Invive (Accelerator)

Company Description: Invive leverages the science of epigenetics to assess your health risk for under $100, using a simple saliva test in the comfort of your own home. Unlike genetics, your “epigenetics” changes with your lifestyle and environment, and presents an industry-compliant opportunity for measuring risk. Using patented technology, Invive can detect different kinds of smoking in the past year, alcohol abuse in the past 3 months, and other high-value health risk markers, like your biological age. They’re looking to transform how life insurers quantify risk, and how agents engage with their clients. Data shows that the majority of consumers dislike the life insurance medical exam, but forgoing it leads to greater rates of misrepresentation. By leveraging non-invasive saliva testing, Invive is looking to improve the underwriting experience, without sacrificing predictive accuracy. Their solution can also be used to enhance existing underwriting processes. Unlike the standard cotinine test, which offers a look-back window of 5 days, their epigenetic test traces a year's history of smoking and distinguishes between heavy, light, and e-cigarette smokers. Additionally, their technology supports broader applications, including smoking cessation, health incentive programs, and integrated insurance distribution channels.