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公开(公告)号：US20230032514A1
公开(公告)日：2023-02-02
申请号：US17963023
申请日：2022-10-10
摘要： Techniques for initiating offers for insurance based upon medical diagnostic examinations may include, for each of a plurality of stored examination results: with a patient's or customer's affirmative consent or permission, (1) determining a health profile of a respective patient; (2) determining, based upon contents of the health profile, whether or not the patient is eligible for one or more offers of insurance; (3) providing the health profile of an eligible patient to one or more insurance providers; and/or (4) receiving one or more insurance offers that include binding quotes for insurance. Using the techniques disclosed herein, patients who have undergone medical examinations may be automatically selected and provided with insurance offers for which they have been pre-approved. The insurance offers may include binding quotes for insurance coverage. As a result, insurance or other cost savings may be provided to patients or other customers (e.g., parents of young patients).
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公开(公告)号：US20220156841A1
公开(公告)日：2022-05-19
申请号：US16725837
申请日：2019-12-23
摘要： The techniques disclosed herein generally relate to providing insurance via an integrated investment and insurance account. An integrated account may have an owner, and may include an investment vehicle portion and an insurance policy portion. The investment vehicle portion may include or be associated with one or more investment vehicles via which the account owner may invest money and, based on the invested funds, the insurance policy portion may provide insurance for which the account owner is designated as the insured party. Premiums for the insurance policy portion may be borne by the operating expenses of the investment vehicle portion. Additionally, a payout or benefit amount of the insurance provided by such integrated accounts may be based on the value of accumulated assets under management of the investment vehicle portion at the time of the payout.
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公开(公告)号：US20220012812A1
公开(公告)日：2022-01-13
申请号：US16853693
申请日：2020-04-20
摘要： Techniques for obtaining and/or maintaining insurance coverage include receiving customer information for customers including insurance policy preferences or characteristics for each customer. These techniques further include grouping the customers into affinity groups by generating a set of preferences or characteristics for each affinity group, comparing the insurance policy preferences or characteristics for each customer to the set of preferences or characteristics for each affinity group, and assigning a customer to an affinity group in response to determining that at least a threshold number of insurance policy preferences or characteristics for the customer matches the set of preferences or characteristics for the affinity group. For at least one affinity group, an insurance provider is selected for providing an insurance policy to each of the customers in the affinity group, and each of the customers in the affinity group is notified of the selected insurance provider and the premium.
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公开(公告)号：US11354750B1
公开(公告)日：2022-06-07
申请号：US16853711
申请日：2020-04-20
摘要： Blockchain techniques for providing insurance to an affinity group may include an enforcement server that receives a plurality of bidding actions (e.g., bid or no-bid) from a plurality of bidding entities in response to an auction of an opportunity to provide insurance for members of the affinity group. The server may compile transactions corresponding to the received bidding actions into a block of transactions (e.g., a round of bidding), distribute the block of transactions to validation entities to form a consensus on the highest bid, and update copies of a distributed ledger with the block of transactions. The server may identify a winning bid and provide affinity group member data to the winning bidding entity, thereby providing consumers with lower cost insurance and/or insurance that is more reflective of actual risk (or lack thereof). The affinity group may be updated over time and re-auctioned using the blockchain techniques.
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公开(公告)号：US20210358046A1
公开(公告)日：2021-11-18
申请号：US15704350
申请日：2017-09-14
发明人： Leif Agerholm Roll
IPC分类号： G06Q40/08
摘要： An entity may act, e.g., on behalf of consumers and/or providers of Autonomous Vehicles (AVs) to find insurance policy rates and/or other features that best or optimally meet AV insurance requirements and/or preferences. Based upon analyses of individual consumer and/or AV characteristics and/or insurance preferences, each consumer and/or each AV may be grouped with other insurance consumers and/or AVs having similar characteristics and/or insurance preferences. The AV insurance groupings may be offered for sale, e.g., through an online auction. When a winning bid for a particular AV insurance grouping is accepted, the insurance policies of the consumers and/or for the AVs corresponding to the particular AV grouping may be updated or new insurance policies may be provided, thereby providing consumers and/or providers of AVs with lower cost insurance and/or insurance that is more reflective of actual risk, or lack thereof. The AV insurance groups may be updated and re-auctioned.
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公开(公告)号：US10552912B1
公开(公告)日：2020-02-04
申请号：US14528446
申请日：2014-10-30
摘要： The techniques disclosed herein generally relate to providing insurance via an integrated investment and insurance account. An integrated account may have an owner, and may include an investment vehicle portion and an insurance policy portion. The investment vehicle portion may include or be associated with one or more investment vehicles via which the account owner may invest money and, based on the invested funds, the insurance policy portion may provide insurance for which the account owner is designated as the insured party. Premiums for the insurance policy portion may be borne by the operating expenses of the investment vehicle portion. Additionally, a payout or benefit amount of the insurance provided by such integrated accounts may be based on the value of accumulated assets under management of the investment vehicle portion at the time of the payout.
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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
摘要： 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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公开(公告)号：US20210326991A1
公开(公告)日：2021-10-21
申请号：US15704339
申请日：2017-09-14
发明人： Leif Agerholm Roll
摘要： An intermediary entity may act on behalf of consumers to find Usage-Based Insurance (UBI) that best or optimally meet the consumers' UBI preferences and/or characteristics. Based upon an analysis of individual UBI consumer characteristics and/or preferences, each individual UBI consumer may be grouped with other UBI consumers having similar characteristics and/or UBI preferences. The UBI groupings of consumers may be offered for sale, such as through an online auction. When a winning bid is accepted for a particular UBI grouping, the UBI policies of the consumers associated with the particular UBI grouping may be updated or new UBI policies may be provided thereto, thereby providing lower cost UBI and/or UBI that is more reflective of actual risk (or lack thereof) to the insureds associated with the particular UBI grouping. The UBI consumer groupings may be updated over time and re-auctioned.
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公开(公告)号：US20210166320A1
公开(公告)日：2021-06-03
申请号：US14868864
申请日：2015-09-29
发明人： Leif Agerholm Roll
IPC分类号： G06Q40/08
摘要： In a computer-implemented method, customer information may be received. The customer information may be used, with the customer's permission, to automatically obtain for the customer a first insurance policy from a first insurance provider, the first insurance policy having first policy features and a first premium corresponding to a first policy term. The customer may be notified of the first insurance provider and the first premium. In response to automatically determining that the first policy term is nearing expiration, the customer information may be used, again with customer permission, to automatically obtain for the customer a second insurance policy from a second insurance provider, the second insurance policy having second policy features and a second premium corresponding to a second policy term subsequent to the first policy term. The customer may be presented the second insurance policy via wireless communication on their mobile device for their review and approval.
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公开(公告)号：US10949928B1
公开(公告)日：2021-03-16
申请号：US16679768
申请日：2019-11-11
发明人： Leif Agerholm Roll
IPC分类号： G06Q40/08
摘要： An intermediary entity may act on behalf of consumers to find policy rates and/or other features that best meet the consumers' insurance requirements and/or preferences. For instance, consumers may give affirmative consent or otherwise opt into a program that provides insurance cost savings or discounts. Based upon an analysis of individual consumer characteristics and/or insurance preferences, each individual consumer may be grouped with other insurance consumers having similar characteristics and/or insurance preferences. The insurance consumer groupings may be offered for sale, such as through an online auction. When a winning bid is accepted, the insurance policies of the consumers may be updated or new policies may be provided and/or presented to individual consumers for their approval, thereby providing consumers with lower cost insurance and/or insurance that is more reflective of actual risk (or lack thereof). The consumer groups may be updated over time and re-auctioned.
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