How To Report An Insurance Agent

If you didn't receive remarkable customer service or were denied coverage for a covered loss, then there are grounds to file complaints. If the top insurance companies mess up, although I know that with respect to the people I work with and what I believe in my company, it isn't malicious. I wouldn't bat an eye to file a complaint myself as a consumer if I thought I was treated unjustly or unfairly, especially when I've entered into a contract. Also, there are areas in most insurance policies that outline alternative dispute resolutions – be it appraisal, arbitration, or filing suit. Often times, these are measures sought outside of asking the DOI to step in which is often viewed as the final option when others didn't suffice .

How To Report A Bad Insurance Agent The IA can only handle complaints in accordance with its statutory functions and powers. This means the IA can handle complaints about conduct of insurers or insurance intermediaries in the insurance market . As indicated, the IA can only handle complaints in accordance with its statutory functions and powers. For example, we would unlikely be able to intervene in a dispute about the level of premium charged by an insurer or on the interpretation of the terms and conditions of an insurance policy. There are independent organizations that help consumers resolve disputes or concerns with their insurance company.

These services are free of charge, and help address consumer concerns about claims, interpretation of policy coverage, and policy processing and handling. They will mediate between insureds and insurers, but do not have the ability to order settlement of a claim or provide a legal opinion about policy coverage. The process must also include membership in an independent ombudservice, which is an independent organization that helps consumers resolve disputes or concerns with their insurance company.

If your complaint is a pure commercial dispute, you should raise it with the authorized insurer or licensed insurance intermediary concerned directly. The Utah Insurance Department has a staff of insurance experts available to help you understand your insurance coverage and answer your questions. If you have been unable to resolve a problem with your insurance company or agent, you may contact our staff for assistance, or file a written complaint. If your complaint involves health care insurance, please refer to the HEALTH CARE INSURANCE COMPLAINTS section below.

In order for us to effectively begin our investigation you will need to provide supporting documentation with your complaint. Failure to provide supporting documentation may delay your request. Supporting documentation includes any documents related to your problems, such as the declaration page of your insurance policy or certificate, cancelled checks, letters of claim denial or other correspondence. Do not send us originals of any documents, photographs or other evidence as we are not responsible for lost records or other items. The more complete the information we receive, the quicker we can identify the issues and begin our review.

In accordance with its terms of reference, the ICB may handle certain disputes on claims under such personal insurance policies by way of adjudication. In line with its regulatory functions and powers, the IA may handle complaints regarding the conduct of authorized insurers and licensed insurance intermediaries in the insurance market in Hong Kong. All complaints and information requests are reviewed upon receipt to ensure that they are within the jurisdiction of the DOI. If jurisdiction is identified, you will receive a written acknowledgement of the complaint or an email or letter indicating that the complaint was incomplete and requesting any required, missing information or documents. The respondent will receive written notification that a complaint has been filed along with a copy of your complaint and the supporting documentation. The respondent has 30 days to provide a written response to the complaint.

The complaint is then assigned to a CSU examiner for review. If you have a health insurance claim that has been denied by your health plan, you have the right to appeal that denial. The first thing you should do is contact your health plan and ask for more information on why the claim was denied. This is the first step in the internal appeals process and insurance companies are required to address your complaint within a strict timeline. Smart NC helps consumers resolve coverage disputes with their health insurance company.

Before you file a complaint with the IDOI you should first contact the insurance company, agent or broker in an effort to resolve the issue. If you do not receive a satisfactory response, then you may file a complaint with the Division. When filing a complaint please provide as much information as possible. Failure to provide this information may delay or even prevent our ability to be of assistance.

Please be aware that a copy of your Complaint will be provided to the insurance company. Search the state department of insurance website to locate the name and address of who to contact in your state. Some states like NY and CT have consumer complaint forms available for you to use in conjunction with their formal insurance department claim center. If your state doesn't have forms available online, you can print one from a state that does and use it as a template for your complaint. INDEPENDENT REVIEW. If you have had a claim denied by a health insurance company and have completed the appeal process outlined in your policy, you may be eligible for an independent review.

For information regarding Independent Review of an Adverse Benefit Determination click here. The Department accepts complaints and compiles reports so you and other members of the public can evaluate the companies and agents who conduct insurance business in Indiana. Once the complaint information has been collected, we thoroughly investigate all circumstances and take any appropriate action to prosecute or fine the company or person if found to be at fault.

