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Downloadable computer software for evaluating insurance rates and risk factors; Downloadable computer software for assessing the health, wellness, and injury status of individuals; Downloadable computer application software for smartphones, namely software for assessing the health, wellness, and injury status of individuals; Downloadable computer application software for wearable computer devices and smartwatches, namely software for assessing the health, wellness, and injury status of individuals; Downloadable computer software featuring algorithms for trend forecasting; Downloadable computer software featuring artificial intelligence (AI) for evaluating insurance rates and risk factors; Downloadable computer software for providing data analytics; Downloadable computer application software for smartphones, namely software for providing data analytics; Downloadable computer application software for wearable computer devices and smartwatches, namely software for providing data analytics; Downloadable computer software for accessing, retrieving information and communicating with Radio-frequency identification (RFID) tags, smart devices, beacons and wireless communication nodes; Downloadable computer application software for smartphones, namely software for accessing, retrieving information and communicating with Radio-frequency identification (RFID) tags, smart devices, beacons and wireless communication nodes; Downloadable computer application software for wearable computer devices and smartwatches, namely software for accessing, retrieving information and communicating with Radio-frequency identification (RFID) tags, smart devices, beacons and wireless communication nodes; Downloadable computer software for evaluating insurance risk factors based on photos, video, and audio captured, recorded, or transmitting from cameras, smartphones, drones, or beacons; Beacons and nodes in the nature of transmitters and receivers for wireless communication; Radio-frequency identification (RFID) tags; Radio-frequency identification (RFID) readers