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MyLifeScore360 shows how your health measures up

MyLifeScore360 provides a risk-based score after you answer 10 simple health questions. It’s an easy way to understand how your health may compare to your peers.

Family and friends have fun cooking together in a rustic, wood-based kitchen

No one likes to be judged. It’s perfectly normal to feel like that’s happening when you buy a life insurance policy.

What does a life insurance company consider to be healthy? Does your medical history need to be squeaky clean? What about your family’s medical history?

In the dark ages, before smartphones and streaming movies, how your health compared to other people who are applying for life insurance coverage was shrouded in mystery. In many cases, people filled out a paper application, took a medical exam and waited weeks to hear back from the life insurance company about what their premium would be without any benchmarks to see how their health stacked up to others.

That’s not the case anymore. You can answer 10 simple questions to learn a little about how different data points can influence life insurance risk. It’s called MyLifeScore360 from our friends at LifeScore Labs and MassMutual.

MyLifeScore360 makes understanding your life insurance risk actually interesting — and hey, a good score may bring some serious bragging rights.

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How MyLifeScore360 works

MyLifeScore360 provides a risk-based score relative to a person with the same age, gender, and smoking habits as you. It gives you an easy way to understand your mortality risk. Based on a zero to 100 rating with 100 being the best, you can get your score by simply answering a few questions.

The MyLifeScore360 report shows your expected risk compared to your peers and gives you details on positive and negative contributors to your score. The questionnaire is as easy to complete as an online personality test, but it’s powered by sophisticated data.

Under the hood of MyLifeScore360 is an innovative predictive model that leverages 48 variables from nearly one million life insurance policies across 15 years. The tool uses machine learning and artificial intelligence – like Skynet, but nice – to give you a visual snapshot of your health.

MyLifeScore360 breaks down your health into a score of up to 100

The tool asks you basic health information you should know either off the top of your head or can estimate reasonably, such as your height, weight and blood pressure.

A screenshot from LifeScore360 shows a rating for cholesterol that is normal but could have been intermediate or high

What to do with your MyLifeScore360 report

Some of the variables that go into MyLifeScore360 you can’t control, like your age and family medical history. But you do have at least some influence over others, like your weight, cholesterol and smoking behavior.

What’s great about MyLifeScore360 is that you can play around with the variables to see how losing 5 pounds or quitting smoking may change the way life insurance companies view your health. And that can be a positive motivation to change and possibly lead to lower insurance costs.

MyLifeScore360 begins to bring much-needed transparency into a process that seems pretty secretive: life insurance medical underwriting. The inputs that MyLifeScore360 uses to help you understand more about your life insurance risk are many of the same types of questions you will be asked in a life insurance application. Those questions give you a glimpse into the underwriting process and a rough idea of how insurance companies might view your health status.

So by getting your score, you have a better sense of how your health will stack up to other peers when applying for coverage.

It’s not just easier life insurance, it’s an easier life.

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Tom Anderson

About Tom Anderson

Tom Anderson is an award-winning financial journalist whose work has appeared in CNBC.comKiplinger’s Personal FinanceMoneyMonocle and Wired. He was a 2008-09 Knight-Bagehot Fellow in Economics and Business Journalism at Columbia University.

Read more by Tom Anderson

Our editorial policy

Haven Life is a customer-centric life insurance agency that’s backed and wholly owned by Massachusetts Mutual Life Insurance Company (MassMutual). We believe navigating decisions about life insurance, your personal finances and overall wellness can be refreshingly simple.

Our editorial policy

Haven Life is a customer centric life insurance agency that’s backed and wholly owned by Massachusetts Mutual Life Insurance Company (MassMutual). We believe navigating decisions about life insurance, your personal finances and overall wellness can be refreshingly simple.

Our content is created for educational purposes only. Haven Life does not endorse the companies, products, services or strategies discussed here, but we hope they can make your life a little less hard if they are a fit for your situation.

Haven Life is not authorized to give tax, legal or investment advice. This material is not intended to provide, and should not be relied on for tax, legal, or investment advice. Individuals are encouraged to seed advice from their own tax or legal counsel.

Our disclosures

Haven Term is a Term Life Insurance Policy (DTC and ICC17DTC in certain states, including NC) issued by Massachusetts Mutual Life Insurance Company (MassMutual), Springfield, MA 01111-0001 and offered exclusively through Haven Life Insurance Agency, LLC. In NY, Haven Term is DTC-NY 1017. In CA, Haven Term is DTC-CA 042017. Haven Term Simplified is a Simplified Issue Term Life Insurance Policy (ICC19PCM-SI 0819 in certain states, including NC) issued by the C.M. Life Insurance Company, Enfield, CT 06082. Policy and rider form numbers and features may vary by state and may not be available in all states. Our Agency license number in California is OK71922 and in Arkansas 100139527.

MassMutual is rated by A.M. Best Company as A++ (Superior; Top category of 15). The rating is as of Aril 1, 2020 and is subject to change. MassMutual has received different ratings from other rating agencies.

Haven Life Plus (Plus) is the marketing name for the Plus rider, which is included as part of the Haven Term policy and offers access to additional services and benefits at no cost or at a discount. The rider is not available in every state and is subject to change at any time. Neither Haven Life nor MassMutual are responsible for the provision of the benefits and services made accessible under the Plus Rider, which are provided by third party vendors (partners). For more information about Haven Life Plus, please visit: https://havenlife.com/plus.html

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