United Services Automobile Association (Usaa)

Usaa

James E Goral

Michael Belko

Richard Charles Neal

Systems, methods, and computer-readable media automate determination of a risk category for low body mass index associated with issuance of an insurance policy. Embodiments include identifying an applicant having a body mass index within a predetermined range that qualifies for a first insurance rate category for low body mass index consideration or that requires medical director review for risk classification. Embodiments further include evaluating values for one or more characteristics of the applicant and determining whether the evaluated values qualify the applicant for a second insurance rate category for low body mass index consideration, where the second insurance rate category is more favorable than the first insurance rate category. The applicant's insurance rate category can be updated upon determining that the applicant qualifies for the more favorable second insurance category.

Systems and methods of automating consideration of low body mass risk

A method for calculating risk associated with low cholesterol includes providing a computer processor and assigning a point value to each of a plurality of parameters associated with an applicant. The method also includes calculating, using the computer processor, a total point value by summing the point value for each of the plurality of parameters and determining, using the computer processor, a risk category associated with low cholesterol using the total point value.

Systems and methods of automating consideration of low cholesterol risk

Systems, methods, and computer-readable media to automate reconsideration of a cardiac risk category associated with issuance of a life insurance policy may provide an indication of a best potential risk category or rate class that would be available if at least one action is completed by a life insurance applicant.

Systems and methods of automating reconsideration of cardiac risk

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.

Reflexive underwriting application responses

Systems, methods, and computer-readable media automate determination of a risk category for low body mass index associated with issuance of a life insurance policy.

Systems and methods of automating determination of low body mass risk

Systems, methods, and computer-readable media automate determination of a risk category for hepatitis associated with issuance of a life insurance policy.

Systems and methods of automating determination of hepatitis risk

Systems, methods, and computer-readable media automate determination of a risk category for low cholesterol associated with issuance of a life insurance policy.

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San Antonio, TX, United States of America

James E Goral