System and Method for Sharing User Information with an Insurer Utilizing Wireless Earpieces
A system, method and wireless earpiece for sharing user data with an insurance provider to provide an insurance product of adjust the cost of insurance. The wireless earpiece may establish the identity of a user and track activity data of the user using at least a heart rate sensor and an inertial sensor of the wireless earpiece. The activity data and user identity may be wireless communicated to a server platform of the insurance provider. The server platform may apply the user identity and activity data to an actuarial model used by the insurance provider. The user may be provided a product based on the actuarial model utilizing the activity data and user identity.
1 . A method for sharing user information with an insurer, the method comprising:
establishing an identity of the user by a wireless earpiece of the user;
tracking the activity of the user using at least an inertial sensor of the user and a heart rate sensor of the user:
wirelessly communicating the identity of the user and the activity of the user to a server platform;
applying the activity of the user to an actuarial model at the server platform;
wherein an insurance product is provided to the user based on the actuarial model.
2 . The method of claim 1 further comprising:
providing feedback to the user through the wireless earpiece indicative of progress towards an activity goal based on the activity of the user wherein the activity goal is associated with an insurance adjustment.
3 . The method of claim 1 further comprising:
communicating from a transceiver of the wireless earpiece the activity of the user to a mobile application on a computing device of the user.
4 . The method of claim 3 further comprising:
communicating from the mobile application on the computing device of the user over a wireless communications network to the server platform.
5 . The method of claim 1 wherein the activity of the user is tracked while the user is performing exercise.
6 . The method of claim 1 wherein the identity of the user is established using biometric data received by at least one sensor of the wireless earpiece.
7 . The method of claim 6 wherein the biometric data includes at least a voice characteristic.
8 . The method of claim 6 wherein the biometric data includes data from the heart rate sensor.
9 . The method of claim 6 wherein the biometric data include a topographical map of a portion of an ear of the user.
10 . The method of claim 1 wherein the insurance product is a life insurance product.
11 . The method of claim 1 wherein the insurance product is a health insurance product.
12 . The method of claim 1 further comprising:
communicating activity goals from the server platform through a wireless network to the computing device of the user.
13 . The method of claim 12 further comprising:
associating activity data communicated from the wireless earpiece to the computing device with the activity goals stored on the mobile application.
14 . The method of claim 1 wherein a processor of the wireless earpiece analyzes the activity data.
15 . The method of claim 14 wherein the processor of the wireless earpiece determines whether the activity data of the user satisfies an activity goal communicated from the server platform.
16 . The method of claim 1 wherein a processor of the wireless earpiece notifies the user through a speaker of the wireless earpiece that the user completed an activity goal communicated to the wireless earpiece from the server platform.
17 . The method of claim 1 wherein a speaker of the wireless earpiece notifies the user of the insurance product.
18 . The method of claim 17 wherein the speaker of the wireless earpiece notifies the user changes to the insurance product.
19 . The method of claim 1 wherein the wireless earpiece transmits a signal to the server platform to establish a connection to server platform.