Using images and voice recordings to facilitate underwriting life insurance

A system for evaluating an insurance applicant as part of an underwriting process to determine a life insurance premium, the system comprising:

• a data receiving circuit configured to receive otherwise non-diagnostic conventional moving image and audio data of the insurance applicant;
• and
• a processor comprising an electronic circuit employing a neural network and—
• trained to correlate one or more aspects of appearance and/or voice with a personal and/or health-related characteristic by being provided with a database of otherwise non-diagnostic conventional moving image and audio data of individuals having known personal and/or health-related characteristics, and
• configured to analyze the otherwise non-diagnostic conventional moving image and audio data of the insurance applicant to determine the personal and/or health-related characteristic for the insurance applicant, to use the determined personal and/or health-related characteristic to verify information provided by the insurance applicant, and to substantially automatically determine the life insurance premium based at least in part on the determined personal and/or health-related characteristic.