Patent ID: 8805708

Claim:
A computerized method for generating insurance risk related data, the method comprising: receiving an insurance application from an individual seeking to obtain insurance coverage, wherein the insurance application includes data associated with the individual and a selection associated with providing a bio-sample collection kit; providing a bio-sample collection kit to the individual based on the insurance application; receiving a bio-sample from an individual using the bio-sample collection kit; automatically authenticating, at a computer processor of a first computing device, the identity of the individual, wherein authenticating the individual comprises receiving authenticating data from the individual and associating the bio-sample with the individual based on the authenticating data; receiving an analysis of the bio-sample to determine the biomarker information; generating, using a processor of a second computing device, biomarker data for the individual, wherein the biomarker data is representative of the biomarker information and the authenticating data; generating, using a computer processor of a third computing device, insurance risk data associated with the individual and that is based, at least in part, on the insurance application data and the biomarker data; and determining, using the processor of the third computing device, an insurance risk assessment for the individual based on the insurance risk data, wherein the insurance risk assessment predicates an insurance rate to be offered to the individual.