Using images and voice recordings to facilitate underwriting life insurance

A computer system for evaluating an insurance applicant as part of an underwriting process to determine an appropriate life insurance premium, the computer system comprising one or more processors configured to:

• train a processing element having a neural network to correlate one or more aspects of appearance and voice with personal and/or health-related characteristics by providing the processing element with a database of otherwise non-diagnostic conventional moving image and audio data of individuals having known personal and/or health-related characteristics;
• receive with a communication element otherwise non-diagnostic conventional moving image and audio data of the insurance applicant;
• analyze with the trained processing element the otherwise non-diagnostic conventional moving image and audio data of the insurance applicant to determine the personal and/or health-related characteristics for the insurance applicant;
• use, by or via the processing element, the determined personal and/or health-related characteristics to verify information provided by the insurance applicant;
• and
• automatically determine or adjust with the processing element a life or health insurance premium or discount based, at least in part, on the determined personal and/or health-related characteristics.

A computer system for evaluating applicant provided moving image and audio data to adjust or generate a life or health insurance policy, premium, or discount, the computer system comprising one or more processors and/or associated transceivers configured to:

• receive moving image and audio data from an applicant's mobile device, such as via wireless communication or data transmission;
• compare the moving image and audio data with moving image and audio data stored in a database that have corresponding pre-determined health conditions or risk levels;
• identify a health condition or risk level for the applicant based upon the comparison of the applicant's moving image and audio data with the moving image and audio data stored in the database;
• and
• automatically determine or adjust a life or health insurance premium or discount based, at least in part, on the health condition or risk level for the applicant that is determined from their moving image and audio data to facilitate providing more accurate or appropriate insurance premiums in view of risk, or lack thereof, to insurance customers.