If you are unable to file a complaint on the online portal, please select the applicable form below to submit a complaint by mail or fax . Provide as much information as possible, attach copies of all supporting documentation to the completed complaint form, and keep the original documents for your records. I have launched an official complaint to the insurance company regarding on one of their agent. That particular agent had mislead my father to purchase an insurance policy under my name without my noticed and consent. She mislead my father to sign the application form on my behalf.

As an adult i understand that I'm the policy holder of the above policy contract. But how can that agent sold a policy to me without meeting or seeing me personally and i never know or see her before. The insurance company further refer to my complaint saying "according to the agent, the above mentioned policy was purchased by your father as a GIFT to me where i am the life assured of the above mentioned policy. That agent further indicated that i had initially consented to the purchase of the policy and had executed your signature in the proposal forms dated October 2013. Lies after lies by the agent, i can't believe such well known insurance organization can have such "trained" unprofessional agent.

I had an agent Chris with his Dad speeking to us several times about investing. We hired the Dad for investment advice for retirement, he was independent agent. He convinced us to buy 500 thousand whole life insurance policy for retirement form his son. It was way to much for us but he convenience us that it is what we needed sence we had not saved much in retirement. I'm so ashamed of trusting blindly and not doing my own research on the program. Don't let someone convenience you they have your best interests.

60k lossed and now later paying highest premiums for grave policy. We complained to commissioner agent nothing much happened. Please be sure to send us all relevant information when you submit your complaint. If you need to send more documents or a longer summary than the form allows, please email the information to and note that you filed a complaint and are providing additional documentation. Please be aware that Consumer Services will send a copy of your complaint and any related materials to any company, agent or licensee involved in this matter.Please do not send any medical records.

In general, the IA is the front-line regulator for authorized insurers and licensed insurance intermediaries. However, authorized insurers or licensed insurance intermediaries may also be subject to regulatory oversight by other regulators in Hong Kong. For example, a bank, which is regulated by the Hong Kong Monetary Authority ("HKMA"), may also be a licensed insurance agency. If you are a medical provider looking to file a complaint against a health insurance company?

Please visit the Procedures for Submission of Complaints by Providers Against Insurersbefore submitting. Healthcare providers should use our online Healthcare Provider Complaint Form to file a complaint about prompt payment, no fault, or workers compensation claims, or to add additional information to an existing complaint. If this is your first time using the Provider Complain Form you will need to create a portal account, then follow the prompts in Ask for Apps to request access to Provider Complaint Forms. Send your complaint to theinsurance ​company and require them to provide an explanation for their actions (insurance companies/agencies have 20 days plus mailing time to respond). Ask them what you need to do to submit your dispute (e.g., write a formal letter of complaint, file any specific forms, provide supporting documentation, etc). In these cases, the Insurance Department does not have jurisdiction to assist you with a complaint.

For information regarding Self-Funded Health Insurance Claims click here. The Department of Commerce and Insurance regulates several hundred thousand Tennesseans in their professions and businesses. These boards, commissions and programs are empowered to take disciplinary action including revocation of licenses and assessment of civil penalties against license holders found guilty of violating laws governing their professions. Use our online Consumer Complaint Formto file a complaint with DFS about an insurance company, vacant property, student loan, mortgage, foreclosure, bail agent, bank, lender, or other financial service or product. You can also check the status of a complaint, or add information, such as a Letter of Authorization , to an existing complaint.

Be aware that we may share a copy of your complaint with the company or individual you are complaining about. You may file a complaint with us if you are unable to resolve your dispute with the insurance company or aren't satisfied with how they responded to your claim. The Consumer Services Division is the investigative arm of OCI. Our job is to ensure fair and equitable dealings between insurers, agents, and policyholders. If you have a complaint about your insurance provider or agent, or how a claim is being handled, we may be able to help you resolve the issue. Complaints are filed through the Consumer Portal, where you will first need to create an account using an email account and password.

The portal is a secure way for consumers to submit insurance complaints and communicate with the Division of Insurance. Once the account is created, you will use the email and password to log into the Consumer Portal. The Division of Insurance Consumer Services sections investigate individual consumer complaints against insurers. Investigations may result in financial recoveries for consumers in the form of additional claim payments, overturned denials of policy benefits or other refunds for the consumer. Investigations can also result in policies being reinstated for consumers.

