Source: WTW

WTW, a global advisory, broking, and solutions company, and Klarity, a UK-based health data analytics firm, are working together to help life insurers improve pricing accuracy by integrating wearable technology and data into their underwriting processes.

WTW’s collaboration with Klarity included testing the efficacy of the model’s mortality score predictions on data from the U.S., leveraging data from the National Health and Nutrition Examination Survey (NHANES). WTW’s analysis found that Klarity’s model can more clearly identify individual mortality risk profiles, enabling improved risk segmentation and insurers to align pricing more accurately than traditional underwriting metrics alone.

Will Cooper, Founder and CEO of Klarity, said: “By integrating AI-driven insights with diverse health and behavioral data, we’ve 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. This opens the door to more accurate, inclusive and dynamic underwriting.”

Mary Bahna-Nolan, Senior Director, Insurance Consulting & Technology, WTW, said: “The life insurance industry has a unique opportunity to harness the power of data to deliver more personalised outcomes that reflect real-world health habits. 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.”

Read the full article: https://www.wtwco.com/en-gb/news/2025/08/wtw-and-klarity-collaborate-to-boost-insurance-underwriting-accuracy-by-harnessing-wearable-health