Apple Watch app Cardiogram, which is designed to provide you with more information on the heart rate readings obtained from the Apple Watch, is teaming up with Greenhouse Life Insurance Company and Amica Life to offer up to $1,000 worth of accidental death insurance to Apple Watch owners.

Cardiogram users can get the deal starting today through the Cardiogram app for iOS. The offer is available in Wisconsin, Arizona, Indiana, and Georgia, and will be expanding to other states in the future.

cardiograminsurance
Greenhouse Life Insurance Company, launched from RGA, and Amica Life are the latest insurance companies to embrace the Apple Watch. Health and life insurance providers have been increasingly incorporating data from wearable devices into their plans to encourage preventative care.

Companies like John Hancock and Aetna, for example, provide discounted Apple Watch devices to their customers, encouraging them to be more active to improve health.

"Ultimately, life insurers save dollars by saving lives," said Brandon Ballinger, co-founder of Cardiogram. In multiple clinical studies, Cardiogram has validated the accuracy of its artificial intelligence-based algorithm, DeepHeart, to detect multiple chronic conditions - including hypertension, sleep apnea, diabetes and atrial fibrillation - using the heart rate sensor on consumer wearables. "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 Cardiogram accidental death insurance plan provides coverage in the case of a fatal accident. It is not as comprehensive as full coverage life insurance, but it does not require a medical examination. Customers who opt into a free $1,000 plan have the option to upgrade to $100,000 to $500,000 worth of coverage for $9 to $41 per month.

In addition to the Apple Watch, the program is also available for all devices that support Cardiogram, which includes accessories from Garmin and those that run WearOS from Google.

Cardiogram can be downloaded from the App Store for free. [Direct Link]

Top Rated Comments

ck2875 Avatar
39 months ago
"No cost"

...except for your privacy. You aren't getting $1,000 for dying and giving the insurance company nothing in return.

"Health and life insurance providers have been increasingly incorporating data from wearable devices into their plans to encourage preventative care."

Yeah. Insurance Companies aren't doing this out of the kindness of their own metaphorical hearts, or to encourage preventative care. They're simply hoping their customers will allow them to continuously monitor their vitals so that they can data mine your statistics, compare that data to the aggregate, and determine when they should increase your premiums once you start showing signs of heart health issues.

I immediately deleted Cardiogram when they started selling data to insurance companies.
Score: 19 Votes (Like | Disagree)
DipDog3 Avatar
39 months ago
$1,000 is almost enough for an iPhone.
Score: 12 Votes (Like | Disagree)
brandonballinger Avatar
39 months ago
Hi there, I'm a co-founder of Cardiogram.

First, on privacy—we don't sell your data, and we don't share your information without your explicit action. If you're using the Cardiogram app and you don't choose to sign up for this new offer, RGAx (or any other partner) won't receive any information about you. We believe in giving people options, but not making the choice for them.

Second, if you sign up, your health data isn't used to change your premiums or deny you coverage. Part of why we chose accidental death insurance is that it's "guaranteed issue" (anybody who applies, and meets the age/location criteria, gets it) and the premiums don't depend on the results of a medical exam.

Finally, why would anybody want accidental death insurance? It's mostly helpful to people who have families -- for example, if you wanted to ensure that in case of an accident, your spouse could pay the mortgage, your kids would have money for college etc. It's generally simpler and cheaper than whole life insurance or term life insurance (which require a medical exam), and tends to be preferred by younger people where accidents (e.g., car crashes) are their biggest risk.

Does that help answer your questions?
Score: 11 Votes (Like | Disagree)
Mr. Retrofire Avatar
39 months ago
Now I can die without additional costs!

Wonderful!
Score: 10 Votes (Like | Disagree)
macduke Avatar
39 months ago
Nothing is free. You are basically giving this company access to real-time medical data that they can likely do whatever they want with. Don't support the privacy creep. $1000 is going to mean jack-all when you're dead.
Score: 5 Votes (Like | Disagree)
EdT Avatar
39 months ago
Hi there, I'm a co-founder of Cardiogram.

First, on privacy—we don't sell your data, and we don't share your information without your explicit action. If you're using the Cardiogram app and you don't choose to sign up for this new offer, RGAx (or any other partner) won't receive any information about you. We believe in giving people options, but not making the choice for them.

Second, if you sign up, your health data isn't used to change your premiums or deny you coverage. Part of why we chose accidental death insurance is that it's "guaranteed issue" (anybody who applies, and meets the age/location criteria, gets it) and the premiums don't depend on the results of a medical exam.

Finally, why would anybody want accidental death insurance? It's mostly helpful to people who have families -- for example, if you wanted to ensure that in case of an accident, your spouse could pay the mortgage, your kids would have money for college etc. It's generally simpler and cheaper than whole life insurance or term life insurance (which require a medical exam), and tends to be preferred by younger people where accidents (e.g., car crashes) are their biggest risk.

Does that help answer your questions?
I can’t say I entirely believe you, because 10 years from now you may have sold any interest that you have in the company and whoever is in charge then may feel differently than you do about privacy.

