# EDGAR Filing Document

**Accession Number:** 0001812360
**File Stem:** 0001493152-25-027961
**Filing Date:** 2025-12
**Character Count:** 16407
**Document Hash:** 8ac6d973727471facfef64d2919a860e
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001493152-25-027961.hdr.sgml**: 20251216

**ACCESSION NUMBER**: 0001493152-25-027961

**CONFORMED SUBMISSION TYPE**: 8-K

**PUBLIC DOCUMENT COUNT**: 14

**CONFORMED PERIOD OF REPORT**: 20251215

**ITEM INFORMATION**: Regulation FD Disclosure

**ITEM INFORMATION**: Financial Statements and Exhibits

**FILED AS OF DATE**: 20251216

**DATE AS OF CHANGE**: 20251216

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** FOXO TECHNOLOGIES INC.
- **CENTRAL INDEX KEY:** 0001812360
- **STANDARD INDUSTRIAL CLASSIFICATION:** SERVICES-COMMERCIAL PHYSICAL & BIOLOGICAL RESEARCH [8731]
- **ORGANIZATION NAME:** 08 Industrial Applications and Services
- **EIN:** 851050265
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 8-K
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 001-39783
- **FILM NUMBER:** 251575219

**BUSINESS ADDRESS:**
- **STREET 1:** 477 SOUTH ROSEMARY AVENUE
- **STREET 2:** SUITE 224
- **CITY:** WEST PALM BEACH
- **STATE:** FL
- **ZIP:** 33401
- **BUSINESS PHONE:** (612) 800-0059

**MAIL ADDRESS:**
- **STREET 1:** 477 SOUTH ROSEMARY AVENUE
- **STREET 2:** SUITE 224
- **CITY:** WEST PALM BEACH
- **STATE:** FL
- **ZIP:** 33401

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** Delwinds Insurance Acquisition Corp.
- **DATE OF NAME CHANGE:** 20200518

?xml version='1.0' encoding='ASCII'?

**UNITED STATES**

**SECURITIES AND EXCHANGE COMMISSION**

**Washington, D.C. 20549**

**FORM 8-K**

**CURRENT REPORT**

**Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934**

**Date of Report (Date Earliest Event Reported): December 15, 2025**

**FOXO TECHNOLOGIES INC.**

**(Exact name of registrant as specified in its charter)**

---

| | | |
|:---|:---|:---|
| Delaware | 001-39783 | 85-1050265 |
| **(State or Other Jurisdiction**<br> **of Incorporation)** | **(Commission**<br> **File Number)** | **(IRS Employer**<br> **Identification No.)** |

---

---

| | |
|:---|:---|
| 477 South Rosemary Avenue<br> Suite 224<br> West Palm Beach, FL | 33401 |
| **(Address of Principal Executive Offices)** | **(Zip Code)** |

---

(612) 800-0059

**(Registrant's telephone number, including area code)**

**(Former name or former address, if changed since last report.)**

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

☐ Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act:

---

| | | |
|:---|:---|:---|
| **Title of each class** | **Trading Symbol(s)** | **Name of each exchange on which registered** |
| N/A |  |  |

---

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).

Emerging growth company ☒

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

**Item 7.01 Regulation FD Disclosure.**

On December 15, 2025, FOXO Technologies Inc., a Delaware corporation (the "**Company**"), issued a press release which announced Chief Executive Officer Seamus Lagan has provided a Year-End Review to shareholders. A copy of the press release is attached hereto as Exhibit 99.1 and is incorporated herein by reference.

The information under this Item 7.01, including Exhibit 99.1 hereto, is being furnished herewith and shall not be deemed "filed" for the purposes of Section 18 of the Exchange Act, or otherwise subject to the liabilities of that section, nor shall such information be deemed incorporated by reference into any filing under the Securities Act of 1933, as amended, or the Exchange Act, except as expressly set forth by specific reference in such filing. Furthermore, the furnishing of information under Item 7.01 of this Current Report on Form 8-K is not intended to constitute a determination by the Company that the information contained herein, including the exhibit hereto, is material or that the dissemination of such information is required by Regulation FD.

**<u>Cautionary Statement Regarding Forward-Looking Statements</u>**

This Current Report on Form 8-K contains "forward-looking statements." Any statements contained in this Current Report on Form 8-K that do not describe historical facts may constitute forward-looking statements. In some cases, you can identify forward-looking statements by terminology such as "if," "may," "should," "expects," "plans," "anticipates," "believes," "estimates," "predicts," "potential" or "continue" or the negative of these terms or other comparable terminology. These forward-looking statements are based on information currently available to the Company's management as well as estimates and assumptions made by its management and are subject to risks and uncertainties that may cause actual results, performance or developments to differ materially from those contained in the statements. These statements are only predictions and involve known and unknown risks, uncertainties and other factors, which may cause the Company's or its industry's actual results, levels of activity or performance to be materially different from any future results, levels of activity or performance expressed or implied by these forward-looking statements. These forward-looking statements are made as of the date of this Current Report on Form 8-K, and the Company does not undertake an obligation to update these forward-looking statements after such date.

