Envela partnership expands agent toolkit with health screenings

The Insurance Collaboration to Save Lives, a nonprofit seeking to save lives by improving health outcomes, just got a little closer to achieving its goal thanks to a new partnership with tech-driven insurance platform Envela.

“We think there’s a huge opportunity to help Americans live healthier lives by insurers connecting insureds with the tools they need and the insight they need to get better control of their health. So, over the long term, we’re going to save a million lives by changing the industry,” Josh Stirling, founder, ICSL, said.

About a year ago, ICSL partnered with Ulta Labs to secure reduced rates for blood tests and health screenings for Americans.

Now, Envela’s agents will also be equipped to offer discounted medical screenings bundled with insurance policies.

“We’re working with Envela’s agents to provide their policy orders with those testing and screenings that they can immediately go to market with. We also have a health solutions network that we’re working with their team as well,” Mitch Bagley, marketing director, ICSL, added.

Negative health trends

According to Stirling, the ICSL initiative kicked off in the aftermath of COVID-19, when insurance leaders noticed an alarming trend of excess mortality and higher rates of serious illnesses such as cardiac and circulatory cancers, neurological conditions and other diseases linked to diabetes and obesity.

“Our view is that identification is the first step to trying to address these issues. If you can help individuals get more aware of their own health in a very low-cost way, then you can start to shift folks into some combination of medical care and lifestyle changes that can address a lot of these things,” Stirling explained.

The idea was that in doing so, the ICSL could help “live out more of the promise of the insurance industry — which is really to care for your neighbor and build a sustainable, healthier, safer world in which we live.”

“Our thought is that since the health dynamics have changed since the post-pandemic, if you could provide policyholders with an up-to-date assessment of their health, that’s ultimately going to help create healthier communities, but also help insurers and trust advisors in the process,” Bagley said.

Ken Hampton, founder, Envela, said his team is excited about the prospect as he can “think of nothing more important than helping people live a healthier, longer life.”

“You know, there’s a prevailing mindset, especially in the U.S., that ‘I’ll handle it later. I’ll handle my health later; I’m fine now. When it becomes a real problem, I’ll handle it.’ Same thing goes with purchasing insurance or life insurance – we try to put these things off,” Hampton noted.

He believes Envela’s agents can encourage more proactive practices, thanks to this new partnership.

“I think what agents bring to customers through advice and good, simple, direct conversations is understanding what the true risk is around not addressing either your insurance coverage or your health now so that you don’t have those catastrophic events down the road — and if you do, you’re prepared, either through better healthcare or through your insurance policy,” he said.

Living healthier, wealthier and wiser

ICSL’s message resonated with Envela, which Hampton described as a firm that “believes in helping people, and the power of connections and relationships.”

“Having that modern infrastructure with a human connection really helps empower agents to make a difference in the communities that they live and serve in. And the goal, again, is to save a million lives,” Rachel Hislop, CMO, Envela, added.

“It comes down to helping clients, and the insurance industry has very clear goals around indemnity and helping people avoid catastrophic events. I think it’s a win-win because insurance companies, insurance agents, everybody benefits when we all live healthier, wealthier and wiser,” Hampton said.

Bagley noted that while the partnership between the ICSL and Envela is still in the early stages, they’re “very much excited about the impact and trajectory that agents can have with their policyholders to curb some of the health trends.”

“We’re excited to see Ken and Rachel grow their business by selling an opportunity to live a healthier life to their customers and empowering their agents to have more sales tools in their toolkit,” Stirling said.

In his view, Envela is now leading the charge to build a new model for a value proposition for consumers that lies in direct contrast to the “tired” sales cycle in life and P&C insurance — which tends to boil simply down to a race to offer the lowest rates.

“It’s a challenging conversation to add value in. But if you’re trying to be an advisor and help your clients deal with some of the most important issues to them and their families in a proactive way, that’s a really differentiated sales offering… and that’s something we’re very excited to support,” Stirling said.

The Insurance Collaboration to Save Lives, founded in 2022, is a non-profit coalition of insurance and healthcare leaders dedicated to promoting health and wellness and reducing industry losses.

Envela is a technology-driven insurance platform founded in 2024 and based out of Franklin, Tennessee.

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Rayne Morgan is a journalist, copywriter, and editor with over 10 years' combined experience in digital content and print media. You can reach her at [email protected].