But thank you for explaining how your company does things and what it will and won’t do with the data.
Score: 4 Votes (Like | Disagree)

Top Stories

apple california streaming event

Apple Event Announced: 'California Streaming' on September 14 With iPhone 13, Apple Watch Series 7 Expected

Tuesday September 7, 2021 9:03 am PDT by
Apple today announced that it will be holding a special event on Tuesday, September 14 at 10:00 a.m. The event will take place at the Steve Jobs Theater on the Apple Park campus in Cupertino, California. As with WWDC and last year's fall events, this new event will be held digitally with no members of the media invited to attend in person. Apple will likely provide pre-taped segments for...
iphone 12 colors 2021

iPhone 12 Colors: Deciding on The Right Color

Thursday November 5, 2020 8:35 am PST by
The iPhone 12 and iPhone 12 Pro arrived in October 2020 in a range of color options, with entirely new hues available on both devices, as well as some popular classics. The 12 and 12 Pro have different color choices, so if you have your heart set on a particular shade, you might not be able to get your preferred model in that color. iPhone 12 mini and iPhone 12 The iPhone 12 mini and iPhone...
studio buds family

Beats Studio Buds Debuting Today With Active Noise Cancellation, Stemless Design, and More for $150

Monday June 14, 2021 8:00 am PDT by
We've seen a lot of teasers about the Beats Studio Buds over the past month since they first showed up in Apple's beta software updates, and today they're finally official. The Beats Studio Buds are available to order today in red, white, and black ahead of a June 24 ship date, and they're priced at $149.99. The Studio Buds are the first Beats-branded earbuds to truly compete with AirPods...
youtube apple tv

YouTube Discontinuing 3rd-Generation Apple TV App, AirPlay Still Available

Wednesday February 3, 2021 3:09 pm PST by
YouTube is planning to stop supporting its YouTube app on the third-generation Apple TV models, where YouTube has long been available as a channel option. A 9to5Mac reader received a message about the upcoming app discontinuation, which is set to take place in March.Starting early March, the YouTube app will no longer be available on Apple TV (3rd generation). You can still watch YouTube on...
maroon5memories

Apple Collaborates With Maroon 5 to Add 'Memories' Song to Photos App

Wednesday September 25, 2019 12:02 pm PDT by
Apple has teamed up with Maroon 5 to add the group's new song "Memories" to the Memories feature in the Photos app, allowing it to be used for photo slide show creations, reports Billboard. "Memories" will be available as a soundtrack option for a limited time and it is available to iPhone and iPad users running the latest iOS 13 and iPadOS software. Memories in the Photos app are created ...
affinity designer contour tool

Serif Updates Affinity Photo, Designer, and Publisher With New Tools and Functions

Thursday February 4, 2021 1:58 am PST by
Serif today announced across-the-board updates for its popular suite of Affinity creative apps, including Affinity Photo, Affinity Designer, and the Apple award-winning Affinity Publisher for Mac, all of which were among the first professional creative suites to be optimized for Apple's new M1 chip. "After another year which saw record numbers of people switching to Affinity, it's exciting to...
original iphone

Phil Schiller Says iPhone Was 'Earth-Shattering' Ten Years Ago and Remains 'Unmatched' Today

Monday January 9, 2017 7:15 am PST by
To commemorate the tenth anniversary of the iPhone, Apple marketing chief Phil Schiller sat down with tech journalist Steven Levy for a wide-ranging interview about the smartphone's past, present, and future. The report first reflects upon the iPhone's lack of support for third-party apps in its first year. The argument inside Apple was split between whether the iPhone should be a closed...
Top Stories 75 Thumbnail

Top Stories: Last-Minute iPhone 13 Rumors, Apple Announces App Store Changes, and More

Saturday September 4, 2021 6:00 am PDT by
The finish line is in sight! Apple's annual iPhone event is likely just a week or so away and all eyes will be on the company as it unveils the next version of its most popular product line. With any luck, we'll also see the next-generation Apple Watch and perhaps even some new AirPods. Other news this week saw Apple making some more changes to its App Store policies in response to a...
Top Stories 74 Thumbnail

Top Stories: iPhone 13 Nears Launch, Larger Apple Watch?, MacBook Pro and Mac Mini Rumors

Saturday August 28, 2021 6:00 am PDT by
August is rapidly drawing to close, which means Apple's annual iPhone launch event is right around the corner. iPhone 13 and Apple Watch Series 7 rumors are continuing to circulate, and we're also hearing about Mac updates likely coming a bit later. Apple is also finishing up work on its upcoming software updates like iOS 15, with some late-addition features starting to go live in beta while ...
iPhone 13 Wi Fi 6E feature update

Wi-Fi 6E Explained: What It Could Mean for iPhone 13 and Beyond

Monday August 2, 2021 8:00 am PDT by
The iPhone 13 is widely expected to come with Wi-Fi 6E capabilities, and while it may seem rather nuanced to the average consumer, with only improved speeds and being "up to date" in the realm of Wi-Fi technology, it's actually a fairly significant improvement, laying the groundwork for much of what we know the future holds. To truly understand Wi-Fi 6E, MacRumors sat down for an exclusive...