YuLife launches Preventative AI for smarter risk assessment and lower insurance claims

YuLife Launches Preventative AI to Reduce Insurance Claims

YuLife, a UK-based InsurTech company, has introduced Preventative AI, a new solution set to improve underwriting accuracy and lower claims costs. This approach moves beyond traditional risk models by using real-time health data and encouraging positive behavioural changes.

Built with biometric computing, machine learning, and explainable AI, Preventative AI replaces static, backward-looking assessments with dynamic, predictive analytics. It collects biometric information from wearables and IoT devices, including heart rate variability and sleep patterns, to deliver highly personalised health insights.

How Preventative AI Works

• Utilises biometric data combined with reinforcement learning and federated data architecture.
• Detects early health risks and offers specific interventions such as mental health support and lifestyle coaching.
• Provides direct access to healthcare services based on individual risk signals.

This shift from reactive to proactive risk analysis supports NHS goals of prioritising preventative care and easing pressure on healthcare services.

Proven Impact and Industry Response

YuLife’s collaboration with the University of Essex has demonstrated a clear connection between digital engagement and reduced health risks. For insurers, this translates into fewer claims, more precise underwriting, and better policyholder loyalty.

Jules Constantinou, Regional Manager for UK and Ireland at Gen Re Life UK, commented on the study’s findings: “Exploring preventative behaviours and dynamic incentives offers promising signals for the future of group insurance—especially in assessing, engaging with, and lowering long-term health risks. It’s encouraging to see innovation grounded in real-world data and academic rigour.”

Inside YuLife’s AI Approach

John Ronayne, YuLife’s lead data scientist, explained that this is a fundamental rebuild of risk assessment technology: “Our adaptive risk engine continuously learns and optimises, delivering real-time value to both users and underwriters. We trained our models on thousands of behavioural signals to understand what keeps people committed to wellbeing habits. The result is an AI that doesn’t just assess risk—it reshapes it.”

Founder and CEO Sammy Rubin added, “Preventative AI helps people live healthier lives and gives insurers a dynamic way to manage risk. By monitoring health data continuously, the system supports smarter underwriting, sustainable pricing, and ultimately reduces claims costs.”

For insurance professionals, Preventative AI presents a clear opportunity to improve risk management by integrating health data and behavioural insights. This approach could lead to more accurate policies and stronger customer retention.

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