The protection portal and administration service from DirectLife said it is therefore reviewing how best to capture health tracking data from the likes of the Apple watch or FitBit. No no protection insurer writing UK business uses individuals' health tracking to price policies at outset, although engagement with the Vitality program during the policy term can certainly reduce premiums, LifeQuote has said. However, when the market starts to integrate it into their underwriting, it will require standardised formats in order to be used for pricing comparisons.