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Starting Today, Life Insurance in Estonia Is Priced by Health Behavior

28.09.25

Lyfery Insurance OÜ, founded by Mihkel Mandre and Indrek Holst, has launched Estonia’s first life insurance product that values healthy lifestyles. With premiums nearly twice as cheap as traditional insurers, Lyfery rewards preventive health behavior and aims to expand to larger CEE markets.

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Lyfery life insurance saves tens of millions of euros for Estonians, following the example of Tuleva, Wise, and others.

28.09.25

Lyfery is transforming Estonia’s life insurance market by cutting hidden costs, rewarding healthy behavior, and offering premiums often twice as cheap as banks. Backed by Compensa and leading health experts, Lyfery ensures clients keep more of their money while gaining fair protection.

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How do we assess the health behavior of Lyfery clients?

28.09.25

Lyfery has introduced Estonia’s first truly personalized life insurance, built on a unique health behavior model. By evaluating lifestyle factors such as daily steps, exercise, smoking, alcohol consumption, and use of health services, Lyfery provides fairer premiums and supports preventive choices that improve long-term health.

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Lyfery’s Health Behaviour Model Today: 5 Factors That Lower Your Life Insurance Payment

28.09.25

Lyfery’s health behavior scoring model personalizes life insurance by assessing key lifestyle factors such as smoking, alcohol use, daily steps, and physical activity. This evidence-based approach helps us offer fairer premiums and support healthier living.

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The Exciting Future of Lyfery’s Health Behavior Model: Seven Key Ways to Maintain Your Health

28.09.25

Lyfery’s health behavior model already personalizes life insurance pricing using five lifestyle factors. We explore seven additional health aspects—blood pressure, BMI, diet, sleep, mental health, and screenings—that could shape its future.

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Smoking – Harmful Not Only to Health and Mind but Also to Insurance Premiums

28.09.25

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Lyfery and Compensa Life Insurance Win Insurance Act of the Year for Healthy Lifestyle Initiative

28.09.25

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How Much Alcohol Is Right for You?

28.09.25

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Daily Steps Matter – Even in Life Insurance

28.09.25

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Why is life insurance important, and why do you need it?

28.09.25

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What Health Service Should You Gift a Loved One?

28.09.25

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A New Chapter Begins: Collaboration Between Lyfery and Activate

28.09.25

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On Kuku Radio’s “Buumi” show, Mihkel Mandre, Raivo Vare, and Anto Liivat discussed global risks and the future of life insurance.

28.09.25

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Lyfery Health Webinar on Preventive Healthcare and Insurance

28.09.25

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Would you like to be more balanced, happier, sharper, more rested, and reduce your risk of chronic diseases in 2025? Grab your sneakers!

25.09.25

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A seven-year-old doing push-ups? Maybe indeed!

23.09.25

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

23.09.25

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Lyfery is proud to support the Estonian Golf & Country Club Youth Fund

23.09.25

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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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