WO2000017800A9

WO2000017800A9 - Reducing risk using behavioral and financial rewards

Info

Publication number: WO2000017800A9
Application number: PCT/US1999/022020
Authority: WO
Inventors: Stephen J Brown
Original assignee: Health Hero Network Inc
Priority date: 1998-09-23
Filing date: 1999-09-22
Publication date: 2000-10-05
Also published as: AU6158999A; EP1032903A1; WO2000017800A1; WO2000017800A8; CA2310648A1

Abstract

The invention provides a set of techniques and products in which one or more insured persons and one or more associated beneficiaries are monitored with regard to dynamic risk reassessment, given feedback information in response to that dynamic risk reassessment, and are encouraged to comply with the feedback. The insured persons and associated beneficiaries are coupled to a client-server system disposed for dynamic measurement of medical information, and the client-server system is disposed for alerting the insured persons and associated beneficiaries to suggested behaviors for reducing risk. The invention includes an insurance product in which portions of the insurance premium are allocated to one or more components, in response to compliance with the suggested behaviors.

Description

REDUCING RISK USING BEHAVIORAL AND FINANCIAL REWARDS

Field of the Invention

These known methods increase the incentive for the insured entity to reduce the insured-against risk However, these methods are subject to several drawbacks Where the insured-against risk is relatively inevitable (such as with life insurance or long-term care msuranceO. the insurance company finds it difficult to avoid the inevitabihtv of a claim Rather, it is in the underwriter^'s interest to stave off the claim for as long as possible

Certain kinds of insurance (such as long-term care insurance) also have a substantial effect on the family of the insured person For example, the insured person is often faced with the dilemma of either ( 1) reduction to penury to quality for government support, or (2) spending their entire estate on long-term care The family of the insured person also has interests against these options

Accordingly, it would be advantageous to provide a method and system to increase the incentive for the insured entity to reduce the insured-against risk, even when that insured-against risk is relatively inevitable In the case of long-term care insurance, it is in the underwriter^'s interest to provide incentiλ es for the insured person and their family to maintain the insured person^'s health and independence for as long as possible (quite apart from the emotional lncentπ es the\ already have)

Application Serial No Express Mail Mailing No EE 261 914 722

US. filed S September 23. 1998. in the name of Stephen J Brown, titled D\namιc .7.

Modeling and Scoring Risk Assessment assigned to the same assignee

docket number HHN-003 describes techniques for modeling and scoring risk assessment that are time-dependent, and in one embodiment are responsive to progression of a disease or degenerate e condition in a patient One aspect of this co-pending application is that the insurer can dvnamicalh adjust the risk assessment of individual insured persons in response to action taken (or not taken)

those insured persons to maintain their own health The underwriter can thus dynamically adjust the cost or the benefits of the insurance policy in response to those actions By doing so. the underwriter, the insured person, and the insured person s family have the common goal of maximizing the useful life and independence of the insured person

As described in the co-pending application, dynamic reassessment can be performed in conjunction with a monitoring and scoring system for determining risk assessment for populations and for individuals ith regard to those populations It would also be desirable for the insured person (and associated others) to make use of dynamic risk are assessment to monitor and influence the behavior of the insured person, to reduce the risk It would also be desirable to provide the insured person, and the insured person^'s family with information available to the underwriter, and to suggest particular prescribed or proscribed actions that would reduce short- term risk and provide a greater payoff for all concerned

Accordingly, it would be advantageous to provide the insured person, and associated others, with feedback information from dynamic reassessment of the risk associated w ith the insured person, so that the insured person, and associated others. can act to minimize that risk This advantage is achieved in an embodiment of the invention in which the insured person and their beneficiaries are provided with feedback information and instruction responsive to dynamic risk reassessment, and in which payments form an associated set of insurance products are allocated dependant on compliance with that feedback For example, one such insurance product includes a long-term care component and a life insurance component, and devotes a fraction of the product premium to one or the other component in response to compliance with the feedback offered by the underwriter

SUBSTITUTE SHEET fRULE 26) Summaπ, of the Invention The invention provides a set of techniques and products in which one or more insured persons and one or more associated beneficiaries are monitored with regard to risk reassessment, are gι\ en feedback information responsive to that dynamic risk reassessment, and are encouraged to comply with the feedback information In a preferred embodiment, the insured persons and associated beneficiaries are coupled to a client-server s\ stem that is configured to obtain dynamic measurement of medical information (for example, using bio-medical devices or using a question and answer format), and the client-server system is configured to alert the insured persons and associated beneficiaries to suggested behaviors for reducing risk The preferred embodiment includes an insurance product in which portions of the insurance premium are allocated to one or more components (such as a long-term care benefit or a life insurance benefit), in response to compliance with the suggested behaviors Thus, the insured is provided with an incentive for compliance with the suggested behaviors for reducing risk by receiving a more beneficial allocation of the premium to the components of the insurance product

In a preferred embodiment, an insured patient is examined at intervals by medical personnel, to determine medical information that can be used as factors for dynamically determining a risk assessment for that insured patient The medical personnel can determine a medical regimen (possibly including diet, exercise, prescribed medication, or other factors) that are intended to reduce the insured- against risk The insured patient, and where appropriate, associated beneficiaries or other close relations, use a client device with a client-server system to provide dynamic medical information regarding the condition of the insured For example, the client deuce can periodically measure blood glucose, blood pressure, heart rate, weight, and the like Similctrly the client device can periodically question the insured patient or the close relations for information about the insured, such as affect or mutation, diet or exercise, and the like In response to the prescribed medical regimen and information from the insured patient, a server device receiving that information from the client device can dynamicalh reassess risk factors associated with the insured patient, and can alert medical personnel or close relations in response thereto In response to

risk assessment, the seπ er deuce can modify which portions of an insurance premium (or other financial product

ments) are allocated to one or more components (such as a long-term care component or a life insurance component) The sen er deλ ice can use patient compliance with the suggested medical regimen as one measure to be factored into the dynamic risk assessment

Brief Description of the Drawings FIGURE 1A shows a diagram of a system for data collection and interpretation for a population.

FIGURE IB shows details of the client device shown in Fig. 1A. FIGURE 1C shows devices that may be connected to client device.

FIGURE ID shows details of the data review device.

FIGURE 2 illustrates a data flow diagram indicating some of the data paths used in a preferred embodiment.

FIGURE 3A illustrates a process for determining dynamic risk assessment. FIGURE 3B illustrates a process used to evaluate patient information.

FIGURE 4 illustrates a process used to respond to risk, and FIGURE 5 illustrates a process used to determine feedback information

Description of the Preferred Embodiments In the following descπption. a preferred embodiment of the invention is described with regard to preferred process steps and data structures Embodiments of the invention can be implemented using general-purpose processors or special purpose processors operating under program control, or other circuits, adapted to particular process steps and data structures described herein Other embodiments include computer program products that contain computer code embodied m a computer readable media for causing a computer to perform the process steps Implementation of the process steps and data structures described herein would not require undue experimentation or further invention

Related Applications

Inventions described herein can be used in combination or conjunction with inventions described in the following patent applications These patent applications are hereby incorporated

reference as if fully set forth herein Application Serial No 09/041.809. filed November 21. 1997 in the name of Stephen J Brown titled ^"Phenoscope and Phenobase.^" assigned to the same assignee, attorney docket number RYA-136

Application Serial No . filed in the name of Stephen J Brown titled "Health Management Process Control System^" assigned to the same assignee, attorney docket number RYA-1 14

Application Serial No , filed . in the name of

Stephen J Brown and Erik K- Jensen, titled "'On-Line Health Education and Feedback

stem Using Motivational Driver Profile Coding and Automated Content Fulfillment.^" assigned to the same assignee, attorney docket number

RYA-1 15

Application Serial No . filed . in the name of

Stephen J Brown titled "Multiple Patient Monitoring System for Proactive Health Management.^"' assigned to the same assignee, attorney docket number RYA-1 16

Application Serial No . filed , in the name of

Stephen J Brown titled "On-Line Health Education Using Composites of Entertainment and Personalized.^" assigned to the same assignee, attorney docket number RYA-116 Application Serial No . filed . in the name of

Stephen J Brown titled "'On-Line Health Education Using Composites of Entertainment and Personalized Health Information.^" assigned to the same assignee, attorney docket number RYA-1 19a Application Serial No . filed . in the name of Stephen J Brown titled "Monitoring System for Remotely Querying

Individuals.^" assigned to the same assignee, attorney docket number RYA- 126

Application Serial No . filed . m the name of

Stephen J Brown titled "Multi-User Remote Health System.^" assigned to the same assignee, attorney docket number RYA-131 a

Application Serial No . Express Mail Mailing No EE 261

914 722 US. filed September 23. 1998. in the name of Stephen J Brown titled ^■'Dynamic Modeling and Scoring Risk Assessment.^" assigned to the same assignee, attorney docket number HHN-003 System for Reducing Risk

The invention enables dynamic risk determination of an insured^'s condition

An example of when the invention can be used is if the insured has a progressive condition. whichwiU eventually require long-term care (such as diabetes), but for which in-home care is currently appropriate Another example where dynamic risk determination can be used is if the insured is at risk for a medical setback (such as an

MI or a stroke) but currently is capable of self-care Yet another example is when the insured is currently being cared for by family, but the care burden is increasing and the insured will eventually require long-term care The invention allows the underwriter to dynamically determine the current risk to the insured and to provide incentives to the insured to reduce that risk

Fig. 1A shows a block diabram of a system for data collection and interpretation for a population Referring to Fig. 1A. a system 100 includes a client device 110. a server device 120 including a database of information 121 and a program memory 122. and a data review element 130 These devices are connected via a communication channel 140. such as a communication network as is well known in the art. and as more fully described in the Phenoscope and Phenobase patent application (serial no 90/041.809)

The communication channel 140 may be a simple point-to-point network (for example a wire connecting the client device 110 with the server device 120). or a complex network such as the Internet

Referring to Fig. IB. the client device 110 is disposed locally to a patient 111 (the insured), and includes an output element 112 for presenting information to the patient 111. and an input element 113 for entering information from the patient 111 As used herein, "locally^" refers to a logical relationship to the patient 111. and does not have any necessary implication with regard to actual physical position In a preferred embodiment, the client device 110 is relatπ ely small or compact, and can be disposed on a night table or otherwise near the patient 111

The output element 112 includes a display screen 114. on which questions and suggested answers can be displayed for the patient 111. to facilitate information entry, or on which instructions can be displayed for the patient 111. to instruct the patient 111 The output element 112 can also include a speaker 115. to present information in conjunction with or in alternative to the dιspla\ screen 114 The output element 112 can also include a bell or other sound element, or a bright light 119 or a flag, to alert the patient 111 that the client device 110 has questions or information for the patient 111 The input element 113 includes a plurality of buttons 116A-D for entering information

The input element 113 can also include one or more data ports 117A-D for entering information from other devices Referring to Fig. 1C. such other devices 118 can include a medical measurement device, such as a blood glucose meter or a blood pressure monitor Such other devices 118 can also include a general purpose or special purpose client workstation, such as a personal computer or a hand-held digital calendar

The serv er device 120 is disposed logically remotely from the patient 111. and includes a database 121 of information about the patient 111 and about other patients in a related population thereof As used herein "remotely^"' refers to a logical relationship to the patient 111. and does not have any necessary implication with regard to actual physical position