**Item 9.01 Financial Statements and Exhibits.**

(d) Exhibits.

---

| | |
|:---|:---|
| **Exhibit**<br> **Number** | **Description of Exhibit** |
| 99.1 | [Press Release Dated December 15, 2025](ex99-1.htm) |
| 104 | Cover Page Interactive Data File (formatted in Inline XBRL) |

---

**SIGNATURES**

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

---

| | | |
|:---|:---|:---|
|  | **FOXO Technologies Inc.** | **FOXO Technologies Inc.** |
| Date: December 16, 2025 | By: | */s/ Seamus Lagan* |
|  | Name: | Seamus Lagan |
|  | Title: | Chief Executive Officer |

---

## Exhibit 99.1

**Exhibit 99.1**

![](ex99-1_001.jpg)

**FOXO TECHNOLOGIES INC. CEO SEAMUS LAGAN PROVIDES YEAR-END REVIEW TO SHAREHOLDERS**

WEST PALM BEACH, FL, December 15, 2025 (GLOBE NEWSWIRE) — **FOXO Technologies Inc. (OTC: FOXO)** (the "Company"), announces Chief Executive Officer Seamus Lagan has provided the following Year-End Review to shareholders:

FOXO Shareholders:

As we rapidly approach year-end, I wanted to reach out to our shareholders to review key milestones of 2025 and preview our go-forward operating and growth strategy. Much of the foundation of the "new" FOXO was created in mid-2024 when the Company acquired both Myrtle Recovery Centers, Inc. and Rennova Community Health, Inc. (including its principal subsidiary, Scott County Community Hospital, Inc.). More recently, we expanded our portfolio of healthcare-related businesses through the acquisition of Vector BioSource, Inc.

**<u>Myrtle Recovery Centers</u>**

Since opening its doors in August 2023, Myrtle's first location in Oneida, Tennessee has positioned itself as a leading provider of residential and medically supervised withdrawal treatment services for substance use disorders in greater Tennessee. Key aspects of the business include:

● Has served patients from 63 of 95 counties in Tennessee since opening

● Current average daily census of 28 (93% occupancy) compared to average daily census of 7.4 for 2024 (25% occupancy)

● Patient treatment mix is approximately 85% residential treatment services and 15% medically supervised withdrawal services

● Projected patient admissions of 550 for 2025 compared to 195 patient admissions in 2024

● Received numerous local and statewide accolades and has received awards for its community outreach and care model

● Been awarded funding through the State of Tennessee Opioid Abatement Fund for treatment of uninsured patients in Scott County, Tennessee

● Working with software developers on a mobile application called "Evana" that seeks to connect Myrtle's post-discharge patient population with Myrtle care professionals with the goal of monitoring and meeting patient after-care needs. Myrtle expects the application will provide improved patient care and satisfaction after discharge, aid in development of a strong alumni support system as well as increase the overall awareness of Myrtle capabilities in the communities it serves.

With its Oneida facility consistently at capacity and having excess referrals, Myrtle is actively considering other locations to replicate its operating model.

**<u>Rennova Community Health (including Scott County Community Hospital)</u>**

Scott County Community Hospital, known as Big South Fork Medical Center, is FOXO's flagship acute care hospital (designated as a Critical Access Hospital) serving Scott County, Tennessee and surrounding communities. The facility offers inpatient (including swing bed) services and outpatient and emergency room services alongside a range of ancillary services such as lab, radiology, pharmacy and respiratory services. Hospital profile:

● Projected to see over 7,000 ER patients in 2025 in addition to over 3,500 outpatient visits and 300 inpatient stays

● Recently added swing bed (inpatient) and wound care (inpatient and outpatient) services

● In-network with all major payors (including Medicare Advantage plans and Tennessee Medicaid managed care plans)

**<u>Vector BioSource</u>**

We believe our most recent acquisition of Vector BioSource, Inc. ("Vector") establishes FOXO as a growing player in the pharmaceutical services sector. Vector sources biospecimens (blood, urine) and sells such biospecimens to the biotechnology and pharmaceutical research sectors both in the US and abroad. We expect Vector to generate approximately $1 million of net revenues for 2025 and expect significant growth of the business as we invest capital to build infrastructure, expand markets and secure propriety sources of supply. Moreover, we see significant additional acquisition opportunities in this sector.

