I would fully recommend that if you do want to implement a service such as this into your market, do not ask for the phone companies to do it. As you mentioned... they won't! Instead I recommend that prepare a super presentation to insurance companies and say that this is a method to reduce risk. If they do come to the idea that this service is needed, they themselves will do the rest of the work. This may seem like a small business but in the end you may earn big bucks by setting up the main database server for receiving all the info and then selling dedicated information to the monitoring stations.
Within the last couple of years we have earned heaps as we are the only supplier of such software for phone companies in many countries.
Give it a thought and good luck!