Personalised financial products with feedback on healthy lifestyle.
Life & Health Metrics is the publisher of PensionPulse and the operator of the platform that combines validated biological-age science with personalised retirement-planning capability — delivered to consumers, financial advisors, and pension and insurance providers.
Close the gap between average assumptions and actual trajectories.
Two individuals born in the same year can differ in remaining healthspan by more than a decade. Planning that ignores this variance is planning against an average that hardly anyone actually is.
We give individuals tools to act on their own health rather than receive averaged judgements about it. We give financial advisors a richer angle for client conversations. And we give pension and insurance providers an intelligence layer that creates structural alignment between their economics and their clients' long-term well-being.
Our work contributes to UN Sustainable Development Goal 3 — ensuring healthy lives and promoting well-being for all ages.
A decade of building toward this.
PensionPulse is the consumer-facing product, but the science underneath is the result of ten years of methodical research and validation.
R&D begins
Decade-long research programme starts, focused on quantitative biological-age modelling from passive sensor data.
First peer-reviewed publications
Foundational papers in Aging and Frontiers in Genetics establish that step-count patterns alone are sufficient for a quantitative biological-age model.
Private pension fund pilot
First commercial pilot with a private pension fund. Validates provider interest in two integration shapes that later define the Stage 3 channel: API-level access to the indicators, and embedding them directly in a partner mobile application.
Global reinsurer pilot
Pilot with a global reinsurer confirms the actuarial value of the methodology — the peer-reviewed science demonstrably useful inside a regulated insurer's planning context, not only against academic biomarkers.
50,000+ activity tracks validated
Methodology refined and validated against the largest longitudinal locomotor-activity dataset assembled to date.
Top-5 InsurTech "to Watch"
Recognised as a Top-5 InsurTech startup "to Watch" by an industry programme. Independent validation that the actuarial framing has commercial traction.
Lancet Healthy Longevity validation
External, third-party review by the international Biomarkers of Aging Consortium independently confirms locomotor activity as one of the most validated digital-biomarker classes.
Pivot to retirement planning · MVP
Strategic pivot from insurance-only B2B to a three-stage commercialisation: direct-to-consumer, advisor white-label, and provider integration. PensionPulse MVP launches in beta.
Operating team.
The methodology is built on a decade of research by a broader scientific community. Our operating team focuses on translating that research into a usable product and on building the commercial relationships that take it to consumers, advisors, and providers.
Get in touch.
For partnership inquiries, evaluation of the platform for your organisation, or general questions: