Inventors:
Thomas Ashley - Stamford CT, US
Anthony Forte - Fairfield CT, US
James Greenwood - Fairfield CT, US
International Classification:
G06F017/60
Abstract:
Methods of classifying risk and adjusting policy pricing for elderly insurance applicants are provided. The methods preferably include the steps of requesting the applicant to perform tests in addition to a physical examination, analyzing the results of the tests, and classifying the risk of mortality of the applicant based on the results of the analysis. The additional test is preferably designed to analyze the applicant's physical performance, cognitive performance, executive function, and present physical health of an applicant.