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  • Photo by Matt Roth<br />
Assignment ID: 30144892A<br />
<br />
Shanty Grille server Sam Allison, asks Pantry Chef Faye McConnell, middle, and Executive Chef Charles Warner a question in the restaurant's prep room Tuesday, July 09, 2013. Both chefs are full-time skilled employees at Shanty Grille in Ellicott City, Maryland who are provided health insurance through the restaurant. Allison is a part-time employee who is not insured by the restaurant's policy.
    130709_Shanty_Grille390.JPG
  • Photo by Matt Roth<br />
Assignment ID: 30144892A<br />
<br />
Faye McConnell is the pantry chef at Shanty Grille in Ellicott City, Maryland Tuesday, July 09, 2013. She is one of nine skilled full time employees who have health insurance through the restaurant.
    130709_Shanty_Grille338.JPG
  • Photo by Matt Roth<br />
Assignment ID: 30144892A<br />
<br />
Faye McConnell is the pantry chef at Shanty Grille in Ellicott City, Maryland Tuesday, July 09, 2013. She is one of nine skilled full time employees who have health insurance through the restaurant.
    130709_Shanty_Grille323.JPG
  • Photo by Matt Roth<br />
Assignment ID: 30144892A<br />
<br />
Faye McConnell is the pantry chef at Shanty Grille in Ellicott City, Maryland Tuesday, July 09, 2013. She is one of nine skilled full time employees who have health insurance through the restaurant.
    130709_Shanty_Grille296.JPG
  • Photo by Matt Roth<br />
Assignment ID: 30144892A<br />
<br />
Faye McConnell is the pantry chef at Shanty Grille in Ellicott City, Maryland Tuesday, July 09, 2013. She is one of nine skilled full time employees who have health insurance through the restaurant.
    130709_Shanty_Grille242.JPG
  • Photo by Matt Roth<br />
Assignment ID: 30144892A<br />
<br />
Faye McConnell is the pantry chef at Shanty Grille in Ellicott City, Maryland Tuesday, July 09, 2013. She is one of nine skilled full time employees who have health insurance through the restaurant.
    130709_Shanty_Grille093.JPG
  • Photo by Matt Roth<br />
Assignment ID: 30144892A<br />
<br />
Faye McConnell is the pantry chef at Shanty Grille in Ellicott City, Maryland Tuesday, July 09, 2013. She is one of nine skilled full time employees who have health insurance through the restaurant.
    130709_Shanty_Grille076.JPG
  • Photo by Matt Roth<br />
Assignment ID: 30144892A<br />
<br />
Faye McConnell is the pantry chef at Shanty Grille in Ellicott City, Maryland Tuesday, July 09, 2013. She is one of nine skilled full time employees who have health insurance through the restaurant.
    130709_Shanty_Grille071.JPG
  • Photo by Matt Roth<br />
Assignment ID: 30144892A<br />
<br />
Faye McConnell is the pantry chef at Shanty Grille in Ellicott City, Maryland Tuesday, July 09, 2013. She is one of nine skilled full time employees who have health insurance through the restaurant.
    130709_Shanty_Grille416.JPG
  • Photo by Matt Roth<br />
Assignment ID: 30144892A<br />
<br />
Faye McConnell is the pantry chef at Shanty Grille in Ellicott City, Maryland Tuesday, July 09, 2013. She is one of nine skilled full time employees who have health insurance through the restaurant.
    130709_Shanty_Grille379.JPG
  • Photo by Matt Roth<br />
Assignment ID: 30144892A<br />
<br />
Faye McConnell is the pantry chef at Shanty Grille in Ellicott City, Maryland Tuesday, July 09, 2013. She is one of nine skilled full time employees who have health insurance through the restaurant.
    130709_Shanty_Grille374.JPG
  • Photo by Matt Roth<br />
Assignment ID: 30144892A<br />
<br />
Faye McConnell is the pantry chef at Shanty Grille in Ellicott City, Maryland Tuesday, July 09, 2013. She is one of nine skilled full time employees who have health insurance through the restaurant.
    130709_Shanty_Grille367.JPG
  • Photo by Matt Roth<br />
Assignment ID: 30144892A<br />
<br />
Faye McConnell is the pantry chef at Shanty Grille in Ellicott City, Maryland Tuesday, July 09, 2013. She is one of nine skilled full time employees who have health insurance through the restaurant.
    130709_Shanty_Grille349.JPG
  • Photo by Matt Roth<br />
Assignment ID: 30144892A<br />
<br />
Faye McConnell is the pantry chef at Shanty Grille in Ellicott City, Maryland Tuesday, July 09, 2013. She is one of nine skilled full time employees who have health insurance through the restaurant.
    130709_Shanty_Grille351.JPG
  • Photo by Matt Roth<br />
Assignment ID: 30144892A<br />
<br />
Faye McConnell is the pantry chef at Shanty Grille in Ellicott City, Maryland Tuesday, July 09, 2013. She is one of nine skilled full time employees who have health insurance through the restaurant.
    130709_Shanty_Grille329.JPG
  • Photo by Matt Roth<br />
Assignment ID: 30144892A<br />
<br />
Faye McConnell is the pantry chef at Shanty Grille in Ellicott City, Maryland Tuesday, July 09, 2013. She is one of nine skilled full time employees who have health insurance through the restaurant.
    130709_Shanty_Grille327.JPG
  • Photo by Matt Roth<br />
Assignment ID: 30144892A<br />
<br />
Faye McConnell is the pantry chef at Shanty Grille in Ellicott City, Maryland Tuesday, July 09, 2013. She is one of nine skilled full time employees who have health insurance through the restaurant.
    130709_Shanty_Grille184.JPG
  • Photo by Matt Roth<br />
Assignment ID: 30144892A<br />
<br />
Faye McConnell is the pantry chef at Shanty Grille in Ellicott City, Maryland Tuesday, July 09, 2013. She is one of nine skilled full time employees who have health insurance through the restaurant.
    130709_Shanty_Grille126.JPG
  • Photo by Matt Roth<br />
Assignment ID: 30144892A<br />
<br />
Faye McConnell is the pantry chef at Shanty Grille in Ellicott City, Maryland Tuesday, July 09, 2013. She is one of nine skilled full time employees who have health insurance through the restaurant.
    130709_Shanty_Grille107.JPG
  • Photo by Matt Roth<br />
Assignment ID: 30144892A<br />
<br />
Faye McConnell is the pantry chef at Shanty Grille in Ellicott City, Maryland Tuesday, July 09, 2013. She is one of nine skilled full time employees who have health insurance through the restaurant.
    130709_Shanty_Grille096.JPG
  • Photo by Matt Roth<br />
Assignment ID: 30144892A<br />
<br />
Faye McConnell, the pantry chef at Shanty Grille, and Executive Chef Charles Warner, work in the Ellicott City, Maryland restaurant's prep room Tuesday, July 09, 2013. They are both skilled full time employees who have health insurance through the restaurant.
    130709_Shanty_Grille395.JPG
  • Photo by Matt Roth<br />
Assignment ID: 30144892A<br />
<br />
Shanty Grille Executive Chef Charles Warner asks Pantry Chef Faye McConnell, right, how she feels about the flavor of anise in salads in the restaurants' prep room Tuesday, July 09, 2013. Both are full-time skilled employees at Shanty Grille in Ellicott City, Maryland who are provided health insurance through the restaurant.
    130709_Shanty_Grille230.JPG
  • Photo by Matt Roth<br />
Assignment ID: 30144892A<br />
<br />
Vince Ritter, 25, reflected in a mirror behind wine glasses, bar-tends at the Shanty Grille in Ellicott City, Maryland Saturday, July 06, 2013. He turns 26 the following Monday and will be kicked off his parents health insurance plan. He will start a new full-time job with benefits at First Mariner Bank the week after his birthday. He still plans to work at Shanty Grille, but only on the weekends.
    130706_Shanty_Grille_291.JPG
  • Photo by Matt Roth<br />
Assignment ID: 30144892A<br />
<br />
Vince Ritter, 25, reflected in a mirror behind wine glasses, bar-tends at the Shanty Grille in Ellicott City, Maryland Saturday, July 06, 2013. He turns 26 the following Monday and will be kicked off his parents health insurance plan. He will start a new full-time job with benefits at First Mariner Bank the week after his birthday. He still plans to work at Shanty Grille, but only on the weekends.
    130706_Shanty_Grille_289.JPG
  • Photo by Matt Roth<br />
Assignment ID: 30144892A<br />
<br />
Vince Ritter, 25, seen talking to a co-worker through a decorative window, bar-tends at the Shanty Grille in Ellicott City, Maryland Saturday, July 06, 2013. He turns 26 the following Monday and will be kicked off his parents health insurance plan. He will start a new full-time job with benefits at First Mariner Bank the week after his birthday. He still plans to work at Shanty Grille, but only on the weekends.
    130706_Shanty_Grille_219.JPG
  • Photo by Matt Roth<br />
Assignment ID: 30144892A<br />
<br />
Vince Ritter, 25, bar-tends at the Shanty Grille in Ellicott City, Maryland Saturday, July 06, 2013. He turns 26 the following Monday and will be kicked off his parents health insurance plan. He will start a new full-time job with benefits at First Mariner Bank the week after his birthday. He still plans to work at Shanty Grille, but only on the weekends.
    130706_Shanty_Grille_020.JPG
  • Photo by Matt Roth<br />
Assignment ID: 30144892A<br />
<br />
Faye McConnell, the pantry chef at Shanty Grille, and Executive Chef Charles Warner, work in the Ellicott City, Maryland restaurant's prep room Tuesday, July 09, 2013. They are both skilled full time employees who have health insurance through the restaurant.
