Jan emailed Kurt with a question most of us have never thought to ask: why does her insurance app need her location, her health data, and her movement… all day, every day. 

Turns out, modern insurance apps have quietly turned your phone into a surveillance device, using something called telematics to measure every mile you drive, every step you take, and how well you sleep at night. And in some cases, they're not just collecting that data, they're selling it.

Kurt walks you through exactly what these apps are harvesting, why insurers want it, and three specific steps to keep your discount without handing over your entire digital life.

What You Will Learn This Episode:

• How insurance companies use your phone to silently track your driving, health, and daily routines without most people realizing it
• Why tapping "allow" during a simple app setup may be the most expensive mistake you make this year
• The difference between car insurer tracking apps and health insurer wellness apps and what each one can actually see
• How a lawsuit revealed that one major insurance app sold 45 million Americans' driving data without their knowledge
• How to change your iPhone or Android location settings right now to stop all-day background tracking
• How to find and revoke the health data your insurance app is quietly pulling from Apple Health or Google Health Connect

Enjoying the show? Take a moment to rate, review, and subscribe. Head over to https://cyberguy.com/podcast/ to find the show on other platforms. Have a question for Kurt? Call 877-655-KURT and leave a voicemail.