Aktivo Labs and Lifecheq Ink Strategic Partnership to Launch Enhanced Hybrid Distribution Model for Insurance.
Alliance marks the role of digital wellness in data modelling for holistic wellbeing, while supporting insurance in personalised product development, context-based distribution and targeted customer communications.
Singapore / Cape Town – 26 August 2025 – AktivoLabs, a Singapore-based digital health science company, today announced a strategic partnership with Lifecheq, South Africa’s pioneering and largest advisor enablement platform. This alliance brings together two mission-aligned innovators to create a unified, global platform addressing the full spectrum of individual well-being — physical, mental, and financial — while unlocking new distribution opportunities for insurers and enterprises worldwide.
Converging Overall Wellbeing and Proposition of Relevant Insurance to Create Hybrid Distribution
Aktivo Labs’ patented digital biomarker, the Aktivo Score®, which quantifies health risk using real-time data from wearables and smartphones, is already used by insurers in the region to support personalised premium discounts for Health and Critical Illness products, as well as driving customer retention and renewals. The platform has enhanced its proposition to offer mental and financial wellbeing scores, with gamification and nudges for Next Best Action (NBA) to support overall wellbeing. Where relevant and timely, the NBA would provide users a reason to consider insurance purchase both online and offline.
The integration with Lifecheq’s proven financial advisory platform, and the combined offering represents a B2B2C solution that delivers a strong opportunity for Financial Consultants and Advisors to convert the nurtured and qualified interest into a context-based conversation about protection and investment leading to insurance purchase. The partnership promotes an end-to-end solution that helps enterprises, insurers, and governments improve member wellbeing while driving insurance penetration and strengthening distribution efficiency, keeping the cost of acquisition and engagement lower.
Key Benefits for AktivoLabs and Lifecheq Partnership
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Holistic Wellness Portfolio: Partners can now extend beyond physical health to offer best-in-class financial wellness, alongside Aktivo’s proprietary health scoring tools (Aktivo Score®, Aktivo Mind, and more), which both attract and digitally engage members and prospects in meaningful conversations.
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Proven Distribution Impact: Lifecheq has enabled South Africa’s leading insurers to grow Gross Written Premium (GWP) by up to 80% and expand the average product basket per customer by 5x, results now available to Aktivo’s global partner ecosystem.
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Data-Driven Insights: By combining Aktivo’s wellness behaviour data with Lifecheq’s financial behaviour analytics, insurers gain deeper actuarial and behavioural insights, powering personalised product development, recommendations and proactive risk management.
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Online to Offline: Aktivo’s ability to capture and nurture prospects digitally, offering distributors good quality prospects, is now extended further by Lifecheq’s transparent, AI-augmented and advisor-supported sales process that helps to complete the insurance purchase offline.
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Scalable Global Reach: With Aktivo’s established presence in Asia and Lifecheq’s leadership in Africa, the alliance offers insurers and enterprises a direct pathway into high-growth markets with de-risked implementation models.
“This partnership with Lifecheq is a strategic milestone for AktivoLabs,” said Gourab Mukherjee, Co-Founder and CEO of AktivoLabs. “We have been successful in redefining what holistic wellbeing is for our partners, enabling insurers and enterprises to reduce long-term risks, increase engagement and deliver meaningful outcomes for their prospects, policyholders, patients and employees. Our partnership with Lifecheq ensures that customers who engage with Aktivo tools now have a comprehensive approach to wellbeing, that seamlessly incorporates insurance purchase. We provide the data for advisors to have context-based and meaningful conversations with the customer and Lifecheq supports them with the tools to make the right recommendations. Customer benefit and satisfaction are at the heart of our approach, while we support partner objectives and priorities. It is a win-win model for all parties.”
Abu Addae, CEO & Co-Founder of Lifecheq, added: “Our mission has always been to make financial advice more relevant, transparent, and accessible. By joining forces with AktivoLabs, we are able to use wellbeing data to create innovative products, enhance journeys for both advisors and customers and create more successful hybrid distribution models. We are able to now extend our proven success in Africa to a global stage. This alliance is about creating trust, empowering advisors with intelligent tools, and ensuring customers experience insurance and financial wellness as something genuinely valuable.”
A Proven Model Backed by Real-World Success
Lifecheq enabled record productivity and the highest GWP per advisor in recent years for a tier 1 insurer in South Africa.
Lifecheq enabled record productivity and the highest GWP per advisor in recent years for a tier 1 insurer in South Africa.
Partnering with a leading telecom in South Africa, Lifecheq powered the launch of new insurance distribution in a matter of months, a milestone once considered impossible.
- Through its model, more than 8,000 of South Africa’s advisors now rely on Lifecheq’s platform, enabling more than one million policy sales annually.