While many P&C and health insurers are feverishly experimenting and investing in Internet of Things (IoT) technologies, most life insurers continue to grapple with the challenge of making the IoT relevant to their industry. That’s not the case with John Hancock (Boston; over $400 billion in assets under management and administration), however, which introduced its Vitality program earlier this year. The program involves a partnership with wellness program management provider Vitality (Chicago), and provides policyholders with free Fitbit wearable devices that help people track their physical activities. The program works with almost all wearable devices such as Garmin and Jawbone, and smartphone applications like Apple Health.