Insurance Optimization and Longevity Analysis
First Claim
Patent Images
1. A computer based method for determining an insurance plan for an individual, comprising:
- a) receiving a query for determining an insurance plan for an individual;
b) accessing an attribute profile associated with the individual, the attribute profile comprising pangenetic and non-pangenetic attributes;
c) accessing a database containing a set of attribute combinations associated with a set of insurance plans, each attribute combination containing at least one pangenetic attribute;
d) determining one or more insurance plans for the individual based on at least one comparison of the attribute profile with the set of attribute combinations; and
e) transmitting the determination as output.
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Accused Products
Abstract
A method, software, database and system for predicting the longevity of an individual and for determining an optimal insurance plan for an individual are presented in which an attribute profile of the individual containing genetic and non-genetic attributes is compared against a database containing combinations genetic and non-genetic attributes that are statistically associated with known longevities and optimized insurance plans derived from other individuals.
83 Citations
20 Claims
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1. A computer based method for determining an insurance plan for an individual, comprising:
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a) receiving a query for determining an insurance plan for an individual; b) accessing an attribute profile associated with the individual, the attribute profile comprising pangenetic and non-pangenetic attributes; c) accessing a database containing a set of attribute combinations associated with a set of insurance plans, each attribute combination containing at least one pangenetic attribute; d) determining one or more insurance plans for the individual based on at least one comparison of the attribute profile with the set of attribute combinations; and e) transmitting the determination as output. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8)
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9. A computer based method for determining an insurance plan for an individual, comprising:
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a) receiving a query for determining an insurance plan for an individual; b) accessing an attribute profile associated with the individual, the attribute profile comprising pangenetic and non-pangenetic attributes; c) accessing a database containing a set of attribute combinations associated with a set of optimal insurance plan attributes associated with other individuals, each of the attribute combinations containing at least one pangenetic attribute; d) identifying, from the set of attribute combinations, one or more attribute combinations which occur in the attribute profile; and e) transmitting as output one or more optimal insurance plan attributes associated with the one or more attribute combinations which occur in the attribute profile, to provide a determination of an insurance plan for the individual. - View Dependent Claims (10)
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11. A database system for determining an insurance plan for an individual, comprising:
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a) a memory containing; i) a first data structure containing an attribute profile associated with the individual, the attribute profile comprising pangenetic and non-pangenetic attributes; ii) a second data structure containing a database which contains a set of attribute combinations associated with a set of insurance plans, each attribute combination containing at least one pangenetic attribute; b) a processor for; i) receiving a query for determining an insurance plan for an individual; ii) accessing the first data structure; iii) accessing the second data structure; iv) determining one or more insurance plans for the individual based on at least one comparison of the attribute profile with the set of attribute combinations; and v) transmitting the determination as output. - View Dependent Claims (12, 13)
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14. A program storage device readable by a machine and containing a set of instructions which, when read by the machine, causes execution of a computer based method for determining an insurance plan for an individual, comprising:
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a) receiving a query for determining an insurance plan for an individual; b) accessing an attribute profile associated with the individual, the attribute profile comprising pangenetic and non-pangenetic attributes; c) accessing a database containing a set of attribute combinations associated with a set of insurance plans, each attribute combination containing at least one pangenetic attribute; d) determining one or more insurance plans for the individual based on at least one comparison of the attribute profile with the set of attribute combinations; and e) transmitting the determination as output. - View Dependent Claims (15, 16)
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17. A computer based method for predicting the longevity of an individual, comprising:
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a) receiving a query for predicting the longevity of an individual; b) accessing an attribute profile associated with the individual, the attribute profile comprising pangenetic and non-pangenetic attributes; c) accessing a database containing a set of attribute combinations associated with a set of longevities, each attribute combination containing at least one pangenetic attribute; d) determining one or more predicted longevities for the individual based on at least one comparison of the attribute profile with the set of attribute combinations; and e) transmitting the determination as output. - View Dependent Claims (18, 19, 20)
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Specification