    130709_Shanty_Grille393.JPG
  • Photo by Matt Roth<br />
Assignment ID: 30144892A<br />
<br />
Shanty Grille Executive Chef Charles Warner asks Pantry Chef Faye McConnell, right, how she feels about the flavor of anise in salads in the restaurants' prep room Tuesday, July 09, 2013. Both are full-time skilled employees at Shanty Grille in Ellicott City, Maryland who are provided health insurance through the restaurant.
    130709_Shanty_Grille234.JPG
  • Photo by Matt Roth<br />
Assignment ID: 30144892A<br />
<br />
Faye McConnell is the pantry chef at Shanty Grille in Ellicott City, Maryland Tuesday, July 09, 2013. She is one of nine skilled full time employees who have health insurance through the restaurant. She and Executive Chef Charles Warner work in the prep room.
    130709_Shanty_Grille168.JPG
  • Photo by Matt Roth<br />
Assignment ID: 30144892A<br />
<br />
Vince Ritter, 25, bar-tends at the Shanty Grille in Ellicott City, Maryland Saturday, July 06, 2013. He turns 26 the following Monday and will be kicked off his parents health insurance plan. He will start a new full-time job with benefits at First Mariner Bank the week after his birthday. He still plans to work at Shanty Grille, but only on the weekends.
    130706_Shanty_Grille_300.JPG
  • Photo by Matt Roth<br />
Assignment ID: 30144892A<br />
<br />
Vince Ritter, 25, bar-tends at the Shanty Grille in Ellicott City, Maryland Saturday, July 06, 2013. He turns 26 the following Monday and will be kicked off his parents health insurance plan. He will start a new full-time job with benefits at First Mariner Bank the week after his birthday. He still plans to work at Shanty Grille, but only on the weekends.
    130706_Shanty_Grille_283.JPG
  • Photo by Matt Roth<br />
Assignment ID: 30144892A<br />
<br />
Vince Ritter, 25, bar-tends at the Shanty Grille in Ellicott City, Maryland Saturday, July 06, 2013. He turns 26 the following Monday and will be kicked off his parents health insurance plan. He will start a new full-time job with benefits at First Mariner Bank the week after his birthday. He still plans to work at Shanty Grille, but only on the weekends.
    130706_Shanty_Grille_261.JPG
  • Photo by Matt Roth<br />
Assignment ID: 30144892A<br />
<br />
Vince Ritter, 25, seen through a decorative window, bar-tends at the Shanty Grille in Ellicott City, Maryland Saturday, July 06, 2013. He turns 26 the following Monday and will be kicked off his parents health insurance plan. He will start a new full-time job with benefits at First Mariner Bank the week after his birthday. He still plans to work at Shanty Grille, but only on the weekends.
    130706_Shanty_Grille_205.JPG
  • Photo by Matt Roth<br />
Assignment ID: 30144892A<br />
<br />
Vince Ritter, 25, bar-tends at the Shanty Grille in Ellicott City, Maryland Saturday, July 06, 2013. He turns 26 the following Monday and will be kicked off his parents health insurance plan. He will start a new full-time job with benefits at First Mariner Bank the week after his birthday. He still plans to work at Shanty Grille, but only on the weekends.
    130706_Shanty_Grille_199.JPG
  • Photo by Matt Roth<br />
Assignment ID: 30144892A<br />
<br />
Vince Ritter, 25, bar-tends at the Shanty Grille in Ellicott City, Maryland Saturday, July 06, 2013. He turns 26 the following Monday and will be kicked off his parents health insurance plan. He will start a new full-time job with benefits at First Mariner Bank the week after his birthday. He still plans to work at Shanty Grille, but only on the weekends.
    130706_Shanty_Grille_014.JPG
  • Photo by Matt Roth<br />
Assignment ID: 30144892A<br />
<br />
Vince Ritter, 25, bar-tends at the Shanty Grille in Ellicott City, Maryland Saturday, July 06, 2013. He turns 26 the following Monday and will be kicked off his parents health insurance plan. He will start a new full-time job with benefits at First Mariner Bank the week after his birthday. He still plans to work at Shanty Grille, but only on the weekends.
    130706_Shanty_Grille_249.JPG
  • Elicott City, Maryland - January 10, 2017: Dan Finkelstein, a 37-year-old married father of three used life insurance policy start-up Haven Life to apply and qualify for a $750,000 life insurance party in approximately 20 minutes. His family are (L-R) twins Parker and Jonah, 5, Maya, 8, and wife Julia.<br />
<br />
plays with his children Tuesday January 10, 2017. <br />
<br />
<br />
In October, 37-year-old Dan Finkelstein, went online to explore buying life insurance. To his surprise, in approximately 20 minutes he was the owner of a $750,000 policy. Just a year ago, Mr. Finkelstein’'s purchase would have taken a month and required blood and urine samples, and an analysis of his medical records. "“I was definitely surprised how easy it was,”" says Mr. Finkelstein, a computer-systems architect and father of three in Ellicott City, Md. Mr. Finklestein's policy was obtained through Haven Life, a start-up owned by Massachusetts Mutual Life Insurance Co. Insurers like Haven Life are for the first time trusting that algorithms —which use answers provided by applicants and data pulled from prescription-drug databases, motor-vehicle records and other sources--will reveal nearly as much about a person as analysis of blood and urine.<br />
<br />
<br />
CREDIT: Matt Roth for The Wall Street <br />
Journal<br />
Slug: LIFEBLOOD
    170110_Dan_Finkelstein_Life_Insuranc...jpg
  • Elicott City, Maryland - January 10, 2017: Dan Finkelstein, a 37-year-old married father of three used life insurance policy start-up Haven Life to apply and qualify for a $750,000 life insurance party in approximately 20 minutes. His family are (L-R) twins Parker and Jonah, 5, Maya, 8, and wife Julia.<br />
<br />
plays with his children Tuesday January 10, 2017. <br />
<br />
<br />
In October, 37-year-old Dan Finkelstein, went online to explore buying life insurance. To his surprise, in approximately 20 minutes he was the owner of a $750,000 policy. Just a year ago, Mr. Finkelstein’'s purchase would have taken a month and required blood and urine samples, and an analysis of his medical records. "“I was definitely surprised how easy it was,”" says Mr. Finkelstein, a computer-systems architect and father of three in Ellicott City, Md. Mr. Finklestein's policy was obtained through Haven Life, a start-up owned by Massachusetts Mutual Life Insurance Co. Insurers like Haven Life are for the first time trusting that algorithms —which use answers provided by applicants and data pulled from prescription-drug databases, motor-vehicle records and other sources--will reveal nearly as much about a person as analysis of blood and urine.<br />
<br />
<br />
CREDIT: Matt Roth for The Wall Street <br />
Journal<br />
Slug: LIFEBLOOD
    170110_Dan_Finkelstein_Life_Insuranc...jpg
  • Elicott City, Maryland - January 10, 2017: Dan Finkelstein, a 37-year-old married father of three used life insurance policy start-up Haven Life to apply and qualify for a $750,000 life insurance party in approximately 20 minutes. His family are (L-R) twins Parker and Jonah, 5, Maya, 8, and wife Julia.<br />
<br />
plays with his children Tuesday January 10, 2017. <br />
<br />
<br />
In October, 37-year-old Dan Finkelstein, went online to explore buying life insurance. To his surprise, in approximately 20 minutes he was the owner of a $750,000 policy. Just a year ago, Mr. Finkelstein’'s purchase would have taken a month and required blood and urine samples, and an analysis of his medical records. "“I was definitely surprised how easy it was,”" says Mr. Finkelstein, a computer-systems architect and father of three in Ellicott City, Md. Mr. Finklestein's policy was obtained through Haven Life, a start-up owned by Massachusetts Mutual Life Insurance Co. Insurers like Haven Life are for the first time trusting that algorithms —which use answers provided by applicants and data pulled from prescription-drug databases, motor-vehicle records and other sources--will reveal nearly as much about a person as analysis of blood and urine.<br />
<br />
<br />
CREDIT: Matt Roth for The Wall Street <br />
Journal<br />
Slug: LIFEBLOOD
    170110_Dan_Finkelstein_Life_Insuranc...jpg
  • Elicott City, Maryland - January 10, 2017: Dan Finkelstein, a 37-year-old married father of three used life insurance policy start-up Haven Life to apply and qualify for a $750,000 life insurance party in approximately 20 minutes. His family are (L-R) Maya, 8, twins Parker and Jonah, 5, and wife Julia.<br />
<br />
plays with his children Tuesday January 10, 2017. <br />
<br />
<br />
In October, 37-year-old Dan Finkelstein, went online to explore buying life insurance. To his surprise, in approximately 20 minutes he was the owner of a $750,000 policy. Just a year ago, Mr. Finkelstein’'s purchase would have taken a month and required blood and urine samples, and an analysis of his medical records. "“I was definitely surprised how easy it was,”" says Mr. Finkelstein, a computer-systems architect and father of three in Ellicott City, Md. Mr. Finklestein's policy was obtained through Haven Life, a start-up owned by Massachusetts Mutual Life Insurance Co. Insurers like Haven Life are for the first time trusting that algorithms —which use answers provided by applicants and data pulled from prescription-drug databases, motor-vehicle records and other sources--will reveal nearly as much about a person as analysis of blood and urine.<br />
<br />
<br />
CREDIT: Matt Roth for The Wall Street <br />
Journal<br />
Slug: LIFEBLOOD
    170110_Dan_Finkelstein_Life_Insuranc...jpg
  • Elicott City, Maryland - January 10, 2017: Dan Finkelstein, a 37-year-old married father of three plays with his children Tuesday January 10, 2017. <br />
<br />
<br />
In October, 37-year-old Dan Finkelstein, went online to explore buying life insurance. To his surprise, in approximately 20 minutes he was the owner of a $750,000 policy. Just a year ago, Mr. Finkelstein’'s purchase would have taken a month and required blood and urine samples, and an analysis of his medical records. "“I was definitely surprised how easy it was,”" says Mr. Finkelstein, a computer-systems architect and father of three in Ellicott City, Md. Mr. Finklestein's policy was obtained through Haven Life, a start-up owned by Massachusetts Mutual Life Insurance Co. Insurers like Haven Life are for the first time trusting that algorithms —which use answers provided by applicants and data pulled from prescription-drug databases, motor-vehicle records and other sources--will reveal nearly as much about a person as analysis of blood and urine.<br />
<br />
<br />
CREDIT: Matt Roth for The Wall Street <br />
Journal<br />
Slug: LIFEBLOOD
    170110_Dan_Finkelstein_Life_Insuranc...jpg
  • Elicott City, Maryland - January 10, 2017: Dan Finkelstein, a 37-year-old married father of three plays with his children Tuesday January 10, 2017. <br />
<br />
<br />
In October, 37-year-old Dan Finkelstein, went online to explore buying life insurance. To his surprise, in approximately 20 minutes he was the owner of a $750,000 policy. Just a year ago, Mr. Finkelstein’'s purchase would have taken a month and required blood and urine samples, and an analysis of his medical records. "“I was definitely surprised how easy it was,”" says Mr. Finkelstein, a computer-systems architect and father of three in Ellicott City, Md. Mr. Finklestein's policy was obtained through Haven Life, a start-up owned by Massachusetts Mutual Life Insurance Co. Insurers like Haven Life are for the first time trusting that algorithms —which use answers provided by applicants and data pulled from prescription-drug databases, motor-vehicle records and other sources--will reveal nearly as much about a person as analysis of blood and urine.<br />
<br />
<br />
CREDIT: Matt Roth for The Wall Street <br />
Journal<br />
Slug: LIFEBLOOD
    170110_Dan_Finkelstein_Life_Insuranc...jpg
  • Elicott City, Maryland - January 10, 2017: Dan Finkelstein, a 37-year-old married father of three plays with his children Tuesday January 10, 2017. <br />
<br />
<br />
In October, 37-year-old Dan Finkelstein, went online to explore buying life insurance. To his surprise, in approximately 20 minutes he was the owner of a $750,000 policy. Just a year ago, Mr. Finkelstein’'s purchase would have taken a month and required blood and urine samples, and an analysis of his medical records. "“I was definitely surprised how easy it was,”" says Mr. Finkelstein, a computer-systems architect and father of three in Ellicott City, Md. Mr. Finklestein's policy was obtained through Haven Life, a start-up owned by Massachusetts Mutual Life Insurance Co. Insurers like Haven Life are for the first time trusting that algorithms —which use answers provided by applicants and data pulled from prescription-drug databases, motor-vehicle records and other sources--will reveal nearly as much about a person as analysis of blood and urine.<br />
<br />
<br />
CREDIT: Matt Roth for The Wall Street <br />
Journal<br />
Slug: LIFEBLOOD
    170110_Dan_Finkelstein_Life_Insuranc...jpg
  • Elicott City, Maryland - January 10, 2017: Dan Finkelstein, a 37-year-old married father of three plays with his children Tuesday January 10, 2017. <br />
<br />
<br />
In October, 37-year-old Dan Finkelstein, went online to explore buying life insurance. To his surprise, in approximately 20 minutes he was the owner of a $750,000 policy. Just a year ago, Mr. Finkelstein’'s purchase would have taken a month and required blood and urine samples, and an analysis of his medical records. "“I was definitely surprised how easy it was,”" says Mr. Finkelstein, a computer-systems architect and father of three in Ellicott City, Md. Mr. Finklestein's policy was obtained through Haven Life, a start-up owned by Massachusetts Mutual Life Insurance Co. Insurers like Haven Life are for the first time trusting that algorithms —which use answers provided by applicants and data pulled from prescription-drug databases, motor-vehicle records and other sources--will reveal nearly as much about a person as analysis of blood and urine.<br />
<br />
<br />
CREDIT: Matt Roth for The Wall Street <br />
Journal<br />
Slug: LIFEBLOOD
    170110_Dan_Finkelstein_Life_Insuranc...jpg
  • Elicott City, Maryland - January 10, 2017: Dan Finkelstein, a 37-year-old married father of three plays with his children Tuesday January 10, 2017. <br />
<br />
<br />
In October, 37-year-old Dan Finkelstein, went online to explore buying life insurance. To his surprise, in approximately 20 minutes he was the owner of a $750,000 policy. Just a year ago, Mr. Finkelstein’'s purchase would have taken a month and required blood and urine samples, and an analysis of his medical records. "“I was definitely surprised how easy it was,”" says Mr. Finkelstein, a computer-systems architect and father of three in Ellicott City, Md. Mr. Finklestein's policy was obtained through Haven Life, a start-up owned by Massachusetts Mutual Life Insurance Co. Insurers like Haven Life are for the first time trusting that algorithms —which use answers provided by applicants and data pulled from prescription-drug databases, motor-vehicle records and other sources--will reveal nearly as much about a person as analysis of blood and urine.<br />
<br />
<br />
CREDIT: Matt Roth for The Wall Street <br />
Journal<br />
Slug: LIFEBLOOD
    170110_Dan_Finkelstein_Life_Insuranc...jpg
  • Elicott City, Maryland - January 10, 2017: Dan Finkelstein, a 37-year-old married father of three plays with his five-year-old twins Jonah, left, and Parker, right, at their home in Ellicott City, Md., Tuesday January 10, 2017. <br />
<br />
<br />
In October, 37-year-old Dan Finkelstein, went online to explore buying life insurance. To his surprise, in approximately 20 minutes he was the owner of a $750,000 policy. Just a year ago, Mr. Finkelstein’'s purchase would have taken a month and required blood and urine samples, and an analysis of his medical records. "“I was definitely surprised how easy it was,”" says Mr. Finkelstein, a computer-systems architect and father of three in Ellicott City, Md. Mr. Finklestein's policy was obtained through Haven Life, a start-up owned by Massachusetts Mutual Life Insurance Co. Insurers like Haven Life are for the first time trusting that algorithms —which use answers provided by applicants and data pulled from prescription-drug databases, motor-vehicle records and other sources--will reveal nearly as much about a person as analysis of blood and urine.<br />
<br />
<br />
CREDIT: Matt Roth for The Wall Street <br />
Journal<br />
Slug: LIFEBLOOD
    170110_Dan_Finkelstein_Life_Insuranc...jpg
  • Elicott City, Maryland - January 10, 2017: Dan Finkelstein, a 37-year-old married father of three plays with his five-year-old twins Jonah, left, and Parker, right, at their home in Ellicott City, Md., Tuesday January 10, 2017. <br />
<br />
<br />
In October, 37-year-old Dan Finkelstein, went online to explore buying life insurance. To his surprise, in approximately 20 minutes he was the owner of a $750,000 policy. Just a year ago, Mr. Finkelstein’'s purchase would have taken a month and required blood and urine samples, and an analysis of his medical records. "“I was definitely surprised how easy it was,”" says Mr. Finkelstein, a computer-systems architect and father of three in Ellicott City, Md. Mr. Finklestein's policy was obtained through Haven Life, a start-up owned by Massachusetts Mutual Life Insurance Co. Insurers like Haven Life are for the first time trusting that algorithms —which use answers provided by applicants and data pulled from prescription-drug databases, motor-vehicle records and other sources--will reveal nearly as much about a person as analysis of blood and urine.<br />
<br />
<br />
CREDIT: Matt Roth for The Wall Street <br />
Journal<br />
Slug: LIFEBLOOD
    170110_Dan_Finkelstein_Life_Insuranc...jpg
  • Elicott City, Maryland - January 10, 2017: Dan Finkelstein, a 37-year-old married father of three plays with his five-year-old twins Parker, left, and Jonah, right, at their home in Ellicott City, Md., Tuesday January 10, 2017. <br />
<br />
<br />
In October, 37-year-old Dan Finkelstein, went online to explore buying life insurance. To his surprise, in approximately 20 minutes he was the owner of a $750,000 policy. Just a year ago, Mr. Finkelstein’'s purchase would have taken a month and required blood and urine samples, and an analysis of his medical records. "“I was definitely surprised how easy it was,”" says Mr. Finkelstein, a computer-systems architect and father of three in Ellicott City, Md. Mr. Finklestein's policy was obtained through Haven Life, a start-up owned by Massachusetts Mutual Life Insurance Co. Insurers like Haven Life are for the first time trusting that algorithms —which use answers provided by applicants and data pulled from prescription-drug databases, motor-vehicle records and other sources--will reveal nearly as much about a person as analysis of blood and urine.<br />
<br />
<br />
CREDIT: Matt Roth for The Wall Street <br />
Journal<br />
Slug: LIFEBLOOD
    170110_Dan_Finkelstein_Life_Insuranc...jpg
  • Elicott City, Maryland - January 10, 2017: Dan and Julia Finkelstein play with their twin boys Jonah, and Parker, respectively, at their home in Ellicott City, Md., Tuesday January 10, 2017. <br />
<br />
<br />
In October, 37-year-old Dan Finkelstein, went online to explore buying life insurance. To his surprise, in approximately 20 minutes he was the owner of a $750,000 policy. Just a year ago, Mr. Finkelstein’'s purchase would have taken a month and required blood and urine samples, and an analysis of his medical records. "“I was definitely surprised how easy it was,”" says Mr. Finkelstein, a computer-systems architect and father of three in Ellicott City, Md. Mr. Finklestein's policy was obtained through Haven Life, a start-up owned by Massachusetts Mutual Life Insurance Co. Insurers like Haven Life are for the first time trusting that algorithms —which use answers provided by applicants and data pulled from prescription-drug databases, motor-vehicle records and other sources--will reveal nearly as much about a person as analysis of blood and urine.<br />
<br />
<br />
CREDIT: Matt Roth for The Wall Street <br />
Journal<br />
Slug: LIFEBLOOD
    170110_Dan_Finkelstein_Life_Insuranc...jpg
  • Elicott City, Maryland - January 10, 2017: Dan Finkelstein, a 37-year-old married father of three plays "Pop the Pig" with his children (L-R) Maya, 8, twins Parker and Jonah, and wife Julia,Tuesday January 10, 2017 at their home in Ellicott City, Md.<br />
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<br />
In October, 37-year-old Dan Finkelstein, went online to explore buying life insurance. To his surprise, in approximately 20 minutes he was the owner of a $750,000 policy. Just a year ago, Mr. Finkelstein’'s purchase would have taken a month and required blood and urine samples, and an analysis of his medical records. "“I was definitely surprised how easy it was,”" says Mr. Finkelstein, a computer-systems architect and father of three in Ellicott City, Md. Mr. Finklestein's policy was obtained through Haven Life, a start-up owned by Massachusetts Mutual Life Insurance Co. Insurers like Haven Life are for the first time trusting that algorithms —which use answers provided by applicants and data pulled from prescription-drug databases, motor-vehicle records and other sources--will reveal nearly as much about a person as analysis of blood and urine.<br />
<br />
<br />
CREDIT: Matt Roth for The Wall Street <br />
Journal<br />
Slug: LIFEBLOOD
    170110_Dan_Finkelstein_Life_Insuranc...jpg
  • Elicott City, Maryland - January 10, 2017: The Finkelsteins (L-R) Jonah, 5, Maya, 8, Dan, Parker, 5, and and Julia, watch and play a virtual reality video game in their Ellicott City, Md., basement Tuesday January 10, 2017. <br />
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<br />
In October, 37-year-old Dan Finkelstein, went online to explore buying life insurance. To his surprise, in approximately 20 minutes he was the owner of a $750,000 policy. Just a year ago, Mr. Finkelstein’'s purchase would have taken a month and required blood and urine samples, and an analysis of his medical records. "“I was definitely surprised how easy it was,”" says Mr. Finkelstein, a computer-systems architect and father of three in Ellicott City, Md. Mr. Finklestein's policy was obtained through Haven Life, a start-up owned by Massachusetts Mutual Life Insurance Co. Insurers like Haven Life are for the first time trusting that algorithms —which use answers provided by applicants and data pulled from prescription-drug databases, motor-vehicle records and other sources--will reveal nearly as much about a person as analysis of blood and urine.<br />
<br />
<br />
CREDIT: Matt Roth for The Wall Street <br />
Journal<br />
Slug: LIFEBLOOD
    170110_Dan_Finkelstein_Life_Insuranc...jpg
  • Elicott City, Maryland - January 10, 2017: Dan Finkelstein, a 37-year-old married father of three throws one of his five-year-old twins Jonah, into a bounce house while Parker, the other twin awaits his turn to be tossed in their home's basement in Ellicott City, Md., Tuesday January 10, 2017. <br />
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<br />
In October, 37-year-old Dan Finkelstein, went online to explore buying life insurance. To his surprise, in approximately 20 minutes he was the owner of a $750,000 policy. Just a year ago, Mr. Finkelstein’'s purchase would have taken a month and required blood and urine samples, and an analysis of his medical records. "“I was definitely surprised how easy it was,”" says Mr. Finkelstein, a computer-systems architect and father of three in Ellicott City, Md. Mr. Finklestein's policy was obtained through Haven Life, a start-up owned by Massachusetts Mutual Life Insurance Co. Insurers like Haven Life are for the first time trusting that algorithms —which use answers provided by applicants and data pulled from prescription-drug databases, motor-vehicle records and other sources--will reveal nearly as much about a person as analysis of blood and urine.<br />
<br />
<br />
CREDIT: Matt Roth for The Wall Street <br />
Journal<br />
Slug: LIFEBLOOD
    170110_Dan_Finkelstein_Life_Insuranc...jpg
  • Elicott City, Maryland - January 10, 2017: Dan Finkelstein, a 37-year-old married father of three plays with his five-year-old twins Parker, left, and Jonah, right, at their home in Ellicott City, Md., Tuesday January 10, 2017. <br />
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<br />
In October, 37-year-old Dan Finkelstein, went online to explore buying life insurance. To his surprise, in approximately 20 minutes he was the owner of a $750,000 policy. Just a year ago, Mr. Finkelstein’'s purchase would have taken a month and required blood and urine samples, and an analysis of his medical records. "“I was definitely surprised how easy it was,”" says Mr. Finkelstein, a computer-systems architect and father of three in Ellicott City, Md. Mr. Finklestein's policy was obtained through Haven Life, a start-up owned by Massachusetts Mutual Life Insurance Co. Insurers like Haven Life are for the first time trusting that algorithms —which use answers provided by applicants and data pulled from prescription-drug databases, motor-vehicle records and other sources--will reveal nearly as much about a person as analysis of blood and urine.<br />
<br />
<br />
CREDIT: Matt Roth for The Wall Street <br />
Journal<br />
Slug: LIFEBLOOD
    170110_Dan_Finkelstein_Life_Insuranc...jpg
  • Elicott City, Maryland - January 10, 2017: Dan Finkelstein, a 37-year-old married father of three plays with his five-year-old twins Jonah, left, and Parker, right, at their home in Ellicott City, Md., Tuesday January 10, 2017. <br />
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<br />
In October, 37-year-old Dan Finkelstein, went online to explore buying life insurance. To his surprise, in approximately 20 minutes he was the owner of a $750,000 policy. Just a year ago, Mr. Finkelstein’'s purchase would have taken a month and required blood and urine samples, and an analysis of his medical records. "“I was definitely surprised how easy it was,”" says Mr. Finkelstein, a computer-systems architect and father of three in Ellicott City, Md. Mr. Finklestein's policy was obtained through Haven Life, a start-up owned by Massachusetts Mutual Life Insurance Co. Insurers like Haven Life are for the first time trusting that algorithms —which use answers provided by applicants and data pulled from prescription-drug databases, motor-vehicle records and other sources--will reveal nearly as much about a person as analysis of blood and urine.<br />
<br />
<br />
CREDIT: Matt Roth for The Wall Street <br />
Journal<br />
Slug: LIFEBLOOD
    170110_Dan_Finkelstein_Life_Insuranc...jpg
  • Elicott City, Maryland - January 10, 2017: Dan Finkelstein, a 37-year-old married father of three plays with his five-year-old twins Parker, left, and Jonah, right, at their home in Ellicott City, Md., Tuesday January 10, 2017. <br />
<br />
<br />
In October, 37-year-old Dan Finkelstein, went online to explore buying life insurance. To his surprise, in approximately 20 minutes he was the owner of a $750,000 policy. Just a year ago, Mr. Finkelstein’'s purchase would have taken a month and required blood and urine samples, and an analysis of his medical records. "“I was definitely surprised how easy it was,”" says Mr. Finkelstein, a computer-systems architect and father of three in Ellicott City, Md. Mr. Finklestein's policy was obtained through Haven Life, a start-up owned by Massachusetts Mutual Life Insurance Co. Insurers like Haven Life are for the first time trusting that algorithms —which use answers provided by applicants and data pulled from prescription-drug databases, motor-vehicle records and other sources--will reveal nearly as much about a person as analysis of blood and urine.<br />
<br />
<br />
CREDIT: Matt Roth for The Wall Street <br />
Journal<br />
Slug: LIFEBLOOD
    170110_Dan_Finkelstein_Life_Insuranc...jpg
  • Elicott City, Maryland - January 10, 2017: Dan Finkelstein, a 37-year-old married father of three plays with his children Tuesday January 10, 2017. <br />
<br />
<br />
In October, 37-year-old Dan Finkelstein, went online to explore buying life insurance. To his surprise, in approximately 20 minutes he was the owner of a $750,000 policy. Just a year ago, Mr. Finkelstein’'s purchase would have taken a month and required blood and urine samples, and an analysis of his medical records. "“I was definitely surprised how easy it was,”" says Mr. Finkelstein, a computer-systems architect and father of three in Ellicott City, Md. Mr. Finklestein's policy was obtained through Haven Life, a start-up owned by Massachusetts Mutual Life Insurance Co. Insurers like Haven Life are for the first time trusting that algorithms —which use answers provided by applicants and data pulled from prescription-drug databases, motor-vehicle records and other sources--will reveal nearly as much about a person as analysis of blood and urine.<br />
<br />
<br />
CREDIT: Matt Roth for The Wall Street <br />
Journal<br />
Slug: LIFEBLOOD
    170110_Dan_Finkelstein_Life_Insuranc...jpg
  • Elicott City, Maryland - January 10, 2017: Dan Finkelstein, a 37-year-old married father of three plays with his children Tuesday January 10, 2017. <br />
<br />
<br />
In October, 37-year-old Dan Finkelstein, went online to explore buying life insurance. To his surprise, in approximately 20 minutes he was the owner of a $750,000 policy. Just a year ago, Mr. Finkelstein’'s purchase would have taken a month and required blood and urine samples, and an analysis of his medical records. "“I was definitely surprised how easy it was,”" says Mr. Finkelstein, a computer-systems architect and father of three in Ellicott City, Md. Mr. Finklestein's policy was obtained through Haven Life, a start-up owned by Massachusetts Mutual Life Insurance Co. Insurers like Haven Life are for the first time trusting that algorithms —which use answers provided by applicants and data pulled from prescription-drug databases, motor-vehicle records and other sources--will reveal nearly as much about a person as analysis of blood and urine.<br />
<br />
<br />
CREDIT: Matt Roth for The Wall Street <br />
Journal<br />
Slug: LIFEBLOOD
    170110_Dan_Finkelstein_Life_Insuranc...jpg
  • Elicott City, Maryland - January 10, 2017: Dan Finkelstein, a 37-year-old married father of three plays with his children Tuesday January 10, 2017. <br />
<br />
<br />
