Kale: Longevity Insurance

Life insurance that rewards you for looking after yourself.

Most insurers charge you double for smoking but ignore your fitness — even though cardio fitness is one of the strongest predictors of how long you live. Kale is built the other way round. The fitter you are, the less you pay.

HOW IT WORKS

▸ Connect Garmin, Strava or Apple Health — no forms, no gym visits.
▸ Get your Longevity Level, a single 1–10 score built from your cardio fitness, strength and health knowledge.
▸ See the healthy years you’re on track to add, and exactly what’s driving the number.
▸ Reassess every quarter. Improve your Level and your premium comes down.

WHAT YOU GET

◆ Up to 20% off at purchase, based on your fitness data
◆ Up to 10% ongoing reward, reassessed every quarter
◆ Your VO₂ max, benchmarked against people your age
◆ Healthspan and lifespan projections you can actually move
◆ Kalettes — points for healthy habits, spent on kit, coaching and health assessments in the Kale store
◆ Cover for you and your family, arranged with FCA-regulated partners

WHY FITNESS

Going from the least fit quartile to the fittest is associated with a far larger reduction in all-cause mortality than quitting smoking. It is the single biggest lever most people have — and until now, no insurer priced for it.

Kale isn’t a discount scheme bolted onto a policy. It’s a longevity app that happens to come with life insurance: understand your health, improve it, get rewarded, repeat.

Download Kale, get your Longevity Level, and find out what you should really be paying.

Kale is an insurance intermediary. Cover is arranged with FCA-authorised insurers; eligibility, terms and pricing apply. Longevity and healthspan figures are estimates based on your fitness data, not medical advice or a guarantee of future health.