Jeffrey Manola is an experienced life insurance agent and the founder of Top Quote Life Insurance. His mission when he created Top Quote Life Insurance was to provide online consumers searching for life insurance with the absolute best quotes for term life insurance, permanent life insurance, no medical exam life insurance, and burial insurance. Not only does he strive to provide you with the ...

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Written by Jeffrey Manola
Founder & Licensed Agent Jeffrey Manola

Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insur...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years Leslie Kasperowicz

UPDATED: Jun 30, 2022

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Facts You Should Know

  • There are currently only a couple of life insurance companies that offer Apple Watches or similar incentive-based policies
  • Life insurance companies that use Apple Watches will monitor your activity levels to provide discounts and rewards
  • To get the best discount on your life insurance with an Apple Watch, you’ll need to be active and reach specific daily and monthly goals

If you’re looking for affordable term life insurance quotes, you might want to look into the life insurance companies that offer Apple Watches or other incentive-driven life policies.

If you’re already healthy and active, it makes sense to take advantage and save on insurance. We’ll help guide you with the life insurance companies that offer Apple Watch programs to reduce your monthly costs.

Excited to learn more about life insurance companies that offer Apple Watches? We’ll cover that and more in the sections below. For now, enter your ZIP code to get free quotes from top life insurance companies today.

Are there any life insurance companies that offer Apple Watches?

Following trends set by health insurance providers like United Healthcare, there are now a couple of life insurance companies that offer activity-based incentives which are measured by Apple Watches or similar devices.

Some of these companies may require you to provide and link your own device while others may provide you with a free luxury item to use at your disposal.

Similarly, many employers are now offering health-based incentives for employees, according to the Insurance Information Institute.

In short, you could earn a free Apple Watch and discounts on your life insurance bill.

Which life insurance companies offer free Apple Watches?

As of current, there are only a couple of life insurance companies that offer Apple Watch incentive programs. This includes John Hancock and Aetna Life Insurance Group.

While Aetna is more conventionally known for its health insurance products, the company also has life insurance with an Apple Watch program to help policyholders save money.

You can save on John Hancock life insurance through the John Hancock Vitality program. Getting an Apple Watch with Vitality isn’t necessarily free, however. Apple Watches are provided for just $25 but can offer up to 25% off your monthly life insurance premiums.

Average Monthly Life Insurance Rates
CompaniesAverage Monthly Life Insurance Rates
John Hancock$11
Mutual of Omaha$12
New York Life$11
State Farm$15
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When reviewing the average John Hancock life insurance rates compared to other industry competitors, you’ll find that the rates are already affordable. With a 25% discount, they may be among the cheapest.

If you want to reduce your monthly payments by earning Vitality points, you’ll need to be sure you enroll in the Vitality Plus program with John Hancock rather than the Vitality Go program.

To learn more about Vitality with John Hancock, visit our John Hancock life insurance review. Don’t forget, John Hancock and Manulife are affiliated, so you may be able to contact either company for more details.

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Aetna Attain is your other option for life insurance programs with an Apple Watch. It appears that you’ll actually be paying for an Apple Watch through Aetna, although it may be at a discounted price and paid interest-free via your monthly payment.

Otherwise, you’ll earn life insurance discounts by connecting your Apple Watch to the Aetna Attain app. At the end of the day, you’re more likely to find life insurance companies that don’t offer Apple Watches than those that do.

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Life Insurance Companies That Offer Apple Watches: The Bottom Line

Life insurance companies with health incentives can offer strong discounts. In this case, John Hancock offers a cheap Apple Watch with the potential of saving up to 25% on your life insurance policy.

By now, you should know whether or not life insurance companies that offer Apple Watches are right for you. While you’re here, enter your ZIP code to get free quotes from top insurers in just a few clicks.