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Personal wearables and life insurance

Personal wearables and life insurance

Personal wearables can be a great way to help you maintain a healthier lifestyle. These popular devices give you valuable health information which you can use to help improve your overall health and fitness.

But could wearing a fitness tracker have a positive impact on your life insurance?

Kamran Altaf
From the Life team
minute read
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Posted 17 JULY 2020

What are personal wearables?

A personal wearable is an electronic device that you can wear on your body to collect data. These devices can help you to monitor your health and fitness levels to some extent.

The most popular personal wearables are fitness trackers. They’re worn on the wrist in the same way as a watch or bracelet.

These wrist devices are equipped with sensors to keep track of your physical activity. Most fitness trackers sync with an app that you can download onto your smartphone.

Personal wearables are typically used on a daily basis to track and measure:

  • your steps
  • your weight
  • calories burned
  • sleep patterns
  • heart rate

Some devices also track sport-specific exercises including running, swimming and workout sessions.

Another popular feature is an ‘inactivity alert’ - your device will alert you if you’ve been inactive for too long.

What are the benefits of wearables?

Personal wearables won’t magically make you healthy. But fans of the devices believe they can help you stay motivated and encourage you to maintain a healthier lifestyle.

Aside from those people using them to monitor their own health, personal wearables are being distributed by healthcare professionals to some patients. In 2019, the NHS distributed wearable tech that monitors exercise levels, to people at risk of developing Type 2 diabetes.

Could personal wearables impact life insurance?

Insurance is all about calculating risk, so it isn’t surprising that life insurance providers are showing interest in what wearables and other tech can do.

However, owning a personal wearable won’t, in itself, have a direct impact on your life insurance premium.

When you apply for life insurance, your insurance provider will ask several questions relating to your health and lifestyle.

These could include questions about:

Used correctly, personal wearables could potentially motivate you to:

  • lose weight
  • eat more healthily
  • be more active
  • sleep better

If a personal wearable helps you to maintain a healthier lifestyle, it may result in a more affordable life insurance premium.

Compare life insurance

Comparing life insurance with us could also help you save money on your premium.

Our latest data shows that 50% of customers could achieve a life insurance quote of just £25.84** per month for up to £100,000 worth of life insurance cover.

Get a quote today and see if you could start saving.

**50% of people could achieve a quote of £25.84 per month for their life insurance for up to £100,000 worth of cover, based on Compare the Market data in May 2020.

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