Your Health & Lifestyle Score
By WeCovr
Get a snapshot of your wellness in 2 minutes.
Small, consistent lifestyle choices are the foundation of long-term health. This assessment is designed to give you a simple "Lifestyle Score" based on your answers to key questions about diet, exercise, and other factors. It's a confidential way to reflect on your habits and identify areas where you're thriving and where there might be room for improvement.
Answer the questions below to receive your score and take the first step towards a more proactive approach to your well-being.
Health & Lifestyle Assessment
1.
How often do you engage in at least 30 minutes of moderate exercise?
2.
How would you describe your diet in terms of fresh fruit and vegetables?
3.
How many units of alcohol do you consume per week? (A pint of beer or medium glass of wine is ~2-3 units)
4.
Which of these best describes you?
5.
How would you rate your typical stress levels?
Health risk assessment guide for UK adults
WeCovr's health risk assessment offers a quick lifestyle score for UK adults, supported by FCA-authorised guidance and 900,000+ policies issued across protection products. It is designed to help you reflect on habits that influence long-term health and insurance planning.
What this health risk assessment provides
The assessment asks short questions on habits such as activity, diet, sleep, and stress to produce a simple lifestyle score. It is informational and not a medical diagnosis.
Use the score as a starting point for changes and for understanding how lifestyle can influence insurance terms.
Fast self-assessment for lifestyle awareness.
Highlights areas for improvement.
Not a clinical risk tool or diagnosis.
How lifestyle can affect cover and premiums
Insurers assess lifestyle factors such as smoking and BMI when pricing protection policies. Improving habits can reduce risk and sometimes improve premium outcomes.
Why WeCovr supports wellbeing
WeCovr provides FCA-authorised guidance with high customer satisfaction ratings. We also offer complimentary access to the CalorieHero AI calorie tracking app and discounts when customers take PMI or Life insurance.
Data sources and guidance references
This guide references NHS lifestyle guidance and FCA information on insurance advice.
Lifestyle focus areas
| Area | Typical impact | Why it matters | Next step |
|---|---|---|---|
| Activity | Lower risk | Supports heart health | Aim for weekly movement goals |
| Sleep | Lower stress | Recovery and resilience | Improve sleep routine |
| Nutrition | Weight and energy | Supports long-term health | Increase whole foods |
Related WeCovr resources
FAQs
Is this health risk assessment a medical diagnosis?
No. It is a lifestyle awareness tool and not a substitute for medical advice or diagnosis.
Can my lifestyle affect insurance premiums?
Yes. Factors like smoking status and BMI can influence underwriting and pricing.
How often should I repeat the assessment?
Revisit it after making lifestyle changes or every few months to track progress.
Should I see a doctor based on my score?
If you have concerns about your health, you should speak with a qualified healthcare professional.
Important Disclaimer: This tool is for informational purposes only and does not provide a medical diagnosis or clinical risk assessment. The score is illustrative and intended to promote wellness awareness. It is not a substitute for professional medical advice, diagnosis, or treatment. Please consult with a qualified healthcare provider for any health concerns.