In one embodiment a system for determining a level of risk associated with an individual for underwriting purposes comprises at least one sensor that provides information, such as a camera providing one or more images or video for example, used to determine one or more properties of the individual. The individual information, such as eye related information, can be processed to generate cognitive information for the individual, which can be used to determine the level of risk associated with the individual. The cognitive information can be compared to baseline cognitive information for the individual to determine the level of risk. In another embodiment, a method for determining a level of risk or price of insurance includes obtaining information from a sensor, generating cognitive information from the sensor information, and generating a level of risk or price of insurance using at least the first cognitive information.
System and method for determining an underwriting risk, risk score, or price of insurance using cognitive information