Lyfery Services
Our services help you secure financial peace of mind for yourself and your loved ones – for the situations we cannot predict, but can prepare for.
All Lyfery products share a unique lifestyle-based approach – we’re the only insurance platform in Estonia that factors your health choices into pricing and helps you improve them, too.
Lyfery Life Insurance
Create financial security for your loved ones, even if you and your income are no longer there.
Protection against unexpected loss – the insurance covers death caused by both illness and accident.
Financial support for your loved ones – in the event of death, the insured sum is paid to the beneficiaries you choose.
An alternative to loan insurance – suitable for covering financial obligations if you have or plan to take out loans.
Immediate coverage – your protection starts the very next day, worldwide and 24/7.
Lower price for a healthy lifestyle – Lyfery policies factor in your health habits and reward you with reduced premiums.
Trusted partner – the service is provided by Compensa Life Vienna Insurance Group SE, an experienced European insurer.
Severe Disability Insurance
Create financial security for your loved ones, even if you’re no longer able to work.
Protection against unexpected loss – the insurance covers death caused by both illness and accident.
Peace of mind – a one-time payout helps you maintain financial stability and cover living expenses if you lose the ability to work due to illness or injury.
Covers both illness and accident – valid in cases of permanent disability, regardless of the cause.
Support in addition to life insurance – the disability benefit does not reduce your life insurance sum or affect other payouts.
Health impacts the price – with Lyfery, your lifestyle choices are factored into pricing, making your life insurance premium lower.
An alternative to loan insurance – ideal for covering financial obligations if you have a loan or plan to take one.
Detect Your Health Risks Early
A 360-degree personalized health audit that takes your age and gender into account.
- Includes a comprehensive questionnaire and a blood test covering 16 indicators
- Results are presented in clear, easy-to-understand language and format
- Depending on the results, a follow-up audit may take place after 6 months
- Blood samples can be taken either at HeBA Clinic or Synlab service points
- Service provider: HeBA
Evaluating the effect of one’s health behaviour
Based on your health behavior answers, your personal Lyfery lifestyle score will be calculated, which will affect the price of your life insurance and you will be paid health dividends accordingly. In essence, it is an annual discount, the size of which depends on your Lyfery lifestyle score.
Lyfery Seminar – Security in Life and Health
Lyfery believes that life insurance should support life – not only losses. That means being present where people truly live and spend their time. Work is often the place where stress builds up, burnout quietly creeps in, and people don’t always know how to help themselves.
Through our health program, we bring professional and practical support directly into everyday environments – so no one has to face their struggles alone, and help is always within reach.
Why do we show up?
Lyfery believes that life insurance should support life – not only losses.
Through our health program, we bring professional and practical support directly into everyday environments – so no one has to face their struggles alone, and help is always within reach.
Silver Ratnik – Preventive Medicine Physician
Dr. Silver combines health behavior, psychology, and real corporate experience – spanning everything from leadership to burnout.
His lectures take the form of real-life conversations, rooted in science and enriched by personal experience.
Lyfery Lifestyle Score – fair, science-based, and practical
The Lifestyle Score is designed to help you better understand your habits and see how they affect your life expectancy, quality of life, and the cost of life insurance. The score consists of seven components, each scientifically linked to risk calculation.
Behind it are Dr. Taavi Tillmann, Associate Professor of Public Health at the University of Tartu and Lyfery’s Chief Scientific Officer, together with Veikko Talmak, former Chief Actuary at Swedbank and Lyfery’s CFO, who developed a model that makes personalized pricing possible in life insurance.
Factors that influence the Lifestyle Score
The Lifestyle Score focuses only on the most important and modifiable health factors.
The score is designed so that its calculation doesn’t require lab tests or complex metrics.
Genetics, family medical history, or other unchangeable risks are not included, since you can’t improve them yourself. The Lifestyle Score focuses only on what you can take action on.
Lyfery Business Model
The primary barrier preventing the life insurance industry from creating new value lies in the fact that profits stemming from unrealized risks are not shared with customers. Lyfery will now begin revealing to its customers their risk price, and the profits resulting from reduced risk will be redirected to those customers who genuinely contribute to minimizing risks through their health behaviour.
Based on the principle of openness, we offer the most transparent pricing on the market – including showing exactly how much Lyfery itself earns.
Consists of three parts, 3 euros + 0.006% of the sum insured + 50% of the monthly premium. For a contract with a life insurance sum of 100,000 euros and a 40-year-old person, this is 12.71 euros per month (20.20 euros if additional insurance for lost work capacity has also been taken out)
Read where we invest the agent fee
The majority of the fee will be invested in developing tools to measure customers' health behaviour, enabling us to offer even better pricing and provide valuable insights.
We are continuously enhancing our digital-first service so you can manage everything from your screen.
We are committed to providing you with top-tier services and solutions that effectively minimize health risks.
Additionally, we prioritize work in the fields of data protection and digital security, recognizing these as crucial components of modern digital services.
