The last seven days have been exciting for the next wave in Life insurance (and Health). Last week we saw John Hancock introduce the Vitality program into the US. This week we have a collaboration between IBM, Apple and Medtronic, the huge maker of medical devices. Just yesterday we had an inquiry from a major Life insurance company asking about a service that consolidates data from multiple users of wearables. We were not aware of a major player offering the service, but that same afternoon, this partnership was announced. As the use of wearables increases, particularly for use beyond an individual’s fitness, it will be critical for standards and services to emerge to bring this data to multiple users. Including Life insurance companies. Of course, we still have the obvious challenge of competition in the industry. This is great for users of Apple and Medtronic’s products, but what about people wearing a Moto 360 or Fitbit? We are not quite there yet, but everything happens with a first step. I commented the other day to a colleague that this is the most excitement we have had in Life insurance since the introduction of Universal Life in the 1980s. The pace will only increase.