Life insutance

Life insurance re-imagined

Save costs for underwriting, engage users and mitigate portfolio risk.

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Our partners

Engagement, Retention, Growth

Why life insurers need YOU(th)

Current challenges

63% of sudden deaths from undetected heart issues

$245 average cost per medical check at underwriting

X% of checks prove medically unnecessary

0.1 touchpoints/ year with policyholders

<10% offer flexible premiums — 65% would switch

How YOU(th) helps

Scan 10+ organs and 50+ biomarkers

No additional visit — just a smartphone check

Adds data at the point of underwriting

Enables engagement beyond onboarding

Reward healthy behavior with new pricing models

Reduce payouts through healthier lives

ONE App for your clinic

Your key use cases

Use Case 1

Continuous digital health screenings

With regular smartphone-based scans, users build awareness, detect issues earlier, and stay engaged in their health journey.

Weekly or monthly scans with no extra hardware

Boosts early detection and health behavior change

Increases user loyalty and lowers long-term claim costs

Use Case 2

Underwriting Optimization

Biomarker scans help you cluster applicants and cut costs — without losing precision.

Adds real health data and increases decision capability

Reduces expensive doctor/nurse assessments

Improves portfolio quality and cost efficiency

Impact

Data of our clients

55%

estimated savings on medical checks

70%

early detection with measurable cost savings

65%

of users open to adaptable premium models

Testimonials

Trusted by our clients

We reduced the number of doctor checks at underwriting by X%

Carlos "C.J." Rodriguez

This product enables us to reward the ones who live healthy.

Isabella Rossi, MD

Finally – we can interact with our clients in a meaningful way

Dr. Kenji Tanaka, MD

The results of the check match what we see at the doctor – but in most cases, we can avoid it

Will Brosby, Head of Growth

Customization & Integration

Trust and brand identity are core to health insurance.

Your branding and color identity

Your customized services accessible from the app

Digital health check-up at the core

Personalized prevention programs integrated

Talk to an insurance expert

Curious how the smartphone-based screening works?

Learn more

Download our whitepapers

Learn how smartphone-based screenings can boost engagement and funnel the right users into the right programs.

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How does your technology work?

Face Video Analysis via Photoplethysmography (PPG): We use advanced AI algorithms to extract photoplethysmographic (PPG) signals from a video of a user’s face, captured via the camera of a smartphone or tablet. The smartphone camera records changes in the amount of light reflected and absorbed by the skin. These changes are linked, for example, to heartbeats: each time the heart pumps blood, the amount of blood in the vessels changes, altering the reflected light. This technology enables real-time measurement of vital signs such as heart rate, oxygen saturation, respiratory rate, blood pressure, and stress levels. Some relevant research:

Wroclaw University Report

Tison Lab @ UCSF

Voice Biomarker Analysis: We analyze short voice samples (30 seconds) recorded via a smartphone’s microphone to detect changes in mental, cognitive, and respiratory health. By analyzing vocal features such as tone and rhythm, our algorithm can identify signs of conditions such as depression, respiratory diseases, and cognitive decline. Some relevant research:

Development and Validation of a Respiratory-Responsive Vocal Biomarker

Noncontact spirometry with a webcam

External eye photo analysis: We use advanced AI algorithms to predict levels of systemic biomarkers such as glycated hemoglobin, cholesterol, eGFR, and more from external eye photos. Certain eye characteristics can be predictive of these biomarkers, such as the blood vessels concentration in the sclera and scleral coloration. Some relevant research:

A deep learning model for novel systemic biomarkers in photographs of the external eye: a retrospective study
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Do you have doctors in your team?

Yes. We have a medical advisory board of more than 5 members. Plus, we have doctors supporting in the creation of our product requirements.

Do you resell my data?

No. We do not sell our users’ health data. Privacy is one of our core values.

How accurate is YOU(th) Technology?

Here is the link to a table containing accuracy metrics for some of our key wellness biomarkers.

Is my data safe?

Yes. We received a GDPR audit and are complying with GDPR and other data protection best practices and rules.

Are YOU(th) biomarkers intended for diagnosis?

No. The YOU(th) app is a general wellness application intended to provide users with personalized recommendations, tools, and insights to support healthy lifestyle choices and general well-being. This device or software is intended for use only for general well-being purposes or to encourage or maintain a healthy lifestyle, and is not intended to be used for any medical purpose (such as the diagnosis, monitoring, management or treatment of any medical condition or disease). Please consult a physician for any medical advice required. The app’s content and functionalities are limited to general health improvement and do not involve any medical decision-making or intervention.