公开(公告)号：US20070021986A1

公开(公告)日：2007-01-25

申请号：US11456930

申请日：2006-07-12

申请人： Malcolm Cheung ,  Robert Fishbein ,  Jacob Herschler ,  N. Kuperstock ,  Robert O'Donnell ,  Steven Putterman

发明人： Malcolm Cheung ,  Robert Fishbein ,  Jacob Herschler ,  N. Kuperstock ,  Robert O'Donnell ,  Steven Putterman

IPC分类号： G06Q40/00

CPC分类号： G06Q40/08 ,  G06Q30/00 ,  G06Q40/00

摘要： According to one embodiment of the invention, a benefits contract includes an agreement to provide a plurality of benefits for at least one person. The agreement provides for an account including a plurality of units. Each unit is associated with multiple benefits. For example each unit may be associated with multiple benefits such as life insurance, health insurance, supplemental health insurance, long-term care insurance, short-term disability insurance, long-term disability insurance, prescription drug insurance, a plurality of income payments, a withdrawal benefit, an annuity, a property and casualty benefit, or other similar benefits. The agreement is such that a person associated with the benefits contract may choose to exercise a particular unit, or fraction thereof, to receive only one of the three or more benefits; and such that the benefits account (or plurality of units) may be purchased tax-free using funds from a tax-deferred retirement account.

摘要翻译： 根据本发明的一个实施例，福利合同包括为至少一个人提供多个益处的协议。 该协议规定了包括多个单位的帐户。 每个单位都有多个好处。 例如，每个单位可能与人寿保险，健康保险，补充健康保险，长期护理保险，短期残疾保险，长期残疾保险，处方药保险，多项收入付款， 退休福利，年金，财产和伤亡福利或其他类似福利。 该协议是指与利益合同有关的人可以选择行使特定单位或其分数，以仅获得三种或更多福利中的一种; 并且可以使用递延退休账户中的资金免税购买利益账户（或多个单位）。

公开(公告)号：US20070100715A1

公开(公告)日：2007-05-03

申请号：US11404979

申请日：2006-04-14

申请人： Robert O'Donnell ,  Marc Buzzelli ,  Robert Fishbein ,  Jacob Herschler ,  Fiona Jackman-Ward ,  Daniel Kane ,  N. Kuperstock ,  Gary Phifer ,  Steven Putterman ,  Polly Rae ,  Dain Runestad ,  Robert Schwartz ,  Christopher Shecklev

发明人： Robert O'Donnell ,  Marc Buzzelli ,  Robert Fishbein ,  Jacob Herschler ,  Fiona Jackman-Ward ,  Daniel Kane ,  N. Kuperstock ,  Gary Phifer ,  Steven Putterman ,  Polly Rae ,  Dain Runestad ,  Robert Schwartz ,  Christopher Shecklev

IPC分类号： G06Q40/00

CPC分类号： G06Q40/06 ,  G06Q40/00

摘要： A method for providing a financial instrument includes determining an initial account balance associated with a financial instrument based upon an initial deposit amount, wherein the financial instrument includes an account with an account balance that changes over time. The method further includes establishing a first guarantee of a protected value, the protected value including at least an amount based upon the initial account balance growing at a minimum growth rate for a defined period of time or until one or more defined events occur, whichever is sooner; and establishing a second guarantee that a beneficiary may periodically receive a transfer of an amount of money for the life of a designated party, wherein the amount comprises a percentage of the protected value at the time of a particular event, provided that the amount may vary based upon withdrawals from the account in excess of a first particular limit.

摘要翻译： 提供金融工具的方法包括基于初始存款金额来确定与金融工具相关联的初始账户余额，其中金融工具包括具有随时间变化的账户余额的账户。 该方法还包括建立受保护价值的第一保证，所述受保护价值至少包括基于初始账户余额的金额，所述初始账户余额以规定的时间段内的最小增长率生长，或者直到一个或多个定义的事件发生，以 早点 并确定受益人可以定期在指定方的生命中接收一笔金额的转移的第二保证，其中所述金额包括在特定事件发生时受保护价值的百分比，条件是金额可能变化 基于超过第一特定限额的帐户提款。