Insurance optimization and longevity analysis

• US 7,941,329 B2
• Filed: 03/13/2008
• Issued: 05/10/2011
• Est. Priority Date: 03/16/2007
• Status: Active Grant

• Current Assignee: 23andme Incorporated (23andMe Holding Co.)
• Original Assignee: Expanse Networks, Inc.
• Inventors: Eldering, Charles Anthony, Kenedy, Andrew Alexander
• Primary Examiner(s): Havan; Thu Thao
• Application Number:
  US12/048,196
• Publication Number:
  US 20080228531A1
• Time in Patent Office: 1,153 Days
• Field of Search: 705/4, 705/35
• US Class Current: 705/4
• CPC Class Codes: G06F 16/00 Information retrieval; Database structures therefor; File system structures therefor
• CPC Class Codes: G06F 16/2282 Tablespace storage structures; Management thereof
• CPC Class Codes: G06F 16/24575 using context
• CPC Class Codes: G06F 16/24578 using ranking
• CPC Class Codes: G06F 16/285 Clustering or classification
• CPC Class Codes: G06F 16/951 Indexing; Web crawling techniques
• CPC Class Codes: G06F 16/9535 Search customisation based on user profiles and personalisation
• CPC Class Codes: G06F 16/9538 Presentation of query results
• CPC Class Codes: G06F 16/955 using information identifiers, e.g. uniform resource locators [URL]
• CPC Class Codes: G06N 3/08 Learning methods
• CPC Class Codes: G06N 5/04 Inference or reasoning models
• CPC Class Codes: G06N 7/01 Probabilistic graphical models, e.g. probabilistic networks
• CPC Class Codes: G06Q 40/00 Finance; Insurance; Tax strategies; Processing of corporate or income taxes
• CPC Class Codes: G06Q 40/08 Insurance
• CPC Class Codes: G09B 19/00 Teaching not covered by other main groups of this subclass teaching or practice apparatus for gun-aiming or gun-laying F41G3/26
• CPC Class Codes: G16B 20/00 ICT specially adapted for functional genomics or proteomics, e.g. genotype-phenotype associations
• CPC Class Codes: G16B 20/20 Allele or variant detection, e.g. single nucleotide polymorphism [SNP] detection
• CPC Class Codes: G16B 20/40 Population genetics; Linkage disequilibrium
• CPC Class Codes: G16H 20/30 relating to physical therapies or activities, e.g. physiotherapy, acupressure or exercising
• CPC Class Codes: G16H 40/63 for local operation
• CPC Class Codes: G16H 50/30 : for calculating health indices; for individual health risk assessment
• CPC Class Codes: G16H 50/70 : for mining of medical data, e.g. analysing previous cases of other patients
• CPC Class Codes: G16H 70/20 : relating to practices or guidelines
• CPC Class Codes: H04L 67/306 : User profiles

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 of genetic and non-genetic attributes that are statistically associated with known longevities and optimized insurance plans derived from other individuals.

Claims

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, wherein the database also contains corresponding statistical results which indicate the strength of association of each of the attribute combinations with one or more of the insurance plans;

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 to indicate how optimal each of the one or more insurance plans determined for the individual is and having a strength of association with the individual profile that is greater than or equal to a user specified threshold.

2. The computer based method of claim 1, wherein the transmitting in step (e) is to at least one destination selected from the group consisting of a user, a database, a dataset, a computer readable memory, a computer readable medium, a computer processor, a computer network, a printout device, a visual display, and a wireless receiver.

3. The computer based method of claim 1, wherein step (d) further comprises identifying, from the set of attribute combinations, one or more attribute combinations which occur in the attribute profile, and wherein step (e) further comprises transmitting as output at least one of the insurance plans associated with the one or more attribute combinations which occur in the attribute profile.

4. The computer based method of claim 1, further comprising:

f) associating the output with the individual and storing the association.

5. The computer based method of claim 1, wherein the identity of the individual is masked or anonymized.

6. The computer based method of claim 1, wherein each of the attribute combinations contains at least one pangenetic attribute, at least one physical attribute, at least one behavioral attribute, and at least one situational attribute.

7. 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 optimal insurance plan attributes associated with other individuals, each of the attribute combinations containing at least one pangenetic attribute and wherein the database also contains corresponding statistical results which indicate the strength of association of each of the attribute combinations with one or more of the optimal insurance plan attributes;

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.

8. A database system for determining an insurance plan for an individual, comprising:

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 and wherein the data structure also contains corresponding statistical results which indicate the strength of association of each of the attribute combinations with one or more of the insurance plans;

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 wherein at least a portion of the corresponding statistical results is included so as to indicate how optimal each of the one or more insurance plans determined for the individual is based upon a predetermined threshold set by the user.

9. The database system of claim 8, wherein part (iv) further comprises identifying, from the set of attribute combinations, one or more attribute combinations which occur in the attribute profile, and wherein part (v) further comprises transmitting as output at least one of the insurance plans associated with the one or more attribute combinations which occur in the attribute profile.

10. 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:

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 and wherein the database also contains corresponding statistical results which indicate the strength of association of each of the attribute combinations with one or more of the insurance plans;

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 and including at least a portion of the corresponding statistical results as output to indicate how optimal each of the one or more insurance plans determined for the individual is.

11. The program storage device of claim 10, wherein step (d) further comprises identifying, from the set of attribute combinations, one or more attribute combinations which occur in the attribute profile, and wherein step (e) further comprises transmitting as output at least one of the insurance plans associated with the one or more attribute combinations which occur in the attribute profile.

12. A computer based method for predicting the longevity of an individual, comprising:

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;

e) transmitting the determination as output, and

f) receiving a query representing a desire to increase the longevity of the individual;

g) identifying, from the set of attribute combinations, at least one attribute combination which is associated with a higher longevity than was determined for the individual and which contains one or more modifiable attributes that do not occur in the attribute profile of the individual; and

h) transmitting the one or more modifiable attributes as output to indicate attributes that can increase the longevity of the individual.

13. The computer based method of claim 12, wherein step (d) further comprises identifying, from the set of attribute combinations, one or more attribute combinations which occur in the attribute profile, and wherein step (e) further comprises transmitting as output at least one of the longevities associated with the one or more attribute combinations which occur in the attribute profile.

14. The computer based method of claim 12, wherein the database also contains corresponding statistical results which indicate the strength of association of each of the attribute combinations with one or more of the longevities, and wherein step (e) further comprises transmitting at least a portion of the corresponding statistical results as output to indicate the potential for the individual to have each of the one or more predicted longevities determined.