Protect your close ones & live healthy

Lyfery creates your personal insurance & wellness package

Lyfery calculator

Together is better: protection and prevention

How much coverage do You need?

Your age (years):

Recommended life insurance coverage:


Recommended additional severe disability coverage:


I will choose following included annual wellness package

  • Health coaching package
    12€ per month
  • Personalized health audit
    12€ per month
Let’s tailor the package further

Additional information for my personal needs

Your net income:
Outstanding loans:
Current savings:

Monthly payment:


  • Life insurance
  • Additional Severe Disability
  • Health coaching package
  • Health dividends -10%

The calculations are approximate and take into account information you provided (e.g. insured sum, age, wellness package). It may differ from the final offer you receive. Please also note that as a general practice life insurance premium will increase over time. A comprehensive breakdown of payments will be given to you before signing the application.


Our product is in progress.

Give feedback and/or subscribe below to get early access to try our product.

Liitudes aktsepteerid Lyfery isikuandmete töötlemise põhimõtteid


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 SCOR
Bernd M. Müller

Global Head of Business Model Development

Partnerships 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 Oracle
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 Tallinn University
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 Inbank
Priit Põldoja

Founder & CEO


“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
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 HeBa
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
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
Tarmo Pihl



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