The database 121 includes medical history, medical regimen, and risk progression information for the insured and a similarly situated population The database 121 also includes the compliance background for the insured indicating how well the insured follows the prescribed medical regimen and avoids the proscribed activities

The server device 120 also includes the program memor 122 that contains program code and data to cause the server device 120 to perform subsequenth described processes

In a preferred embodiment, the server 120 and database 121 are preferably accessible using a standard network connection (such as a world wide web connection) The server 120 and database 121 may include single stand-alone computers or multiple computers distributed throughout a network The data review element 130 is disposed logically remoteh from the patient

111. and includes an interface 131 disposed for use by an operator 132 The operator 132 can comprise medical personnel, a deuce operated by medical personnel, or a similar deuce, capable of interacting with the interface 131 to receive information from the data reuew element 130 and possibh to enter information into the data reuew element 130 Inlormation entered into the data reuew element 130 can be entered for ultimate transmission to the server device 120 or to the client deuce 110

The date reuew element 130 is preferably a personal computer remote terminal, web TV unit. Palm Pilot unit, interactiv e voice response s stera or am other communication technique The data review element 130 functions as a remote interface for entering serv er 120 or client device 110 messages and queries to be communicated to the individuals The data review element 130 also functions to provide the professional to ev aluate the progression of the insured and to monitor the rnsured^'s medical regimen Other and further information regarding the system 100 is shown in

Application Serial No 09/041.809. titled "Phenoscope and Phenobase.^" attorney docket number RYA-136 and Application Serial No . titled "Dynamic

Modeling and Scoring Risk Assessment. ^' attorney docket number HHN-003

Fig. 2 illustrates a data flow diagram, indicated by general reference character 200. that indicates how data flows within a preferred embodiment The nodes include an insured 201. a client device 203. a server device 205. an accounting server 207. a workstation 209. and a professional 211 These nodes are connected by data flows that include an 'insured-chent device^" data stream 221. a client device-insured data stream 223. a client-server data stream 225. a server-client data stream 227. a server- workstation data stream 229. a workstation-server data stream 231. a workstation- professional data stream 233. a professional-workstation data stream 235. a 'workstation- accounting server^" data stream 237. an ^"accounting server-insured^' data stream 239. and an "accounting server-server device^" data stream 241 Each of these data streams transfer data between the nodes connected by the data stream In particular the server device sends patient protocol and interrogatories to the insured by sending this information across the server-client data stream 227 to the client device 203 The client device 203 then instructs or queries the insured 201 utilizing the client device-insured data stream 223 The insured 201 responds to the queries, instructions, or through bio-medical input devices to the client device 203 using the "insured-chent dev ice^" data stream 221 The client dev ice 203 passes this acquired information to the server device 205 over the client-sen er data stream 225 The server device 205 stores the information acquired from the insured 201

Feedback is provided to the insured 201 by sending feedback information from the sen er device 205 to the client device 203 This feedback information can include additional medical regimens for the insured 201 to timelv follow (for example, additional tests that are determined bv the server dev ice 205 responsiv e to the information just gathered from the insured)

The professional 211 uses the workstation 209 (passing data ov er both the workstation-pro fessιon<al data stream 233 and the professional-workstation data stream 235) to access and/or modify data received by. stored on or created on the server device 205 This data is access using the sen'er-workstation data stream 229 The professional 211 can also modify the medical regimen for the insured or provide other information for the insured These modifications are sent to the server device 205 over the workstation-server data stream 231 and then to the insured using the ever-chent data stream 227. the client device 203. and the client device-insured data stream 223 The professional 211. using the workstation 209 can send information (reflecting benefits to the insured) to the accounting server 207 using the ^'workstation- accounting server^' data stream 237 The status of benefits can be sent directly to the insured using the 'accounting server-insured^' data stream 239 (for example by using postal mail. FAX or other traditional mechanism) or the information can be sent over the ^"accounting server-server device' data stream 241 to the server device 205 and on to the insured sing previously discussed paths