In October, 37-year-old Dan Finkelstein, went online to explore buying life insurance. To his surprise, in approximately 20 minutes he was the owner of a $750,000 policy. Just a year ago, Mr. Finkelstein’'s purchase would have taken a month and required blood and urine samples, and an analysis of his medical records. "“I was definitely surprised how easy it was,”" says Mr. Finkelstein, a computer-systems architect and father of three in Ellicott City, Md. Mr. Finklestein's policy was obtained through Haven Life, a start-up owned by Massachusetts Mutual Life Insurance Co. Insurers like Haven Life are for the first time trusting that algorithms —which use answers provided by applicants and data pulled from prescription-drug databases, motor-vehicle records and other sources--will reveal nearly as much about a person as analysis of blood and urine.<br />
<br />
<br />
CREDIT: Matt Roth for The Wall Street <br />
Journal<br />
Slug: LIFEBLOOD
    170110_Dan_Finkelstein_Life_Insuranc...jpg
  • Elicott City, Maryland - January 10, 2017: Dan Finkelstein, a 37-year-old married father of three plays with his children Tuesday January 10, 2017. <br />
<br />
<br />
In October, 37-year-old Dan Finkelstein, went online to explore buying life insurance. To his surprise, in approximately 20 minutes he was the owner of a $750,000 policy. Just a year ago, Mr. Finkelstein’'s purchase would have taken a month and required blood and urine samples, and an analysis of his medical records. "“I was definitely surprised how easy it was,”" says Mr. Finkelstein, a computer-systems architect and father of three in Ellicott City, Md. Mr. Finklestein's policy was obtained through Haven Life, a start-up owned by Massachusetts Mutual Life Insurance Co. Insurers like Haven Life are for the first time trusting that algorithms —which use answers provided by applicants and data pulled from prescription-drug databases, motor-vehicle records and other sources--will reveal nearly as much about a person as analysis of blood and urine.<br />
<br />
<br />
CREDIT: Matt Roth for The Wall Street <br />
Journal<br />
Slug: LIFEBLOOD
    170110_Dan_Finkelstein_Life_Insuranc...jpg
  • Elicott City, Maryland - January 10, 2017: Dan Finkelstein, a 37-year-old married father of three plays with his children Tuesday January 10, 2017. <br />
<br />
<br />
In October, 37-year-old Dan Finkelstein, went online to explore buying life insurance. To his surprise, in approximately 20 minutes he was the owner of a $750,000 policy. Just a year ago, Mr. Finkelstein’'s purchase would have taken a month and required blood and urine samples, and an analysis of his medical records. "“I was definitely surprised how easy it was,”" says Mr. Finkelstein, a computer-systems architect and father of three in Ellicott City, Md. Mr. Finklestein's policy was obtained through Haven Life, a start-up owned by Massachusetts Mutual Life Insurance Co. Insurers like Haven Life are for the first time trusting that algorithms —which use answers provided by applicants and data pulled from prescription-drug databases, motor-vehicle records and other sources--will reveal nearly as much about a person as analysis of blood and urine.<br />
<br />
<br />
CREDIT: Matt Roth for The Wall Street <br />
Journal<br />
Slug: LIFEBLOOD
    170110_Dan_Finkelstein_Life_Insuranc...jpg
  • Elicott City, Maryland - January 10, 2017: Dan Finkelstein, a 37-year-old married father of three plays with his five-year-old twins Jonah, left, and Parker, right, -- who play stabs his father with a fake knife -- at their home in Ellicott City, Md., Tuesday January 10, 2017. <br />
<br />
<br />
In October, 37-year-old Dan Finkelstein, went online to explore buying life insurance. To his surprise, in approximately 20 minutes he was the owner of a $750,000 policy. Just a year ago, Mr. Finkelstein’'s purchase would have taken a month and required blood and urine samples, and an analysis of his medical records. "“I was definitely surprised how easy it was,”" says Mr. Finkelstein, a computer-systems architect and father of three in Ellicott City, Md. Mr. Finklestein's policy was obtained through Haven Life, a start-up owned by Massachusetts Mutual Life Insurance Co. Insurers like Haven Life are for the first time trusting that algorithms —which use answers provided by applicants and data pulled from prescription-drug databases, motor-vehicle records and other sources--will reveal nearly as much about a person as analysis of blood and urine.<br />
<br />
<br />
CREDIT: Matt Roth for The Wall Street <br />
Journal<br />
Slug: LIFEBLOOD
    170110_Dan_Finkelstein_Life_Insuranc...jpg
  • Elicott City, Maryland - January 10, 2017: Dan Finkelstein, a 37-year-old married father of three plays with his five-year-old twins Jonah, left, and Parker, right, -- who play stabs his father with a fake knife -- at their home in Ellicott City, Md., Tuesday January 10, 2017. <br />
<br />
<br />
In October, 37-year-old Dan Finkelstein, went online to explore buying life insurance. To his surprise, in approximately 20 minutes he was the owner of a $750,000 policy. Just a year ago, Mr. Finkelstein’'s purchase would have taken a month and required blood and urine samples, and an analysis of his medical records. "“I was definitely surprised how easy it was,”" says Mr. Finkelstein, a computer-systems architect and father of three in Ellicott City, Md. Mr. Finklestein's policy was obtained through Haven Life, a start-up owned by Massachusetts Mutual Life Insurance Co. Insurers like Haven Life are for the first time trusting that algorithms —which use answers provided by applicants and data pulled from prescription-drug databases, motor-vehicle records and other sources--will reveal nearly as much about a person as analysis of blood and urine.<br />
<br />
<br />
CREDIT: Matt Roth for The Wall Street <br />
Journal<br />
Slug: LIFEBLOOD
    170110_Dan_Finkelstein_Life_Insuranc...jpg
  • Elicott City, Maryland - January 10, 2017: Dan Finkelstein, a 37-year-old married father of three plays with his five-year-old twins Jonah, left, and Parker, right, at their home in Ellicott City, Md., Tuesday January 10, 2017. <br />
<br />
<br />
In October, 37-year-old Dan Finkelstein, went online to explore buying life insurance. To his surprise, in approximately 20 minutes he was the owner of a $750,000 policy. Just a year ago, Mr. Finkelstein’'s purchase would have taken a month and required blood and urine samples, and an analysis of his medical records. "“I was definitely surprised how easy it was,”" says Mr. Finkelstein, a computer-systems architect and father of three in Ellicott City, Md. Mr. Finklestein's policy was obtained through Haven Life, a start-up owned by Massachusetts Mutual Life Insurance Co. Insurers like Haven Life are for the first time trusting that algorithms —which use answers provided by applicants and data pulled from prescription-drug databases, motor-vehicle records and other sources--will reveal nearly as much about a person as analysis of blood and urine.<br />
<br />
<br />
CREDIT: Matt Roth for The Wall Street <br />
Journal<br />
Slug: LIFEBLOOD
    170110_Dan_Finkelstein_Life_Insuranc...jpg
  • Elicott City, Maryland - January 10, 2017: Dan Finkelstein at home with his children twins Jonah and Parker, 5, and daughter Maya, 8, Tuesday January 10, 2017, at their home in Ellicott City, Md.<br />
<br />
<br />
In October, 37-year-old Dan Finkelstein, went online to explore buying life insurance. To his surprise, in approximately 20 minutes he was the owner of a $750,000 policy. Just a year ago, Mr. Finkelstein’'s purchase would have taken a month and required blood and urine samples, and an analysis of his medical records. "“I was definitely surprised how easy it was,”" says Mr. Finkelstein, a computer-systems architect and father of three in Ellicott City, Md. Mr. Finklestein's policy was obtained through Haven Life, a start-up owned by Massachusetts Mutual Life Insurance Co. Insurers like Haven Life are for the first time trusting that algorithms —which use answers provided by applicants and data pulled from prescription-drug databases, motor-vehicle records and other sources--will reveal nearly as much about a person as analysis of blood and urine.<br />
<br />
<br />
CREDIT: Matt Roth for The Wall Street <br />
Journal<br />
Slug: LIFEBLOOD
    170110_Dan_Finkelstein_Life_Insuranc...jpg
  • Elicott City, Maryland - January 10, 2017: Dan Finkelstein, a 37-year-old married father of three plays with his five-year-old twins Parker, left, and Jonah, right, at their home in Ellicott City, Md., Tuesday January 10, 2017. <br />
<br />
<br />
In October, 37-year-old Dan Finkelstein, went online to explore buying life insurance. To his surprise, in approximately 20 minutes he was the owner of a $750,000 policy. Just a year ago, Mr. Finkelstein’'s purchase would have taken a month and required blood and urine samples, and an analysis of his medical records. "“I was definitely surprised how easy it was,”" says Mr. Finkelstein, a computer-systems architect and father of three in Ellicott City, Md. Mr. Finklestein's policy was obtained through Haven Life, a start-up owned by Massachusetts Mutual Life Insurance Co. Insurers like Haven Life are for the first time trusting that algorithms —which use answers provided by applicants and data pulled from prescription-drug databases, motor-vehicle records and other sources--will reveal nearly as much about a person as analysis of blood and urine.<br />
<br />
<br />
CREDIT: Matt Roth for The Wall Street <br />
Journal<br />
Slug: LIFEBLOOD
    170110_Dan_Finkelstein_Life_Insuranc...jpg
  • Elicott City, Maryland - January 10, 2017: Dan and Julia Finkelstein are at home with their children Maya, 8, left, and twins Jonah and Parker, 5, Tuesday January 10, 2017, at their home in Ellicott City, Md.<br />
<br />
<br />
In October, 37-year-old Dan Finkelstein, went online to explore buying life insurance. To his surprise, in approximately 20 minutes he was the owner of a $750,000 policy. Just a year ago, Mr. Finkelstein’'s purchase would have taken a month and required blood and urine samples, and an analysis of his medical records. "“I was definitely surprised how easy it was,”" says Mr. Finkelstein, a computer-systems architect and father of three in Ellicott City, Md. Mr. Finklestein's policy was obtained through Haven Life, a start-up owned by Massachusetts Mutual Life Insurance Co. Insurers like Haven Life are for the first time trusting that algorithms —which use answers provided by applicants and data pulled from prescription-drug databases, motor-vehicle records and other sources--will reveal nearly as much about a person as analysis of blood and urine.<br />
