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8185461 |
Longevity analysis and modifiable attribute identification
A method, software, database and system for determining modifiable lifestyle attributes which when altered, can increase the longevity of an individual is presented. Based on an individual's...
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8185413 |
System and method for benefit plan cost estimation
A computer-based method and system to enable a benefit plan sponsor to design a plurality of benefit plans to be offered to a given participant population and for determining the cost of sponsoring...
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8185415 |
Methods and systems for comparing employee insurance plans among peer groups
The present invention is directed towards methods and systems for a benchmark based comparison of an employee insurance plan of an organization to employee insurance plans from other organizations...
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8185463 |
Interactive systems and methods for insurance-related activities
Systems and methods for performing insurance related activities are provided. Software can be implemented to provide an application that includes an interactive interface for use by insurance...
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8185417 |
System and method for providing multiple real-time pricing quotes based on optional consumer variables
A method and system for providing multiple real-time pricing quotes based on optional consumer variables is disclosed. A user accesses a web site and is provided with a web page enabling the user...
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8185409 |
Method and apparatus for operative event documentation and related data management
In one embodiment, method and apparatus are disclosed which provide that a plurality of physicians each enter operative event data into an operative event database, wherein the operative event data...
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8185416 |
Method for linking insurance policies
An insurance program that provides improved health care and longevity by emphasizing health improvement and maintenance for members of a group. After a predetermined waiting period from the time...
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8185414 |
System and method of processing a health insurance claim
A system and method of processing a health insurance claim are provided. According to the method, transaction data is received that has been transmitted from a third party computer via an open...
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8180655 |
Systems and methods for processing vehicle or driver performance data
Apparatus and methods to process vehicle or driver behavior data are described herein. In some examples, the behavior data is used by a premium calculating engine to derive a premium for a vehicle...
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8180656 |
Hybrid life insurance product with an improved total return
Disclosed is a novel life insurance product that provides an improved return to a purchaser. The life insurance product contains a benefit payment, and has a fixed benefit amount and a variable...
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8175947 |
System and method for administering fixed index annuities
A system for administering an insurance account includes a processor; a memory in communication with the processor; the processor being adapted to: access data indicative of a value of an index...
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8175901 |
System and method for managing payments for health care services
The health care payment techniques include a system, and/or a machine-readable storage media. In some embodiments of these techniques, the system includes a processor that executes instructions....
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8175934 |
System and method for automated generation of communications involving products or services
A system for automatically preparing customized replies in response to communications from a plurality of clients. To facilitate automation and tracking, each original communication to the client...
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8175900 |
Life insurance strategic value
The present disclosure includes devices, methods, and systems for determining the strategic value of a life insurance strategy at a future point in time. One device embodiment can include a...
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8175914 |
Automatic adjustment of advertiser bids to equalize cost-per-conversion among publishers for an advertisement
A learning model is built on a combination of advertiser, publisher and user data. The learning model can be applied to all advertisers in an advertising system. The learning model provides...
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8175898 |
Modular multi-coverage insurance products
The invention relates to methods and systems for creating and utilizing a modular multi-coverage insurance product. The modular multi-coverage insurance product includes a set of modular...
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8175899 |
Systems and methods for processing a request to repair or replace an item covered by insurance
A method of providing insurance to a customer that comprises the steps of: (1) selling a service contract to the customer that provides protection against the mechanical breakdown or other failure...
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8175971 |
Lifetime guaranteed income rider
Apparatus and methods for providing to a bank customer a guaranteed retirement distribution based on a retail bank product. An electronic processing module may be used to identify a value of an...
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8175897 |
Score based decisioning
The invention aids an entity operating on the Internet or on another network to selectively request additional data about a user who has made a request for an interaction with the entity. The...
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8175952 |
System and method for managing a group insurance policy
According to one embodiment, a method for managing a group life insurance policy with a plurality of certificates is provided. The group life insurance policy is at least partially funded by a...
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8176145 |
System and method for providing insurance data processing services via a user interface
A system architecture for providing remote access to insurance applications from a remote location is provided, including: a presentation layer located at the remote location that provides tools...
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8171487 |
Method for processing work items of a workflow system
A method for processing work items of a workflow system is done in the following manner. Information identifying work items from a server responsible for handling work items is retrieved based at...
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8170196 |
Developing interactive call center agent personas
A method, software and system of developing personalities for interactive and/or automated call center applications are provided. According to teachings of the present invention, sample population...
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8170892 |
System and method for establishing rates for an automobile insurance policy
Automobile insurance rates are established by performing calculations for defining a single tier placement dependent upon a combination of mutually exclusive factors based on applicant data. The...
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8170944 |
Customized performance benchmarks for stable value funds
Embodiments calculate a customized performance benchmark for a stable value fund by incorporating client-specific factors and calculating an overall crediting rate, as if the assets underlying the...
