John Hancock insurance is pressuring people to give their personal data to Apple or Fitbit.

The insurance company should offer an alternative which collects only the exercise data, not people's locations or the time of day when they walk, and sends it only to the insurance company, which will store only the overall totals that are pertinent.

The only rational need for life insurance is if you have long-term dependents. If you do the wise thing and avoid having children, you probably won't need life insurance anyway.