GWG Insurtech

We are committed to developing and commercializing the breakthrough science of epigenetics for the industries we serve.

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YouSurance is the first Life Insurance company to use the cutting-edge science of epigenetics and advanced biotechnology as part of the underwriting process. By examining applicants’ health on a molecular level, YouSurance is able to: revolutionize underwriting, improve customer experience & radically transform the insurance distribution.

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LifeEpigenetics is the premier epigenetic testing partner applying this breakthrough technology to industries like: pharmaceuticals, nutraceuticals, longevity markets, agriculture, and clinical research, to name a few. LifeEpigenetics provides state-of-the-art testing services that identify and measure epigenetic signatures that reflect aging, wellness, mortality, clinical chemistries, chronic disease states, and substance abuse.

History of Innovation

We invite you to read on and discover how our company is applying the breakthrough technology of epigenetics to the innovative industries we serve.

  • January, 2006

    GWG Brings innovation to the Life Insurance Secondary Market

    GWG Life, LLC Started to provide life insurance policy owners liquidity through the secondary market for life insurance.

  • April, 2014

    GWG blue and gold block letters logo

     

    GWGH Bell Ringing - Publically Traded on Nasdaq

    Listed on the New York Stock Exchange, GWG Holdings (Nasdaq:GWGH) is created to achieve superior returns through alternative asset ownership and life insurance innovation.

  • September, 2016

    Aging DNA methylation and mortality prediction

    Dr. Steve Horvath's Research on DNA Methylation and Mortality Prediction

    Jon Sabes connects with Dr. Horvath to discuss epigenetics

    Read the Paper

  • November 3, 2016

    The future of life insurance bodies and clocks blue cover graphic design

    The Future of Life Insurance: Part One

    by Jon Sabes, CEO

    Epigenetics can predict all-cause mortality. The implications for the Life Insurance industry is nothing if not revolutionary.

    Read the Whitepaper

  • Jan 26, 2017

    Globe Newswire Logo

    Press Release - GlobeNewswire

    Expert on Aging Dr. Brian Chen Joins GWG Holdings to Lead Development of Epigenetic Mortality Prediction Technology for Firm’s Life Insurance Products and Services.

    Read on Globenewswire

  • March 9, 2017

    GenomeWeb logo

    GenomeWeb

    Life Insurance Firm GWG Incorporates Epigenetic Mortality Predictor into Underwriting.

    Read on GnomeWeb

  • January 31, 2017

    The Huffington Post

    Genomic Technology May Turn GWG Life Into an Insurtech Disrupter

    Read on Huffington Post

  • May 4, 2017

    Globe Newswire Logo

    Press Release - GlobeNewswire

    GWG Holdings Announces its Exclusive License of Mortality Predictive Technology from UCLA for Life Insurance Industry

    Read on GlobeNewswire

  • October 4, 2017

    Forbes

    With The Swab Of A Cheek, This Company Knows When You're Likely To Die.

    Read on Forbes

  • September 18, 2017

    MinnPost

    Beyond DNA: Research has Minnesotans looking at how behavior and environment affect lifespans

    Read on MinnPost

  • Jan 11, 2018

    Globe Newswire Logo

    Press Release - GlobeNewswire

    Artificial Intelligence and Machine Learning Expert Dr. Randal S. Olson Joins GWG Holdings’ Insurtech Subsidiary Life Epigenetics as Lead Data Scientist

    Read on GlobeNewswire

  • April 19, 2018

    White graphic design cover the future of life insurance

    The Future of Life Insurance: Part Two

    by Jon Sabes, CEO

    Consumers have the power to experience themselves with transcendent insights that topple generational icons and take them on a singular adventure.​

    Read the Whitepaper

  • June 5, 2018

    Globe Newswire Logo

    Press Release - GlobeNewswire

    Life Epigenetics Forms Advisory Board of Experts in Science, Technology, and Insurance to Guide the Growth of the Company

    Read on GlobeNewswire

  • October 19, 2018

    MIT Technology Review

    Want to know when you’re going to die?

    Read on MIT Technology Review

  • November 6, 2017

    Bloomberg

    YouSurance Uses Epigenetics to Predict Life Expectancy

  • January, 2017

    Best’s Review

    The Time is Now

    Read on Best's Review

  • January 18, 2018

    TechDotMN

    Minneapolis’ YouSurance is Betting Big on Algorithms…To Pinpoint When You Will Die

    Read on TechDotMN

Frequently Asked Questions

FAQs about the technology and how GWG may integrate it into its business:

What is the technology GWG Holdings has licensed from UCLA?

We have licensed the “DNA methylation-based predictor of mortality” technology from UCLA that was invented by one of UCLA’s professors, Dr. Steve Horvath, the leading expert on epigenetic technology and aging. Our license is exclusive to life insurance and related businesses, which puts us in a unique position to apply this technology to this industry.

What is this technology?

The technology, invented by Dr. Steve Horvath, enhances the prediction of life expectancy by using epigenetic biomarkers that can be identified in saliva or blood samples. Epigenetics differs from genetics in that epigenetics do not include changes to the genetic sequence, an important distinction that means we are analyzing material that is not fixed at birth but changes as a person ages and provides insight into life expectancy that has never before been available. Through our subsidiary Life Epigenetics we have been collecting and analyzing epigenetic data from policyholders looking to sell their life insurance and have been actively pursuing the commercialization of the epigenetic-based technology in what is called “M-Panel” technology.

How will it be used and how will it affect GWG Holding’s current business?

We are working to find ways to integrate aspects of this technology into our underwriting protocols to help us make better decisions about the life insurance policies we purchase.

What is your motivation for doing this?

As a leader in the life insurance secondary market for more than ten years, we have had a front row seat to how the key parts of this industry operate. We believe these new technologies possess the potential to upend a century of entrenched incumbent practices in the life insurance, and long-term care businesses.

Will this mean that GWG Holdings will change the process it uses for purchasing life insurance policies on the secondary market?

M-Panel technology is designed to easily adapt to current underwriting processes. The process used for purchasing life insurance remains relatively unchanged. This should also hold true for other companies using our technology. However, as we make advancements in this technology and as more and more data is gathered using it, it could very well lead to significant changes to our companies, and others, underwrite risk. Moreover, it could lead to dramatic improvements in efficiency in the purchasing process.

When do you think you will implement this technology into your current business?  

We are currently rolling out this technology with new applicants in our business.

How is this technology different from the home DNA tests I see online?

Online DNA testing companies differ from our technology in two fundamental ways: (1) they are testing your genetic sequence, which hasn’t changed since you were born, and are testing epigenetic biomarkers, which behave more like other biomarkers that are commonly measured at your doctor’s office (e.g., cholesterol); and (2) they focus on diagnosis and pre-disposition to diseases whereas we focus on a newly discovered aspect of “biological aging.”

Who is involved in this project?

Our subsidiary Life Epigenetics has assembled a team of professionals whose expertise cover epigenetic research, biotechnology, data science, actuarial science and other disciplines.