**<u>Corporate and Growth Outlook</u>**

From a corporate perspective, we had an active year where several legacy liabilities were settled for cash or more often with FOXO preferred stock. In addition, we both strengthened and streamlined our corporate management team. Our financials demonstrate:

● Reported net revenues of approximately $12 million for the nine months ended September 30, 2025 and expect to exceed $15 million in net revenues for the full year ended December 31, 2025

● Strengthened equity—equity increased from $5.3 million at December 31, 2024 to $20.2 million at September 30, 2025

● Reduced debt from $10.2 million at December 31, 2024, to $7.1 million at September 30, 2025

● Settled in full the $2.3 million legacy liability to Smithline

● Restructured approximately $3.5 million of legacy PIK note debt to preferred stock

We remain optimistic in our operating subsidiaries and are looking intently at augmenting organic growth with acquisitions. In connection with the Company's acquisition strategy, the Company formed a wholly owned subsidiary, FOXO Acquisition Corporation ("FAC"), that intends to serve as vehicle to make acquisitions and created a new series of preferred stock designated as Series E Cumulative Redeemable Secured Preferred Stock ("Series E Preferred Stock"). The Series E Preferred Stock is not convertible to common stock, is secured by the equity of FAC, has a 2.5% per annum cash dividend and a 5% per annum common stock dividend. Our most recent acquisition, Vector BioSource, Inc., was acquired using the FAC subsidiary and a portion of the acquisition consideration was in the form of Series E Preferred Stock. We intend to list our Series E Preferred Stock with its own trading symbol; however, an eventual listing is not a certainty.

After losing the NYSE American listing of our common stock in the third quarter of 2025 because our minimum share price did not meet the continued listing requirements for NYSE American, we continue to consider options to uplist our common stock to NYSE American or another recognized stock exchange; however, there is no certainty of an eventual uplist. We hope this can be achieved in 2026.

Sincerely,

Seamus Lagan

Chief Executive Officer

**About FOXO Technologies Inc. ("FOXO")**

FOXO owns and operates four key subsidiaries.

Rennova Community Health, Inc., owns and operates Scott County Community Hospital, Inc. (d/b/a Big South Fork Medical Center), a critical access designated (CAH) hospital in East Tennessee.

Myrtle Recovery Centers, Inc., a 30-bed behavioral health facility in East Tennessee. Myrtle provides inpatient services for medically supervised withdrawal treatment and residential treatment and outpatient services for MAT and OBOT programs.

Vector BioSource, Inc. is an information, data and biospecimen sourcing provider serving the biotechnology, clinical research and pharmaceutical research industries.

FOXO Labs, Inc. is a biotechnology company dedicated to improving human health and life span through the development of cutting-edge technology and product solutions for various industries.

For more information about FOXO, visit <u>www.foxotechnologies.com</u>.

**Forward-Looking Statements**

This press release contains forward-looking statements that include words such as "expects," "anticipates," "believes," "intends," "plans," "projects," "estimates," "may," "will," "should," "could," or similar expressions, are forward-looking statements. These statements are not historical facts, including statements about the FOXO's beliefs and expectations, are forward-looking statements. Forward-looking statements involve inherent risks and uncertainties, and a number of factors could cause actual results to differ materially from those contained in any forward-looking statement. These factors include, but are not limited to the risk of changes in the competitive and highly regulated industries in which FOXO operates; variations in operating performance across competitors or changes in laws and regulations affecting FOXO's business; the ability to implement FOXO's business plans, forecasts, and other expectations; the ability to obtain financing; the risk that FOXO has a history of losses and may not achieve or maintain profitability in the future; the enforceability of FOXO's intellectual property, including its patents and the potential infringement on the intellectual property rights of others; and the risk of downturns and a changing regulatory landscape in the highly competitive industries in which FOXO operates. The foregoing list of factors is not exhaustive. Readers should carefully consider the foregoing factors and the other risks and uncertainties discussed in FOXO's most recent reports on Forms 10-K and 10-Q, particularly the "Risk Factors" sections of those reports, and in other documents FOXO has filed, or will file, with the SEC. These filings identify and address other important risks and uncertainties that could cause actual events and results to differ materially from those contained in the forward-looking statements. Forward-looking statements speak only as of the date they are made. Readers are cautioned not to put undue reliance on forward-looking statements, and FOXO assumes no obligation and does not intend to update or revise these forward-looking statements, whether as a result of new information, future events, or otherwise.

**Contact:**

Sebastien Sainsbury

<u>ssainsbury@foxotechnologies.com</u>

(561) 485-0151