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Klarity and Munich Re Life US Uncover Mortality Risk Insights Via Extensive Analysis of Third-Party Data, Including Wearable Data

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Study demonstrates how third-party longitudinal data can impact risk assessment in life insurance, potentially helping carriers improve underwriting accuracy and expand insurability.

LONDON, Feb. 25, 2025 /PRNewswire-PRWeb/ — Klarity, a leader in AI-driven predictive analytics, and Munich Re Life US, a US market leader in individual life, group and individual disability reinsurance, conducted a comprehensive study leveraging UK Biobank data that sought to reveal the potential of third-party longitudinal data in life insurance underwriting.

“We aim to provide tailored support and guidance to carriers considering using these new data sources in their underwriting programs,” said Dr. Gina Guzman, Chief Medical Officer at Munich Re Life US.

The data set included over 500,000 individuals followed for over 13 years. The analysis revealed numerous mortality risk insights across different factors which will be shared in a series of three white papers, the key findings of which are summarized below:

Physical activity data from wearablesSleep duration, resting heart rate and grip strengthPhysical measurement alternatives to BMI, including waist-to-height ratio

The first paper examines physical activity data from wearables:

Step count: Individuals walking at least 7,000 steps per day experience significantly lower mortality risk, regardless of BMI, age, or smoking status:Smokers with a daily step count of at least 7,000 have better mortality than non-smokers with fewer than 5,000 daily steps.Obese participants with at least 7,000 daily steps have 40% lower mortality than “normal” BMI participants with a daily step count below 5,000.Pre-diabetics with at least 7,000 daily steps have a 60% lower mortality risk than individuals with normal A1C who walk fewer than 5,000 daily steps.Other activity: Even modest increases in light-intensity activities such as household chores or walking deliver significant benefits, particularly for older adults:For individuals 60 and older, going from less than 3 hours to at least 4 hours of daily light physical activity results in a 50% reduction in mortality risk.

Paper two focuses on novel attributes for segmenting mortality risk including sleep duration, resting heart rate and grip strength:

Sleep: Seven hours of sleep per night is associated with the lowest mortality risk, while five hours or less increases mortality by 50%, underscoring the critical importance of sufficient sleep.Heart Rate: Lower resting heart rates (RHR) correspond to reduced mortality risk. Notably, those in the lowest RHR group also had the highest average daily activity levels.Grip strength: As an indicator of overall physical strength and health, grip strength can effectively segment mortality risk across age and gender.

The third paper goes beyond BMI to assess mortality risk:

Waist-to-height ratio: There is strong evidence that waist-to-height ratio can effectively segment mortality risk on top of BMI and can be used to identify high-risk individuals across all BMI categories. This is also true for other measurements such as waist-to-hip and waist circumference. Within the ‘healthy’ BMI range (18.5-25), individuals with a waist-to-height ratio of 0.6+ face nearly double the mortality risk of those with a ratio under 0.5.

“Through the combination of Klarity’s predictive models and the ubiquity of smartphones and wearable devices, insurers are now able to better stratify risk and enhance underwriting precision,” said Will Cooper, Founder and CEO of Klarity. “Our models are trained on a wide array of health data sources that go beyond conventional metrics, enabling us to integrate new data streams alongside cutting-edge predictive analytics, resulting in enhanced precision.”

“This research demonstrates the potential of using data from wearables to segment risk and potentially expand insurability,” said Dr. Gina Guzman, Chief Medical Officer at Munich Re Life US. “Wearable data can be a window into the real-time health and lifestyle habits of applicants and may allow insurers to create more accurate and inclusive underwriting while simultaneously encouraging healthier behaviors among policyholders.”

Bridging Innovation and Consumer Trust

Klarity’s AI-powered models offer transparent, explainable insights that empower both insurers and policyholders to understand the factors driving mortality risk predictions.

“The reality is, consumers already choose to share their wearable data with apps and fitness platforms every day,” said Cooper. “Our goal is to help insurers use this data responsibly—offering more accurate underwriting that reflects real-world health habits. Doing so will open up new opportunities to engage customers, refine risk segmentation, and expand access to life insurance for millions of people.”

