HealthAwear.ai creates health scores from wearable devices and other sources to enable improved risk modeling and innovative insurance products. The company's AI software for new insurance policies calculates personal risks and creates a standard health score using advanced analytics from wearable devices. HealthAwear.ai aggregates and standardizes data uploaded from users of various wearable devices, such as smartwatches, sports watches, and wristbands. The cross-platform dataset from each user will enable consumers to obtain a standardized health score and empower healthier users to purchase discounted health and life insurance. Less healthy users also benefit by being warned of early signs of potential health risks (e.g. sleep apnea, hypertension, and atrial fibrillation) and will be provided with recommendations on the appropriate next steps.