A Gift for Those Who Care About Their Wellbeing
You invest in your health — you go for check-ups, eat mindfully, and stay active. But even the healthiest lifestyle can’t protect you from life’s unexpected turns.
Lyfery and Meliva have created a special offer that helps you keep your loved ones protected — even when life takes an unexpected turn.
And the healthier you live, the fairer your price.
Exclusive offer for Meliva clients: use the promo code MELIVA
and get your first month free + 50% off monthly payments for the next 6 months. Offer valid until March 1, 2026.
Why We Created Lyfery
We created Lyfery because we were frustrated by how unfair traditional life insurance is. You work out regularly. You eat healthy. You don’t smoke. Yet you still pay as much — or even more — than someone who ignores their risks.
That didn’t feel right. We wanted to build something better.
Together with scientists, doctors, and insurance experts, we developed a lifestyle-based life insurance model that reflects your habits.
The healthier you live, the lower your risk — and the fairer your price.
Recognition
Lyfery Life Insurance received the “Insurance Act of the Year” award for its innovative approach, where a person’s lifestyle directly influences the cost of their insurance.
Trustworthiness
We provide insurance in partnership with Compensa Life (Vienna Insurance Group), so the financial risk of your life insurance is backed by a strong and reliable insurer.
Lifestyle Score
Your Lyfery premium is based on your lifestyle score – the healthier your habits, the better your insurance price. The score also helps you understand your habits more clearly.
Kuni 2x soodsam elukindlustus
Vanus: 45
Elukindlustuse summa: 150 000 €
* The calculation is based on a 45-year-old with a €150,000 sum insured and a 10-year term. You can view a detailed price comparison with banks here; it is based on publicly available life-insurance calculators at www.lyfery.com, www.swedbank.ee, and www.seb.ee. The Lyfery example reflects an average healthy profile (including a –30% Health Dividend). Please review the insurance terms and, if needed, consult our specialist at [email protected]
You can switch your existing life insurance in 3 simple steps.
Complete and sign the form
(about 3 minutes)
We’ll send you your policy.
To review and signature
End your current insurance policy
Enjoy peace of mind with Lyfery.
Lyfery Lifestyle Score – fair, backed by science, built to help you.
The Lyfery Lifestyle Score helps you understand how your everyday habits shape your future — your health, your longevity, and even the price of your insurance.
It was designed by Dr. Taavi Tillmann, Associate Professor of Public Health at the University of Tartu and Lyfery’s Lead Scientist, and Veikko Tamlak, former Chief Actuary at Swedbank. Their research made it possible to connect your lifestyle with a fair, personalized insurance price.
A reflection, not a judgment.
- Lyfery’s Lifestyle Score helps you understand your habits — not judge them.
- Step by step, you’ll get personalized guidance to live healthier every day.
- Honest answers mean a more accurate score and better tips.
An evidence-based holistic view
- We look at the 7 key health factors with proven impact.
- We don’t ask unnecessary questions, only what truly impacts your health.
- We continuously update our model based on the latest scientific research.
Tervem elu, parem hind
- A fairer price — up to 50% lower, with no complicated conditions.
- Your score reflects your choices, not your genetics or background.
- The more you understand, the more you can improve your health and your finances.
