| 摘要 |
A user accesses online forms, enters information, and submits the data to an insurance underwriting server. The information may address health, family history, the applicant's profession, or planned physical activities. The applicant also authorizes the server to retrieve stored information about the applicant. The stored information may include DMV records, prescription drug records, credit reports, information from prior insurance applications, or medical records. The server receives the applicant's information and authorization to access the stored information. The server retrieves the stored information, then computes mortality risk based on the applicant's information and the retrieved information. If the mortality risk is deemed to be too high, the server can transition the user and/or applicant to a customer service representative, or the server can decline to underwrite an insurance policy. If the mortality risk is not too high, the server computes a premium rate that corresponds to the mortality risk, and offers to underwrite an insurance policy for the applicant at the specified premium rate.
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