Life insurance reimagined
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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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.
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).
Individuals can manage and transact their policy digitally, in real-time, giving them total control of their coverage.
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.
Adaptive Life™ from Certua can be embedded into any digital platform, providing businesses with the chance to support the financial resilience of their customers.
Insurers benefit by offering Adaptive Life™ because improved data and visibility throughout the policy lifecycle allows them to support the consumer better.
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.
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).
Manage and transact your policy in real-time through our online service, giving you total control of your coverage.
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.
Adaptive Life™ from Certua can be embedded into any digital platform, providing businesses with the chance to support the financial resilience of their customers.
Insurers benefit by offering Adaptive Life™ because improved data and visibility throughout the policy lifecycle allows them to support the consumer better.
Life insurance reimagined
It takes a couple of minutes
Game-changing coverage
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
Game-changing coverage
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
Game-changing coverage
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
Game-changing coverage
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
Game-changing coverage
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
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.