Recognizing the unprecedented opportunity life insurers have to connect with their policyholders through wearable technology, Manulife and its U.S. unit, John Hancock, rolled out the Vitality program last year. With two different brands and two different markets to fulfill, the implementations weren’t exactly identical.

The Vitality Group, based in South Africa with offices in Chicago, provides a framework, including white-labeled customer portals, for individually tailored wellness programs. Manulife and John Hancock policyholders who opt in for Vitality can use a range of wearable devices, from FitBits to Apple Watches, to report data on their health habits. Customers are provided initial 10% premium discounts, which increase or decrease based on how well they meet certain health-related targets, like exercise and healthy eating.

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