Pioneering Epigenetic Technology
for the Longevity Industry

We offer a comprehensive underwriting solution for the longevity industry based on scientific innovation and insights into molecular health & wellness.


Our Services

Epigenetic technology is poised to play a foundational role in underwriting for the global longevity industry. Our advanced triaged underwriting protocol uses epigenetic signatures as the primary biometric basis for underwriting decisions for ‘preferred’ and ‘preferred plus’ risk classes.

There is clear and convincing evidence that ‘epigenetic signatures’ derived from a non-invasive saliva specimen can be used to assess individual mortality risk and related risk factors. We believe that epigenetic signatures are equivalent, or superior, to existing legacy approaches for obtaining personal health information, while addressing key opportunities to improve the consumer and agent sales journey.

Risk classification using epigenetic signatures to identify tobacco use in assigned underwriting classes.

Key Benefits

An underwriting process using epigenetic signatures, along with available third-party datasets, yields underwriting results and mortality experience at par, or better, than legacy underwriting protocols.

In addition to gaining market-share and growth within existing distribution channels and opening new markets, our triaged underwriting process:

  • Enhances underwriting efficiency and effectiveness
  • Improves the customer sales journey with a non-invasive saliva collection
  • Enables agent distribution professionals to sell more life insurance products
  • Offers new health and wellness engagement opportunities that can improve policyholder health

Our Science

Our science is focused on analyzing epigenetic signatures that distinguish differences in individual health and wellness and are efficacious in preferred underwriting classes.








2019 Pilot Study Parallel Run Underwriting Infographic
Epigenetic Signatures for 52 Clinical Blood Chemistries, Tobacco, Alcohol, Drug Use, Underwriting Risk Classifications, and new biological clock measures.

Our Life Insurance

We are using the science of epigenetics to put the “life” back in life insurance. By shifting the focus from death to life benefits, we are able to offer molecular insights into individual health and wellness that empower people to make more informed choices that improve the quality of life.  

What happens to genes when the epigenome is exposed to different lifestyles and environments, like sun exposure, pollution, tobacco, and alcohol.

The Science of Epigenetics 

Applying the “epigenetic clock” technology towards the longevity industry and using epigenetic signatures to measure individual health and wellness has enabled us to develop an underwriting paradigm shift that moves away from fluid-less to using saliva. This process is set to improve both underwriting efficiency and mortality experience while enhancing protective value.

So, what exactly is epigenetics?

  • Unlike genetics which are fixed at birth and inherited from one’s parents, epigenetics change over one’s lifespan and are influenced by lifestyle and environment.
  • Genes determine one’s ancestry, gender, hair and eye color, and risk of disease; whereas the epigenome fluctuates based on tobacco and alcohol use, drugs of abuse, stress and aging, and current disease states.
  • Epigenetic signatures are identifiable patterns of methylation that relate to current states of health and disease classifications determined by traditional underwriting.

Learn more about the “epigenetic clock” developed by Dr. Steve Horvath of UCLA.

Steve Horvath at TEDxBerkeley

In this TED Talk, Steve Horvath discusses how epigenetic clocks are helping to find anti-aging treatments

What is the Epigenetic Clock?

Learn more about the epigenetic clock–from its inception to current applications, including theories of aging.

Reversing the Body’s Epigenetic Clock

A clinical study recently concluded that it may be possible to reverse the body’s epigenetic clock, used to measure biological age.

How to Contact Us

If you are interested in learning how FOXO’s advanced triaged underwriting protocol can move your business forward, contact us at 612.562.9447 or send us a message.