Systems and methods of automating consideration of low cholesterol risk

• US 8,005,694 B1
• Filed: 07/30/2007
• Issued: 08/23/2011
• Est. Priority Date: 12/28/2005
• Status: Active Grant

• Current Assignee: United Services Automobile Association
• Original Assignee: United Services Automobile Association
• Inventors: Goral, James E.
• Primary Examiner(s): Gilligan; Luke
• Assistant Examiner(s): SEREBOFF, NEAL
• Application Number:
  US11/830,490
• Time in Patent Office: 1,485 Days
• Field of Search: 705 2- 4
• US Class Current: 705/4
• CPC Class Codes: G06Q 40/08 Insurance
• CPC Class Codes: G16H 10/40 for data related to laboratory analysis, e.g. patient specimen analysis
• CPC Class Codes: G16H 20/60 relating to nutrition control, e.g. diets
• CPC Class Codes: G16H 50/30 for calculating health indices; for individual health risk assessment

Abstract

Systems, methods, and computer-readable media automate determination of a risk category for low cholesterol associated with issuance of a life insurance policy.

Claims

1. A non-transitory computer-readable medium tangibly storing computer-executable instructions to calculate risk associated with low cholesterol, said instructions comprising instructions for:

deriving a risk criteria value for a medication characteristic based on current applicant medications included in a life insurance application for an applicant;

receiving a risk criteria value for a bodily characteristic from a medical examination;

receiving a risk criteria value for a cholesterol-ratio characteristic from a laboratory test;

assigning through computer-automated operations a low-cholesterol risk category based on the risk criteria values for the medication, bodily and cholesterol-ratio characteristics; and

identifying a test for the applicant in order to be assigned a best potential low-cholesterol risk category upon reconsideration.

2. The medium of claim 1, the instructions further comprising instructions for receiving an entry from a user input device.

3. The medium of claim 2, the instructions further comprising instructions for displaying the risk criteria values for the first, second, and third characteristics on a display module.

4. The medium of claim 1, the instructions further comprising instructions for displaying the low-cholesterol risk category on a display module.

5. The medium of claim 1, the instructions further comprising instructions for displaying an indication on a display module to consult a medical director if the low-cholesterol risk category exceeds a threshold.

6. The medium of claim 1, wherein the third characteristic comprises a ratio of total cholesterol to high density lipoprotein.

7. The medium of claim 1, the instructions further comprising instructions for using a table calculator to assign the low-cholesterol risk category.

8. A processor-implemented low-cholesterol categorization method, comprising:

deriving via a processor a risk criteria value for a medication characteristic based on current applicant medications included in a life insurance application for an applicant;

receiving a risk criteria value for a bodily characteristic from a medical examination;

receiving a risk criteria value for a cholesterol-ratio characteristic from a laboratory test;

assigning via the processor a low-cholesterol risk category based on the risk criteria values for the medication, bodily and cholesterol-ration characteristics; and

identifying via the processor a test for the applicant in order to be assigned a best potential low-cholesterol risk category upon reconsideration.

9. The method of claim 8, further comprising:

receiving an entry from a user input device.

10. The method of claim 8, further comprising:

displaying the risk criteria values for the first, second, and third characteristics on a display module.

11. The method of claim 8, further comprising:

displaying the low-cholesterol risk category on a display module.

12. The method of claim 8, further comprising:

displaying an indication on a display module to consult a medical director if the low-cholesterol risk category exceeds a threshold.

13. The method of claim 8, wherein the third characteristic comprises a ratio of total cholesterol to high density lipoprotein.

14. The method of claim 8, further comprising:

assigning the low-cholesterol risk category using a table calculator.

15. A low-cholesterol categorization system, comprising:

a processor; and

a memory disposed in communication with the processor and storing processor-executable instructions, the instructions comprising instructions to;

derive a risk criteria value for a medication characteristic based on current applicant medications included in a life insurance application for an applicant;

receive a risk criteria value for a bodily characteristic from a medical examination;

receive a risk criteria value for a cholesterol-ratio characteristic from a laboratory test;

assign a low-cholesterol risk category based on the risk criteria values for the medication, bodily and cholesterol-ratio characteristics; and

identifying a test for the applicant in order to be assigned a best potential low-cholesterol risk category upon reconsideration.

16. The system of claim 15, the instructions further comprising instructions to:

receive an entry from a user input device.

17. The system of claim 15, the instructions further comprising instructions to:

display the risk criteria values for the first, second, and third characteristics on a display module.

18. The system of claim 15, the instructions further comprising instructions to:

display the low-cholesterol risk category on a display module.

19. The system of claim 15, the instructions further comprising instructions to:

display an indication on a display module to consult a medical director if the low-cholesterol risk category exceeds a threshold.

20. The system of claim 15, wherein the third characteristic comprises a ratio of total cholesterol to high density lipoprotein.

21. The system of claim 15, the instructions further comprising instructions to:

assign the low-cholesterol risk category using a table calculator.