The Future of Wearable Data in Life Insurance

As insurers navigate the next evolution of underwriting, Klarity and Munich Re’s collaboration provides a blueprint for leveraging AI and wearable data at scale. Factors like physical activity, sleep, resting heart rate, grip strength and waist-to-height ratio can further improve the predictive accuracy of the mortality model for assessing long-term health risks.

“Carriers looking to incorporate third-party or wearables data will first want to conduct a pilot to assess participation rates and estimate baseline activity patterns,” added Guzman. “We aim to provide tailored support and guidance to carriers considering using these new data sources in their underwriting programs.”

Read the papers here. Media inquiries can be directed to media@getklarity.io and rachel@rachelvandolsen.com.

About Klarity

Klarity is a UK-based predictive analytics company providing AI-driven solutions for mortality and morbidity risk prediction. Its proprietary models leverage advanced data sources—including wearables, electronic health records, and biomarkers—to help insurers improve risk stratification, expand insurability, and develop next-generation underwriting models. Learn more at klarity.health.

About Munich Re Life US

Munich Re Life US, a subsidiary of Munich Re Group, is a leading US reinsurer with a significant market presence and extensive technical depth in all areas of life and disability reinsurance. Beyond its vast reinsurance capacity and unrivaled risk expertise, the company is recognized as an innovator in digital transformation and aims to guide carriers through the changing industry landscape with dynamic solutions insightfully designed to grow and support their business. Learn more at https://www.munichre.com/us-life/en.html.

Media Contact

Rachel Van Dolsen, Klarity, 1 9142604636, rvandolsen@gmail.com

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SOURCE Klarity

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HelloNation Article Highlights Sterile Compounding and Medication Safety With Insights From Compounding Pharmacist Expert Laura Temple

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July 21, 2026

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The article explains how sterile compounded medications are prepared to reduce the risk of contamination and support safe, customized treatments.

AZLE, Texas, July 21, 2026 /PRNewswire/ — What does sterile compounding mean for medication safety? HelloNation has published an article explaining how sterile compounding helps pharmacies prepare highly specialized medications while adhering to strict contamination-prevention procedures.

The article features insights from Laura Temple, Compounding Pharmacist Expert and Owner of Laura’s Pharmacy in Azle, Texas. It explains that sterile compounding is a specialized process for preparing medications in carefully controlled environments designed to reduce the risk of contamination. Sterile compounded medications are often used for injections, eye drops, IV medications, and other therapies that require the highest levels of cleanliness and precision.

The HelloNation article explains that sterile compounded medications differ from commercially manufactured drugs because they are prepared individually for a patient’s unique medical needs. Physicians may prescribe compounded prescriptions when a patient requires a customized dosage, a combination medication, or a treatment not commercially available. Because these medications often bypass the body’s natural defenses, medication safety depends on strict preparation standards throughout the compounding process.

The article describes how pharmacies that provide sterile compounding rely on cleanroom environments equipped with filtered-air systems, specialized equipment, and contamination-prevention protocols. Pharmacists and technicians follow detailed gowning, sterilization, and handwashing procedures before handling medication ingredients. These measures are designed to support medication safety by limiting exposure to bacteria, particles, and other contaminants.

According to the article, environmental monitoring also plays a critical role in sterile compounding. Temperature control, air quality testing, and routine equipment inspections help maintain consistent preparation standards. The article notes that sterile compounded medications may undergo additional quality assurance checks before being dispensed to patients. These procedures help support both treatment effectiveness and patient safety.

The HelloNation article also explains that pharmacies performing sterile compounding are expected to follow USP guidelines established for sterile preparation. These USP guidelines outline requirements for cleanroom pharmacy operations, environmental testing, employee training, and quality assurance practices. The article emphasizes that maintaining compliance with USP guidelines helps reinforce contamination prevention and consistent preparation standards for compounded prescriptions.

Patients seeking sterile compounded medications may also look for pharmacies that participate in accreditation programs or are overseen by state boards. The article explains that these programs review safety procedures, documentation practices, and facility standards to help maintain medication safety. Regular environmental monitoring and staff competency evaluations are also identified as important safeguards in sterile compounding operations.

