Patent ID: 8484050

Claim:
A computer method for evaluating expected changes in mortality of an insurable class in response to a change in underwriting requirements, the method being executed on computer hardware, comprising the steps of: storing data relating to protective values of a plurality of underwriting requirements on the computer hardware; calculating values of a shared mortality savings and a first and second unique mortality savings for a first set underwriting requirements including blood tests and motor vehicle reports based on the stored protective values with the computer hardware, the shared mortality savings being calculated based on a combination of both the blood tests and the motor vehicle reports, the first unique mortality saving being calculated by eliminating causes of death determined by the blood tests, the second unique mortality saving calculated by eliminating causes of death determined by the motor vehicle reports; determining an expected mortality for the insurable class using the first set of underwriting requirements, by using the shared mortality savings and the first and the second unique mortality savings; changing the first set of underwriting requirements to a changed set of underwriting requirements; and redetermining the expected mortality for the insurable class using the changed set of underwriting requirements to evaluate changes in expected mortality as a function of a change of the underwriting requirements.