Risk Assessment Company
First Claim
1. A method wherein the life or health risk of a person is evaluated based on information maintained in a Risk Profile Data Base (RPDB) and the result of said evaluation is used for one or both of the following purposes:
- to offer an insurance policy in an underwriting class determined by the said evaluation;
to provide said person with a life or health expectancy report containing suggestions on how said person can improve said life or health expectancy.
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Accused Products
Abstract
A Risk Assessment Company (RAC) maintains an up to date Risk Profile Data Base (RPDB) on its members based on their normal periodic health checkups. The Risk Assessment Company, therefore, can offer life or health insurance policies from a plurality of carriers to any given member at any given time based on the underwriting class determined by the data in the Risk Profile Data Base. The Risk Assessment Company can also provide a member with a life or health expectancy report containing suggestions on how said person can improve his or her life or health expectancy.
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Citations
4 Claims
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1. A method wherein the life or health risk of a person is evaluated based on information maintained in a Risk Profile Data Base (RPDB) and the result of said evaluation is used for one or both of the following purposes:
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to offer an insurance policy in an underwriting class determined by the said evaluation; to provide said person with a life or health expectancy report containing suggestions on how said person can improve said life or health expectancy. - View Dependent Claims (2, 3, 4)
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Specification