Insurance Solutions
Every policy is informed by AI-assessed health data. No guesswork — just the right coverage at the right price, matched to your unique profile.
🔬 Get My AI Health ProfileHealth Estimation Engine
Our computer vision models analyse a single photo to deliver a multi-dimensional health profile — the foundation of intelligent underwriting.
TensorFlow CNN estimates BMI from facial geometry. Strongly correlated with cardiovascular risk, diabetes, and mortality.
Caffe-based age network provides accurate age estimates, enabling age-appropriate risk banding and premium calculation.
ONNX-optimised gender model with >95% accuracy, informing sex-differentiated actuarial tables and life expectancy baselines.
PyTorch ResNet with face segmentation analyses skin microstructure patterns to detect chronic tobacco use — a primary underwriting variable.
Parallel AI Processing
All four models run simultaneously using async inference — delivering your complete health profile in under 3 seconds on CPU hardware.
Life Expectancy Prediction
Our actuarial model fuses AI-detected health signals with WHO demographic data to calculate a personalised life expectancy estimate.
WHO Baseline
Gender-specific global life expectancy baselines drawn from WHO Global Health Observatory data, updated annually.
BMI Adjustment
BMI is one of the strongest predictors of longevity. Our model applies evidence-based adjustments from −13 years (severe obesity) to +1 year (optimal BMI).
Smoking Adjustment
Smoking is the single largest modifiable risk factor for premature death. CDC data supports a −10 year adjustment for active smokers.
Risk Score
A composite 0–100 actuarial risk score combining BMI, smoking, and age factors — directly mapped to insurance premium bands.
Our Coverage Plans
AI-recommended coverage starting with your health profile. Every product is priced fairly based on real risk data.
Term Life Insurance
Guaranteed fixed-term life cover with a tax-free lump sum paid to your beneficiaries. Choose terms of 10, 20, or 30 years.
- Coverage from $100K to $5M
- Level or decreasing premiums
- No medical exam for qualifying profiles
- Terminal illness accelerated benefit
- AI-driven risk-based pricing
Whole Life Insurance
Permanent life coverage that never expires, combined with a guaranteed cash value component that grows tax-deferred over time.
- Lifetime guaranteed death benefit
- Cash value accumulation
- Policy loan options
- Dividend participation plan
- Estate planning integration
Comprehensive Health Plan
All-inclusive private medical cover for you and your family — from GP visits to specialist consultations and hospital stays.
- Unlimited GP & specialist access
- Diagnostic imaging & laboratory tests
- Inpatient & day surgery
- Mental health coverage
- Worldwide emergency cover
Critical Illness Cover
A tax-free lump sum paid upon diagnosis of over 50 serious conditions including cancer, heart attack, stroke, and organ failure.
- 50+ covered conditions
- Payout from $50K to $1M
- Children's cover included
- Partial payment for less severe diagnoses
- Premium waiver on serious illness
Income Protection
Replace up to 70% of your gross income if illness or injury prevents you from working. Covers short and long-term incapacity.
- Up to 70% of pre-disability income
- Deferred periods from 4 weeks
- Payable to retirement age
- Own-occupation definition
- Rehabilitation support services
Wellness & Prevention
Proactive health management with annual checkups, health coaching, gym memberships, and mental wellbeing support.
- Annual comprehensive health screen
- Gym & fitness membership subsidy
- Mental health therapy sessions
- Nutritionist consultations
- Wearable health device integration
Why AI Underwriting?
Traditional underwriting takes days or weeks. Our AI delivers a complete risk profile in seconds.
Risk is priced on objective AI data, not blunt actuarial bands. Healthy individuals pay less.
Images are processed in-memory and never stored permanently. GDPR compliant end-to-end.
Models are retrained quarterly on new data, improving accuracy and expanding detection capabilities.
Find Your Perfect Plan
Let our AI analyse your health profile and match you with the right coverage — no paperwork, no waiting.
🔬 Start Free AI Analysis