<br />
<br />
CREDIT: Matt Roth for The Wall Street <br />
Journal<br />
Slug: LIFEBLOOD
    170110_Dan_Finkelstein_Life_Insuranc...jpg
  • Elicott City, Maryland - January 10, 2017: Dan Finkelstein, a 37-year-old married father of three plays "Pop the Pig" with his children (L-R) Maya, 8, twins Parker and Jonah, and wife Julia,Tuesday January 10, 2017 at their home in Ellicott City, Md.<br />
<br />
<br />
In October, 37-year-old Dan Finkelstein, went online to explore buying life insurance. To his surprise, in approximately 20 minutes he was the owner of a $750,000 policy. Just a year ago, Mr. Finkelstein’'s purchase would have taken a month and required blood and urine samples, and an analysis of his medical records. "“I was definitely surprised how easy it was,”" says Mr. Finkelstein, a computer-systems architect and father of three in Ellicott City, Md. Mr. Finklestein's policy was obtained through Haven Life, a start-up owned by Massachusetts Mutual Life Insurance Co. Insurers like Haven Life are for the first time trusting that algorithms —which use answers provided by applicants and data pulled from prescription-drug databases, motor-vehicle records and other sources--will reveal nearly as much about a person as analysis of blood and urine.<br />
<br />
<br />
CREDIT: Matt Roth for The Wall Street <br />
Journal<br />
Slug: LIFEBLOOD
    170110_Dan_Finkelstein_Life_Insuranc...jpg
  • Elicott City, Maryland - January 10, 2017: Dan Finkelstein, a 37-year-old married father of three plays "Pop the Pig" with his children (L-R) Maya, 8, twins Parker and Jonah, and wife Julia,Tuesday January 10, 2017 at their home in Ellicott City, Md.<br />
<br />
<br />
In October, 37-year-old Dan Finkelstein, went online to explore buying life insurance. To his surprise, in approximately 20 minutes he was the owner of a $750,000 policy. Just a year ago, Mr. Finkelstein’'s purchase would have taken a month and required blood and urine samples, and an analysis of his medical records. "“I was definitely surprised how easy it was,”" says Mr. Finkelstein, a computer-systems architect and father of three in Ellicott City, Md. Mr. Finklestein's policy was obtained through Haven Life, a start-up owned by Massachusetts Mutual Life Insurance Co. Insurers like Haven Life are for the first time trusting that algorithms —which use answers provided by applicants and data pulled from prescription-drug databases, motor-vehicle records and other sources--will reveal nearly as much about a person as analysis of blood and urine.<br />
<br />
<br />
CREDIT: Matt Roth for The Wall Street <br />
Journal<br />
Slug: LIFEBLOOD
    170110_Dan_Finkelstein_Life_Insuranc...jpg
  • Elicott City, Maryland - January 10, 2017: Dan Finkelstein, a 37-year-old married father of three plays "Pop the Pig" with his children (L-R) Maya, 8, twins Parker and Jonah, and wife Julia,Tuesday January 10, 2017 at their home in Ellicott City, Md.<br />
<br />
<br />
In October, 37-year-old Dan Finkelstein, went online to explore buying life insurance. To his surprise, in approximately 20 minutes he was the owner of a $750,000 policy. Just a year ago, Mr. Finkelstein’'s purchase would have taken a month and required blood and urine samples, and an analysis of his medical records. "“I was definitely surprised how easy it was,”" says Mr. Finkelstein, a computer-systems architect and father of three in Ellicott City, Md. Mr. Finklestein's policy was obtained through Haven Life, a start-up owned by Massachusetts Mutual Life Insurance Co. Insurers like Haven Life are for the first time trusting that algorithms —which use answers provided by applicants and data pulled from prescription-drug databases, motor-vehicle records and other sources--will reveal nearly as much about a person as analysis of blood and urine.<br />
<br />
<br />
CREDIT: Matt Roth for The Wall Street <br />
Journal<br />
Slug: LIFEBLOOD
    170110_Dan_Finkelstein_Life_Insuranc...jpg
  • Elicott City, Maryland - January 10, 2017: The Finkelsteins (L-R) Maya, 8, Jonah, 5, Dan, Parker, 5, and Julia, watch and play a virtual reality video game in their Ellicott City, Md., basement Tuesday January 10, 2017. <br />
<br />
<br />
In October, 37-year-old Dan Finkelstein, went online to explore buying life insurance. To his surprise, in approximately 20 minutes he was the owner of a $750,000 policy. Just a year ago, Mr. Finkelstein’'s purchase would have taken a month and required blood and urine samples, and an analysis of his medical records. "“I was definitely surprised how easy it was,”" says Mr. Finkelstein, a computer-systems architect and father of three in Ellicott City, Md. Mr. Finklestein's policy was obtained through Haven Life, a start-up owned by Massachusetts Mutual Life Insurance Co. Insurers like Haven Life are for the first time trusting that algorithms —which use answers provided by applicants and data pulled from prescription-drug databases, motor-vehicle records and other sources--will reveal nearly as much about a person as analysis of blood and urine.<br />
<br />
<br />
CREDIT: Matt Roth for The Wall Street <br />
Journal<br />
Slug: LIFEBLOOD
    170110_Dan_Finkelstein_Life_Insuranc...jpg
  • Elicott City, Maryland - January 10, 2017: The Finkelsteins (L-R) Maya, 8, Dan, twins Parker and Jonah, and Julia, watch the boys play a virtual reality video game in their Ellicott City, Md., basement Tuesday January 10, 2017. <br />
<br />
<br />
In October, 37-year-old Dan Finkelstein, went online to explore buying life insurance. To his surprise, in approximately 20 minutes he was the owner of a $750,000 policy. Just a year ago, Mr. Finkelstein’'s purchase would have taken a month and required blood and urine samples, and an analysis of his medical records. "“I was definitely surprised how easy it was,”" says Mr. Finkelstein, a computer-systems architect and father of three in Ellicott City, Md. Mr. Finklestein's policy was obtained through Haven Life, a start-up owned by Massachusetts Mutual Life Insurance Co. Insurers like Haven Life are for the first time trusting that algorithms —which use answers provided by applicants and data pulled from prescription-drug databases, motor-vehicle records and other sources--will reveal nearly as much about a person as analysis of blood and urine.<br />
<br />
<br />
CREDIT: Matt Roth for The Wall Street <br />
Journal<br />
Slug: LIFEBLOOD
    170110_Dan_Finkelstein_Life_Insuranc...jpg
  • Elicott City, Maryland - January 10, 2017: Dan Finkelstein, a 37-year-old married father of three plays with one of his five-year-old twins, Jonah, at their home in Ellicott City, Md., Tuesday January 10, 2017. <br />
<br />
<br />
In October, 37-year-old Dan Finkelstein, went online to explore buying life insurance. To his surprise, in approximately 20 minutes he was the owner of a $750,000 policy. Just a year ago, Mr. Finkelstein’'s purchase would have taken a month and required blood and urine samples, and an analysis of his medical records. "“I was definitely surprised how easy it was,”" says Mr. Finkelstein, a computer-systems architect and father of three in Ellicott City, Md. Mr. Finklestein's policy was obtained through Haven Life, a start-up owned by Massachusetts Mutual Life Insurance Co. Insurers like Haven Life are for the first time trusting that algorithms —which use answers provided by applicants and data pulled from prescription-drug databases, motor-vehicle records and other sources--will reveal nearly as much about a person as analysis of blood and urine.<br />
<br />
<br />
CREDIT: Matt Roth for The Wall Street <br />
Journal<br />
Slug: LIFEBLOOD
    170110_Dan_Finkelstein_Life_Insuranc...jpg
  • Elicott City, Maryland - January 10, 2017: Dan Finkelstein, a 37-year-old married father of three stands in the deflated bounce house in his Ellicott City, Md., home's basement while one of his five-year-old twins Jonah, peeks out, Tuesday January 10, 2017. <br />
<br />
<br />
In October, 37-year-old Dan Finkelstein, went online to explore buying life insurance. To his surprise, in approximately 20 minutes he was the owner of a $750,000 policy. Just a year ago, Mr. Finkelstein’'s purchase would have taken a month and required blood and urine samples, and an analysis of his medical records. "“I was definitely surprised how easy it was,”" says Mr. Finkelstein, a computer-systems architect and father of three in Ellicott City, Md. Mr. Finklestein's policy was obtained through Haven Life, a start-up owned by Massachusetts Mutual Life Insurance Co. Insurers like Haven Life are for the first time trusting that algorithms —which use answers provided by applicants and data pulled from prescription-drug databases, motor-vehicle records and other sources--will reveal nearly as much about a person as analysis of blood and urine.<br />
<br />
<br />
CREDIT: Matt Roth for The Wall Street <br />
Journal<br />
Slug: LIFEBLOOD
    170110_Dan_Finkelstein_Life_Insuranc...jpg
  • Elicott City, Maryland - January 10, 2017: Dan and Julia Finkelstein play with their twin boys Parker, foreground, and Jonah, at their home in Ellicott City, Md., Tuesday January 10, 2017. <br />
<br />
<br />
In October, 37-year-old Dan Finkelstein, went online to explore buying life insurance. To his surprise, in approximately 20 minutes he was the owner of a $750,000 policy. Just a year ago, Mr. Finkelstein’'s purchase would have taken a month and required blood and urine samples, and an analysis of his medical records. "“I was definitely surprised how easy it was,”" says Mr. Finkelstein, a computer-systems architect and father of three in Ellicott City, Md. Mr. Finklestein's policy was obtained through Haven Life, a start-up owned by Massachusetts Mutual Life Insurance Co. Insurers like Haven Life are for the first time trusting that algorithms —which use answers provided by applicants and data pulled from prescription-drug databases, motor-vehicle records and other sources--will reveal nearly as much about a person as analysis of blood and urine.<br />
