We are building the first life insurance company to be powered by molecular biotechnology—and we are delivering the first life insurance policy whose key promise is to help keep its customers alive!
In fact, we are disrupting everything about the traditional life insurance model. Rather than focus solely on consumer death benefits, we are pioneering an innovative new suite of products and services focused on enhancing consumer health, wellness, and longevity with life insurance designed to keep you alive™.
Epigenetic technology can measure the same risk factors better than traditional underwriting methods. Our saliva-based biomarkers do what blood and urine specimen collection cannot—provide accurate profiles of current states of health, wellness, disease, and aging.
At FOXO Technologies, we are committed to developing a new underwriting protocol based on the science of epigenetics. As pioneers in this space, we are focused on leading the discovery, development, and integration of this technology into both a next-generation underwriting protocol and consumer engagement platform that uses epigenetic biomarkers to assess individual health and wellness.
Our Science – Epigenetic Clocks
Below are the Epigenetic Clocks developed by Dr. Steve Horvath, and exclusively licensed by FOXO for use in actuarial predictive modeling and underwriting in the financial services industry.
The Mortality Predictor EEAA estimates biological aging based on methylation patterns in humans. It was developed by assessing blood to predict all-cause mortality in 13 different cohorts for a total sample size of 13,089 individuals in different racial and ethnic groups. The Mortality Predictor EEAA was predictive of mortality (p≤8.2×10−9), independent of chronological age, even after adjusting for additional risk factors (p<5.4×10−4), race, and ethnicity (non-Hispanic whites, Hispanics, African Americans). Overall, the Mortality Predictor EEAA strengthened the evidence that epigenetic age predicts all-cause mortality above and beyond chronological age and traditional risk factors without regard to race or ethnicity.
PhenoAge is a new epigenetic biomarker of aging that strongly measures healthspan in regard to predictions for a variety of aging outcomes, including cancers, healthspan, physical functioning, and Alzheimer’s disease. While PhenoAge was developed using data from whole blood, it correlates strongly with age in every tissue and cell tested. Based on an in-depth transcriptional analysis in sorted cells, researchers found that an increased PhenoAge, relative to chronological age, is associated with increased activation of pro-inflammatory and interferon pathways, and decreased activation of transcriptional/translational machinery, DNA damage response, and mitochondrial signatures. Overall, PhenoAge is able to capture risks for an array of diverse outcomes across multiple tissues and cells, and provide insight into important pathways in aging.
GrimAge is a measure of epigenetic age, acceleration of aging, that strongly measures all-cause mortality. Using large scale validation data from thousands of individuals, GrimAge demonstrates striking accuracy among existing epigenetic clocks in terms of its predictive ability for time-to-death (Cox regression P=2.0E-75), time-to-coronary heart disease (Cox P=6.2E-24), time-to-cancer (P= 1.3E-12), a strong relationship with computed tomography data for fatty liver/excess visceral fat, and age-at-menopause (P=1.6E-12). GrimAge is strongly associated with a host of age-related conditions including comorbidity count (P=3.45E-17) and has demonstrated the expected relationship with lifestyle factors including healthy diet and educational attainment.
Our research is focused on discovering, validating, and commercializing epigenetic biomarkers that distinguish the health and wellness among cohorts.
The Science of Epigenetics
The epigenetic clock measures biological aging in a unique way. Scientific research has proven that individuals who have faster epigenetic clocks and are biologically older have greater risks of all-cause mortality. Measuring one’s biological clock through epigenetics provides insights into how and why we age.
So, what exactly is epigenetics?
- Our genes, or DNA, are fixed at birth and inherited from our parents. Genes determine our gender, hair and eye color, bones and skeletal structure, and the systems that support life.
- Our epigenetics, or DNA Methylation, change how our genes are expressed and are influenced by lifestyle and environmental factors. Epigenetics are proven to be impacted by tobacco and alcohol use, drugs of abuse, stress, exercise, diet, aging, and disease states.