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Josh Hart co-founded YuLife in 2016 and serves as its Chief Product and Technology Officer. YuLife is the life insurance platform that rewards people for living well, operating across the UK and South Africa. Josh’s first company was Chelsea Apps Factory, which he founded and grew to 120 people, making it the UK’s largest privately held enterprise mobile consultancy. He built products for clients across insurance, healthcare, finance, and pharma. It taught him how to scale a team, ship under pressure, and build things that work. It also taught him that he wanted to build for himself.

YuLife is the result. Josh leads product, engineering, and design, and is the architect behind Yunity, the company’s AI intelligence layer that automates the full insurance lifecycle. But the technology is shaped by two passions that sit at the core of everything he does: user experience and game design. Josh believes that the best products are not just functional, they are magnetic. The gamification engine inside YuLife, the reward loops, the daily nudges, the micro-interactions that turn insurance into something people actually want to open, all come from a deep belief, that how something feels, determines whether anyone uses it at all.

He is direct, warm, and relentlessly focused on the people he builds with and the people he builds for. He lives in the UK with his young family.