Lyfery Services
All Lyfery services and products are built around a unique lifestyle-based approach — we’re the only insurance platform in Estonia that takes your health choices into account when pricing, and helps you improve them too.
3 key protections
Protect your life — and your family’s income
3 partner offers
Protect your life — and your family’s income
3 most important protections
Together with Compensa, our cover helps you build real financial security for you and your loved ones — for the “just in case” moments you can’t foresee, but can be ready for.
Lyfery Life Insurance
Create financial security for your loved ones — even if you’re no longer here and your income stops.
Cover for the unexpected
Protection applies whether death is caused by illness or an accident.
Financial support for your family
If something happens to you, the payout goes to the people you choose.
An alternative to loan insurance
A practical way to protect home-loan and other financial commitments.
Cover starts straight away
Your protection begins as soon as the policy is issued.
Severe Disability Insurance
Create financial security for you and your loved ones — even if you can’t work anymore.
Peace of mind when life changes
A one-off payout helps you stay financially stable and manage day-to-day life if you permanently lose your ability to work due to illness or injury.
Covers illness and accidents
Applies in cases of permanent disability, whatever the cause.
Extra support alongside life insurance
The disability payout doesn’t reduce your life insurance amount or affect other benefits.
An alternative to loan insurance
A practical way to protect home-loan and other financial commitments.
Critical Illness Insurance
Give yourself financial security if a serious illness suddenly knocks you off track.
Support when you need it most
A one-off payout helps you cope after the first diagnosis of one of 41 serious illnesses — such as cancer, a heart attack, or a stroke.
You choose how to use the payout
Use it in the way that helps you most: treatment, recovery, support equipment, covering a drop in income, or anything else you need.
A wider level of cover
Many critical illness policies cover only a short list (around 3–10 illnesses) or just cancer. Ours is broader. It’s a more complex product, so it’s worth checking the terms and limitations.
Cover includes your children
Your protection (up to 25% of the insurance amount) can also extend to up to three of your children.
Compare the different covers
| Lyfery Life Insurance | Severe Disability Insurance | Critical Illness Insurance | |
|---|---|---|---|
| What it’s for | Financial security for your loved ones if you die | Helping you and your family cope if you can no longer work | Financial support during treatment and recovery from a serious illness |
| What risk it covers | Death due to illness or an accident | Permanent loss of ability to work due to illness or an accident | Diagnosis of a serious illness (covers 41 illnesses) |
| When the payout is made | In the event of death | When permanent disability is confirmed | After the initial diagnosis is confirmed |
| Type of payout | One-off lump sum | One-off lump sum | One-off lump sum |
| Who receives the payout | The people you choose | You (the insured person) | You (the insured person) |
| What it can help cover | Living costs, loans, family expenses | Living costs, loans, replacing lost income | Treatment, recovery, medicines, private healthcare, support equipment |
| Covers both illness and accidents | Yes | Yes | Yes |
| Where it applies | 24/7, worldwide | 24/7, worldwide | 24/7, worldwide |
| When cover starts | From the day after the policy is issued | From the day after the policy is issued | From the day after the policy is issued |
| Cover for children | – | – | Yes (up to 3 children, 22 illnesses) |
| Doesn’t reduce other payouts | No — if the life insurance benefit is paid out, the other cover options end | Yes — the life insurance policy and critical illness cover remain valid | Yes — the life insurance policy and disability cover add-on remain valid |
| A healthy lifestyle affects the price | Yes | Yes | Yes |
| Suitable as an alternative to loan insurance | Yes | Yes | Yes |
| Insurer | Compensa Life Vienna Insurance Group SE, an experienced European insurer. | Compensa Life Vienna Insurance Group SE, an experienced European insurer. | Compensa Life Vienna Insurance Group SE, an experienced European insurer. |
Assessing the impact of your health habits
Based on your answers about your health habits, we calculate your personal Lyfery Lifestyle Score. This score affects the price of your life insurance — and it also determines the health dividends you can receive.
In simple terms, it’s an annual discount. You can influence how big it is by improving your lifestyle choices, and you can update it once a year.
The Lyfery Lifestyle Score - fair, science-based, and genuinely useful
The Lifestyle Score is designed to help you understand your habits and see how they affect both the length and quality of your life — as well as the price of your life insurance.
It’s made up of seven parts, each backed by research and directly linked to risk calculations.
The model was developed by Dr Taavi Tillmann, Associate Professor of Public Health at the University of Tartu and Lyfery’s lead researcher, together with Veikko Talmak, former Chief Actuary at Swedbank. Their work makes personalised pricing possible in life insurance.
What the Lifestyle Score focuses on
The Lifestyle Score looks only at the most important health factors — the ones you can actually change.
It’s designed so you don’t need lab tests or complicated measurements.
Genetics, family medical history, and other non-changeable risks are not included, because you can’t improve them yourself.
Instead, the Lifestyle Score focuses on what you can take action on.
Partner solutions for Lyfery customers
Lyfery isn’t just a life insurance provider. Our goal is to make peace of mind and a healthy lifestyle simple and convenient. That’s why we also offer extra value through our partners — available to you once you have an active Lyfery life insurance policy. To use these benefits, contact [email protected].
HeBA Year-Round Health Audit
If you’d like to keep an eye on your health throughout the year, the HeBA Health Audit could be a good fit. It includes three strategically timed blood tests. Because your health changes over time, it’s more useful to track key markers across the year — not just at one moment.
After each test, a doctor creates a personalised health plan with practical recommendations to help you stay healthier and see how lifestyle changes are affecting you.
Blood samples can be taken at the HeBA clinic or at a Synlab service point. Service provider: HeBA Clinic.
Discover Garmin sport and activity devices — 15% off
Garmin is one of the world’s leading makers of sport and activity devices. Now Lyfery and Garmin have teamed up to help you get top devices for less. As a Lyfery customer, you can choose from nearly 50 Garmin models and get 15% off.
Let us know if you’re interested, and we’ll send you a personal discount code so you can view the offer and pick the model that suits you best.
Special offers from Seesam — up to 25% off
Lyfery customers can get Seesam accident and home insurance at a lower price:
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Accident insurance up to 25% off (15% online store discount + an extra 10% for Lyfery customers)
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Home insurance up to 20% off (10% online store discount + an extra 10% for Lyfery customers)
Important: Lyfery does not provide advice or act as an intermediary. This is a special offer from Seesam for our customers. Seesam and Compensa are part of Vienna Insurance Group.
