YuLife has always believed that insurance should be more than a safety net—it should be a partner in helping people live their best lives every day. Today, we’re proud to unveil our latest innovation: Preventative AI, a groundbreaking technology that brings together real-time health data, behavioural science, and dynamic engagement to reshape how risk is understood, managed, and improved.“The idea of wellbeing every day for everyone is a profound shift in how we think about health, happiness, and insurance,” says YuLife CEO Sammy Rubin. “Preventative AI embodies that shift. It doesn’t just help people when things go wrong—it helps them stay well in the first place.”What is Preventative AI?Preventative AI is YuLife’s proprietary platform designed to continuously analyse a wide range of health and behavioural data to identify potential risks early and recommend personalised interventions. By connecting biometric tracking with our scientifically backed, gamified wellbeing platform, it enables users to make small daily changes that can have a significant long-term impact.Unlike traditional insurance models that assess risk at a single point in time, Preventative AI offers real-time, adaptive risk modelling that evolves with each user’s lifestyle. This means more accurate predictions, earlier interventions, and a more human-centred approach to both health and insurance.From research to real resultsPreventative AI was developed by YuLife and our proposed risk models and claims cost reduction are already validated by our academic study with the University of Essex, which leveraged anonymised data from 25,000 YuLife members over a 150-day period. The findings? Higher engagement with our app's gamified features led to increased daily steps and improved health outcomes.“What surprised us most was the causal sequence,” says John Ronayne, Chief Data Scientist at YuLife. “In some individuals, we observed that engaging with gamified meditation features first improved mental health markers, such as resilience and stress levels, which then led to increased physical activity. It wasn’t just correlation—we could track the flow of improvement.”This isn’t just a feel-good story. Early modelling suggests Preventative AI could reduce expected claims costs by up to £280 per policyholder annually, compared to standard underwriting approaches, while providing richer, more accurate data to insurers and employers.Why it mattersPreventative AI is more than a technical upgrade; it’s a philosophical one. Traditional insurance waits for problems to occur. Preventative AI helps stop them before they start. It empowers individuals to take control of their health while giving insurers and employers the tools to support them, intelligently and ethically.“Gamification gives you the ability to peer into the future,” John adds. “Because we understand how someone behaves in the app, we can model not just their health today, but how likely they are to maintain positive habits in the long run.”Preventative AI also helps tackle less visible wellbeing challenges, such as burnout, by detecting early warning signs that might otherwise go unnoticed. Instead of relying solely on self-reported surveys, which can be skewed by low participation or social stigma, John explains that YuLife’s models analyse behavioural patterns such as disrupted sleep, declining engagement with wellbeing activities, and mood shifts. By training our AI on these indicators, YuLife can proactively flag at-risk individuals in your organisation and surface anonymised insights for employers, enabling you to intervene early and support your workforce more effectively. This holistic, data-driven view of wellbeing ensures companies are anticipating and preventing problems at source, rather than just reacting to them.Embedding wellbeing into everyday lifeAt YuLife, we believe wellbeing should be a lifestyle, not an event. It’s not just something you schedule, like an annual check-up or a one-off yoga class. It’s built through everyday actions: walking to work, taking a mindful breath, connecting with your team.That’s why Preventative AI also works seamlessly with YuLife’s rewards system. Whether it's walking more, sleeping better, or reducing screen time, members are nudged towards healthier behaviours and rewarded with YuCoin that can be spent on everything from coffee to charitable donations.For insurers, employers, and everyonePreventative AI is designed to align the interests of all stakeholders:For individuals: It offers tailored insights and incentives that make wellbeing feel accessible and achievable.For businesses: It provides data-driven insights into team wellbeing, helping you predict absenteeism and reduce healthcare costs.For insurers: It enables more precise, dynamic underwriting based on real-time risk profiles.“YuLife is redefining what it means to be an insurance company,” Sammy says. “We’re not just a safety net—we’re a springboard. With Preventative AI, we’re helping people take control of their health, supported by their employer, their insurer, and their community.”