The Telecom Division receives complaints from Minnesotans who have problems related to telephone service and the providers who offer it. Typical complaints include matters of billing, service quality, and customer service. Please submit your complaint and provide as much detail as possible. We will begin our inquiry as soon as we receive it and contact you when we have information or if we have questions. One of our most important jobs is to help educate North Carolinians about insurance-related issues so you can make informed decisions for you and your family.

If you have questions about insurance, need to file a complaint or want to report suspected insurance fraud, we can help. Auto and Homeowners Claims- Temporary v. Permanent Repairs - Auto and homeowners policies might require you to make temporary repairs to protect your property from further damage. Your policy should cover the cost of these temporary repairs, so keep all receipts. Also, keep any damaged personal property for the adjuster to inspect. If possible, take photographs or video of the damage before making temporary repairs.

It may be helpful to have a video inventory of your property and contents for future reference should you need to file a claim. Don't make permanent repairs prior to the insurance company's inspection. An insurance company may deny a claim if you make permanent repairs before the damage is inspected. We do not have authority over insurers—the insurance companies that pay policy holders' insurance claims and underwrite the risk. In BC, these are regulated by the BC Financial Services Authority . The Division of Consumer Services is happy to assist you with your insurance questions and concerns or open a formal complaint.

Our dedicated and experienced helpline specialists are continuously trained and informed about any changes that occur to the 26 different categories of insurance they confront on a daily basis. We are ready to contact the insurance company on your behalf to assist you with your insurance complaint. Review your file to determine if the insurance company, HMO, insurance agent, or adjuster violated state insurance laws.

It may take time to gather the necessary information from the relevant parties to consider your complaint in a fair and objective manner. After this three-month period , we will at your request provide you with an update on progress and give you an indication of when a further update may be sought, if the complaint has not been completed by that point. You must file a proof of loss form with the insurer and make a written request to start the dispute resolution process.

When creating your account it is important to MAKE NOTE OF THE PASSWORD you select, it will be required to access the status of your complaint. Once your account has been created, you will be able to access the complaint form and submit your complaint. The purpose of a password-protected account is to provide secure transmission of the complaint and communication to and from the Insurance Department. Virtual Viewing RoomThis virtual viewing room allows you to see insurance company rate filings, examination reports, and related information. Anyway, that is my 2 cents – or a quarter based on the amount I've typed out here! I just sort of felt like reading it, that you were maybe supporting filing a compliant when you didn't get what you thought you deserved when the general concept of insurance is confusing for many.

I am by no means saying all insurance companies have unwavering ethics or morals. Since USAA is giving you some props – check out there article about myths in insurance. They list some common ones that any insurance company would agree are out there. Wow – I thought this would be a few sentences and this turned into a book.

Now I need to go back and read it again and make sure I've covered everything! Anyway, I seriously wanted to more so give you props for what you're doing and jab at you a little and this turned heavy on the jab and less on the props. Consumer Services responds to consumer inquiries and intervenes on behalf of consumers to resolve complaints against insurers, agents, and other licensees. Find your state insurance department and file a complaint.

If you are unable to resolve your dispute with the insurance company or aren't satisfied with how they respond to your claim, move to Step 3. Self-insured employers and health and welfare benefit plans – Many large employers provide health benefits for their employees through self-insured plans. Although self-insured plans are frequently administered by an insurance company, the employer bears the risk for paying claims. Federal law exempts self-insured employer plans from state insurance regulation. The same is true of health and welfare benefit plans (i.e., union plans).

Provincial and territorial insurance regulators oversee the licensing and conduct of insurance agents and brokers. Each province and territory has its own insurance regulator and all insurance companies must follow the rules and regulations of the province or territory in which they carry out business. If the person or business is not listed as being a licensed insurance agent or agency, report this information to Texas Department of Insurance. Insurance agents and agencies must be licensed by the Texas Department of Insurance. But some scammers pose as insurance agents in order to swindle money out of Texas consumers. Some companies that appear to be acting as insurers are not authorized to write insurance in Texas.

