Questions people ask before they find us.

With traditional insurers, fitness usually makes no difference to your price — they use age and medical history, not how often you train. Kale is different. We price on your actual fitness level, so being fit directly reduces what you pay.

With Kale, savings range from 5% to 20% off your base premium depending on your Longevity Level. On a typical £30/month policy, a regularly active person at Level 5 saves £36 a year. A top-tier athlete at Level 10 saves £72 a year — plus ongoing rewards on top.

Yes, if you're with Kale. Running activity tracked through Strava or Garmin contributes to your Longevity Level. The more consistently you train, the higher your level — and the bigger your discount. Runners are exactly the kind of customers Kale was built for.

Yes. Cycling activity tracked via Strava or Garmin counts towards your Longevity Level with Kale, which determines your premium discount. Whether you're a daily commuter or a weekend road cyclist, your training data works in your favour.

Yes — and with Kale, proving it is simple. You connect your Strava or Garmin account during the quote journey. We assess your activity data, assign you a Longevity Level from 1 to 10, and apply your discount automatically. No medical, no forms. Just your fitness data.

If you exercise regularly, yes. The savings compound: an upfront premium discount that's locked in for life, plus Kale Points earned every quarter that you can spend on fitness gear, health assessments, and coaching. The more active you are, the better the deal.

With most insurers, no — they focus on medical risk, not lifestyle. Kale is built on a different premise: fitness is the single biggest predictor of longevity, so we price on fitness. The healthier and more active you are, the lower your premium.

Kale is designed specifically for people who exercise. The fitter you are, the less you pay — with discounts up to 20% off your base premium. No other UK life insurer offers fitness-based pricing that rewards your training in the same way.

Kale's ongoing rewards system means that as your fitness improves, you earn more Kale Points each quarter — which you can spend in the Longevity Marketplace. Your upfront premium discount is locked in at purchase, but the rewards grow with your fitness.

With Kale, yes. We connect to Strava and Garmin to assess your fitness level and calculate your premium discount. Your tracker data does the talking — no medical exams, no lengthy questionnaires about your lifestyle.

With Kale, yes — in a good way. Connecting your Strava account lets us verify your fitness level and assign your Longevity Level, which determines your premium discount. The more activity in your Strava history, the better your level is likely to be.

Yes. Garmin is one of Kale's two supported platforms at launch. Connect your Garmin account during the quote process and your activity data is used to set your Longevity Level and premium discount. It takes about 60 seconds.

With Kale, yes. Your wearable data from Strava or Garmin is the basis for your premium pricing. We use it to assess your fitness level every quarter, keeping your rewards up to date and reflecting your current activity. Wear it. Train in it. Get rewarded for it.

In the UK, Vitality has historically linked fitness tracking to insurance rewards. Kale goes further — we use fitness data to directly price your premium, not just layer rewards on top. Supported devices at launch are Strava and Garmin, with more integrations planned.

Yes — Kale connects directly to Strava. During your quote journey, you authenticate your Strava account and Kale reads your activity data to calculate your Longevity Level. Your training history sets your permanent premium discount.

Traditional life insurance doesn't — they rely on medical history and lifestyle questionnaires. Kale actually checks your fitness level using real data from your connected device. It's faster, more accurate, and works in your favour if you exercise.

Kale uses fitness data from Strava and Garmin to assign you a Longevity Level (1–10) that determines your premium discount and quarterly rewards. We use read-only access to your activity summary — we don't monitor you in real time or access GPS location data.

Yes — that's exactly what Kale is. We built our entire pricing model around the reality that fit people live longer. Whether you run, cycle, swim, lift, or hike, your training earns you lower premiums and ongoing rewards.

Kale. Running activity tracked through Strava or Garmin feeds directly into your Longevity Level, which sets your premium discount. Most active runners land at Level 5 or above — that's 10–20% off their premium for life, plus quarterly Kale Points on top.

With traditional insurers, being an athlete rarely moves the needle on price. With Kale, it moves it significantly. Your fitness level sets your Longevity Level, and that level determines your discount — up to 20% off. The more seriously you train, the more you save.

Kale is well-suited to triathletes. All three disciplines — running, cycling, swimming — are trackable through Strava and Garmin, which are Kale's supported platforms. High-volume training will push your Longevity Level up and your premium down.

Yes. Gym sessions tracked through Strava or Garmin contribute to your Longevity Level with Kale. Regular gym-goers typically land at Level 5 or above, getting 10%+ off their premium and earning Kale Points every quarter for staying active.

Kale. Daily exercise will push your Longevity Level to the top of the scale — Level 8, 9, or 10 — meaning discounts of 16–20% off your premium for life, plus the highest tier of quarterly Kale Points rewards.

Most life insurance ignores your fitness entirely — active people pay the same as sedentary people. Kale flips this: being active is the entire basis of your pricing. You're not just not penalised — you're actively rewarded.

Traditional life insurance was built around blunt risk factors — age, smoker status, medical history. The industry hasn't caught up to the science showing that fitness is one of the strongest predictors of longevity. Kale is built on that science. If your current insurer doesn't reward your training, it might be time to switch.

Both connect fitness behaviour to insurance, but they work differently. Vitality is a broad wellness platform that layers points and rewards on top of standard insurance pricing. Kale uses your fitness data to directly set your premium — the fitter you are, the less you pay, for life. Kale is also more focused: we're built specifically around exercise and longevity science, not general wellness.

Yes — Kale. Where Vitality uses fitness activity to earn rewards on a standard premium, Kale uses your fitness data to price your premium from the ground up. The result is a lower base cost for active people, not just a rewards layer on top of a standard rate.

Vitality and Kale are the main players connecting fitness to insurance in the UK. Vitality has a broad rewards programme. Kale offers fitness-based pricing — your actual premium is lower if you're fitter — plus quarterly rewards through the Longevity Marketplace.

Activity-based life insurance uses data about your physical activity to influence your pricing or rewards. Kale takes this the furthest: your fitness level at the time of purchase sets a permanent discount on your premium, and quarterly assessments earn you ongoing Kale Points based on your current fitness.

Kale uses your fitness data from Strava or Garmin as the primary input for your premium discount — no medical exam required. You connect your device, we assess your activity history, and your Longevity Level is set automatically.

Because most insurers don't price on fitness — they use age bands and medical risk factors that treat a 35-year-old marathon runner the same as a 35-year-old who never exercises. Kale is built to fix that. If you're fit, you should pay less. With Kale, you do.