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AssigneeState Farm Mutual Automobile Insurance Company
InventorsMichael L. Bernico, Jeffrey S. Myers
Estimating the term…
A system and method for evaluating an insurance applicant as part of an underwriting process to determine one or more appropriate terms of life or other insurance coverage, such as premiums. A processing element employing a neural network is trained to correlate aspects of appearance and/or voice with personal and/or health-related characteristic. A database of images and/or voice recordings of individuals with known personal and/or health-related characteristics is provided for this purpose. The processing element is then provided with an image and/or voice recording of the insurance applicant. The image may be an otherwise non-diagnostic image, such as an ordinary “selfie.” The trained processing element analyzes the image of the insurance applicant, with their permission or affirmative consent, to determine the personal and/or health-related characteristic for the insurance applicant, and then, based upon that analysis, facilitates the underwriting process and/or suggests the one or more appropriate terms of insurance coverage.
1-20. (canceled)
A computer system for processing image data and audio data using machine learning tools to identify health-related characteristics of a user, the computer system comprising at least one processor and at least one memory in communication with the at least one processor, the at least one processor programmed to:
A computer-implemented method for processing image data and audio data using machine learning tools to identify health-related characteristics of a user, the computer-implemented method performed by at least one processor in communication with at least one memory, the computer-implemented method comprising:
At least one non-transitory computer-readable media having computer-executable instructions embodied thereon for processing image data and audio data using machine learning tools to identify health-related characteristics of a user, wherein when executed by at least one processor in communication with at least one memory, the computer-executable instructions cause the at least one processor to:
Dependencies are inferred from the claim text.