YuLife, a UK-based InsurTech firm, has launched Preventative AI, a new technology designed to revolutionise underwriting and risk management by integrating real-time health data and predictive analytics.
The launch addresses a long-standing issue in the insurance industry, the inability to leverage real-time data for underwriting accuracy, according to FF News.
Preventative AI aims to replace static, backward-looking risk models with dynamic, personalised risk intelligence, shifting insurers’ approach from reactive risk assessment to proactive risk mitigation.
YuLife’s Preventative AI integrates cutting-edge technologies—biometric computing, machine learning, explainable AI, and causal inference—to provide multi-modal, real-time insights into policyholder health.
It captures streaming biometric data from wearables and IoT devices, applies reinforcement learning to tailor engagement strategies, and operates within a federated learning framework to preserve data privacy while scaling across populations.
This technology supports early detection of health risks using signals such as heart rate variability, sleep cycles, movement patterns, and mental wellbeing indicators.
Upon identifying potential risks, Preventative AI offers tailored interventions including lifestyle recommendations, mental health support, and access to services like virtual GPs, EAPs, and NHS programmes.
Preventative AI aligns with the UK Government’s commitment to proactive healthcare. It promotes healthier behaviours, helping reduce NHS waiting lists while enabling insurers to offer more competitive pricing models.
The solution is built on a validated engagement-to-outcome cycle—improving policyholder health, enhancing underwriting accuracy, and cutting claims costs.
Evidence supporting the solution’s impact comes from YuLife’s collaboration with the University of Essex and Innovate UK, which demonstrated a direct link between increased engagement with wellbeing tools and reduced health risk.
These findings underscore the potential of Preventative AI to reshape underwriting practices and enhance retention through a more interactive insurance experience.
Jules Constantinou, regional manager: UK and Ireland at Gen Re Life UK, said, “The findings from YuLife’s study with the University of Essex and Innovate UK highlight an exciting evolution in how we think about workplace wellbeing and insurance risk. From a reinsurer’s perspective, the exploration of preventative behaviours and dynamic incentives offers promising signals for the future of group insurance—particularly in how we assess, engage with, and reduce long-term health risks. It’s encouraging to see how YuLife is innovating in this space grounded in real-world data and academic rigour.”
YuLife lead data scientist John Ronayne said, “This isn’t just AI on top of insurance, it’s a fundamental rebuild of the stack. We’ve designed an adaptive risk engine that continuously learns, engages, and optimises, which delivers value to users and underwriters in real time.
“We’ve trained our models on thousands of behavioural signals to answer a core question: what makes people stick with wellbeing habits? The result is an AI engine that doesn’t just understand risk – it reshapes it.”
YuLife founder and CEO Sammy Rubin said, “We’re building a system that doesn’t just help individuals live healthier lives, but also provides insurers with a more accurate, dynamic way to manage risk. By continuously monitoring engagement and health data, Preventative AI enables smarter underwriting decisions, more sustainable pricing models, and ultimately, lower claims costs.”
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