Longer policy revenue
Healthier policyholders live longer — paying premiums over extended periods before any claim is triggered.
For life and health insurers alike: reward policyholders who prove they're meeting fitness goals, reduce claim frequency and extend healthy lifespans. We provide verified proof of exercise — hard data, not estimates.
These are two very different target markets, so IP2X makes a different case to each. Two health metrics used by UK public bodies frame both: Healthy Life Expectancy (HLE), used to assess the nation's health and the demands on health services, and Quality Adjusted Life Years (QALYs), used to help decide whether medical interventions should be funded by the NHS.
Healthier policyholders live longer — paying premiums over extended periods before any claim is triggered.
Industry data points to materially lower mortality risk among consistently active members across all age groups.
Wellness products attract a healthier cohort of applicants — a natural screening for preferred rates, and higher Healthy Life Expectancy across your book.
Reduces the frequency and timing of health claims. Healthier lifestyles delay the onset of chronic disease.
Chronic diseases account for the majority of global deaths — but are largely preventable with consistent exercise.
Every healthy year added is a Quality Adjusted Life Year (QALY) — gained at a fraction of the cost of most medical interventions.
Every insurer wants evidence. IP2X gives you verified, auditable exercise data — never self-reported estimates — so you can price, reward and report with confidence.
By inviting your policyholders to earn discounts using an IP2X plan, you align your clients' interests with yours. Healthier customers use fewer high-cost services and have increased longevity — so risk falls on both sides of the policy, and the saving is shared. A fitter insured population means fewer sudden, catastrophic medical events and a slower progression of chronic illness. Because claims are the largest component of any insurer's outgoings, a healthier risk pool directly improves your loss ratios — and your profitability.