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US 8,271,300 B1Granted
Reflexive underwriting application responses
AssigneeUsaa
InventorsJames E. Goral, Richard Charles Neal, Michael Belko
Life of this patent
Estimating the term…
Abstract
Systems and methods for gathering information for insurance underwriting may present a question from a sequence of questions. Questions in the sequence of questions may relate to an insurance underwriting function. A response to the question may be collected and analyzed. An investigative function may be selected based upon the analysis of the response to the question. Other embodiments may be described and claimed.
Claims18
A reflexive underwriting processor-implemented method, comprises:
- selecting a list of first-level core questions from a pool of insurance questions;
- presenting the list of first-level core questions for an insurance applicant;
- obtaining answers to some of the list of presented first-level core questions;
- determining, via a processor, that at least one of the answers to some of the list of presented first-level core questions relates to a family member of the insurance applicant;
- selecting, via the processor, a list of second-level topical questions related to the family member from the pool of insurance questions based on the obtained answers to some of the list of presented first-level core questions;
- presenting the selected list of second-level topical questions related to the family member;
- obtaining answers to some of the presented list of second-level topical questions related to the family member;
- selecting a list of third-level subtopic questions related to the family member from the pool of insurance questions based on the obtained answers to some of the presented list of second-level topical questions related to the family member;
- presenting the selected list of third-level subtopic questions related to the family member;
- obtaining answers to the presented list of third-level subtopic questions related to the family member;
- presenting a next unanswered second-level topical question related to the family member upon obtaining answers to the presented list of third-level subtopic questions related to the family member;
- obtaining an answer to the presented next unanswered second-level topical question related to the family member;
- selecting a next unanswered first-level core question from the pool of insurance questions upon obtaining the answer to the presented next unanswered second-level topical question related to the family member;
- presenting the selected next unanswered first-level core question;
- and
- obtaining an answer to the presented next unanswered first-level core question.
13 more elements
A reflexive underwriting system, comprises:
- a processor;
- and
- a memory disposed in communication with the processor and storing processor-executable instructions, the instructions comprising instructions to:
- select a list of first-level core questions from a pool of insurance questions;
- present the list of first-level core questions for an insurance applicant;
- obtain answers to some of the list of presented first-level core questions;
- determine that at least one of the answers to some of the list of presented first-level core questions relates to a family member of the insurance applicant;
- select a list of second-level topical questions related to the family member from the pool of insurance questions based on the obtained answers to some of the list of presented first-level core questions;
- present the selected list of second-level topical questions related to the family member;
- obtain answers to some of the presented list of second-level topical questions related to the family member;
- select a list of third-level subtopic questions related to the family member from the pool of insurance questions based on the obtained answers to some of the presented list of second-level topical questions related to the family member;
- present the selected list of third-level subtopic questions related to the family member;
- obtain answers to the presented list of third-level subtopic questions related to the family member;
- present a next unanswered second-level topical question related to the family member upon obtaining answers to the presented list of third-level subtopic questions related to the family member;
- obtain an answer to the presented next unanswered second-level topical question related to the family member;
- select a next unanswered first-level core question from the pool of insurance questions upon obtaining the answer to the presented next unanswered second-level topical question related to the family member;
- present the selected next unanswered first-level core question;
- and
- obtain an answer to the presented next unanswered first-level core question.
16 more elements
A processor-readable medium tangibly storing processor-executable instructions, the instructions comprising instructions to:
- select a list of first-level core questions from a pool of insurance questions;
- present the list of first-level core questions for an insurance applicant;
- obtain answers to some of the list of presented first-level core questions;
- determine that at least one of the answers to some of the list of presented first-level core questions relates to a family member of the insurance applicant;
- select a list of second-level topical questions related to from the pool of insurance questions based on the obtained answers to some of the list of presented first-level core questions;
- present the selected list of second-level topical questions related to the family member;
- obtain answers to some of the presented list of second-level topical questions related to the family member;
- select a list of third-level subtopic questions related to the family member from the pool of insurance questions based on the obtained answers to some of the presented list of second-level topical questions related to the family member;
- present the selected list of third-level subtopic questions related to the family member;
- obtain answers to the presented list of third-level subtopic questions related to the family member;
- present a next unanswered second-level topical question related to the family member upon obtaining answers to the presented list of third-level subtopic questions related to the family member;
- obtain an answer to the presented next unanswered second-level topical question related to the family member;
- select a next unanswered first-level core question from the pool of insurance questions upon obtaining the answer to the presented next unanswered second-level topical question related to the family member;
- present the selected next unanswered first-level core question;
- and
- obtain an answer to the presented next unanswered first-level core question.
13 more elements
Dependencies are inferred from the claim text.