WTW and Klarity Partner to Enhance Life Insurance Underwriting with Wearable Data

Willis Towers Watson (WTW) has partnered with Klarity, a health data analytics company, to integrate wearable technology data into life insurance underwriting. This collaboration aims to improve the precision of life insurance pricing by leveraging advanced data analytics. Klarity’s risk scoring mechanism calculates individual mortality scores using extensive datasets, including health metrics from wearable devices such as smartwatches. These scores address shortcomings of traditional underwriting methods that often miss critical health indicators.

Klarity’s mortality risk model is based on over six million life years of data gathered over 12 years, incorporating information from external sources like wearable technology devices that monitor heart rate, activity levels, and sleep patterns. WTW has validated the model’s predictive capacity using data from the National Health and Nutrition Examination Survey (NHANES), confirming its enhanced ability to assess mortality risks with greater granularity.

According to WTW, this refined risk stratification facilitates more accurate insurance pricing and has potential implications for personalized policy offerings. The integration of AI-driven analytics with diverse health and behavioral data also supports improved customer engagement through tailored underwriting processes. These advancements mark a significant shift toward data-enriched, technology-enabled underwriting practices in the life insurance sector.

WTW’s senior leadership highlights the importance of predictive analytics, combined with comprehensive health data, as revolutionary for life insurance risk assessment. This approach could eventually transform how insurers evaluate applicants and structure pricing models, promoting a more refined understanding of individual risk profiles. The partnership underscores a broader industry trend of adopting digital health data to refine insurance underwriting and pricing strategies.

WTW's recent financial results reflect strong business performance, with net income increasing by 134% year-over-year to $332 million in Q2 2025, demonstrating the company’s growing market strength alongside these innovative initiatives.