The article further explains that communication between pharmacists, healthcare providers, and patients remains an important part of safe compounded prescriptions. Compounding pharmacists review prescriptions carefully, confirm dosing instructions, and evaluate ingredient compatibility before preparation begins. This collaborative approach supports medication safety by reducing the risk of errors and ensuring treatments meet individual patient needs.

The article concludes that sterile compounding continues to play an important role in healthcare, particularly for patients requiring customized therapies that are unavailable through traditional manufacturing channels. Whether preparing IV medications, injectable therapies, or other sterile compounded medications, pharmacies rely on contamination prevention procedures and strict preparation standards to support patient care. The article notes that understanding how sterile compounding works can help patients feel more informed about the safety measures involved in preparing specialized medications.

What Sterile Compounding Means for Medication Safety features insights from Laura Temple, a compounding pharmacist expert at Laura’s Pharmacy in Azle, Texas, on HelloNation.

About HelloNation

HelloNation is America’s Good News Network, a premier media platform built on the idea that good news travels faster when real people tell real stories. Through its community-focused publications and innovative “edvertising” approach, HelloNation delivers content that informs, inspires, and spotlights the leaders making a meaningful impact in their communities.

View original content to download multimedia:https://www.prnewswire.com/news-releases/hellonation-article-highlights-sterile-compounding-and-medication-safety-with-insights-from-compounding-pharmacist-expert-laura-temple-302831275.html

SOURCE HelloNation

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CIOs Forced to Rethink Manual Compliance Processes as Regulatory Complexity Rises, Says Info-Tech Research Group

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52 minutes ago

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July 21, 2026

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Regulatory demands are increasing in volume, complexity, and speed, leaving many organizations reliant on fragmented, manual approaches that slow response times and increase risk. New insights from Info-Tech Research Group show that organizations need to adopt more structured and scalable approaches to keep pace with regulatory change. The firm’s recently published blueprint, Build a Regulatory IT Response Engine, provides frameworks, tools, and step-by-step guidance to help organizations translate regulatory requirements into actionable IT controls and prioritized initiatives.

ARLINGTON, Va., July 21, 2026 /PRNewswire/ — Growing regulatory pressure across jurisdictions is forcing organizations to rethink how they interpret, prioritize, and execute compliance requirements. Many IT teams continue to operate with inconsistent processes and limited coordination, resulting in delayed initiatives and increased exposure to financial and reputational risk. Info-Tech’s blueprint, Build a Regulatory IT Response Engine, introduces a coordinated and repeatable approach to help IT leaders operationalize compliance and improve execution outcomes.

Info-Tech’s findings indicate that while organizations recognize the need for faster and more consistent regulatory response, they continue to face barriers such as fragmented interpretation of requirements, weak prioritization, and limited scalability. AI-enabled tools can help streamline analysis and accelerate response planning, but without a coordinated approach grounded in governance and human oversight, those benefits are difficult to realize.

“Regulatory response is becoming too complex to manage through disconnected, manual processes,” says Ahmad Jowhar, senior research analyst at Info-Tech Research Group. “IT leaders need a repeatable way to interpret requirements, prioritize action, and use AI to accelerate planning without losing the governance and oversight needed to execute effectively.”

Key Challenges IT Leaders Face in Regulatory Response

Despite ongoing investments in compliance, organizations continue to face systemic challenges that hinder effective execution. Info-Tech’s blueprint highlights several areas where IT and compliance leaders struggle most:

Fragmented and manual processes that slow regulatory interpretation and response.Inconsistent application of regulatory requirements across teams and jurisdictions.Poor prioritization of IT initiatives, leading to missed deadlines and duplicated effort.Limited scalability to manage increasing regulatory volume and complexity.Misalignment between compliance activities and broader business priorities.

