Can Insurance Make You Younger?

Can insurance actually help you live longer — even feel younger? In this video, we explore how the world of insurance is evolving from passive risk coverage to proactive health engagement. Drawing on recent trends around biological age, wearable data, and behavioral nudges, the video challenges the outdated assumptions behind how insurance evaluates health. Instead of pricing policies based on age or BMI, we discuss how sleep quality, heart rate variability, and lifestyle habits can now drive personalized insurance models. We look at how insurers are already turning movement and mindfulness into “health currency,” and how actuaries can help quantify these metrics in a credible, data-driven way. If done right, insurance could become a catalyst for healthier behavior, longer lives, and better risk outcomes — for everyone.