DEVICES AND METHODS FOR MANAGING RISK PROFILES

摘要

The present application provides a method for determining and managing a subject's risk profile. The risk profile may include the presence or absence of nocturia. The present application further provides methods of using such a risk profile, such methods for underwriting or managing the cost of life insurances or health insurances, methods for calculating risk associated with the risk profile in an insurance candidate/insured subject, and methods for improving lifespan of the insured based on the risk profile.

主权项

1. A computer system, comprising a processor and a memory device, wherein the memory device stores a risk point matrix and wherein the processor is configured to:
(1) receive or generate a risk profile concerning the subject, wherein the risk profile comprises a plurality of risk factors including a severity level of the subject's nocturia; (2) assign a risk point value to the subject based on the severity level of the subject's nocturia and a risk point matrix stored in the memory device; (3) assign additional risk point values to the subject based on other risk factors in the subject's risk profile; (4) determine a total risk point value of the subject; and (5a) if the total risk point value equals to or exceeds a predetermined threshold value, reject the subject as an insurance candidate, or (5b) if the total risk point value is below the predetermined threshold, generate an insurance premium for the subject based on an insurance premium matrix stored in the memory device.