公开(公告)号：US20060122871A1

公开(公告)日：2006-06-08

申请号：US11213042

申请日：2005-08-25

申请人： Alex Cowley ,  Craig Sabal ,  Dmitry Noraev ,  Doug McBeth ,  Llewellyn Connolly ,  Martin Klein ,  Pradip Ghosh ,  Russ Hackmann

发明人： Alex Cowley ,  Craig Sabal ,  Dmitry Noraev ,  Doug McBeth ,  Llewellyn Connolly ,  Martin Klein ,  Pradip Ghosh ,  Russ Hackmann

IPC分类号： G06Q40/00

CPC分类号： G06Q40/08 ,  G06Q40/00

摘要： In one aspect, the invention comprises computer processors operable to identify a block of idealized policies, computer processors operable to calculate risk related to the block of idealized policies based on specified actuarial assumptions; and computer processors operable to provide a customized option designed to pay guaranteed minimum withdrawal benefits on the block of idealized policies; wherein the block of idealized policies is designed to replicate a current policy mix of an insurance company. In another aspect, the invention comprises computer processors operable to identify a block of idealized policies, computer processors operable to calculate risk related to the block of idealized policies based on specified actuarial assumptions; and computer processors operable to provide a reinsurance contract designed to pay guaranteed minimum death benefits on the block of idealized policies; wherein the block of idealized policies is designed to replicate a current policy mix of an insurance company.

摘要翻译： 一方面，本发明包括可操作以识别理想化策略块的计算机处理器，可操作以基于指定的精算假设来计算与理想化策略块相关的风险的计算机处理器; 以及计算机处理器，其可操作以提供定制的选项，其设计用于在理想化策略块上支付最低提款收益; 其中理想化策略的块被设计为复制保险公司的当前策略组合。 在另一方面，本发明包括可操作以识别理想化策略块的计算机处理器，可用于基于指定的精算假设来计算与理想化策略块相关的风险的计算机处理器; 以及计算机处理器，可操作地提供再保险合同，旨在为理想化政策的阻止支付最低的死亡保障金; 其中理想化策略的块被设计为复制保险公司的当前策略组合。