Alula Technologies integrated wearable health data through ROOK Connect to gain user insights and enrich its product.
Alula TechnologiesCase study
Read the case studyInsurance
How insurers use ROOK.
ROOK gives insurers wearable data to enrich risk models, personalize policies and engage policyholders.
Risk models and pricing
- Risk assessmentWearable data gives actuarial teams behavioral signals to enrich risk models and personalized policies.
- Pricing incentivesInsurers can reward healthy behaviors with discounts based on activity data.
Health and prevention programs
- Wellness programsOffer incentives for healthy behaviors, such as exercise goals or regular checkups.
- Ongoing engagementContinuous activity and sleep data keeps policyholders engaged between renewals.
Underwriting and claims
- Underwriting dataObjective wearable data supports your underwriting evaluation.
- Claims follow-upContinued device data after a claim helps insurers follow recovery programs.
What insurers get
- Deeper risk dataBehavioral data from wearables adds depth to risk models.
- One integrationConnect many wearables and devices through one API.
- Better policyholder experiencePersonalized, data-driven programs that policyholders can see and use.
Case studies
Insurance companies building on ROOK.
Insurers use ROOK to turn wearable data into programs policyholders engage with.
Industry research
Reinsurers already study wearable data for underwriting.
Munich Re has published research on how wearable activity data can inform life insurance risk assessment.
- The future is now: wearables for insurance risk assessmentSteps per day measured by wearable sensors separated mortality risk even after age, smoking, BMI, blood pressure and health history were taken into account.Read on Munich Re
- Next-gen data sources in life underwriting: Physical activity data from wearablesHow physical activity data from wearables can be evaluated as an input to life underwriting decisions.Read on Munich Re
- Next-gen data sources in life underwriting: Series overview and methodologyThe method Munich Re uses to assess new data sources, wearables among them, before they are used in life underwriting.Read on Munich Re
FAQ
Frequently asked questions about ROOK for Insurance
How Insurance teams use ROOK wearable data.
How do insurers use wearable data from ROOK?
Insurers use activity, sleep and heart rate data to enrich risk models, personalize policies, reward healthy behaviors and engage policyholders.
Can wearable data support underwriting?
Yes. Objective wearable data supports underwriting evaluation and adds behavioral depth to risk models.
How does ROOK help after a claim?
Continued device data after a claim helps insurers follow recovery programs.
How many devices can insurers connect through ROOK?
ROOK Connect links 72 data sources and more than 500 devices through one API.
Which insurance companies build on ROOK?
Alula Technologies uses ROOK to turn wearable data into programs policyholders engage with.
No questions match that yet. Try another word or topic.
Still have questions?Our team can review your sources and use case with you.
Schedule a demo Articles on insurance from the ROOK blog
- How Is Wearable Health Data Changing Insurance?The data wearables collect, how insurers and policyholders use it, and trends in wearable-based insurance.Read more
- How can wearable data improve insurance underwriting?How wearable data on activity, sleep and heart rate variability can add a current view of risk to insurance underwriting, and what still stands in the way.Read more
- How Is Predictive Analytics Changing the Insurance Industry?How predictive analytics and digital-first strategies change insurance risk assessment, premium pricing, sales, underwriting, and claims processing.Read more
Nothing matches that search.
Build on better health data
Imagine what you can build with ROOK.
Connect the sources your users rely on, standardize what comes back, and build workflows that respond to change.