NEW

Life insurance reimagined

Adaptive Life™

Dynamic data powers this new form of life insurance, providing coverage that automatically updates in line with your customers’ changing financial and personal circumstances.

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The future

An alternative life insurance product personalised to the consumer. Because Adaptive Life™ is powered by open data, it updates in real-time to reflect an individual’s changing needs and financial goals.

Pay right

Consumers will never overpay again for an insurance policy that is not fit for purpose. An individual’s sum assured is updated in line with their changing personal circumstances automatically. Consumers can set and forget (or take control if needs be).

Total control

Individuals can manage and transact their policy digitally, in real-time, giving them total control of their coverage.

For consumers

Adaptive Life™ insurance is designed for anyone and everyone who needs financial support should they become unwell, or to support beneficiaries in the event of their death.

For digital platforms

Adaptive Life™ from Certua can be embedded into any digital platform, providing businesses with the chance to support the financial resilience of their customers.

For insurers

Insurers benefit by offering Adaptive Life™ because improved data and visibility throughout the policy lifecycle allows them to support the consumer better.

The future

An alternative life insurance product personalised to you. Because Adaptive Life™ is powered by your data, it updates in real-time to reflect your needs and financial goals.

Pay right

Never overpay again for an insurance policy that is not fit for purpose. Your sum assured is updated in line with your changing personal circumstances automatically. Set and forget (or take control if you want to).

Total control

Manage and transact your policy in real-time through our online service, giving you total control of your coverage.

For consumers

Adaptive Life™ insurance is designed for anyone and everyone who needs financial support should they become unwell, or to support beneficiaries in the event of their death.

For digital platforms

Adaptive Life™ from Certua can be embedded into any digital platform, providing businesses with the chance to support the financial resilience of their customers.

For insurers

Insurers benefit by offering Adaptive Life™ because improved data and visibility throughout the policy lifecycle allows them to support the consumer better.

NEW

Life insurance reimagined

How Adaptive Life™ is changing the insurance game.

Never overpay

In a traditional life insurance policy the individual ‘overpays’ in the initial years to compensate for increased risk as the policy reaches maturity. Not with Adaptive Life™ - The individual only pays for the coverage they need in the moment they are in.

01

Don’t wait

Historically, a traditional life insurance company requires a lengthy, intrusive medical examination and interview before selling a product. Not with Adaptive Life™ - an individual can buy and administer their policy quickly and easily online via your app or digital platform. 

02

Sum always assured

The standard fixed-term life insurance policy is very hard to adjust or amend. Adaptive Life™ is different because it is powered by an individual’s data. This means it automatically adapts their sum assured in line with their changing personal and financial circumstances.

03

Certua is regulated by the FCA, and uses the latest technology in protecting its customers and their data.

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It takes a couple of minutes

NEW

Game-changing coverage

Personal wealth

Your customer’s wealth management platforms hold a range of data regarding their finances and assets. This information can be used by Adaptive Life™ to determine a sum assured, which automatically updates in real-time to provide the necessary cover as your customer’s financial portfolio evolves over time.

The product’s sum assured is equivalent to the difference between the highest ever value of your customer’s total wealth portfolio, and the final value of that portfolio at death

The insurance is customsiable, allowing your clients to top up their coverage to an agreed amount

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COMING SOON

Game-changing coverage

Mortgage and debt

Mortgage platforms hold information regarding your customers’ outstanding mortgage balance, along with the details of historic and real-time repayment data. This can be used to inform a range of Adaptive Life™ features, that include a traditional decreasing term product as well as a more sophisticated negative equity offering.

In its simplest format, the insurance’s sum assured decreases in line with the customer’s mortgage balance, in real-time and in sync with their repayments

An advanced form of the product in which the sum assured is equivalent to the difference between the value of the customer’s property and the customer’s outstanding mortgage balance, in the event that the value of the property does not cover the outstanding mortgage

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NEW

Game-changing coverage

Income and expenditure

The majority of retail banks and personal financial management platforms hold the bank account details and transaction data of your clients. This data can be leveraged in real-time on a daily basis to ensure income and expenditure coverage is current at all times.

The sum assured is equivalent to the value of an individual’s outstanding debts (excluding their mortgage), and determined dynamically in real-time based on the data and credit reference information held by their bank

A fixed income benefit product where the sum assured is equivalent to the value of an individual’s monthly salary determined dynamically, and based on the individual’s employee information

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COMING SOON

Game-changing coverage

Workplace

The information held by your client’s employers with regards to their income can be used to provide accurate coverage and protect your customers against unforeseen circumstances should their employment status become at risk.

This feature of Certua’s insurance protects your client’s salary, tracking their income in real-time and offering adequate coverage in the event of unexpected events, such as redundancy

A healthy pension pot is of increasing significance in this age, and protecting its development is critical. The sum assured is the difference between the highest and lowest percentage contribution to the fund

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NEW

Game-changing coverage

Utilities

A topical subject, and a policy feature that uses the information held by utility companies about your customers and their forecasted bills. This combined with account data provided via open banking records provides the foundation for data-linked bill protection.

Here, the sum assured is equivalent to the value of your customer’s monthly bills, which is determined dynamically in real-time, and based on information provided by an individual’s utility company

Find out more

FAQ

How much does an Adaptive Life™ policy cost?

As with any insurance policy, that will depend on an individual’s circumstances and the amount of coverage they require. Register your interest to find out more, and be one of the first to offer an Adaptive Life™ product to your customers.

How easy is it to buy and set up an Adaptive Life™ policy?

It takes just a few minutes to buy (and set up) an Adaptive Life™ policy. With multiple options or digital journey integrations and design, it is extremely easy to offer a user the ability to administer and customise their policy in real-time within your app.

I run a business with a digital platform and would like to know how to integrate Adaptive Life™ into my offering. Where do I start?

There are various ways in which Certua can integrate Adaptive Life™ into your business, including as a white label product or via API. Get in touch to find out more.

Life insurance

© Certua Group Limited 2022

Certua Protect Limited is authorised and regulated by the Financial Conduct Authority and is entered on the Financial Services Register(Firm Reference Number 826485). Company number 10649821. Registered office: 1stFloor, Healthaid House, Marlborough Hill, Harrow, Middlesex, HA1 1UD.

Certua Financial Information Services Limited is regulated by the UK Financial Conduct Authority under the Payment Services Regulations 2017as an Authorised Payment Institution to provide account information services(Firm Reference Number: 834554). Company number 11506180.Registered office: 1st Floor, Healthaid House, Marlborough Hill, Harrow, Middlesex, HA1 1UD.