RAPID TESTS FOR INSURANCE UNDERWRITING
First Claim
1. A kit for assessing a life or health insurance applicant, which kit comprises at least two rapid test devices (e.g., singleplex or multiplex rapid test devices), said rapid test devices are configured to assess at least two analytes in a sample derived from a life or health insurance applicant, said at least two analytes being selected from the group consisting of a human immunodeficiency virus (HIV) antigen (e.g., a HIV polypeptide), a HIV polynucleotide, an anti-HIV antibody, a hepatitis C virus (HCV) antigen (e.g., a HCV polypeptide), a HCV polynucleotide, an anti-HCV antibody, a liver enzyme alanine transaminase (ALT), a liver enzyme aspartate transaminase (AST), nt-probnp (or NT-proBNP), probnp (or proBNP), cotinine, nicotine, cocaine, a metabolite of cocaine (e.g., benzoylecgonine), prostate-specific antigen (PSA), apolipoprotein A-1 (ApoA1), apolipoprotein B (ApoB), Hemoglobin A1c and high-sensitivity C-reactive protein (hsCRP), and preferably, said kit can be used for assessing a life or health insurance applicant at point of presence.
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Accused Products
Abstract
The present invention relates to rapid test devices, kits and systems comprising the rapid test devices for assessing at least two analytes in a sample derived from a life or health insurance applicant, said at least two analytes being selected from the group consisting of a human immunodeficiency virus (HIV) antigen (e.g., a HIV polypeptide), a HIV polynucleotide, an anti-HIV antibody, a hepatitis C virus (HCV) antigen (e.g., a HCV polypeptide), a HCV polynucleotide, an anti-HCV antibody, a liver enzyme alanine transaminase (ALT), a liver enzyme aspartate transaminase (AST), nt-probnp (or NT-proBNP), probnp (or proBNP), cotinine, nicotine, cocaine, a metabolite of cocaine (e.g., benzoylecgonine), prostate-specific antigen (PSA), apolipoprotein A-1 (ApoA1), apolipoprotein B (ApoB), Hemoglobin A1c and high-sensitivity C-reactive protein (hsCRP). The present invention also relates to methods for using the rapid test devices, kits and systems as part of the assessment of the life or health insurance applications.
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Citations
28 Claims
- 1. A kit for assessing a life or health insurance applicant, which kit comprises at least two rapid test devices (e.g., singleplex or multiplex rapid test devices), said rapid test devices are configured to assess at least two analytes in a sample derived from a life or health insurance applicant, said at least two analytes being selected from the group consisting of a human immunodeficiency virus (HIV) antigen (e.g., a HIV polypeptide), a HIV polynucleotide, an anti-HIV antibody, a hepatitis C virus (HCV) antigen (e.g., a HCV polypeptide), a HCV polynucleotide, an anti-HCV antibody, a liver enzyme alanine transaminase (ALT), a liver enzyme aspartate transaminase (AST), nt-probnp (or NT-proBNP), probnp (or proBNP), cotinine, nicotine, cocaine, a metabolite of cocaine (e.g., benzoylecgonine), prostate-specific antigen (PSA), apolipoprotein A-1 (ApoA1), apolipoprotein B (ApoB), Hemoglobin A1c and high-sensitivity C-reactive protein (hsCRP), and preferably, said kit can be used for assessing a life or health insurance applicant at point of presence.
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9. A lateral flow test device for assessing a life or health insurance applicant, which device is configured to assess at least two analytes in a sample derived from a life or health insurance applicant, said at least two analytes being selected from the group consisting of a HIV antigen (e.g., a HIV polypeptide), a HIV polynucleotide, an anti-HIV antibody, a HCV antigen (e.g., a HCV polypeptide), a HCV polynucleotide, an anti-HCV antibody, a liver enzyme alanine transaminase (ALT), a liver enzyme aspartate transaminase (AST), nt-probnp (or NT-proBNP), probnp (or proBNP), cotinine, nicotine, cocaine, a metabolite of cocaine (e.g., benzoylecgonine), PSA, ApoA1, ApoB, Hemoglobin A1c and hsCRP, and
said device comprises a porous matrix that comprises at least two distinct test locations on said porous matrix, each of said test locations comprising a test reagent that binds to an analyte or another binding reagent that binds to said analyte, or is an analyte or an analyte analog that competes with an analyte in said sample for binding to a binding reagent for said analyte, and said test reagents at said at least two test locations bind to at least two different analytes or different binding reagents that bind to said different analytes, or are different analytes or analyte analogs, wherein a liquid sample flows laterally along said test device and passes said test locations to form a detectable signal to assess said at least two analytes in a sample, and the formation of said detectable signal requires the use of a detectable label.
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17. A method for assessing a life or health insurance applicant, which method comprises:
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a) assessing the presence, absence and/or amount of at least two analytes in a sample derived from a life or health insurance applicant using a rapid test, said at least two analytes being selected from the group consisting of a HIV antigen (e.g., a HIV polypeptide), a HIV polynucleotide, an anti-HIV antibody, a HCV antigen (e.g., a HCV polypeptide), a HCV polynucleotide, an anti-HCV antibody, a liver enzyme alanine transaminase (ALT), a liver enzyme aspartate transaminase (AST), nt-probnp (or NT-proBNP), probnp (or proBNP), cotinine, nicotine, cocaine, a metabolite of cocaine (e.g., benzoylecgonine), PSA, ApoA1, ApoB, Hemoglobin A1c and hsCRP, and b) assessing an insurance application from said life or health insurance applicant based on the test results obtained in step a). - View Dependent Claims (19, 20, 22, 23, 24, 25, 26, 27, 28)
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Specification