Systems and methods for reinsurance utilizing epigenetic information

• US 20090100095A1
• Filed: 11/27/2007
• Published: 04/16/2009
• Est. Priority Date: 10/04/2007
• Status: Abandoned Application

• Current Assignee: Searete LLC (Intellectual Ventures LLC)
• Original Assignee: Searete LLC (Intellectual Ventures LLC)
• Inventors: Jung, Edward K.Y., Wood, Lowell L. JR., Rivet, Dennis J., Hyde, Roderick A., Kare, Jordin T., Leuthardt, Eric C.
• Application Number:
  US11/986,966
• Publication Number:
  US 20090100095A1
• Time in Patent Office: Days
• US Class Current: 1/1
• CPC Class Codes: G06Q 10/0635 Risk analysis of enterprise or organisation activities
• CPC Class Codes: G06Q 40/08 Insurance

Abstract

A method may include receiving epigenetic information associated with at least one individual. The epigenetic information may be utilized to calculate a risk. A least a portion of the risk may be transferred utilizing the epigenetic information.

Claims

1. A computer-implemented method comprising:

receiving epigenetic information associated with at least one individual;

calculating a risk utilizing the epigenetic information; and

transferring at least a portion of the risk utilizing the epigenetic information.

2-42. -42. (canceled)

43. A system comprising:

means for receiving epigenetic information associated with at least one individual;

means for calculating a risk utilizing the epigenetic information; and

means for transferring at least a portion of the risk utilizing the epigenetic information.

44. The system of claim 43, wherein means for receiving epigenetic information associated with at least one individual comprises:

means for receiving epigenetic information in the form of a database.

45. The system of claim 43, wherein means for receiving epigenetic information associated with at least one individual comprises:

means for receiving a set amount of epigenetic information for an individual.

46. The system of claim 43, wherein means for receiving epigenetic information associated with at least one individual comprises:

means for receiving a first set of epigenetic information associated with an individual; and

means for receiving a second set of epigenetic information associated with the individual.

47. The system of claim 46, further comprising:

means for receiving a third set of epigenetic information associated with the individual.

48. The system of claim 43, wherein means for receiving epigenetic information associated with at least one individual comprises:

means for receiving information including a cytosine methylation status of CpG positions.

49. The system of claim 43, wherein means for receiving epigenetic information associated with at least one individual comprises:

means for receiving information including a histone modification status.

50. The system of claim 43, wherein means for receiving epigenetic information associated with at least one individual comprises:

means for receiving epigenetic information for a second individual.

51. The system of claim 50, wherein means for receiving epigenetic information for a second individual comprises:

means for receiving epigenetic information in the form of a database.

52. The system of claim 50, wherein means for receiving epigenetic information for a second individual comprises:

means for receiving a set amount of epigenetic information for a plurality of individuals including the at least one individual and the second individual.

53. The system of claim 50, wherein means for receiving epigenetic information for a second individual comprises:

means for receiving a first set of epigenetic information associated with the at least one individual including the second individual; and

means for receiving a second set of epigenetic information associated with the at least one individual including the second individual.

54. The system of claim 53, further comprising:

means for receiving a third set of epigenetic information associated with the at least one individual including the second individual.

55. The system of claim 50, wherein means for receiving epigenetic information for a second individual comprises:

means for receiving information including a cytosine methylation status of CpG positions.

56. The system of claim 50, wherein means for receiving epigenetic information for a second individual comprises:

means for receiving information including a histone modification status.

57. The system of claim 43, wherein means for receiving epigenetic information associated with at least one individual comprises:

means for receiving the epigenetic information on a subscription basis.

58. The system of claim 43, wherein means for calculating a risk utilizing the epigenetic information comprises:

means for underwriting a risk at least partially based on the epigenetic information.

59. The system of claim 58, wherein means for underwriting a risk at least partially based on the epigenetic information comprises:

means for correlating epigenetic information to a risk factor at least partially based on the epigenetic information.

60. The system of claim 58, wherein means for underwriting a risk at least partially based on the epigenetic information comprises:

means for underwriting a life insurance policy.

61. The system of claim 58, wherein means for underwriting a risk at least partially based on the epigenetic information comprises:

means for underwriting a health insurance policy.

62. The system of claim 58, wherein means for underwriting a risk at least partially based on the epigenetic information comprises:

means for underwriting a loan.

63. The system of claim 58, wherein means for underwriting a risk at least partially based on the epigenetic information comprises:

means for underwriting an issuance of securities.

64. The system of claim 43, wherein means for calculating a risk utilizing the epigenetic information comprises:

means for combining at least a portion of the risk from the at least one individual with a risk from a second individual.

65. The system of claim 43, wherein means for transferring at least a portion of the risk utilizing the epigenetic information comprises:

means for reinsuring a transferred risk.

66. The system of claim 65, wherein means for reinsuring a transferred risk comprises:

means for transferring risk to a treaty reinsurance contract.

67. The system of claim 66, wherein means for transferring risk to a treaty reinsurance contract comprises:

means for transferring risk to a stop-loss treaty reinsurance contract.

68. The system of claim 65, wherein means for reinsuring a transferred risk comprises:

means for transferring risk to a facultative reinsurance contract.

69. The system of claim 65, wherein means for reinsuring a transferred risk comprises:

means for transferring risk to an automatic facultative reinsurance contract.

70. The system of claim 65, wherein means for reinsuring a transferred risk comprises:

means for transferring risk to a supplemental reinsurance contract.

72. The system of claim 65, wherein means for reinsuring a transferred risk comprises:

means for transferring risk to a proportional reinsurance contract.

75. The system of claim 65, wherein means for reinsuring a transferred risk comprises:

means for transferring risk to a non-proportional reinsurance contract.

76. The system of claim 65, wherein means for reinsuring a transferred risk comprises:

means for transferring risk to a continuous reinsurance contract.

77. The system of claim 65, wherein means for reinsuring a transferred risk comprises:

means for transferring risk to a term reinsurance contract.

78. The system of claim 65, wherein means for reinsuring a transferred risk comprises:

means for transferring risk to an obligatory reinsurance contract.

79. The system of claim 65, wherein means for reinsuring a transferred risk comprises:

means for transferring risk by utilizing a combined proportional and non-proportional reinsurance contract.

80. The system of claim 65, wherein means for reinsuring a transferred risk comprises:

means for transferring risk by utilizing a reinsurance broker.

81. The system of claim 65, wherein means for reinsuring a transferred risk comprises:

means for transferring risk by utilizing a direct writing reinsurer.

82. The system of claim 65, further comprising:

means for retrocessing at least a portion of a transferred risk.

83. The system of claim 65, wherein means for reinsuring a transferred risk comprises:

means for transferring risk by utilizing a financial reinsurance contract.

71. [canceled]

73-74. -74. (canceled)

84. [canceled]

85. A system comprising:

circuitry for receiving epigenetic information associated with at least one individual;

circuitry for calculating a risk utilizing the epigenetic information; and

circuitry for transferring at least a portion of the risk utilizing the epigenetic information.