<br />
<br />
CREDIT: Matt Roth for The Wall Street <br />
Journal<br />
Slug: LIFEBLOOD
    170110_Dan_Finkelstein_Life_Insuranc...jpg
  • Elicott City, Maryland - January 10, 2017: Dan Finkelstein, a 37-year-old married father of three plays with his children Tuesday January 10, 2017. <br />
<br />
<br />
In October, 37-year-old Dan Finkelstein, went online to explore buying life insurance. To his surprise, in approximately 20 minutes he was the owner of a $750,000 policy. Just a year ago, Mr. Finkelstein’'s purchase would have taken a month and required blood and urine samples, and an analysis of his medical records. "“I was definitely surprised how easy it was,”" says Mr. Finkelstein, a computer-systems architect and father of three in Ellicott City, Md. Mr. Finklestein's policy was obtained through Haven Life, a start-up owned by Massachusetts Mutual Life Insurance Co. Insurers like Haven Life are for the first time trusting that algorithms —which use answers provided by applicants and data pulled from prescription-drug databases, motor-vehicle records and other sources--will reveal nearly as much about a person as analysis of blood and urine.<br />
<br />
<br />
CREDIT: Matt Roth for The Wall Street <br />
Journal<br />
Slug: LIFEBLOOD
    170110_Dan_Finkelstein_Life_Insuranc...JPG
  • Elicott City, Maryland - January 10, 2017: Dan Finkelstein, a 37-year-old married father of three plays with his children Tuesday January 10, 2017. <br />
<br />
<br />
In October, 37-year-old Dan Finkelstein, went online to explore buying life insurance. To his surprise, in approximately 20 minutes he was the owner of a $750,000 policy. Just a year ago, Mr. Finkelstein’'s purchase would have taken a month and required blood and urine samples, and an analysis of his medical records. "“I was definitely surprised how easy it was,”" says Mr. Finkelstein, a computer-systems architect and father of three in Ellicott City, Md. Mr. Finklestein's policy was obtained through Haven Life, a start-up owned by Massachusetts Mutual Life Insurance Co. Insurers like Haven Life are for the first time trusting that algorithms —which use answers provided by applicants and data pulled from prescription-drug databases, motor-vehicle records and other sources--will reveal nearly as much about a person as analysis of blood and urine.<br />
<br />
<br />
CREDIT: Matt Roth for The Wall Street <br />
Journal<br />
Slug: LIFEBLOOD
    170110_Dan_Finkelstein_Life_Insuranc...JPG
  • Elicott City, Maryland - January 10, 2017: Dan Finkelstein, a 37-year-old married father of three plays with his children Tuesday January 10, 2017. <br />
<br />
<br />
In October, 37-year-old Dan Finkelstein, went online to explore buying life insurance. To his surprise, in approximately 20 minutes he was the owner of a $750,000 policy. Just a year ago, Mr. Finkelstein’'s purchase would have taken a month and required blood and urine samples, and an analysis of his medical records. "“I was definitely surprised how easy it was,”" says Mr. Finkelstein, a computer-systems architect and father of three in Ellicott City, Md. Mr. Finklestein's policy was obtained through Haven Life, a start-up owned by Massachusetts Mutual Life Insurance Co. Insurers like Haven Life are for the first time trusting that algorithms —which use answers provided by applicants and data pulled from prescription-drug databases, motor-vehicle records and other sources--will reveal nearly as much about a person as analysis of blood and urine.<br />
<br />
<br />
CREDIT: Matt Roth for The Wall Street <br />
Journal<br />
Slug: LIFEBLOOD
    170110_Dan_Finkelstein_Life_Insuranc...JPG
  • Baltimore, Maryland - November 15, 2013: Amber Hill tries and fails to buy health insurance from the Maryland Healthcare Exchange website in her Baltimore apartment November 15, 2013. She tried filling out the application five times and called the Maryland Health Connection help line twice. She was denied because, according to the site, her "household income is about federal limit." The Federal limit is $46,000, whereas her income is $22,500. If her second attempt on Saturday fails, she was advised by the help line supervisor to go into an appeal process -- of which no time frame was given.<br />
<br />
CREDIT: Matt Roth for The New York Times<br />
Assignment ID: 30150647A
    131115_Maryland_Healthcare_Exchange_...JPG
  • Baltimore, Maryland - November 15, 2013: Amber Hill tries and fails to buy health insurance from the Maryland Healthcare Exchange website in her Baltimore apartment November 15, 2013. She tried filling out the application five times and called the Maryland Health Connection help line twice. She was denied because, according to the site, her "household income is about federal limit." The Federal limit is $46,000, whereas her income is $22,500. If her second attempt on Saturday fails, she was advised by the help line supervisor to go into an appeal process -- of which no time frame was given.<br />
<br />
CREDIT: Matt Roth for The New York Times<br />
Assignment ID: 30150647A
    131115_Maryland_Healthcare_Exchange_...JPG
  • Baltimore, Maryland - November 15, 2013: Amber Hill tries and fails to buy health insurance from the Maryland Healthcare Exchange website in her Baltimore apartment November 15, 2013. She tried filling out the application five times and called the Maryland Health Connection help line twice. She was denied because, according to the site, her "household income is about federal limit." The Federal limit is $46,000, whereas her income is $22,500. If her second attempt on Saturday fails, she was advised by the help line supervisor to go into an appeal process -- of which no time frame was given.<br />
<br />
CREDIT: Matt Roth for The New York Times<br />
Assignment ID: 30150647A
    131115_Maryland_Healthcare_Exchange_...JPG
  • Baltimore, Maryland - November 15, 2013: Amber Hill tries and fails to buy health insurance from the Maryland Healthcare Exchange website in her Baltimore apartment November 15, 2013. She tried filling out the application five times and called the Maryland Health Connection help line twice. She was denied because, according to the site, her "household income is about federal limit." The Federal limit is $46,000, whereas her income is $22,500. If her second attempt on Saturday fails, she was advised by the help line supervisor to go into an appeal process -- of which no time frame was given.<br />
<br />
CREDIT: Matt Roth for The New York Times<br />
Assignment ID: 30150647A
    131115_Maryland_Healthcare_Exchange_...JPG
  • Baltimore, Maryland - November 15, 2013: Amber Hill tries and fails to buy health insurance from the Maryland Healthcare Exchange website in her Baltimore apartment November 15, 2013. She tried filling out the application five times and called the Maryland Health Connection help line twice. She was denied because, according to the site, her "household income is about federal limit." The Federal limit is $46,000, whereas her income is $22,500. If her second attempt on Saturday fails, she was advised by the help line supervisor to go into an appeal process -- of which no time frame was given.<br />
<br />
CREDIT: Matt Roth for The New York Times<br />
Assignment ID: 30150647A
    131115_Maryland_Healthcare_Exchange_...JPG
  • Baltimore, Maryland - November 15, 2013: Amber Hill tries and fails to buy health insurance from the Maryland Healthcare Exchange website in her Baltimore apartment November 15, 2013. She tried filling out the application five times and called the Maryland Health Connection help line twice. She was denied because, according to the site, her "household income is about federal limit." The Federal limit is $46,000, whereas her income is $22,500. If her second attempt on Saturday fails, she was advised by the help line supervisor to go into an appeal process -- of which no time frame was given.<br />
<br />
CREDIT: Matt Roth for The New York Times<br />
Assignment ID: 30150647A
    131115_Maryland_Healthcare_Exchange_...JPG
  • Baltimore, Maryland - November 15, 2013: Amber Hill tries and fails to buy health insurance from the Maryland Healthcare Exchange website in her Baltimore apartment November 15, 2013. She tried filling out the application five times and called the Maryland Health Connection help line twice. She was denied because, according to the site, her "household income is about federal limit." The Federal limit is $46,000, whereas her income is $22,500. If her second attempt on Saturday fails, she was advised by the help line supervisor to go into an appeal process -- of which no time frame was given.<br />
<br />
CREDIT: Matt Roth for The New York Times<br />
Assignment ID: 30150647A
    131115_Maryland_Healthcare_Exchange_...JPG
  • Baltimore, Maryland - November 15, 2013: Amber Hill tries and fails to buy health insurance from the Maryland Healthcare Exchange website in her Baltimore apartment November 15, 2013. She tried filling out the application five times and called the Maryland Health Connection help line twice. She was denied because, according to the site, her "household income is about federal limit." The Federal limit is $46,000, whereas her income is $22,500. If her second attempt on Saturday fails, she was advised by the help line supervisor to go into an appeal process -- of which no time frame was given.<br />
<br />
CREDIT: Matt Roth for The New York Times<br />
Assignment ID: 30150647A
    131115_Maryland_Healthcare_Exchange_...JPG
  • Baltimore, Maryland - November 15, 2013: Amber Hill tries and fails to buy health insurance from the Maryland Healthcare Exchange website in her Baltimore apartment November 15, 2013. She tried filling out the application five times and called the Maryland Health Connection help line twice. She was denied because, according to the site, her "household income is about federal limit." The Federal limit is $46,000, whereas her income is $22,500. If her second attempt on Saturday fails, she was advised by the help line supervisor to go into an appeal process -- of which no time frame was given.<br />
<br />
CREDIT: Matt Roth for The New York Times<br />
Assignment ID: 30150647A
    131115_Maryland_Healthcare_Exchange_...JPG
