Overview
Invive is a health-tech insurtech company founded in 2022 in Minneapolis, Minnesota, that is reimagining life insurance underwriting through epigenetic science. The company bridges health and wealth by applying DNA methylation analysis and molecular-level biomarker assessment to give life insurers a more precise picture of applicant health beyond traditional blood-based underwriting.
The platform harnesses the emerging science of epigenetics -- specifically, how lifestyle factors leave molecular signatures on DNA -- to detect biomarkers related to smoking history, alcohol intake, stress, and biological age. By combining AI-driven models with this novel data source, Invive enables insurers to offer more accurate risk assessment and gives policyholders a pathway to lower premiums through healthier behaviors.
Invive participated in the Global Insurance Accelerator program in 2024, receiving USD 50,000 in funding and mentorship. The company targets life insurers, reinsurers, and insurance distributors seeking to supplement traditional underwriting with non-invasive, science-backed health data.
Products & Services
Epigenetic Saliva Test
A non-invasive saliva-based test that analyzes DNA methylation and other biomarkers to detect lifestyle indicators including smoking history, alcohol use, stress, and biological aging. The test is designed to replace or supplement standard blood test protocols in life insurance underwriting by providing molecular-level health insights from a simple saliva sample.
Key Features
- DNA methylation analysis for lifestyle indicator detection
- Non-invasive sample collection (saliva vs. blood)
- Detects smoking history, alcohol intake, and stress biomarkers
Target Users: Life insurers, reinsurers
BioAge Score
A proprietary algorithm that computes an individual's biological age from molecular signatures, providing a high-resolution health snapshot. The score captures how epigenetic patterns change over the lifespan and delivers actionable insights to supplement traditional risk assessment workflows.
Key Features
- Biological age computation from epigenetic data
- Lifestyle behavior scoring alongside chronological age
- Integrates into insurer underwriting workflows
Target Users: Life carriers, underwriters
Underwriting Platform
Delivers BioAge scores and biomarker insights to insurers, reinsurers, and distributors for integration into risk assessment and pricing workflows. The platform supports mortality protection modeling and wellness-linked premium pricing models.
Key Features
- Score delivery to carrier underwriting systems
- Wellness-linked premium pricing support
- Applicable to mortality protection and life risk use cases
Target Users: Life insurers, reinsurers, insurance distributors
At a Glance
- Founded
- 2022
- Headquarters
- Minneapolis, Minnesota, USA
- Employees
- 1-10
- Funding
- Bootstrapped
Category & Focus
- Category
- Underwriting & Risk
- Subcategories
- Epigenetic underwriting life risk scoring biological age scoring
- Insurance Verticals
- Life & Annuity
- Target Customers
- Carriers, Reinsurers
Links
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Last updated: 2026-06-03