Introduction

Wearable devices tracking health metrics offer insurers real-time health data improving life insurance underwriting accuracy.

Data Integration and Health Metrics

Platforms aggregate wearable data (activity levels, heart rate patterns, sleep quality) providing health assessments supporting pricing decisions.

Fairness and Access Considerations

Wearable-based pricing must avoid discrimination against those unable or unwilling to provide data.

Conclusion

Wearable data improves life insurance risk assessment while managing fairness concerns.