Programme · Engagement · lapse correlation

Engagement

From device in the box to a member who wears it, syncs it and shares their data. Activation and wear time decide everything downstream: tiers, alerts and consent all depend on them.

Lapse rate by engagement

Members with daily data, split into wear-rate quintiles.

Policy lapse rate by wear quintile

Correlation, not proven causation

Q1 · lowest wear · n=244%

Q2 · n=240%

Q3 · n=2413%

Q4 · n=248%

Q5 · highest wear · n=248%

Read carefully

No consistent lapse gap by wear in this sample (8 lapses among 120 members)

A lapse gap between quintiles is the persistency argument for the programme, but it is a correlation. Members who wear the band may be the ones who were always going to keep the policy. A matched comparison or a holdout is needed before it justifies the discount.