Systems and methods of automating determination of low body mass risk

• US 8,024,204 B1
• Filed: 07/30/2007
• Issued: 09/20/2011
• 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): Morgan; Robert W
• Assistant Examiner(s): SEREBOFF, NEAL
• Application Number:
  US11/830,600
• Time in Patent Office: 1,513 Days
• Field of Search: 705 2- 4
• US Class Current: 705/4
• CPC Class Codes: G06Q 40/08 Insurance
• 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 body mass index associated with issuance of a life insurance policy.

Claims

1. A non-transitory computer-readable medium storing computer-executable low body mass risk calculation instructions for:

receiving a first risk criteria value for a first body mass characteristic from a life insurance application;

receiving a second risk criteria value for a second body mass characteristic from a medical examination;

receiving a third risk criteria value for a third body mass characteristic from a laboratory test; and

assigning through computer-automated operations a risk category for a low body mass index based on the first, second, and third criteria values for the body mass characteristics.

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

3. The computer-readable medium of claim 1, further comprising instructions for displaying the first, second, and third body mass characteristics on a display module.

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

5. The computer-readable medium of claim 1, further comprising instructions for generating a body mass index value, and receiving the risk criteria values only if the body mass index value is within a predetermined range.

6. The computer-readable medium of claim 1, further comprising instructions for improving the risk category only if the first, second, and third criteria values match predetermined target values.

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

8. A low body mass risk calculation processor-implemented method, comprises:

receiving a first risk criteria value for a first body mass characteristic from a life insurance application;

receiving a second risk criteria value for a second body mass characteristic from a medical examination;

receiving a third risk criteria value for a third body mass characteristic from a laboratory test; and

assigning via a processor a risk category for a low body mass index based on the first, second, and third criteria values for the body mass characteristics.

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 first, second, and third body mass characteristics on a display 17 module.

11. The method of claim 8, further comprising:

displaying the risk category on a display module.

12. The method of claim 8, further comprising:

generating a body mass index value, and receiving the risk criteria values only if the body mass index value is within a predetermined range.

13. The method of claim 8, further comprising:

improving the risk category only if the first, second, and third criteria values match predetermined target values.

14. The method of claim 8, wherein the risk category is assigned using a table calculator.

15. A low body mass risk calculation system, comprises:

a memory; and

a processor disposed in communication with the memory and configured to issue processing instructions stored in the memory, wherein the processor issues instructions to;

receive a first risk criteria value for a first body mass characteristic from a life insurance application;

receive a second risk criteria value for a second body mass characteristic from a medical examination;

receive a third risk criteria value for a third body mass characteristic from a laboratory test; and

assign a risk category for a low body mass index based on the first, second, and third criteria values for the body mass characteristics.

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

receive an entry from a user input device.

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

display the first, second, and third body mass characteristics on a display module.

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

display the risk category on a display module.

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

generate a body mass index value, and receiving the risk criteria values only if the body mass index value is within a predetermined range.

20. The system of claim 15, the processor further issuing instructions to:

improve the risk category only if the first, second, and third criteria values match predetermined target values.

21. The system of claim 15, wherein the risk category is assigned using a table calculator.