Life & Health Metrics is a spin off company from AI biotech startup Gero.AI (https://gero.ai) We offer a platform (API, SDK, "white label") for health scoring in the form of biological age evaluation based on smartphone data of movement patterns. The smartphone automatically accumulates data on step count that allows us to make instant assessments and track the dynamics of one's biological age. Comparing of the chronological and biological age could be an indicator of one's health status. Such method can help insurers to validate risk using new type of data. Unlike any competitors, our approach is based solely on already collected smartphone data and does not require any additional wearable devices or manual inputs. Biological age can be measured by gene, blood, urine and other methods with medical tests, however our solution does it instantly and automatically. Modern financial services' approach requires taking into account personal characteristics and preference of the client, however the weakest point in the overall risk evaluation is to determine the health status of the client at the moment of first interaction. Biological age model allows us to evaluate the process of ageing and predict longevity, which opens the door to retirement planning and annuities markets.