Enrich your client app with aging trajectory intelligence.
API-first integration for pension funds, life insurers, and retirement-planning platforms. PensionPulse is an intelligence layer beneath your product — not a competitor for the customer's attention.
Actuarial. Experiential. Different decision-makers, different framings.
The integration delivers value across two parallel narratives. Risk and product teams respond to one; CX and digital teams respond to the other. Most providers will recognise both.
Cohort segmentation finer than chronological age
Personalised BAA input adds a dimension to actuarial cohort segmentation grounded in evidence rather than survey data.
Long-tail liability transparency
Trajectory data makes long-tail exposure to averaged assumptions more transparent.
Personalisation lever
A new lever for reserve calculations, payout schedules, and pricing tiers — without replacing existing actuarial work.
Move beyond balances and projections
Provider apps that show only balances and projections compete with every other provider app that does the same.
Engagement loop drives retention
Client retention follows from engagement; engagement follows from offering something the client wants to know.
ESG-aligned narrative
Investment in clients' long-term well-being reinforces a brand position consistent with ESG reporting (UN SDG 3).
Today, pension economics work best when clients match averages.
Actuarial assumptions, reserve calculations, and product pricing are built around a population average. Clients living substantially longer is a long-tail risk to be managed. Clients living substantially shorter is a relief that reserves were sufficient.
Genuine alignment of interest — where the provider materially benefits when their clients live longer and healthier lives — is largely absent from current pension models.
We propose a different alignment is possible. A provider whose offering helps clients understand and improve their physiological trajectory gains client engagement, retention, and an ESG-aligned narrative. The client gains agency over their health and over the financial decisions that depend on it. The structural divergence narrows.
API-first. Your brand, your experience, our intelligence beneath.
API endpoints
Your app calls our endpoints. Indicators, signals, and projections are returned and incorporated into your own user experience. You choose what to surface and how.
GET /v1/users/{id}/indicators
{
"biological_age_years": 61.0,
"aging_speed_years": 4.0,
"aging_speed_trend_30d": "improving",
"confidence": "high"
} Optional UI components
For providers seeking to accelerate integration. Adopt our components to reduce time-to-market, or embed only the data and build your own UI. Different providers choose different depths.
Built for regulated counterparties.
Where you operate in a jurisdiction with strict data-residency requirements, the integration is structured so user data does not leave the regulated perimeter. Architecture details belong to a contractual conversation; the principle is that the channel is friendly to regulated operations.
Six peer-reviewed publications. External third-party citation.
Independent review confirms locomotor activity as one of the most validated, lowest-cost, and most generalisable digital biomarker classes.
BAA from wearables matches sensitivity of blood-based clocks (PhenoAge, DOSI) on UK Biobank and NHANES.
Foundational paper. Locomotor activity records predict frailty, mortality, and remaining healthspan.
Bulk licensing + metering above an included MAU threshold.
Predictable base fee per provider, combined with metering on monthly active users above an included threshold. Onboarding is contracted and supported.
Start the integration conversation.
Provider integrations are contracted relationships, supported through onboarding. Reach out and we'll discuss data residency, scope, and timelines.