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US 8,019,628 B1Granted
Systems and methods of automating determination of hepatitis risk
AssigneeUnited Services Automobile Association
InventorJames E. Goral
Life of this patent
Estimating the term…
Abstract
Systems, methods, and computer-readable media automate determination of a risk category for hepatitis associated with issuance of a life insurance policy.
Claims21
A non-transitory computer-readable medium tangibly storing computer-executable hepatitis risk evaluation, said instructions comprising instructions for:
- receiving at least one risk criteria value for a first characteristic from a life insurance application for a life insurance applicant;
- receiving at least one risk criteria value for a second characteristic from a laboratory test;
- and
- assigning through computer-automated operations a risk category for hepatitis markers based on the risk criteria values for the first and second characteristics;
- and
- identifying at least one test for the life insurance applicant in order to be assigned a best potential risk category upon reconsideration of the risk category for hepatitis markers.
3 more elements
A non-transitory computer-readable medium storing computer-executable hepatitis risk assessment, said instructions comprising instructions for:
- comparing, through computer-automated operations, at least one risk criteria value to at least one predetermined value;
- and
- determining a risk category for hepatitis markers based on the comparison;
- and
- identifying at least one test for the life insurance applicant in order to be assigned a best potential risk category upon reconsideration of the risk category for hepatitis markers.
2 more elements
A non-transitory computer-readable medium tangibly storing computer-executable life insurance underwriting, said instructions comprising instructions for:
- determining an initial risk category for hepatitis markers for a life insurance applicant;
- obtaining an indication that the initial risk category should be reconsidered;
- identifying a test for the life insurance applicant in order to be assigned a best potential risk category upon reconsidering the initial risk category;
- obtaining results of the identified test;
- determining a reconsidered risk category for hepatitis markers for the life insurance applicant using the results of the identified test;
- and
- incorporating the reconsidered risk category for hepatitis markers into an automated life insurance underwriting process.
4 more elements
Dependencies are inferred from the claim text.