Patent ID: 11869637
Assignee: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY
Field: Medical technology (Instruments)
Classification: CPC G | IPC G

Claim 0:
1. A computer system comprising:
at least one memory with instructions stored thereon; and
at least one processor in communication with the at least one memory, wherein the instructions, when executed by the at least one processor, cause the at least one processor to:
store a policy associated with a user in the at least one memory, wherein the policy comprises a term and is associated with user data indicating a likelihood that the user will maintain a level of health for the term;
receive updated user data associated with the user from a smart network in communication with at least one electronic device associated with the user;
determine a health score associated with the user based on the updated user data, wherein the health score is associated with an updated likelihood that the user will maintain the level of health for a period of time corresponding to the term of the policy; and
update at least one parameter of the policy based on the updated likelihood that the user will maintain the level of health for the period of time corresponding to the term of the policy.