Be very suspicious of coverage that seems too good to be true or rates far below what other insurance companies are quoting. As such, where a complaint does not involve the conduct of the insurer or intermediary, but is merely a dispute regarding the non-payment of a claim under an insurance policy, the IA's powers to handle the complaint are limited. How to resolve a complaint, options for settling your insurance claim, industry conduct complaints and insurance industry information. To regulate the insurance industry and cut down on fraudulent activity the IDOI and the NAIC ask that any suspected fraudulent activity regarding insurance brokers, insurance companies, or insurance plans be reported. Your complaint along with a letter from the IDOI is mailed to the insurance company the complaint is against. By Indiana law, the insurance company has 20 business days to respond in writing back to the IDOI.

Apple Watch Series 6 Release Date

From making to-do lists to keeping your fitness routine on track, this watch is a must-have! Look through the models—Apple Watch Series 6,SE and Apple Watch Series 3—to find one you are sure to love. The Apple Watch SE comes with new features like an expansive retina display and advanced sensors to track all your movement. Whether it's swimming, running or yoga, the fitness tracker sets goals, tracks your progress and keeps you motivated. The GPS battery life and LTE connectivity will make sure you can stay on the move without running out of charge.

Apple Watch Series 6 lets you to take on-demand readings of your blood oxygen and background readings. The Apple Watch Series 6, Apple Watch SE, and Apple Watch Series 3 have a water resistance rating of 50 meters. Featuring a sturdy stainless steel case and a lightweight sport band, the Apple Watch can be worn with any outfit in your wardrobe. The Apple Watch can be paired with iOS devices and connects to the nearest Wi-Fi.

The Apple Watch Series 7 offers the same suite of sensors as the Series 6. These include an accelerometer, a gyroscope, a heart rate sensor, a barometer, an always-on altimeter, a compass, an SpO2 sensor, and a VO2 max sensor. These sensors have a host of health and fitness tracking features, including blood oxygen monitoring, heart rate monitoring, sleep tracking, fall detection, workout tracking, and more. Apple Watch Series 6 improves performance through redesigned hardware that packs even more features and power into the same impressively small design. Apple Watch Series 6 offers faster charging, completing a full charge in under 1.5 hours, and improved battery life for tracking certain workouts, such as indoor and outdoor runs.

Additional features include a new S6 processor that is up to 20% faster than the S4 and S5, a 2.5× brighter always-on display, and an always-on altimeter. The S6 incorporates an updated, third generation optical heart rate sensor and also enhanced telecommunication technology, including support for ultra-wideband via Apple's U1 chip, and the ability to connect to 5 GHz Wi-Fi networks. The Series 6 watch was updated with faster charging hardware such that it completes charging in ~1.5 hours. Force Touch hardware was removed, consistent with the removal of all Force Touch functionality from watchOS 7. The Apple Watch has been our longstanding Editors' Choice for its excellent performance, unparalleled app selection, and ample health and fitness tracking features.

The ECG system has received clearance from the United States Food and Drug Administration, a first ever for a consumer device, and is supported by the American Heart Association. This device can also detect falls and will automatically contact emergency services unless the user cancels the outgoing call. The microphone was moved to the opposite side between the side button and the digital crown to improve call quality. Other changes include the digital crown incorporating haptic feedback with the Apple Haptic Engine and includes the new Apple-designed W3 wireless chip. It also works like an iPhone with numerous features like maps, app store, siri, apple music, text, make calls, sleep app and more. Get a healthy number of workouts, make a splash with your watch, check your heart rate, measure your blood oxygen levels, and generate ECG on your wrist.

The Apple Watch 6 offers blood oxygen monitoring, a brighter always-on display, an always-on altimeter and a faster chip. Rival smartwatch manufacturers seem to be taking larger leaps forward with their products, while Apple sticks to its incremental process (and it's 18-hour battery life). The Apple Watch Series 7 offers the same health monitoring features available with the Series 6. A built-in accelerometer and gyroscope enable other important health-related features such as fall detection. The Apple Watch Series 6 is powered by the new S6 SiP and offers new hardware and software features.

