How nice would it be to flip the script and focus instead on life well-being and positive habits — without missing out on the benefits of insurance?
There’s the Acorns app for investment, which rounds up your daily expenses and puts money in your investment account based on that. Then there’s the Digit app, which rounds up your daily purchases and puts money in your savings account.
So now we have the Avibra app, which encourages you to build positive habits and automatically invests money in your free life insurance policy for everyday positive actions.
While it may not be the best life insurance company we've reviewed… it is free.
The best part? We’ve partnered with Avibra to give you a special deal. Sign-up using our link and you will receive a $100 bonus in your insurance coverage and bonus rewards.
Avibra is a 100% free-to-use app that uses data science and machine learning to track your everyday habits and let you know what you are doing well in areas that span across health, finances, career, relationships and your community. In the process, your insurance coverage grows weekly with your positive habits.
What is Avibra?
Avibra is an innovative app that’s focused on making life insurance more accessible than ever and offers free life insurance for young people.
The app learns more about your good habits — rewarding you with coverage — as well as your less-than-stellar ones, offering up information and tips to improve.
It does this all without you having to lift a finger every day, though.
The app provides two ways to improve your well-being and earn insurance. (We’re talking about real money that goes towards your life insurance policy, here.)
Avibra Features
In-App Activities
It provides quizzes, short educational videos & guided meditation series to educate and improve your well-being.
When you do each of these activities, you’re rewarded with microinsurance coverage.
Data Science
The app provides options to connect your checking/savings/credit card account similar to how the Digit or Acorns app works.
It automatically analyzes your daily purchases to identify positive behavior and rewards you by increasing your insurance coverage.
It also has the ability to connect to your wearables and social media accounts to get positive social and wellness insights.
In a way, it uses machine learning algorithms to unearth your positive behavior automatically while increasing your coverage automatically.
Also read: Bestow Review – Low Cost Online Term Life Insurance
Avibra Pricing Model
Currently, Avibra is offering a Free Plan that includes a basic-level insurance policy that increases on weekly basis with a cap in total coverage.
Additionally, Avibra is one of the first apps that’s committed to digital well-being with focus on less screen time.
Every Wednesday is “Avibra Well-Being Day” — where your rewards and insights are unlocked for you when you log into the app to claim them. That includes new insights and content like quizzes, videos, meditation.
“There is absolutely no purchase required.”
Just follow a positive lifestyle and see your coverage grow on a daily basis. Policies are backed by insurance companies with an A “Excellent” rating (gold standard) given by A.M.Best, an external independent oversight entity.
The app has read-only access to your personal data, and they don’t store any of it so selling your information is a moot point. Plus they use the same encryption used by banks to make sure you’re secure.
Read more: Infinite Banking Concept – How to Borrow Cash from Own Your Life Insurance Policy
How to Sign Up?
Go through this download link to get a download link sent to your phone. You will be required to enter your email address and a password, legal first name, legal last name, your birthday, gender, and zip code which will allow you to create your free account.
Next, you will be asked lifestyle information questions that will personalize and secure your Avibra account.
The questions will ask you if you have been diagnosed with any serious conditions in the last 10 years and other basic information such as your height, weight, and last tobacco use.
Finally, it'll ask for your phone number.
Then you'll be all set up.
Once you are signed up you will be able to learn more about your own good habits, get habit-based micro life insurance coverage. The app also offers an interactive platform with quizzes, videos, interesting facts & more and is available for iOS & Android.
Click here to sign up for free!
My Favorite Features
myGrowth 360
Read quick tips to improve your health, relationships and finances. Watch videos filled with interesting well-being facts.
The app can help identify the habits through your daily purchases and wearables that are going to help you improve your life, from your career and personal finances to your health, relationships and community.
You can connect your bank account, LinkedIn profile or health apps and earn insurance along the way.
Earning Rewards
Convert your good habits and positive steps into rewards each week. Earn life insurance, accident medical insurance and AD&D insurance.
myNews 360
See your daily digest of hand-picked articles that are personalized to your preferences.
Community Well-Being
Improve and protect the lives of others across the country through your good habits.
How to Get More Coverage?
When you share your personal link and invite friends and family to join Avibra, you and the individual joining will earn a $100 bonus in your insurance coverage and bonus rewards.
Sign-up using our link and you will receive a $100 bonus in your insurance coverage and bonus rewards.
The Pros and Cons of the Avibra App
Avibra Pros:
- A great way to see all your good habits from your daily purchases and activities
- The first step towards building life insurance protection
- Quizzes + Educational Videos + Meditation + Life Tips
- Available on both iOS and Android devices
- The Avibra referral program will actually increase your coverage when a friend or family member sign up with the app
Avibra Cons:
- Currently life insurance is only available for those 18-38 years old
- No option to buy actual life insurance policy
- Not available internationally
- Company and app is still fairly new to the market
FAQs
Avibra is a free-to-use app and platform that creates better habits in exchange for finance and insurance benefits.
Avibra uses machine learning to track your habits each day. You can get free insurance coverage weekly, just by doing positive habits and actions. You don't even need to check into the app, simply live your life and connect your wearables (Google Fit, Fitbit, Apple Health), bank, and LinkedIn and Arya can track your well-being habits better and you can earn more coverage.
Final Thoughts on the Avibra App
The Avibra app can be a great way to protect your loved ones while still benefiting you. It’s a unique addition to an already existing niche of apps like Digit and Acorns, which are geared for younger adult users.
Avibra’s goal is to encourage good habits and start building up protection for loved ones with life insurance. A more comfortable life can be gained simply by getting on the app and reading some quick, easy tips. The app also has a real time risk advisor, in case you need one.
Your everyday habits and daily health activities can be positively impacted bypassed using this free app, interacting with new content of stories of everyday people, and by setting amazing goals to be a better version of yourself.
It's a fun way to build positive habits like a gratitude journal or gain inspiration from inspirational stories and topics that interest you. You can likely burn some more calories each day as well.
You don’t have to do much to get started, and you can use the app far less often than other habit tracker apps without your phone blowing up with notifications. Every Wednesday is Wednesday Well-Being Day, and you'll get a notification to see new content and earn more insurance coverage.
It's that simple, and there's no catch. Start good habits, stop bad ones, and improve your life with Avibra.
Click here to download Avibra!
Avibra is a 100% free-to-use app that uses data science and machine learning to track your everyday habits and let you know what you are doing well in areas that span across health, finances, career, relationships and your community. In the process, your insurance coverage grows weekly with your positive habits.
Related Resources:
- Should I Get Life Insurance In My 20s or 30s?
- Homeowners’ Life Insurance Options
- Why Whole Life Insurance Is a Bad Investment
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