The professional 211 assesses the insured-against risk using both the static data most recently collected from the insured, the progression over time of the data collected from the insured and information known to. or accessible by the professional 211 this assessment includes the insured^'s compliance with the prescribed medical regimens and other environmental and behavioral factors This assessment can also include information and recommendations provided by artificial intelligence expert sv stems that are accessible to the professional 211 through the workstation 209

Fig. 3A illustrates a dynamic risk assessment process, indicated by general reference character 300. for determining dynamic risk assessment The dynamic risk assessment process 300 is cyclic in normal circumstances A 'gather patient information^" step 301 obtains medical information (such as bio-medical information) from the insured (using the client device 1 10) by using a series of questions or by using bio-medical sensors The medical information is gathered according to a protocol provided by the server device 120 This medical information is sent to a server device that performs an ^"evaluate patient information step 303 that determines one or more risk factors for the insured as is subsequently described with respect to Fig. 3B Next, the dvnamic risk assessment process 300 delays for an appropriate time at a delay step 305 This delay can be varied as appropriate for the insured, the msured^'s condition, the caregivers. and the insurance provider The delay step 305 determines the time interval between gathering information from the insured and is appropriately set to be (for example and without limitation) some number of days, weeks or months Eventually, the delay ends at a ^"delay complete' step 307 and the dynamic risk assessment process 300 repeats at the 'gather patient information^' step 301 to re-determine the insured-against risk for the insured

The medical information gathered by the ^'gather patient information^" step 301 is specific to the msured's current risk and progression of the condition For example, the insured or caregiver may be periodically instructed to check for sores on extremities if the msured is diabetic In addition, the caregiver can provide mformation about affect or mentation If the insured interacts with the client device 110. the response time to questions can also be gathered The 'gather patient mformation^' step 301 and the evaluate patient mformation step 303 can be repeated dependent on the data acquired from the msured by the previous iteration Thus, if the previous iteration returned data that mdicates that a subsequent test should be performed, the server device 120 can send the client device 110 a protocol to cause the client device 110 to obtam the new mformation from the msured. caregiver. or other person

Fig. 2B illustrates an 'evaluate patient information^" process, mdicated by general reference character 320 that reassesses the risk based on the gathered mformation and responds to that risk The "evaluate patient mformation^' process 320 is mv oked by the evaluate patient mformation^" step 303 of Fig. 3A and initiates at a "start^" terminal 321 The 'evaluate patient mformation^" process 320 continues to a 'send data to server device^' procedure 323. performed by the client device 110. that sends the medical information gathered by the client device 110 to the server device 120 The medical mformation is stored on the database 121 by a 'store data' procedure 325 Once the medical mformation is stored, a 'reassess risk^' procedure 327 (as disclosed in Application Serial No . attorney docket number HHN-003) can use the medical mformation. a risk-assessment model and the database 121 to determine the current risk of the msured The risk mcludes one or more risk factors These risk factors are used to determine an msured-agamst risk Example risk factors include information such as patient smokes patient has diabetes.^" "patient has diabetes and doesn t bother to check his blood sugar regularlv .^" etc

Once the msured-agamst risk has been determined, the ^'evaluate patient mformation^" process 320 continues to a respond to risk^" procedure 329 (subsequently descnbed with respect to Fig. 4) The 'respond to risk^' procedure 329 determines one or more medical regimens for the msured These medical regimens are selected to reduce the risk factors and thus to reduce the msured-agamst risk of the msured The 'respond to risk^' procedure 329 can also adjust the proportion of the insurance cost allocated to components of the financial product used by the msured The 'reassess risk^" procedure 327 and the 'respond to risk^' procedure 329 need not be performed every time data is received by the server device 120 These procedures can be executed mdependent of the following procedures