You get a brand new SpO2 sensor for blood oxygenation levels and VO2 MAx readings from workouts. Thanks to the new SiP we also get fast-charging of the Apple Watch for the first time, topping the battery from 5 percent to full in about 90 minutes. The Apple Watch is one accurate device when it comes to tracking different forms of workouts, recording the duration, effort and heart-rate related metrics with great accuracy. As far as the Apple Watch's smart capabilities are concerned, the app ecosystem for the Watch has come a really long way, allowing the watch to be a seamless extension of your iPhone. On the other hand, if price is your main concern and you do not need advanced health functions, the Apple Watch Series 3 may be more appropriate than the $399 Apple Watch Series 7 as it offers many of the Apple Watch's core features for just $199. There are some tradeoffs with the Apple Watch Series 3 because it is a much older model, such as a smaller display, an older chipset, and the lack of a compass, fall detection, ECG, and blood oxygen monitoring.

Cupertino, California — Apple today announced Apple Watch Series 6, introducing a revolutionary Blood Oxygen feature that offers users even more insight into their overall wellness. WatchOS 7 brings Family Setup, sleep tracking, automatic handwashing detection, new workout types, and the ability to curate and share watch faces, encouraging customers to be more active, stay connected, and better manage their health in new ways. Now, if you want a slightly less expensive Apple Watch, you're in luck. Apple also introduced the Apple Watch SE, the more budget-friendly alternative to the Series 6. This watch has the larger displays of the new models as well as many of the same sensors inside (although it doesn't have the blood oxygen level sensors). It has an aluminum case, available in silver, Space Grey, and gold, and there are also a few Nike+ models in the mix.

All the watch bands available for the other models work on the SE, as do most of the new watch faces. It uses an S5 chip, making it twice as fast as the Series 3, which is the least expensive version still on sale. Williams called the SE "the perfect watch for new customers," and it starts at $259 for GPS models with 24-month financing available through Apple. The Series 7 will use WatchOS 8 which comes with a whole set of health and fitness tracking features, metrics, and watch faces.

Among the new changes is the Breathe app, letting you center and breathe more calmly, Reflect, to help you destress with soothing animations, and sleep tracking which can now measure respiratory rate and find trend changes. Meanwhile, the Workouts app lets you find new workout modes like Tai Chi and pilates. The Fitness+ app boasts seven new high-intensity workout plans, and there are motivational playlists to accompany the Artist Spotlight series. That said, if the $399 starting price is out of your budget, the new Apple Watch SE offers many of the same features as the Series 6—including a handwashing timer, sleep tracking, heart rate notifications, and more—for $120 less. It lacks an always-on display and some of the Series 6's more advanced health features, however, including the ability to take an ECG and measure the oxygen saturation of your blood.

It's a strong alternative to the Series 6 if you don't mind a less health-focused experience. The Watch SE, which shares design elements with the Series 6, along with key health and safety features like fall detection, starts at $279 for the GPS-only model or $329 for the GPS and cellular version. It lacks an always-on display, as well as blood oxygen saturation and electrocardiogram readings—we go into detail on the differences between the two watches here. With watchOS 7, customers can take personalization to the next level with seven new watch face options, including Stripes, Chronograph Pro, GMT, and Artist, while curating, discovering, and sharing new watch face configurations with others. New health and fitness features, including low-range VO2 Max, sleep tracking, automatic handwashing detection, and new workout types, can help users better understand overall well-being. Conveniently accessible on the wrist, Maps includes cycling directions and Siri offers language translation.

As in the case of Watch SE, the smartwatch has many features as the high-end Series 6 but cuts a few corners to keep the price down. For instance, the Watch SE features fall detection, noise monitoring, international emergency calling as well as the second-generation heart rate sensor. What's missing from the Apple Watch SE is the lack of the ECG sensor built into the Digital Crown. It easily outperforms Google Wear OS-based watches like the Moto 360, and offers a much more fully realized smartwatch experience than Fitbit's more health-centric models.

If you already own a Series 5, the Series 6 is really only worth the upgrade if you absolutely must have the always-on altimeter or SpO2 readings. But between its advanced health and fitness monitoring capabilities, safety and lifestyle features, and wide selection of downloadable apps, the Apple Watch Series 6 is the best smartwatch on the market hands down, and our Editors' Choice. Since the Apple Watch made its debut five years ago, one of its primary functions has been to help you monitor your health. The Series 6 further impresses thanks to a faster processor, a brighter always-on display, and an improved altimeter that can track your elevation changes in real time. TechRadar gave it a score of 4.5/5, calling it one of the top smartwatches, while criticizing the short battery life. Digital Trends gave it a score of 5/5, calling it Apple's best product and praising the design, build quality, and software, among others, while criticizing the battery life.

