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公开(公告)号：US20220215476A1
公开(公告)日：2022-07-07
申请号：US16910687
申请日：2020-06-24
Inventor： Leif Agerholm Roll , Jeff McCarty , Craig Dean Isaacs , Kelli Taylor , Sara Frankowiak
Abstract: A computer-implemented method includes dividing consumers into multiple affinity groups based upon characteristics and preferences of the consumers, at least by analyzing the characteristics and/or preferences using a machine learning model. The method also includes auctioning an opportunity to provide insurance for one or more of the affinity groups, receiving one or more bids for purchase and/or offers of insurance for the one or more of the affinity groups, and accepting a winning bid. The method further includes causing individual insurance policies or a group insurance policy to be provide to or updated for consumers associated with a particular affinity group corresponding to the winning bid, thereby providing lower cost insurance and/or insurance that is more reflective of actual risk, or lack thereof, for the consumers associated with the particular affinity group
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公开(公告)号：US20220245727A1
公开(公告)日：2022-08-04
申请号：US16910702
申请日：2020-06-24
Inventor： Leif Agerholm Roll , Jeff McCarty , Craig Dean Isaacs , Kelli Taylor , Sara Frankowiak
Abstract: A computer-implemented method includes dividing insurance policies into multiple policy groups based at least upon one or more characteristics of the insurance policies and/or consumers, auctioning an opportunity to reinsure at least a portion of liabilities associated with one or more of the policy groups, receiving one or more bids for purchase and/or offers of reinsurance for the policy groups, accepting a winning bid of the one or more bids, and causing reinsurance to be provided for insurance policies associated with a particular policy group corresponding to the winning bid, thereby providing lower cost reinsurance and/or reinsurance that is more reflective of actual risk associated with the policies in the particular policy group.
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