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Cardiogram Launches Insurance Program for Wearable Technology Users

In View Summary

In partnership with Amica Life and Greenhouse Life Insurance, Cardiogram – a Health App developer has announced the launch of – Accidental Death insurance coverage for wearable technology users.

This product offers Apple Watch, Android Wear, or Garmin wearers the opportunity to qualify for $1,000 of term life insurance for free for 12 months. Qualified Cardiogram users then have the option to purchase up to $500,000 of additional Accidental Death insurance coverage through the app in as little as three minutes.  The cover runs on an AI algorithm called DeepHeart which is capable of detecting multiple chronic conditions such as hypertension, sleep apnea, diabetes and atrial fibrillation – using the heart rate sensor on consumer wearables.

Unlike term life insurance or whole life insurance, AD insurance has no deductible, does not require a medical exam, and is generally quick and easy to obtain.

Brandon Ballinger, co-founder of Cardiogram has said of the launch: “This launch is a step toward using wearables to improve health. One of the first challenges we faced was to distill the complex world of life insurance into a simple set of screens that ordinary people can understand on their phones.

The cover is available to Cardiogram app users on both iPhone and Android devices in selected states, and is compatible with multiple wearables, including Apple Watch. Google’s WearOS platform and the Garmin Forerunner, Fenix, and Vivoactive series.

Reported Benefits

Benefits to Customers:

  • Convenient and Transparent coverage that utilizes health related sensors of SmartWatches.
  • Basic research into preventative healthcare.

Benefits to the Insurer:

  • Improved customer engagement and retention
  • Lower operational costs
  • Increased reachability

The Digital Insurer's View

Although this Automated Accidental Death coverage insurance for Wearables is an early step into validating claims based on digital data, consumers are still  uncomfortable sharing their personal information, nor do they inherently trust insurers to dealing with such data accurately. Solutions such as Cardiogram’s AD coverage is an interesting starting point as it enables automated underwriting based on electronic health records, thereby helping to improving customer trust which will begin to address the underlying resistance to wearable use cases that share personal data.


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