Getting life insurance used to be a massive pain. You’d have to fill out endless forms about your family’s medical history, wait for a nurse to come to your house to poke you with needles, and then wait weeks for some guy in a suit to decide if you’re “risky.” It’s stiff, it’s boring, and it feels like it’s stuck in the 1950s.
Momentum LifeReturns flips the script. Instead of a needle, you use a camera—the one already on your phone.
The first time I tried the digital scan, I was super skeptical. I’d just finished a huge cup of coffee (pro-tip: don’t do that) and was sitting in my room. The app asks you to stare into your front camera for about 90 seconds. It uses some high-tech light sensors to watch the blood flow in your face and measure your vitals.
I’ll admit, staring at myself for a minute and a half felt pretty awkward. I found myself checking if my hair was messy or if I had something in my teeth. But then the results popped up: heart rate, stress levels, and breathing rate. Just like that, the system knew I was doing okay. No blood, no needles, just a really long selfie.
How the 35% Math Actually Works
You’re probably wondering where that “35% off” comes from. It isn’t just a random gift. It’s broken into two main parts, and knowing how they work is how you save the most money.
First, there’s the Health Screening. By just doing that 90-second scan and answering a few quick questions (like how tall you are and if you smoke), you can get up to 20% off. That’s huge! That’s basically like getting a “not-lazy” discount.
Then, there’s the Fitness Assessment. This is for people who actually move around. If you can prove you’re active—maybe by hitting your step goals or doing a quick fitness check—you can grab another 15%.
When I saw my bill drop for the first time, I literally did a victory dance. My family thought I’d lost my mind, but when I showed them I was saving hundreds of bucks a month, they got it. That’s extra money for a road trip, a new pair of sneakers, or just a better savings account.
The “Multiply” App: Your Savings Engine
You can’t really talk about LifeReturns without talking about Momentum Multiply. For a long time, I thought Multiply was just a rewards program for cheap movie tickets or flight deals. And yeah, those are awesome—who doesn’t love a half-price movie?—but the real power is how it connects to your life insurance.
Think of Multiply as the brain. It tracks your “Healthy Heart Score” and your gym points. In the past, if you missed one workout, it felt like your whole discount was going to vanish.
But lately, they’ve made it way more chill. Your discount is more stable now. You aren’t going to wake up and find your bill has doubled just because you spent a weekend on the couch playing video games. It feels more like they’re cheering you on rather than spying on you.
What I Learned (The Hard Way)
I’m not a pro athlete. I’m just a normal person who tries to walk enough and doesn’t eat junk food every single day. What I love about LifeReturns is that it rewards “normal.”
One thing I learned? Don’t drink that energy drink right before the scan. My first scan showed my heart rate was a bit high because I was caffeinated to the moon. Note to self: do the scan when you’re actually relaxed!
Also, don’t ignore the “Reassessment Season.” Usually, at the start of the year, the app will remind you to do your check-in. It’s like a quick reset for your money. Last year, I almost forgot because I was so busy with work and life. But then I got the notification: “Your discount is about to expire.”
I did the scan while waiting for my lunch to heat up. It took less time than a commercial break. That one minute secured my 35% discount for the next 12 months. If only everything in life gave you that much reward for basically no work!
The Safety Net: What if Life Happens?
Let’s talk about a real fear: what if you get sick? Or what if you have a bad year and gain some weight?
This is where Momentum is actually pretty cool. They have a “Protector” rule. Even if your health takes a bit of a hit, they limit how much your discount can drop in one year. They won’t just yank the whole 35% away because you had a rough couple of months.
I find that really helpful. It admits that life is messy. We get injured, we get stressed, we get older. The system isn’t trying to catch you failing; it’s trying to reward you for staying on track. It makes the whole thing feel way less scary.
Why Haven’t You Done This Yet?
I find myself telling my friends about this all the time, and they always ask the same thing: “Is it really that easy?”
Yes. It really is.
We live in a world where our phones can track everything from our sleep to our location. Why should insurance be stuck in the dark ages? By using LifeReturns, you’re telling the insurance company, “Hey, I’m taking care of myself, so give me a break on the price.”
It’s a fair deal. They get a healthy customer, and you get more money to actually spend on your life.
If you’re sitting there looking at your bills and feeling annoyed, give this a shot. Download the app. Stare at your face for a minute. See what happens. Worst case? You wasted 90 seconds. Best case? You just gave yourself a massive annual raise.
Quick Checklist to Save Cash:
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Make sure you’re signed up for Momentum Multiply.
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Get the Momentum App on your phone.
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Find a bright spot with good light for your 90-second scan.
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Answer the health questions honestly (it’s quick, I promise).
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Check if you can do a Fitness Assessment to get that full 35% off.
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Put a reminder in your phone for January to do it all again.