Info-Tech’s Framework for Building a Regulatory IT Response Engine

To address these challenges, Info-Tech recommends a structured, AI-enabled approach that improves consistency, speed, and scalability. The firm’s Build a Regulatory IT Response Engine blueprint outlines the following key priorities for IT leaders:

Define the regulatory landscape: Establish organizational context, governance structures, and a centralized inventory of applicable regulations.Translate requirements into IT controls: Use AI-enabled analysis and structured assessments to convert regulatory obligations into actionable controls.Prioritize IT initiatives: Align initiatives based on cost, effort, impact, and regulatory timelines to reduce execution risk.Build and communicate a roadmap: Develop a clear, resource-aligned roadmap to guide execution and stakeholder alignment.Establish a repeatable process: Continuously monitor, adapt, and refine regulatory response capabilities to maintain compliance over time.

Organizations that adopt this structured approach can move from reactive compliance efforts to a more proactive and scalable model that shortens response timelines, reduces manual effort, and strengthens execution.

The firm’s Build a Regulatory IT Response Engine blueprint includes practical tools such as a Regulation Inventory Tool, a Regulatory Response IT Action Plan Tool, a Communication Deck Template, and a Compliance Program Framework. By applying these resources, IT leaders can standardize regulatory responses, improve prioritization, and help ensure compliance initiatives are executed on time and in alignment with business priorities.

For exclusive and timely commentary from Info-Tech’s experts, including Ahmad Jowhar, and access to the complete Build a Regulatory IT Response Engine blueprint, please contact pr@infotech.com.

About Info-Tech Research Group

Info-Tech Research Group is the “get things done” partner for over 30,000 IT, HR, and marketing leaders worldwide. The fastest growing research and advisory firm, Info-Tech enables leaders to make well-informed decisions and transform their organizations through AI, strategic foresight, step-by-step methodologies, practical tools, industry-leading advisory, and training programs. For nearly 30 years, tens of thousands of private and public organizations have trusted Info-Tech to lead their most important initiatives through periods of change and deliver outcomes that truly matter.

To learn more about Info-Tech’s HR research and advisory services, visit McLean & Company, and for data-driven software buying insights and vendor evaluations, visit the firm’s SoftwareReviews platform.

Media professionals can register for unrestricted access to research across IT, HR, and software and hundreds of industry analysts through the firm’s Media Insiders program. To gain access, contact pr@infotech.com.

For information about Info-Tech Research Group or to access the latest research, visit infotech.com and connect via LinkedIn and X.

View original content to download multimedia:https://www.prnewswire.com/news-releases/cios-forced-to-rethink-manual-compliance-processes-as-regulatory-complexity-rises-says-info-tech-research-group-302831286.html

SOURCE Info-Tech Research Group

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Atomera to Announce Second Quarter 2026 Financial Results and Host Webinar on Tuesday, August 4, 2026

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52 minutes ago

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July 21, 2026

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LOS GATOS, Calif., July 21, 2026 /PRNewswire/ — Atomera Incorporated (NASDAQ: ATOM), a semiconductor materials and technology licensing company, announced today that it plans to release its second quarter 2026 financial results after the market closes on Tuesday, Aug. 4, 2026.

The company will host a live video Zoom webinar at 2:00 p.m. Pacific Time (5:00 p.m. Eastern Time) on Tuesday, Aug. 4, 2026, to discuss the results. The live webinar can be accessed through Atomera’s investor relations website at https://ir.atomera.com. A replay of the webcast will be available for 12 months. To pre-register for the webinar, use the following link.

https://atomera.zoom.us/webinar/register/WN_OJFbTWe1SIyV69LLdDadCw

About Atomera

Atomera Incorporated is a semiconductor materials and technology licensing company focused on deploying its proprietary, silicon-proven technology into the semiconductor industry. Atomera has developed Mears Silicon Technology™ (MST®), which increases performance and power efficiency in semiconductor transistors. MST can be implemented using equipment already deployed in semiconductor manufacturing facilities and is complementary to other nano-scaling technologies already in the semiconductor industry roadmap.  More information can be found at www.atomera.com 

 

View original content to download multimedia:https://www.prnewswire.com/news-releases/atomera-to-announce-second-quarter-2026-financial-results-and-host-webinar-on-tuesday-august-4-2026-302830602.html

SOURCE Atomera Incorporated

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