Once the medical mformation is stored by the 'store data^' procedure 325 the dynamic risk assessment process 300. can also contmue to a 'determme feedback mformation^" procedure 331 that develops feedback for the msured that can include one or more medical regimens, display of bio-medical mformation. encouragement to follow the suggested medical regimen or follow-on protocols The feedback mformation is sent back to the client device 110 by a 'send feedback mformation^" procedure 333 A 'resent feedback information' procedure 335 then presents the feedback mformation to the insured and/or the caregiver The ^'evaluate patient mformation^' process 320 completes through an ^"end^" terminal 337

The 'determme feedback mformation^" procedure 331 can also provide the client dev ice 110 with additional data gathermg protocols that are dependent on the just-gathered mformation — to obtain additional mformation In addition, the 'determine feedback mformation^" procedure 331 checks to determme whether the just gathered information is out-to-limit. mdicates a trend, or should be forwarded to a medical professional

Other preferred embodiments can allocate these processes between the client device 110 and the server device 120 m a different manner For example as the relativ e cost/performance ratio changes for the client device 110 and the server device 120. more of these procedures can be moved to the client device 110

Fig. 4 illustrates a respond to risk^" process, mdicated by general reference character 400. that is configured to adjust the cost of the financial product between the components of the financial product for the msured The ^'respond to risk^" process

400 is invoked by the ^"respond to risk^" procedure 329 and initiates at a "start^" termmal

401 The ^"respond to risk^' process 400 then continues to a risk change^" decision procedure 403 that determines whether the current msured-agamst risk has sufficiently changed from the existing msured-agamst risk retπev ed from the database 121 If the msured-agamst risk has not sufficiently changed, the ^"responded to risk^" process 400 completes through .an ^"end^" terminal 405 Otherwise, the ^"respond to risk^" process 400 contmues to an ^"allocate benefits^' procedure 407 that reallocates the cost to the insured between the components of the financial product to correspond to the new msured-agamst risk Where the msured-agamst risk is reduced, the new allocation rewards the msured However, if the msured-agamst risk has mcreased. the msured is penalized Next, an ^"inform procedure 409 generates mformation that will be provided to the msured and/or the caregiver either usmg postal mail or as mformation provided to the insured by the ^"present feedback mformation^" procedure 335 This procedure also provides the new allocations to an accounting database and/or the payout system for the financial product Next, the 'respond to risk' process 400 completes through the ^"end^" terminal 405

In a financial product that has at least two components (such as a long-term car component and a life insurance component) the 'allocate benefits^" procedure 407 determmes a cost for the long-term car component and allocates a first payment to that component of the financial product The "allocate benefits^" procedure 407 then allocates a second payment to the life insurance component of the financial product, to any annuity, or to another benefit for the msured (such as a refund) The second payment is a function of the first payment T his payment allocation is structured to provide an mcentive to the msured to conform to the currently suggested medical regimen

Fig. 5 illustrates a "determme feedback information^' process, mdicated by general reference character 500. used to assemble the feedback information The "determine feedback information^" process 500 is invoked by the "determme feedback mformation^" procedure 331 and initiates at a ^"start^" termmal 501 A ^'correlate regimen with risk factors procedure 503 uses the risk factors determined by the ^'reassess risk^' procedure 327 to select one or m ore medical regimens that can be provided to the insured An ^"evaluate regimen history procedure 505 then uses the historv of medical regimens suggested to the msured and stored on the database 121 to determme the preferred selection of medical regimens Then a modifv regimen procedure 507 modifies the existing medical regimen if the existmg medical regimen is different from the preferred medical regimen The modify regimen procedure 507 may change the data collection protocol used bv the client device 110 These procedures 503, 505, and 507 are all dynamic m that they use historical mformation collected from the msured and are responsive to the progressive nature of the mformation collected about the msured This is particularly important for those having a progressive condition or degenerative disease (for example, diabetes, and CHD) Next, a "select feedback language' procedure 509 selects the language used to present the feedback information to the msured Often, the selected language is a natural language such as English However, the ^"select feedback language^' procedure 509 can also control how much technical jargon is to be mcluded Thus, the language can be customized for the educational and experience level of the msured and/or the caregiver A "prepare feedback mformation^" procedure 511 assembles the feedback mformation mcludmg the suggested medical regimens coded for the language of the msured The 'determine feedback mformation^" process 500 completes through an 'end^" termmal 513

