Malaysia beta
Protection for the moments you actually live.
LYFMO is building insurance that fits how young Malaysians already live — around trips, big games, first days away and birthdays — bought in seconds, shared with the people around you, and paid out automatically when a covered moment happens.
Beta experience. Protection, prices and payouts shown across this site are simulated; no insurance is currently sold and no money moves.
Roughly 1 in 3 Malaysians holds life insurance or family takaful — and only about 4% of lower-income households do. Traditional insurance feels formal, expensive and irrelevant to a 22-year-old, and the average household protection gap sits around RM500,000.
The result: the people who need simple, affordable protection the most interact with it the least — until it's too late.
Sources: Bank Negara Malaysia via The Edge Malaysia; LIAM × UKM protection gap study.
- Packs, not policies. One-tap protection bundles around real life moments — a trip, a dorm, a ride home — set up in seconds with plain-language terms.
- Social by default. Groups split the cost in WhatsApp; one invite brings the whole crew. Gifting lets a parent or friend buy cover for someone else.
- Automatic where possible, guided where not. Parametric triggers — like a flight delay confirmed from arrival data — pay out with no claim form. When a claim needs input, Nova guides it in a few taps.
- Gamified engagement. Momentum, levels and badges turn protection into a daily touchpoint — frequent interactions build the behavioural data that sharpens underwriting over time.
See it end to end in the investor demo — a gift Pack, a WhatsApp invite, and a simulated automatic payout.
LYFMO earns a margin on each Pack premium — member pricing stays flat while partner insurers and distribution partners pay for reach. Gifting and WhatsApp groups turn every Pack into near-zero-cost acquisition: one buyer brings several covered members.
Embedded distribution compounds it: a partner (airline, travel site, university, event organiser) drops a LYFMO Pack into their own checkout and earns a share of every sale — see LYFMO for Partners.
Malaysia is the first market, with an expansion path across ASEAN. Regionally, insurtech is projected to grow ~38% a year to ~US$12B by 2033 — a market being rewired for exactly this kind of mobile-first, embedded product.
Sources: Bank Negara Malaysia · The Edge · LIAM × UKM study · DataCube Research. Third-party industry estimates shown for context, not LYFMO performance claims.
Real activity since the beta opened:
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Aggregate, privacy-safe counts from the live beta. Financial values remain simulated; the detailed funnel (sign-ups, invite conversion, Pack activation) is shared with investors on request.
Founder
Christopher Frankland
Founder, LYFMO · Solo founder
Christopher is the founder of LYFMO, an insurance technology concept reimagining protection for a generation that expects everything to be simple, social and on demand. With more than 20 years of experience across insurance, technology, product innovation and digital transformation, he has worked with insurers and technology companies around the world to rethink how insurance is designed, distributed and experienced.
He created LYFMO around a simple idea: insurance should fit around the moments that matter in people's lives — not force people to fit around insurance. LYFMO is exploring a new model of flexible, shareable protection built for how people live today.
LYFMO is in private beta. Everything on this site is a simulated experience built to demonstrate the product and the journey. Selling cover inside a partner's checkout, or at all, would require a licensed insurer and regulatory approval in each market — that's the path this beta is preparing for, and it's stated plainly on every demo surface.
Talk to us
Whether you're an investor, a potential partner, or you'd like beta access — send a message and the LYFMO team will get back to you.
lyfl.app · LYFMO — Life Moments · Malaysia beta