has been digitized for a while now. Yet life insurance lags behind is now on the verge of a breakthrough. Healthy lifestyle awareness has increased substantially.”
Veiko Hintsov
Deloitte Central Europe ex-partner
Põhjala tehas developer
“Lyfery's concept of life insurance combined with the extension of healthy life years is 100% in line with HeBA Clinic’s future vision. Likewise, we see great potential for innovation in the synergy of health and insurance services.”
Ain Aaviksoo, MD MPH
HeBA Clinic Development Manager
Health innovator
“Insurance is a low innovation domain where breakthrough is difficult to achieve. Lyfery's concept is interesting and it addresses risks relevant to customers. The passion of the founders and the experience of the team are the reason why I believe Lyfery will succeed. This is why Compensa Life is helping them to achieve it.”
Merko Kimso
Compensa Life Vienna Insurance Group SE
Head of Compensa Life Estonia
“Lyfer's mission to combine life insurance with health behavior is a modern and refreshing approach to an otherwise traditionally boring product. Aside from offering long term peace of mind, finding the personalized solution has now been made very easy and cost efficient.”
Tarmo Pihl
Minudoc.ee
CEO
Partners
Our partners and friends