CNET gave it a score of 8.2/10, calling it the "best overall smartwatch around", while criticizing the battery life and lack of watch face options. T3 gave it a score of 5/5, calling it a "truly next-gen smartwatch" due to its thinner body and bigger screen compared to the Series 3, and health features. Force touch technology has been removed in Watch Series 6 and Watch SE. The watch also has a side button which can be used to display recently used apps and access Apple Pay, which is used for contactless payment. If the watch's battery depletes to less than 10 percent, the user is alerted and offered to enable a "power reserve" mode, which allows the user to continue to read the time for an additional 72 hours, while other features are disabled. The watch then reverts to its original mode when recharged or after holding down the side button.

Apple Watch Series 4, which launched a year later, featured a major redesign with a screen that was 30% bigger in both models and a 50% improvement on its processor over the Series 3 version. Speakers and microphones were rearranged so they were louder and more useful, and Series 4 introduced the fall detection feature, ECG capabilities, and the second-generation heart rate monitor. The Apple Watch SE features all the same features as the Watch Series 3, along with fall detection, real-time elevation tracking, international emergency calling and the Noise app. It doesn't offer the ECG app or the blood oxygen monitoring app, but it does have the real-time elevation tracking like the Series 6. The watch will now be able to detect when you start riding a bike and prompt you to start a cycling workout. Biking workouts now also support auto-pause/resume, as well as fall detection.

With an increased affinity for tracking users on a bike, Apple claims that mid-ride GPS and heart rate detection will improve. Leaks concerning the design of the Apple Watch Series 7 have shown it in a range of colors, including green, and it is also expected that the next-generation smartwatch will have slimmer bezels and a thicker case. Unsurprisingly, a faster SoC should be involved, with the potentially named Apple S7 chip outpacing the older Apple S6 (for reference, the S6 was up to 20% quicker than the S5).

As for features, fans should look forward to typical smartwatch health utilities such as blood oxygen measurement and 24/7 heart-rate tracking. If like me you don't wear your Watch whilst sleeping, you should find yourself charging your Watch every 1.5 days, as opposed to every day on older models. If you're a Series 6 owner, you'll be upgrading for faster charging, but not longer life.

Make no mistake though, the upgrade to charging is a big one and makes the Apple Watch a much more reliable companion if sleep tracking is important to you. And like I said, given the improvements to the Watch's display, the fact the battery life hasn't diminished I think is an accomplishment in and of itself. Initial reviews for the device have been generally positive with some caveats.

Reviewers praised the watch's potential ability to integrate into everyday life and the overall design of the product, but noted issues of speed and price. Many reviewers described the watch as functional and convenient, while also noting failure to offer as much potential functionality as preceding smartphones. Farhad Manjoo of The New York Times mentioned the device's steep learning curve, stating it took him "three long, often confusing and frustrating days" to become accustomed to watchOS 1, but loved it thereafter.

Some reviewers also compared it to competing products, such as Android Wear devices, and claimed "The Smartwatch Finally Makes Sense". He concluded that there is no "killer application" so far besides telling the time, which is the basic function of a wristwatch anyhow. The Series 7 is also equipped with new hardware that enables ultra-rapid, short-range wireless data transfer at 60.5 GHz, though Apple has not fully explained this new functionality. In comparison to other Apple products and competing smartwatches, marketing of the Apple Watch promoted the device as a fashion accessory.

Apple later focused on its health and fitness-oriented features, in an effort to compete with dedicated activity trackers. The watchOS 3 added fitness tracking for wheelchair users, social sharing in the Activity app, and a Breathe app to facilitate mindfulness. The Apple Watch Series 7, announced in September 2021, is the current iteration of the Apple Watch that originally launched in 2015 and replaced the Series 6.

The Apple Watch Series 7 builds on the design of previous Apple Watch models with a more rounded design and offers some notable new features including larger displays, improved durability, and faster charging. Apple Watch then uses an advanced custom algorithm built into the Blood Oxygen app, which is designed to measure blood oxygen between 70 percent and 100 percent. On-demand measurements can be taken while the user is still, and periodic background measurements occur when they are inactive, including during sleep. All data will be visible in the Health app, and the user will be able to track trends over time to see how their blood oxygen level changes. A tweet has appeared from YouTuber @NikiasMolina claiming to reveal some of the features coming to the Apple Watch Series 6.

