Industry Focus
Epigenetic Testing for Insurance
Epigenetic testing empowers insurers and policyholders alike —
enabling precision health underwriting, personalized products,
and healthier customers at scale.
Why epigenetic testing?
Unparalleled predictive power for insurance
Unlike traditional health screenings, epigenetic tests reveal biological age, disease risk,
and lifestyle factors with a precision that no prior technology has offered insurers.
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Unmatched predictive power
Epigenetic tests produce robust estimates of biological age, smoking and drinking status, and other factors critical to underwriting — without raising clinical concerns. They identify cardiovascular, diabetes, and cancer risk long before symptoms appear.
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Personalized insurance plans
Epigenetic testing enables tailoring of insurance plans to the specific health profile of each policyholder. Coverage aligned with individual risk enhances customer satisfaction, loyalty, and retention.
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Empowerment through knowledge
Giving policyholders a window into their biological age motivates healthier behaviors. Just as a weight scale motivates dieting, an epigenetic test showing “old for age” spurs action — a win for both insurer and customer.
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Cost-effective risk management
Better identification of high-risk individuals leads to more accurate pricing, reduced adverse selection, and optimized capital allocation. Integrating epigenetics can also simplify and speed the underwriting process — and reduce fraud.
Business outcomes
What insurers gain
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Healthier policyholders
Epigenetic testing motivates customers to improve their biological age — creating a genuine win for both insurer and policyholder.
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Stronger customer relationships
Helping policyholders understand and improve their health creates new product opportunities and builds lasting loyalty.
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Better, faster underwriting
Price individual risk with biological precision (not just age, gender, and BMI) using simple, efficient saliva tests.
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Reduced fraud
Biological markers are harder to misrepresent than self-reported health history.
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Competitive differentiation
Insurers who adopt epigenetic testing first will define the market — not follow it.
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Richer long-term data
Periodic retesting builds proprietary health datasets that improve products over time.
Our approach
A proven panel of epigenetic tests
Human Life Expectancy Inc. has pioneered the application of epigenetic testing for insurance, developing a robust panel of tests. Our tests analyze DNA methylation modifications influenced by environmental factors, lifestyle choices, and genetic predispositions.
Epigenetic Health Assessments
Comprehensive risk evaluation based on epigenetic markers and lifestyle factors.
Disease-Specific Risk Analysis
Targeted assessments for cardiovascular, diabetes, cancer risk, and more.
Personalized Health Recommendations
Actionable insights that motivate policyholders to improve their biological age.
Long-Term Health Monitoring
Periodic retesting to track progress and focus on the highest-impact interventions.
Let's bring precision health to your policyholders
Together, we can forge a future where precision health and insurance
work hand in hand to create a healthier, more secure society