公开(公告)号：US10460392B1

公开(公告)日：2019-10-29

申请号：US14699425

申请日：2015-04-29

Applicant: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY

Inventor： David Scott Etheridge ,  Andrew Patrick Wieduwilt ,  Jill A. Eberle ,  Carl R. Streily, Jr. ,  Randall P. Petersen ,  Amy R. Prestegaard ,  Larry J. Ingrum ,  Lori J. Kaufman ,  Alan R. Hendren ,  David A. Theile ,  Douglas K. Sorensen

IPC: G06Q40/08

Abstract: Methods, systems, apparatus, and non-transitory computer readable media are disclosed for providing a web-based application that allows a customer to submit relevant information for obtaining insurance policy products that may require medical underwriting. Various aspects allow a customer to use the web-based application for a variety of insurance products, which may include term, full, and/or universal life insurance policies. The web-based application simplifies the application process by filtering questions and/or prompts presented to the customer based upon a customer's specific needs, previous answers, and/or other information. Various aspects also include determining whether a customer qualifies for temporary or permanent life insurance coverage based upon a customer's information and/or answers to one or more knockout questions, and if so, providing the customer with a binding receipt of temporary insurance coverage upon payment for a period of time in which the underwriting may be completed.

公开(公告)号：US20210334903A1

公开(公告)日：2021-10-28

申请号：US14699110

申请日：2015-04-29

Applicant: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY

Inventor： David Scott Etheridge ,  Gregory K. Sheley ,  Andrew Patrick Wieduwilt ,  Jill A. Eberle ,  Carl R. Streily, JR. ,  Randall P. Petersen ,  Amy R. Prestegaard ,  Larry J. Ingrum ,  Lori J. Kaufman ,  Alan R. Hendren ,  David A. Theile ,  Douglas K. Sorensen

IPC: G06Q40/08

Abstract: Methods, systems, apparatus, and non-transitory computer readable media are disclosed for providing a common application that allows a customer to submit relevant information across various channels for obtaining insurance policy products. Various aspects include a common application that receives information entered by a customer via one or more customer channels, which may include online channels, call center channels, insurance agent channels, and/or any other suitable channels. Various aspects also include aggregating portions of the relevant customer's information while identifying the channel in which the information was received and information not yet collected to determine an appropriate insurance policy product. In this way, a common application is utilized to provide a full suite of insurance policy products to customers while allowing the customers to submit relevant information over any number of different channels.

公开(公告)号：US11145001B1

公开(公告)日：2021-10-12

申请号：US16562543

申请日：2019-09-06

Applicant: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY

Inventor： David Scott Etheridge ,  Andrew Patrick Wieduwilt ,  Jill A. Eberle ,  Carl R. Streily, Jr. ,  Randall P. Petersen ,  Amy R. Prestegaard ,  Larry J. Ingrum ,  Lori J. Kaufman ,  Alan R. Hendren ,  David A. Theile ,  Douglas K. Sorensen

IPC: G06Q40/08

Abstract: Methods, systems, apparatus, and non-transitory computer readable media are disclosed for providing a web-based application that allows a customer to submit relevant information for obtaining insurance policy products that may require medical underwriting. Various aspects allow a customer to use the web-based application for a variety of insurance products, which may include term, full, and/or universal life insurance policies. The web-based application simplifies the application process by filtering questions and/or prompts presented to the customer based upon a customer's specific needs, previous answers, and/or other information. Various aspects also include determining whether a customer qualifies for temporary or permanent life insurance coverage based upon a customer's information and/or answers to one or more knockout questions, and if so, providing the customer with a binding receipt of temporary insurance coverage upon payment for a period of time in which the underwriting may be completed.

公开(公告)号：US20150019265A1

公开(公告)日：2015-01-15

申请号：US14107621

申请日：2013-12-16

Applicant: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY

Inventor： Leif A. Roll ,  Vernon G. Brogla ,  Scott Hintz ,  Zupei Luo ,  Alan R. Hendren

IPC: G06Q40/08

CPC classification number: G06Q40/08 ,  G06Q40/06

Abstract: Methods and systems for bundling an insurance policy and an account of an investment vehicle include determining if the policy and/or the account is eligible for inclusion in a bundled product, generating an indication of the bundled product, and causing the indication to be transmitted to a user interface and/or computing device. The eligibility determination is based on a state or status of the policy and/or a state or status of the account, and optionally is based on characteristics and/or conditions associated with the policy and/or the account. A bundling benefit may be enacted. The bundling benefit may include, for example, a discount or waiver on a fee, charge or load of the investment account, and/or a discount or waiver of a premium of the insurance policy. The insurance policy may correspond to any type of insurance, and the investment account may correspond to any type of investment vehicle.

Abstract translation: 用于捆绑保险单和投资工具账户的方法和系统包括确定策略和/或账户是否有资格包含在捆绑产品中，生成捆绑产品的指示，并使该指示被发送到 用户界面和/或计算设备。 资格确定基于政策的状态或状态和/或帐户的状态或状态，并且可选地基于与策略和/或帐户相关联的特征和/或条件。 可以颁布捆绑利益。 捆绑利益可能包括例如对投资账户的费用，收费或负担的折扣或豁免，和/或保险单的保费的折扣或免除。 保险单可以对应于任何类型的保险，投资账户可以对应于任何类型的投资工具。

公开(公告)号：US20150019264A1

公开(公告)日：2015-01-15

申请号：US13941402

申请日：2013-07-12

Applicant: State Farm Mutual Automobile Insurance Company

Inventor： Leif A. Roll ,  Vernon G. Brogla ,  Scott Hintz ,  Zupei Luo ,  Alan R. Hendren

IPC: G06Q40/06

CPC classification number: G06Q40/08 ,  G06Q40/06

Abstract: Methods and systems for bundling an insurance policy and an account of an investment vehicle include determining if the policy and/or the account is eligible for inclusion in a bundled product, generating an indication of the bundled product, and causing the indication to be transmitted to a user interface and/or computing device. The eligibility determination is based on a state or status of the policy and/or a state or status of the account, and optionally is based on characteristics and/or conditions associated with the policy and/or the account. A bundling benefit may be enacted. The bundling benefit may include, for example, a discount or waiver on a fee, charge or load of the investment account, and/or a discount or waiver of a premium of the insurance policy. The insurance policy may correspond to any type of insurance, and the investment account may correspond to any type of investment vehicle.

Abstract translation: 用于捆绑保险单和投资工具账户的方法和系统包括确定策略和/或账户是否有资格包含在捆绑产品中，生成捆绑产品的指示，并使该指示被发送到 用户界面和/或计算设备。 资格确定基于政策的状态或状态和/或帐户的状态或状态，并且可选地基于与策略和/或帐户相关联的特征和/或条件。 可以颁布捆绑利益。 捆绑利益可能包括例如对投资账户的费用，收费或负担的折扣或豁免，和/或保险单的保费的折扣或免除。 保险单可以对应于任何类型的保险，投资账户可以对应于任何类型的投资工具。