  • Baltimore, Maryland - November 15, 2013: Amber Hill tries and fails to buy health insurance from the Maryland Healthcare Exchange website in her Baltimore apartment November 15, 2013. She tried filling out the application five times and called the Maryland Health Connection help line twice. She was denied because, according to the site, her "household income is about federal limit." The Federal limit is $46,000, whereas her income is $22,500. If her second attempt on Saturday fails, she was advised by the help line supervisor to go into an appeal process -- of which no time frame was given.<br />
<br />
CREDIT: Matt Roth for The New York Times<br />
Assignment ID: 30150647A
    131115_Maryland_Healthcare_Exchange_...JPG
  • Baltimore, Maryland - November 15, 2013: Amber Hill tries and fails to buy health insurance from the Maryland Healthcare Exchange website in her Baltimore apartment November 15, 2013. She tried filling out the application five times and called the Maryland Health Connection help line twice. She was denied because, according to the site, her "household income is about federal limit." The Federal limit is $46,000, whereas her income is $22,500. If her second attempt on Saturday fails, she was advised by the help line supervisor to go into an appeal process -- of which no time frame was given.<br />
<br />
CREDIT: Matt Roth for The New York Times<br />
Assignment ID: 30150647A
    131115_Maryland_Healthcare_Exchange_...JPG
  • Baltimore, Maryland - November 15, 2013: Amber Hill tries and fails to buy health insurance from the Maryland Healthcare Exchange website in her Baltimore apartment November 15, 2013. She tried filling out the application five times and called the Maryland Health Connection help line twice. She was denied because, according to the site, her "household income is about federal limit." The Federal limit is $46,000, whereas her income is $22,500. If her second attempt on Saturday fails, she was advised by the help line supervisor to go into an appeal process -- of which no time frame was given.<br />
<br />
CREDIT: Matt Roth for The New York Times<br />
Assignment ID: 30150647A
    131115_Maryland_Healthcare_Exchange_...JPG
  • Baltimore, Maryland - November 15, 2013: Amber Hill tries and fails to buy health insurance from the Maryland Healthcare Exchange website in her Baltimore apartment November 15, 2013. She tried filling out the application five times and called the Maryland Health Connection help line twice. She was denied because, according to the site, her "household income is about federal limit." The Federal limit is $46,000, whereas her income is $22,500. If her second attempt on Saturday fails, she was advised by the help line supervisor to go into an appeal process -- of which no time frame was given.<br />
<br />
CREDIT: Matt Roth for The New York Times<br />
Assignment ID: 30150647A
    131115_Maryland_Healthcare_Exchange_...JPG
  • Baltimore, Maryland - November 15, 2013: Amber Hill tries and fails to buy health insurance from the Maryland Healthcare Exchange website in her Baltimore apartment November 15, 2013. She tried filling out the application five times and called the Maryland Health Connection help line twice. She was denied because, according to the site, her "household income is about federal limit." The Federal limit is $46,000, whereas her income is $22,500. If her second attempt on Saturday fails, she was advised by the help line supervisor to go into an appeal process -- of which no time frame was given.<br />
<br />
CREDIT: Matt Roth for The New York Times<br />
Assignment ID: 30150647A
    131115_Maryland_Healthcare_Exchange_...JPG
  • Baltimore, Maryland - November 15, 2013: Amber Hill tries and fails to buy health insurance from the Maryland Healthcare Exchange website in her Baltimore apartment November 15, 2013. She tried filling out the application five times and called the Maryland Health Connection help line twice. She was denied because, according to the site, her "household income is about federal limit." The Federal limit is $46,000, whereas her income is $22,500. If her second attempt on Saturday fails, she was advised by the help line supervisor to go into an appeal process -- of which no time frame was given.<br />
<br />
CREDIT: Matt Roth for The New York Times<br />
Assignment ID: 30150647A
    131115_Maryland_Healthcare_Exchange_...JPG
  • Baltimore, Maryland - November 15, 2013: Amber Hill tries and fails to buy health insurance from the Maryland Healthcare Exchange website in her Baltimore apartment November 15, 2013. She tried filling out the application five times and called the Maryland Health Connection help line twice. She was denied because, according to the site, her "household income is about federal limit." The Federal limit is $46,000, whereas her income is $22,500. If her second attempt on Saturday fails, she was advised by the help line supervisor to go into an appeal process -- of which no time frame was given.<br />
<br />
CREDIT: Matt Roth for The New York Times<br />
Assignment ID: 30150647A
    131115_Maryland_Healthcare_Exchange_...JPG
  • Baltimore, Maryland - November 15, 2013: Amber Hill tries and fails to buy health insurance from the Maryland Healthcare Exchange website in her Baltimore apartment November 15, 2013. She tried filling out the application five times and called the Maryland Health Connection help line twice. She was denied because, according to the site, her "household income is about federal limit." The Federal limit is $46,000, whereas her income is $22,500. If her second attempt on Saturday fails, she was advised by the help line supervisor to go into an appeal process -- of which no time frame was given.<br />
<br />
CREDIT: Matt Roth for The New York Times<br />
Assignment ID: 30150647A
    131115_Maryland_Healthcare_Exchange_...JPG
  • Baltimore, Maryland - November 15, 2013: Amber Hill tries and fails to buy health insurance from the Maryland Healthcare Exchange website in her Baltimore apartment November 15, 2013. She tried filling out the application five times and called the Maryland Health Connection help line twice. She was denied because, according to the site, her "household income is about federal limit." The Federal limit is $46,000, whereas her income is $22,500. If her second attempt on Saturday fails, she was advised by the help line supervisor to go into an appeal process -- of which no time frame was given.<br />
<br />
CREDIT: Matt Roth for The New York Times<br />
Assignment ID: 30150647A
    131115_Maryland_Healthcare_Exchange_...JPG
  • Baltimore, Maryland - November 15, 2013: Amber Hill tries and fails to buy health insurance from the Maryland Healthcare Exchange website in her Baltimore apartment November 15, 2013. She tried filling out the application five times and called the Maryland Health Connection help line twice. She was denied because, according to the site, her "household income is about federal limit." The Federal limit is $46,000, whereas her income is $22,500. If her second attempt on Saturday fails, she was advised by the help line supervisor to go into an appeal process -- of which no time frame was given.<br />
<br />
CREDIT: Matt Roth for The New York Times<br />
Assignment ID: 30150647A
    131115_Maryland_Healthcare_Exchange_...JPG
  • Baltimore, Maryland - November 15, 2013: Amber Hill tries and fails to buy health insurance from the Maryland Healthcare Exchange website in her Baltimore apartment November 15, 2013. She tried filling out the application five times and called the Maryland Health Connection help line twice. She was denied because, according to the site, her "household income is about federal limit." The Federal limit is $46,000, whereas her income is $22,500. If her second attempt on Saturday fails, she was advised by the help line supervisor to go into an appeal process -- of which no time frame was given.<br />
<br />
CREDIT: Matt Roth for The New York Times<br />
Assignment ID: 30150647A
    131115_Maryland_Healthcare_Exchange_...JPG
  • Baltimore, Maryland - November 15, 2013: Amber Hill tries and fails to buy health insurance from the Maryland Healthcare Exchange website in her Baltimore apartment November 15, 2013. She tried filling out the application five times and called the Maryland Health Connection help line twice. She was denied because, according to the site, her "household income is about federal limit." The Federal limit is $46,000, whereas her income is $22,500. If her second attempt on Saturday fails, she was advised by the help line supervisor to go into an appeal process -- of which no time frame was given.<br />
<br />
CREDIT: Matt Roth for The New York Times<br />
Assignment ID: 30150647A
    131115_Maryland_Healthcare_Exchange_...JPG
  • Baltimore, Maryland - November 15, 2013: Amber Hill tries and fails to buy health insurance from the Maryland Healthcare Exchange website in her Baltimore apartment November 15, 2013. She tried filling out the application five times and called the Maryland Health Connection help line twice. She was denied because, according to the site, her "household income is about federal limit." The Federal limit is $46,000, whereas her income is $22,500. If her second attempt on Saturday fails, she was advised by the help line supervisor to go into an appeal process -- of which no time frame was given.<br />
<br />
CREDIT: Matt Roth for The New York Times<br />
Assignment ID: 30150647A
    131115_Maryland_Healthcare_Exchange_...JPG
  • Baltimore, Maryland - November 15, 2013: Amber Hill tries and fails to buy health insurance from the Maryland Healthcare Exchange website in her Baltimore apartment November 15, 2013. She tried filling out the application five times and called the Maryland Health Connection help line twice. She was denied because, according to the site, her "household income is about federal limit." The Federal limit is $46,000, whereas her income is $22,500. If her second attempt on Saturday fails, she was advised by the help line supervisor to go into an appeal process -- of which no time frame was given.<br />
<br />
CREDIT: Matt Roth for The New York Times<br />
Assignment ID: 30150647A
    131115_Maryland_Healthcare_Exchange_...JPG
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