The tweet suggests we will see a blood oxygen sensor, along with sleep tracking and a longer battery life. Before getting into the new hardware though, both Cook and Williams made a point of emphasizing the different apps and services that they utilize on their Apple Watches. They positioned the Apple Watch as a personal portal to a whole host of things that range from daily necessities to fitness tools to diversions. This led into a recap of the new features coming to watchOS 7, which rolls out tomorrow, September 16, including things like sleep tracking and a hand-washing app. This would turn out to be some serious foreshadowing, as Apple launched other services that interact with Apple Watch, including Fitness+ and the new Apple One program, but those are stories for another time.

Apple may not be going all out on Oxygen saturation tracking, but with the rest of the core hardware, it is just showing off. Apple says the Series 6 is 20 percent faster than the previous generation thanks to its new dual core S6 processor which is based on the A13 Bionic chip inside the iPhone 11. The S6 brings fast 5GHz Wi-Fi and Ultra Wideband connectivity to the Series 6.

Always-on functionality that Apple launched last year with the Series 5 is getting an update in the Series 6. The Series 7 is powered by Apple's S7 SiP with 64-bit dual-core processor just like the S6, so no huge change there. It also has the same sensor array on the back, ready to measure heart rate and blood oxygen and take an electrocardiogram reading. There's a new fall-detection feature that works during workouts and when cycling, and through WatchOS 8, the Series 7 will measure respiratory rate during sleep. Apple is late to the game with sleep tracking capabilities, as most smartwatches and fitness trackers already offer this feature, and Apple's version is still pretty basic. After you wear the Apple Watch to bed, the Health app on your iPhone shows when you fell asleep, woke up, and your total time in bed and asleep for the night.

It also shows a graph of your heart rate, with your maximum and minimum recorded beats per minute. It charts your sleep for the week and month, and shows your average time in bed and average time asleep. This might sound negligible over previous years, but again, switching from the Series 3, there is definitely a noticeable weight difference to the new watch.

Couple that with the larger size means the new form factor has taken a little bit of adjustment, and if a lightweight, low-profile watch is important to you for exercising, this is just something to bear in mind. On the whole, however, what Apple has done in packing this larger, more vibrant display, better battery life, and SiP improvements into a Watch that barely any bigger than the previous model is definitely to be lauded. A series of seemingly negligible design changes actually add up to make a big difference, and whilst at first glance the Series 7 doesn't look much different, it feels almost like a whole new product.

Paradoxically, one of the best things about the Series 7 is that despite all the new screen real estate, it feels like the design, relatively speaking, has barely changed at all. While the Apple Watch remains one of the standout wearables you can buy, we're still waiting for another leap forwards in functionality and, perhaps, design too. The blood oxygen monitor is another weapon in the arsenal of health Apple is building, but isn't the headline feature most potential upgraders will be clamoring for. As ever, the incremental improvements to the battery life and display are welcome, but it feels like there's untapped potential still with Apple's wearable line.

It does not have a built-in GPS chip, instead relying on a paired iPhone for location services. It uses a linear actuator called the "Taptic Engine" to provide haptic feedback when an alert or a notification is received, and is used for other purposes by certain apps. The watch is equipped with a built-in heart rate sensor, which uses both infrared and visible-light LEDs and photodiodes. All versions of the first-generation Apple Watch have 8 GB of storage; the operating system allows the user to store up to 2 GB of music and 75 MB of photos. When the Apple Watch is paired with an iPhone, all music on that iPhone is also available to be controlled and accessed from the Apple Watch.

The Apple Watch Series 7 does not bring any significant upgrades in terms of features compared to the Watch Series 6. The Health and wellness features of both generations are pretty much the same. Sleep tracking, blood oxygen monitoring, ECG tracking, and fall tracking are standard in Watch Series 6 and Series 7. The rest of Apple's comprehensive health and fitness-tracking features from previous generation Apple Watches return. The Series 6 will track many different sports and has long enough battery life to see most through a marathon. Note you can play music from Apple Music straight from the watch without your phone but not Spotify.