Blog

Lyfery on Kanal 2’s Telehommik: how to make life insurance genuinely useful

30.10.25

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The Overlooked Pillar of Wellbeing: Why Social Health Matters

26.10.25

When we talk about health, most of us immediately think of physical fitness, a balanced diet, or regular medical check-ups. Increasingly, mental health has entered the spotlight too. But there’s another critical and often neglected pillar of wellbeing: social health.

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Tervisekassa peakontor Tallinnas. Foto: Mikk Keis

The State Should Do More to Support Those Who Strive for Their Health

25.10.25

In light of the challenges faced by the Estonian Health Insurance Fund (Tervisekassa), it is high time to seriously address the deeper and long-term problems of our health insurance system. Systemic, forward-looking solutions have so far been proposed too cautiously. Soon, a new head of Tervisekassa will be appointed — someone who could lead the process of creating a modern, renewed, and sustainable health insurance system.

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

10.06.25

Lyfery is not just life insurance – it’s life insurance supporting youth sports and healthy living. We believe every contract should be more than a financial safety net. By investing in young people’s health and opportunities, life insurance becomes a tool for change, not just protection.

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

06.05.25

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.

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

07.03.25

Scientists have found that the longer 5–17-year-olds sit each day, the worse their health becomes – especially when it involves watching TV or other screens during leisure time. For this reason, the World Health Organization recommends that children and adolescents aged 5–17 engage in at least 60 minutes of moderate to vigorous physical activity daily.

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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!

20.02.25

The impact of physical activity on health gained attention in the 1950s, when it was discovered that people engaged in physical work (e.g. postmen, bus conductors) had a lower risk of heart disease compared to their more sedentary peers. Today, we know that in addition to heart disease, regular physical activity helps prevent stroke, high blood pressure, breast and colon cancer, type 2 diabetes, and osteoporosis.

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Lyfery Health Webinar on Preventive Healthcare and Insurance

16.02.25

Associate Professor of Public Health at the University of Tartu, Dr. Taavi Tillmann (PhD), and preventive medicine consultant Dr. Kristiina Paju discuss preventive healthcare, disease prevention, and share science-based advice on a healthy lifestyle. Mihkel Mandre, founder of Lyfery, talks about Lyfery – Estonia’s first life insurance that rewards healthy lifestyles – and presents the company’s plans. Webinar is in Estonian language.

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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.

26.01.25

22.01.2025 Kuku Radio ‘Buum’ show can be listened to here. Mihkel Mandre, founder of Lyfery: 👉 Global political and economic changes affect us all. With uncertainty high, having well-thought-out plans is essential for individuals and businesses to manage risks effectively.

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A New Chapter Begins: Collaboration Between Lyfery and Activate

20.12.24

We are pleased to announce that all Lyfery customers will receive free access to the Activate health app during the first quarter of 2025. Activate rewards physical activity and everyday healthy choices – perfectly aligned with Lyfery’s mission to help everyone move toward better health while preventing illness.

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What Health Service Should You Gift a Loved One?

16.12.24

It’s the busy gift-hunting season again, and health and fitness-related products are becoming increasingly popular. So, what should you give your loved one to help them improve their health? In general, people want to live longer — and spend more of those years in good health, with less time being sick. When we look at the most common diseases, the focus should be on reducing the risk of heart disease, diabetes, and cancer.

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

11.12.24

Lyfery CEO Mihkel Mandre appeared live on Tre Radio to discuss life insurance in general, why it’s necessary, and how Lyfery stands out from competitors in the market. Why is life insurance important, and who needs it?

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Daily Steps Matter – Even in Life Insurance

25.11.24

At Lyfery, we personalize health behavior for our clients. An essential part of our health behavior model is the number of steps taken daily — walking is one of the easiest ways to stay active. But how does walking benefit your health? And how many steps should you aim for? Daily Steps – A Marketing Gimmick Backed by Science

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How Much Alcohol Is Right for You?

18.11.24

Lyfery’s medical consultant, Dr. Kristiina Paju, and Dr. Taavi Tillmann, Associate Professor of Public Health at the University of Tartu and Lyfery’s Lead Researcher, focus on the impact of alcohol consumption on our health. Since alcohol consumption (like other health behaviors) is a deeply personal choice, we at Lyfery do not tell anyone what to do.

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

11.11.24

The “Insurance Act of the Year” competition, organized by the Estonian Insurance Association (EKsL), recognized a groundbreaking life insurance project by Lyfery and Compensa Life Insurance as the winner. This innovative life insurance product rewards healthy lifestyle choices, setting a new standard in the industry.

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

10.11.24

The Lyfery health behavior model helps us more accurately assess a client’s lifestyle to offer the most personalized life insurance pricing. Today, we dive deeper into the components of the Lyfery health behavior model. We start with smoking and, toward the end, also discuss e-cigarettes and their impact on young people.

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

09.10.24

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

03.10.24

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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How do we assess the health behavior of Lyfery clients?

08.08.24

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

18.06.24

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

02.04.24

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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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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