Cognitive and mood states of a real world person are assessed according to activity in a virtual world environment with which the person interacts. The virtual world is configured to provide interactive experiences for assessing the person's cognitive and/or mood states. The system requires configuration of a session avatar during each virtual world session to provide then-current insight into the person's mood state. The system may require configuration of an avatar reflective of the person's state. The system requires the person to configure the virtual world environment during each virtual session to provide then-current insight into the person's mood state. The system permits the user to visit destinations, perform tasks and play games that are included in the environment for the purpose of providing insight into the person's cognitive and/or mood states according to the person's selections and/or performance.