公开(公告)号：US20090204446A1

公开(公告)日：2009-08-13

申请号：US12366163

申请日：2009-02-05

Applicant: David Bruce Simon ,  Stuart Kent Cornew

Inventor： David Bruce Simon ,  Stuart Kent Cornew

IPC: G06Q40/00 ,  G06Q50/00

CPC classification number: G06Q40/08 ,  G06Q40/025

Abstract: Computer systems and a computer-implemented method for valuing a life insurance policy in which a policy valuation program stored on a computer readable medium includes a data collection module and a life expectancy adjustment module, and a policy valuation module. In operation, according to one embodiment, the policy valuation computer program is operative to receive information related to a life insurance policy, initiate the data collection module programmed to communicate with one or more remote data repositories to search for and retrieve data related to mortality indicators for the insured, initiate the life expectancy adjustment module programmed to correlate the retrieved mortality indicators against mortality information to calculate an expected change in life expectancy based on the change in mortality, and calculate a value for the life insurance policy based on the expected change in life expectancy using the policy valuation module.

Abstract translation: 计算机系统和计算机实现的用于估价人寿保险的方法，其中存储在计算机可读介质上的策略估价程序包括数据收集模块和预期寿命调整模块以及策略估价模块。 在操作中，根据一个实施例，策略估价计算机程序可操作以接收与人寿保险相关的信息，启动被编程为与一个或多个远程数据存储库通信的数据收集模块，以搜索和检索与死亡指示相关的数据 对于被保险人，启动预期寿命调整模块，将所检索的死亡指标与死亡率信息相关联，以根据死亡率变化计算预期寿命的预期变化，并根据预期的变化计算人寿保险的价值 预期寿命使用政策评估模块。