(Original title: Former FBI experts have new algorithms that allow insurance companies to count people’s lives through selfies)
Xie Ruohan
By self-portrait photos to determine your life expectancy? This is not a April Fool's Day news.
Lapetus solution is a company that develops face recognition technology. They developed a Chronos system for insurance companies to determine how big you are and how healthy you are by identifying the outline of your face, the sagging of your face, and the dark spots on your face. Ultimately, this technology will be used in conjunction with other data to provide insurance companies with supplementary judgments, determine if you are eligible for life insurance, and make judgments on insurance prices.
Several life insurance companies are testing this technology. First, users need to send their own photos to insurance companies to answer some health-related questions. After that, Chronos technology will scan hundreds of points on the selfie to extract key information, including body mass index, physiological age, and determine the speed of aging.
The founder of Lapetus, Lesquin, is a data scientist who used to work at the FBI’s biometric center. He said that even a self-photographed makeup can be judged, but if it's too full, it will be inconceivable. To make the results more precise, the Chronos system will be combined with the photos on people’s driving licenses to make comparisons, in part because the passports are guaranteed to be relatively authentic under various specifications (although this also makes many people look less than usual nice).
After the Chronos system has obtained the results of the analysis, the insurance company will screen the user for other information provided by the user. The selected users will be approved quickly and the entire life insurance purchase process will be completed online. Lapetus also stated that customers purchase insurance directly online, the entire process takes only 10 minutes, eliminating the need for life insurance health check in the past.
What the technology wants to solve most is the speed of health assessment in the life insurance industry.
In the past, insurance companies required users to complete medical tests. It took at least one month from the time the user decided to take the insurance to complete all assessments. Long procedures and waiting time have caused many users to give up insurance. In 2015, a consumer report showed that only 42% of consumers were willing to wait one month for insurance approval.
At the same time, the number of people buying insurance is also decreasing. The data provided by the insurance company LMRA shows that in the United States, personal insurance was sold in 17.7 million copies in 1984, and by 2016 it had fallen to 9.4 million copies.
Samantha Chow, an analyst at the consulting firm Aite Group, said that past medical tests cost money and spend money from insurance companies. After testing Lapetus's technology, she believes that the increase in speed may increase consumers' willingness to buy.
Lapetus is also trying to use facial recognition technology to identify the symptoms of early illness, such as diabetes, heart disease and senile dementia. It can also use photos to determine if you smoke. Les Anker thinks "Your face is the epitome of life. It reflects the unique information that is relevant to you."
However, from a technical point of view, this algorithm itself may not be accurate.
For example, when the algorithm's database sample is insufficient, it is difficult to make accurate judgments. At this year's TED Conference, data scientist Cathy O'Neil attacked the abuse of this type of technology. She gave an example:
"Google's image recognition technology identifies blacks as orangutans because it is not tested in the black albums at all."So returning to the selfie (maybe a lot of people ignore the details of the driver's license photo comparison) to see life expectancy depends on how much the former FBI expert developed the algorithm's ability to recognize beauty software.
The title map comes from Sorority Move
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