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1. (WO2016057399) DEVICES AND METHODS FOR MANAGING RISK PROFILES
Latest bibliographic data on file with the International Bureau   

Pub. No.: WO/2016/057399 International Application No.: PCT/US2015/054012
Publication Date: 14.04.2016 International Filing Date: 05.10.2015
IPC:
G06Q 50/24 (2012.01)
Applicants: DILL, David, A.[US/US]; US
DILL, Cheryl[US/US]; US
DILL, Stephanie, C.[US/US]; US
TERRIL, Andrea, P.[US/US]; US
Inventors: DILL, David, A.; US
DILL, Cheryl; US
DILL, Stephanie, C.; US
TERRIL, Andrea, P.; US
Agent: WANG, Ping; US
Priority Data:
14/873,88902.10.2015US
62/060,94007.10.2014US
Title (EN) DEVICES AND METHODS FOR MANAGING RISK PROFILES
(FR) DISPOSITIFS ET PROCÉDÉS DE GESTION DE PROFILS DE RISQUES
Abstract:
(EN) 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.
(FR) La présente invention concerne un procédé de détermination et de gestion du profil de risques d'un sujet. Le profil de risques peut comprendre la présence ou l'absence d'une polyurie nocturne. La présente invention concerne en outre des procédés d'utilisation d'un tel profil de risques, comme des procédés de souscription d'assurances vie ou d'assurances maladie ou de gestion du coût de ces assurances, des procédés de calcul des risques associés au profil de risques d'un candidat à une assurance/d'un sujet assuré, et des procédés d'amélioration de la durée de vie de l'assuré sur la base du profil de risques.
Designated States: AE, AG, AL, AM, AO, AT, AU, AZ, BA, BB, BG, BH, BN, BR, BW, BY, BZ, CA, CH, CL, CN, CO, CR, CU, CZ, DE, DK, DM, DO, DZ, EC, EE, EG, ES, FI, GB, GD, GE, GH, GM, GT, HN, HR, HU, ID, IL, IN, IR, IS, JP, KE, KG, KN, KP, KR, KZ, LA, LC, LK, LR, LS, LU, LY, MA, MD, ME, MG, MK, MN, MW, MX, MY, MZ, NA, NG, NI, NO, NZ, OM, PA, PE, PG, PH, PL, PT, QA, RO, RS, RU, RW, SA, SC, SD, SE, SG, SK, SL, SM, ST, SV, SY, TH, TJ, TM, TN, TR, TT, TZ, UA, UG, US, UZ, VC, VN, ZA, ZM, ZW
African Regional Intellectual Property Organization (ARIPO) (BW, GH, GM, KE, LR, LS, MW, MZ, NA, RW, SD, SL, ST, SZ, TZ, UG, ZM, ZW)
Eurasian Patent Office (AM, AZ, BY, KG, KZ, RU, TJ, TM)
European Patent Office (EPO) (AL, AT, BE, BG, CH, CY, CZ, DE, DK, EE, ES, FI, FR, GB, GR, HR, HU, IE, IS, IT, LT, LU, LV, MC, MK, MT, NL, NO, PL, PT, RO, RS, SE, SI, SK, SM, TR)
African Intellectual Property Organization (BF, BJ, CF, CG, CI, CM, GA, GN, GQ, GW, KM, ML, MR, NE, SN, TD, TG)
Publication Language: English (EN)
Filing Language: English (EN)