Serving Longevity Insurance

We are modernizing longevity insurance with molecular biotechnology to improve underwriting and consumer health.


Our Approach

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, 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.

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

Our Vision

We are building the first life insurance company to be powered by molecular biotechnology!  And we are bringing the first life insurance policy whose key promise is to help keep its customers alive! 

We are disrupting everything about the traditional life insurance industry.  We have one life, one legacy, one chanceand we believe a life insurance company can do more than pay money to your loved ones after you die. “Life Insurance Designed to Keep you Alive” seems like a good thing to us, so we are building it. It will be available to you soon!  


Our Science

Our science is focused on discovering, validating, and commercializing epigenetic biomarkers that distinguish the health and wellness among cohorts.








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.

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.

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 molecular age.

How to Contact FOXO

Interested in collaborating with FOXO Technologies? Contact us 888-405-8957.