- 专利标题: Prioritization of insurance requotations
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申请号: US16675430申请日: 2019-11-06
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公开(公告)号: US11810196B1公开(公告)日: 2023-11-07
- 发明人: Alexander Doyle , Ryan Dunn , Cristina I. Gheorghe , Eric Huls , Michael A. Lavigne , David MacInnis , Christopher Joseph DeCleene
- 申请人: Allstate Insurance Company
- 申请人地址: US IL Northbrook
- 专利权人: Allstate Insurance Company
- 当前专利权人: Allstate Insurance Company
- 当前专利权人地址: US IL Northbrook
- 代理机构: Polsinelli PC
- 主分类号: G06Q40/08
- IPC分类号: G06Q40/08
摘要:
A computer-assisted method for providing re-quotations for insurance coverage may include receiving a list of insurance leads corresponding to individuals who received a previous quotation for insurance coverage but did not purchase the insurance coverage and identifying a difference between the previous quotation and a new quotation. This difference may include an increase in offered insurance coverage and/or a reduction in cost. A computing device may calculate a probability for each of the individuals on the list using a regression model based, at least in part, on the identified difference. In some cases, the regression model may be associated with individual states. In other cases, the regression model may correspond to a plurality of states. The regression model may output a probability that a resident of a particular state will purchase insurance in response to a re-quotation for insurance coverage, where individuals may then be ranked based on the probability.
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