Athlete

Life insurance where your fitness level determines your premium

Underwriting & Risk

Overview

Athlete Life is a direct-to-consumer life insurance carrier incorporated in England and Wales (company number 15884396), headquartered in Harrogate, UK. The carrier issues term life insurance policies where monthly premiums are tied directly to the policyholder's quarterly fitness assessment results, rewarding consistent exercise with lower costs and cashback on premiums.

The carrier operates a proprietary mobile application -- the Athlete app -- through which policyholders complete quarterly fitness assessments covering VO2 max measurement, muscular strength testing, and health knowledge questions. Each assessment produces an "Athlete Level" score that determines the policyholder's premium tier and cashback percentage for that quarter. Cashback ranges from 5% to 50% of the monthly premium, calculated and paid each quarter throughout the life of the policy. The underwriting rationale draws on longevity research linking regular exercise with measurably longer life expectancy, providing an actuarial basis for fitness as a rating variable.

Athlete Life operates in partnership with Cover Direct Ltd, an FCA-authorized independent insurance advisor (FCA registration 785970), which provides customers access to advice across a range of UK insurers. The company was at the startup stage as of 2025-2026 with no publicly disclosed external funding.

Products & Services

Athlete Life Insurance

Term life insurance product where monthly premiums are linked to the policyholder's quarterly Athlete Level fitness score. Policyholders complete assessments via the Athlete app covering VO2 max, strength testing, and health knowledge. Cashback ranges from 5% to 50% of the monthly premium depending on fitness score, calculated quarterly and paid throughout the policy duration.

Athlete App

Mobile application used for quarterly fitness assessments, tracking progress toward longevity goals, and delivering science-based training recommendations. The app generates an Athlete Level score each quarter, which feeds directly into the policyholder's premium and cashback calculation. Longevity estimation and goal-setting tools are included.

Insurance Advice (via Cover Direct)

Independent insurance advisory service provided through partner Cover Direct Ltd (FCA registration 785970). Offers free advice with no obligation to purchase, covering a range of UK insurers. Process includes an online intake followed by an optional advisor consultation.