A Healthier, More Engaged Portfolio.
MOAT turns continuous wearable data into cohort-level risk insight, with a built-in engagement and rewards layer that keeps policyholders healthier between renewals. White-label, powered by validated mortality and morbidity models.
What insurers can't see is costing them
Legacy carriers spend billions assessing risk using static data that fails to reflect real-world behaviour.
Actuarial blindness
Insurers price risk on a static snapshot taken at application. WTW and Klarity research found activity data predicts mortality more accurately than cholesterol, BMI, and family history combined — yet it remains unused.
The reward opportunity
Consumers actively want to share healthy behaviours in exchange for rewards. Insurers who offer this attract lower-risk people by design, making active engagement a natural selection filter.
The engagement gap
Insurers want healthier, longer-staying policyholders but lack the tools to drive behavior. Structured behavior-change apps cut healthcare costs by 5% in the first year alone.
Dynamic portfolio risk management
MOAT bridges the space between consumer wearables and backend actuarial models through a bundled risk and engagement platform.
Sharper Risk Pricing
Accurate pricing, better risk selection.
By converting raw biometric streams into actuarially validated risk features, MOAT removes selection bias and blind spots. Underwriters can assess real-time risk tiers dynamically rather than pricing on static intake snapshots.
Higher Persistency
Engaged members stay in force longer.
Policyholders are motivated to connect and maintain engagement through our white-label rewards model. High daily app engagement correlates directly with brand loyalty, driving substantial increases in retention and policy persistency.
Prevention
Healthier members mean fewer claims over time.
Incentivized daily habits translate directly into reduced morbidity risk. By routing high-risk cohort signals into prevention pathways, MOAT turns group insurance from a reactive safety net into a proactive health management tool.
How it works
The MOAT loop: aligning insurer and policyholder incentives
- 1
Opt-in & device-agnostic stream
Members connect any wearable device. Passive data flows through our middleware seamlessly with zero friction.
- 2
Actuarial risk modeling
Our engine models risk using 12 years of clinical data and 6M+ life years, validated by WTW and Munich Re.
- 3
Cohort-level analytics
Aggregated, GDPR-compliant insights land in your pricing and underwriting workflows, augmenting your team's judgment.
- 4
Rewards & retention loop
Streaks and wellness perks keep members active and loyal, funding further rewards through claims savings.
Validation
Grounded in clinical reality
“Continuous activity data predicts mortality risk more accurately than cholesterol, BMI, and family history combined.”
WTW & Klarity's 2025 mortality reclassification study proved that passive activity signal delivers incremental, independent actuarial predictive lift. We are actively co-developing the category standard with reinsurer and insurer partners.
¹ WTW × Klarity, Reclassifying Mortality Risk, 2025.
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