Patent ID: 7685007

Claim:
A method capable of providing an insurance program, comprising; a) receiving a request from an individual for insurance coverage; b) for a first time period, calculating, with a computer, a first premium for providing insurance coverage to the individual during the first time period based on a first health examination of the individual; c) charging the individual the first premium and providing insurance coverage to the individual during the first time period; d) for a second time period subsequent to the first time period, calculating, with the computer, a second premium for providing insurance coverage to the individual during the second time period based on a second health examination of the individual; e) determining, with the computer, that the second premium is less than the first premium; f) charging the individual the first premium and providing insurance to the individual during the second time period; g) depositing the difference between the first premium and the second premium in an account crediting the individual, thereby providing a health maintenance incentive for the individual.