The "correlate regimen with risk factors^" procedure 503 evaluates the risk factors, the msured^'s progression and the information gathered from the insured to identify medical regimens best suited to gather additional information from the msured or to help the insured to reduce the msured-agamst risk One embodiment of the mv ention uses Bavesian statistical techniques to perform this correlation

Alternative Embodiments

Although preferred embodiments are disclosed herem. many variations are possible which remam withm the concept, scope, and spirit of the mv ention. and these v ariations would become clear to those skilled in the art after perusal of this application

Claims

What is claimed is

1 A method including steps of Dynamically determining an msured-agamst risk associated with an msured.

Providmg feedback information to said insured responsive to said msured-agamst risk, and

Providmg an mcentive to said msured to reduce said msured-agamst risk

2 The computer controlled method of claim 1 wherein the step of providing an incentiv e further mcludes steps of

Dynamically determining a cost for a first component of a financial product responsive to said msured-agamst risk. Allocating a first payment to said first component m response to said cost: and

Allocating a second payment, responsive to said first payment, to a second component of said financial product

Whereby said first component and second component have different values to said msured

3 The computer controlled method of claim 1 wherem the step of dynamically determining further includes steps of

Determining one or more risk factors associated with said msured at a pluritv of times, and Re-determining said msured-agamst risk associated with said msured responsive to the step of determining one or more risk factors

4 The computer controlled method of claim 3 wherein the step of determining one or more risk factors further mcludes steps of Gathermg. at a client dev ice, medical information of said insured at a said plurality of times.

Sending said medical mformation from said client device to a server device remote from said msured. and Comparing, at said server device, said medical mformation with a risk assessment model

5 The computer controlled method of claim 3 wherem the step of providing feedback information further mcludes steps of

Associatmg. at said server device, a medical regimen with at least one of said one or more risk factors,

Sending said medical regimen from said server device to said client device, and

Presentmg said medical regimen at said client device

6 An apparatus including" A client-sen er system havmg a client device and havmg a server device that is logically remote from an msured.

Wherem said client device is configured for collecting medical mformation regardmg said msured and for sending said medical information to said service device. Wherem said server device is configured to dynamically assess a risk value associated with said msured m response to said medical mformation. and to allocate an incentive responsive to said risk value. t Whereby said mcentive is responsive to said medical mformation regarding said insured 7 A financial product including

A first component having a cost responsiv e to a dynamic assessment of risk associated with an msured. said first component havmg a first benefit associated with said msured. and A second component hav mg a second benefit associated with said msured. said second benefit responsive to said cost.

Wherebv changes m said dynamic assessment of risk determme a relativ e allocation of said first benefit and said second benefit 8 The financial product of claim 7 wherem the first component mcludes long-term care policy hav mg a long-term care benefit

9 The financial product of claim 7 wherem the second component mcludes a life insurance policy havmg a life insurance benefit

10 A method including Providmg a financial product that includes a first component and a second component, said first component havmg a cost responsive to a dynamic assessment of risk associated with an msured. said first component havmg a first benefit associated with said msured. said second component havmg a second benefit associated with said insured, said second benefit responsive to said cost,

Obtaining medical mformation about said msured. Determining said dynamic assessment of risk usmg said mformation. and changing said first benefit and said second benefit responsive to said dynamic assessment of risk 1 1 The method of claim 10 wherem the first component mcludes a long- term care policy havmg a long-term care benefit

12 The method of claim 10 wherem the second component mcludes a life insurance policy havmg a life insurance benefit