WTW has partnered with health data analytics provider Klarity to incorporate data derived from wearable technology into life insurance underwriting.  

The alliance will enhance the accuracy of life insurance pricing, stated the brokerage. 

Klarity has developed a risk scoring mechanism that provides individual mortality scores to address limitations in traditional assessments that overlook key health indicators, a press release said. 

The tool, based on more than six million life years of data over 12 years, integrates data from external sources including smartwatches and other wearable devices that monitor various health metrics. 

The efficacy of Klarity’s mortality score predictions has been tested by WTW using data from the National Health and Nutrition Examination Survey (NHANES).  

The findings from WTW’s analysis indicate that the model offers detailed assessment of individual mortality risks, enabling better risk stratification and accurate insurance pricing. 

Klarity Founder and CEO Will Cooper said: “By integrating AI-driven insights with diverse health and behavioural data, we have built a model that not only enhances underwriting accuracy but also strengthens customer engagement and loyalty.  

“Our collaboration with WTW not only validates the model’s performance in North America – it also reveals how many applicants are under or over-classified by traditional methods.”  

WTW Insurance Consulting & Technology senior director Mary Bahna-Nolan said: “Klarity’s model is a prime example of how predictive analytics – coupled with data representative of an individual’s health indicators and habits such as movement or activity, heart rate and sleep – can redefine risk assessment and improve mortality prediction.  

“Eventually, this will open the door to more personalised pricing and rethinking customer experience and engagement.” 

On 31 July, WTW announced its financial results for the second quarter of 2025, with net income reported at $332m (£249.89m), a 134% year-on-year increase.