Lots of potential customers may be predisposed to the plan. Parks Associates' Wearables Research study found that 52 percent of the 8.5 million U.S. broadband households now planning to buy a smart watch will then use it to track their fitness activities. So why not share the good news and benefit?

The company estimates that a 45-year-old couple of average health buying Protection UL (universal life) policies of $500,000 each could save more than $25,000 on their premiums by the time they reach 85, via Vitality.

From the article "Are Fitness Stats the 'Frequent-Flier Miles' of the Insurance Industry?" by Jonathan Takiff.

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