公开(公告)号：US5926800A

公开(公告)日：1999-07-20

申请号：US427405

申请日：1995-04-24

申请人： Walter Baronowski ,  Michael Feldstein ,  Robert Meenan ,  Victor Simone ,  David Weil ,  Andrew Young

发明人： Walter Baronowski ,  Michael Feldstein ,  Robert Meenan ,  Victor Simone ,  David Weil ,  Andrew Young

IPC分类号： G06Q40/00 ,  G06F17/60

CPC分类号： G06Q40/08 ,  G06Q40/00 ,  G06Q40/025

摘要： A system for providing loans to owners of life insurance policies who are terminally ill or aged. The system comprises a statistical module, medical module and a financial module which together operate on a preselected group of inputs to yield a line of credit offered to the policyholder. The system provides a line of credit line of credit to those insured under an insurance policy without transfer of ownership of the policy. The system determines eligibility and the line of credit for the insured. The system has an entering device for entering an insured's application data, including the insured's date of birth and the medical diagnosis of the insured, and for generating an output therefrom. The system also has a generating device for receiving the output from the entering device and for generating a function therefrom having a probability distribution describing the future life distribution of the insured and a computing device for receiving the function from the generating device and for computing the line of credit to be extended to the insured based upon the received function and financial assumptions. The owner retains ownership of the policy during his lifetime, and the insured has a line of credit extended as determined by the system.

摘要翻译： 为终身病或老年人寿保险的业主提供贷款的制度。 该系统包括统计模块，医疗模块和财务模块，它们一起在预选的输入组中进行操作以产生向投保人提供的信用额度。 该系统为保险单下的被保险人提供了一条信用额度信用额度，而不转让该政策的所有权。 系统确定被保险人的资格和信用额度。 该系统具有用于输入被保险人的应用数据的输入设备，包括被保险人的出生日期和被保险人的医疗诊断，以及从中产生输出。 该系统还具有一个生成装置，用于接收来自输入装置的输出，并用于从其产生具有描述被保险人的未来寿命分布的概率分布的功能和用于从生成装置接收该功能的计算装置，并计算该线 根据收到的功能和财务假设将信贷扩大到被保险人。 所有者在其一生中保留对该政策的所有权，被保险人根据系统确定延期的信用额度。