Patent ID: 7319970
Filing Date: 2008-01-15
Classification: G06Q,G16H

Abstract:
1. A computer system for evaluating insurability of at least one individual, comprising: a display means for displaying a plurality of survey questions pertaining to said individual's lifestyle, health, and medical tests; entry means for inputting information into said computer system in response to said plurality of survey questions and for causing said display unit to display said information; a computer system database for receiving and storing said information; means for verifying whether at least some of said information is true by comparing said information with additional information; means for deleting, adding to, or changing said information subsequent to having received and stored said information; means for assigning weight values in a weighting file in said computer system database, said weight values being assigned by analyzing said information; means for assigning risk values to each of said weight values that represent levels insurance risk; means for determining a total value based upon said assigned risk values and said assigned weight values for all of said information; choosing means for selecting certain information and certain pre-defined suggestions on medical and lifestyle choices that would lead to improving health and decreasing risk and that have similar subject matter to said information; evaluating means for comparing each of said total values for said information with pre-defined accepted values and for comparing said chosen pre-defined suggestions with said information, wherein pre-defined suggestions are selected that are specific and closely-tailored to said information and to the needs of said individual, including recommendations for treatment of health problems and for altering lifestyle to ensure better future health; messaging means for providing messages that contain said pre-defined suggestions; analyzing means for determining said level of insurance risk such that both a cot and an insurability profile are determined; and communicating means for automatically communicating said level of insurance risk.