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8165902 |
Method and insurance platform for investment-type whole life insurance at autonomous interest rates
A method and insurance platform for whole life insurance implemented in the insurance field of financial e-commerce is provided. The present invention reflects the interactivity between a consumer...
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8165903 |
System, method and computer program product for facilitating informed decisions relating to family risk
A system, method, and computer program product embodied on a computer readable medium are provided. In use, an application is executed which is capable of performing decision logic. Further,...
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8165894 |
Fully automated health plan administrator
A system for fully automating the administration of a health plan. The system accepts inputs from enrollees, insureds, providers, insurers and vendors, but requires no physical data entry from the...
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8165953 |
System and method for creating and trading a derivative investment instrument over a range of index values
An investment instrument based on a range of index values is disclosed that allows investors to take risk positions relative to the size, or length, of the range. The investment instrument has a...
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8160902 |
System for facilitating life settlement transactions
A system and method for buying and selling life insurance policies includes an online database for storing information concerning in-force policies as needed for evaluation by a potential buyer....
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8160905 |
Method and apparatus for repricing a reimbursement claim against a contract
A method for repricing a reimbursement claim under at least one contract is provided herein. The method includes converting each contract into a series of contractual terms, where each contractual...
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8160904 |
System and method to provide process status update information
Disclosed are systems and methods to provide process status update information. The systems and methods provide techniques to communicate with a party about a process in which the party has an...
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8160952 |
Method and system for providing price protection related to the purchase of a commodity
Systems and methods described herein pertain to providing price protection programs related to the purchase of a commodity to a consumer. Embodiments of such a program may provide price protection...
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8160946 |
System and method for processing data related to a life insurance policy having an accelerated death benefit
A method for processing data related to a life insurance product having a death benefit amount payable to a beneficiary upon death of an insured includes receiving data indicative of certification...
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8160956 |
Insurance system and method for a high-risk asset purchaser or lessee
A method of financing a purchase or a lease a depreciating asset that includes determining a credit worthiness indication associated with a purchaser or lessee and establishing a finance contract...
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8160903 |
System and method for determining a premium for insurance for a security
A method for determining a premium for insuring a security comprising the steps of determining an insurance risk premium based upon a security to be insured, determining an expense and profit load,...
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8155984 |
Computerized method, apparatus and system for issuing surety bonds
A method, system and apparatus for obtaining a bond is disclosed. The Invention employs a computer system that has a work station in communication with a server to provide information on a...
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8156022 |
Method and system for providing price protection for commodity purchasing through price protection contracts
Systems and methods for the provisioning of price protection contracts which provide price protection against adverse fluctuations in the retail price of a commodity to a consumer are disclosed....
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8156166 |
Method and apparatus for selecting a doctor based on an observed experience level
Some embodiments of the present invention provide a system that facilitates the selection of a doctor for a user. The system provides a list of doctors to the user based on an observed experience...
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8155985 |
System and method using insurance for risk transference
Disclosed herein is a system and method for eliminating or transferring the non-economic risk of financial securities. The system and method serves to avoid non-economic losses in the first...
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8150714 |
System and method for providing healthcare-related services
A system and method for providing healthcare-related services according to which the healthcare-related services include, but are not limited to, health insurance benefit activation services and/or...
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8150715 |
Flexible varying premium option for combination products including long term care insurance
Flexible, varying long term care insurance programs for use as parts of combination long term care products are generated. Input variables such as issue age, targeted present value and year-to-year...
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8145508 |
System and method for funding an organization
A system and method and method for generating substantial net positive cash flows to fund organizations by initiating life insurance policies through asset-backed security transactions with no...
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8145510 |
Program for alternative funding of employee and retiree benefits
An insurance program for funding benefits by maintaining assets in the insurance program that includes an employer or employee owned trust account and at least one life insurance contract or...
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8145578 |
Aerial roof estimation system and method
A system that allows the remote measurement of the size, geometry, pitch and orientation of the roof sections of a building and then uses the information to provide an estimate to repair or replace...
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8145559 |
Methods and investment instruments for performing tax-deferred real estate exchanges
Methods and investment instruments for investing in real estate are described wherein a portfolio of investment real estate is divided into a plurality of tenant-in-common deeds of predetermined...
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8145507 |
Commercial insurance scoring system and method
A quantitative system and method that employs data sources external to an insurance company to generate a statistical model that may be used to more accurately and consistently predict commercial...
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8145500 |
Data processing system for accurately calculating a policyholder's discount in a medical insurance plan and a method therefor
A data processing system for accurately calculating a discount in a medical insurance plan comprises a premiums module adapted to access data regarding the amount of premiums paid by a policyholder...
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8145509 |
Corporate owned life insurance product with death benefits
A corporate owned life insurance product with death benefits (COLI-DB) that has no cash value and is minimally funded. The policy holder selects an election to mark to market accounting for life...
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8140358 |
Vehicle monitoring system
A data logging device tracks the operation of a vehicle or driver actions. The device includes a storage device, which may be removable or portable, having a first memory portion that may be read...
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