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 have markedly different remaining healthspans — the gap between calendar age and biological reality is large enough to reshape planning. Planning against an average is planning against someone who hardly exists.
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 mission contributes to UN Sustainable Development Goal 3 — healthy lives and well-being for all ages.
The content of this page has not been approved by the United Nations and does not reflect the views of the United Nations or its officials or Member States. Learn more at un.org/sustainabledevelopment.
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.
Named among InsurTech startups to watch
Listed by StartUs Insights (2021) among five InsurTech startups to watch. Independent visibility for the actuarial framing.
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.
What we won't do.
Five commitments that bound the product as deliberately as its capabilities define it.
- No. 01
No advice on your behalf.
The product surfaces information and shows how decisions reshape. The decisions remain yours — or your advisor's. We do not act on your behalf and do not issue recommendations.
- No. 02
No daily BioAge number.
We surface a 28-day rolling trend, not a daily figure. Day-to-day variance is noise; reporting it as signal trains the wrong behaviours and invites false-precision.
- No. 03
No engagement mechanics.
No streaks, no badges, no manufactured FOMO. Retirement planning is not a habit-tracking app. The product should earn its time, not extract it.
- No. 04
No selling your data.
Your data is not the product. We do not sell it, do not share it for advertising, and do not transfer it to third parties outside the operations we describe in the privacy notice.
- No. 05
No clinical claim.
BioAge is a wellness signal grounded in peer-reviewed research, not a medical diagnosis. The product is not a medical device and is not intended for the diagnosis, treatment, cure, or prevention of disease.
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: