Insurance

CROP QUALITY INSURANCE

A method for providing insurance includes providing a bundle of products and services to a crop producer, the bundle of products and services comprising seed products and insurance. The insurance provides a benefit to the crop producer if grain grown from the seed products does not meet or exceed a crop quality threshold. The method further includes determining if crop grown from the seed products meets or exceeds the crop quality threshold and if the crop does not meet or exceed the crop quality threshold, providing the benefit to the crop producer according to the insurance. The benefit may be a cash benefit or a seed credit. The crop quality may be related to a particular end use for the grain such as ethanol production, food production, or use as a livestock feed.

System and method for reconciling an insurance payment with an insurance claim

Disclosed herein is a method for reconciling an insurance payment to an entity, such as a pharmacy, with an insurance claim made by the entity. Some embodiments of the method comprise providing a claim value belonging to a set of claim values, providing a claim identification value associated with the claim value and belonging to a set of claim identification values, providing a payment value belonging to a set of payment values, providing a payment identification value associated with the payment value and belonging to a set of payment identification values and, where the payment identification value and the claim identification value correspond to each other, matching the payment value with the claim value. Additional systems and methods are also disclosed herein.

System and method for the assessment, pricing, and provisioning of distance-based vehicle insurance

A system and method for assessing, pricing, and provisioning distance-based vehicle insurance are provided. In one example, the method receives identification information of a customer and an associated vehicle, and a current odometer reading. Multiple coverage types are provided to the customer, as is at least one quote when the customer selects one of the coverage types. The quote includes a policy rate identifying a cost per distance unit based on the identification information. The customer is provided with multiple items based on the quote, where each item includes a total number of distance units for purchase at the policy rate. An insurance policy may be purchased in response to the customer selecting one of the items. The insurance policy's coverage is based on an expiration odometer value defined as the sum of the current odometer reading and the total number of distance units included in the selected item.

WORKERS COMPENSATION SYSTEM FOR DETERMINING A COST OF INSURANCE

A system for monitoring a business's operational characteristics and employee classifications, in real time, to obtain increased amounts of data relating to the total compensation for purposes of providing a more accurate determination of a cost of insurance for the risk, on a real-time basis, and to bill such charges directly to the risk according to their unique finance plan in direct relation to their payroll cycle.

Method and system to recommend insurance plans

A system and method are provided to recommend at least one insurance plan (e.g., a health insurance plan) to a user via a computer network. In an embodiment, the method includes presenting at least one question to a user via a client device. The question may be for identification of at least one insurance plan and an answer to the question. A database may be investigated to identify a subsequent question associated with the answer provided to the first question by the user, wherein the subsequent question also being for identification of the at least one insurance plan. Thereafter, the subsequent question is presented to the user and a subsequent answer to the subsequent question is then received. Investigating the database to identify a subsequent question and receiving the subsequent answer is iteratively performed in a dynamic and interactive way to identify the at least one insurance plan.

Insurance claim association method and apparatus

A computer-based insurance claim processing system (500) provides for the formation and segregated storage of associations (510) that link various active insurance claims (506) to one another. In addition, if desired, the associations can comprise additional information regarding, for example, the nature or type of association and/or other information as a user may wish to include to inform, control, or otherwise characterize the association and/or the associated claims.

Vehicle insurance status display system

A Vehicle Insurance Status Display System (VISDS) method and system of providing readily perceivable access to selected key information regarding the insurance status of a vehicle. The VISDS provides an at least partially symbolized representation of the germane informational content of a vehicle owner's manner of insuring that vehicle in accordance with the relevant laws of the relevant jurisdiction that the vehicle is registered in. The at least partially symbolized representation is prepared in the form of a display for exhibiting on the vehicle. The manners of symbolizing utilize perception facilitating modes to enhance the readiness of perception of the selected key information, and in particular the germane informational content of the insurance status date for that vehicle, which is the date through which the vehicle is properly insured.

System and method for allocating investor wealth to at least one risky asset and life insurance

A system and method for allocating an investor's wealth to at least one risky asset and life insurance includes retrieving a profile of the investor. The financial capital available to the investor and a human capital value for the investor are determined. An objective function value for the investor is determined and maximized. An amount of the investor's wealth is allocated to the at least one risky asset and to life insurance.

LIFE INSURANCE INVESTMENT FUND

A method of funding and managing at least one fund of a plurality of diverse life insurance policies issued by a plurality of investment grade carriers, the at least one fund providing enhanced risk adjusted investment return. The method performing the steps of: selecting the plurality of life insurance policies for the at least one fund without underwriting on the lives of the insured of each life insurance policy; acquiring the selected plurality of life insurance policies for the at least one fund; and managing the fund to maximize a financial risk adjusted investment rate of return that provides equity level returns with fixed income asset exposure.

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