Control your portfolio's real risk — before it becomes a claim.
MOAT rewards policyholders for healthy behaviour and gives insurers a clearer, continuously-updated view of portfolio risk — consented, cohort-level, GDPR Article 9 compliant from day one.
The MOAT Ecosystem
A unified model connecting three stakeholders.
Click any box to find out more
Insurers
Control portfolio risk before it claims using continuous, consented wearable health signals and cohort analysis.
Policyholders
Get rewarded for living a healthy life. Sync your wearable to earn dynamic premium discounts and premium benefits.
Rewards Partners
Acquire high-value, active customers on a performance model. Sponsor gym, fitness, and health rewards.
About us
A wellness layer built for insurer risk — powered by real policyholder engagement.
MOAT gives life & health insurers a clearer, fairer, continuously-updated picture of portfolio risk — sourced from consented, wearable-verified policyholder activity, not a one-time application form.
That signal is genuine because policyholders have a real reason to engage: everyday activity turns into real rewards on their cover. One white-label platform, setup fee + PMPM, with granular, plain-language consent and GDPR Article 9 compliance built in from day one.
Team
The people behind MOAT
Meet the founding team — open a profile to read the full bio, or reach any of us directly by email.
Pressure-test the thesis with your own actuaries.
Whether you're an actuary, underwriter, or innovation lead — see exactly how MOAT's risk signal holds up against your book.