Pre-Grant Publication Number: 20090055227
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Patent/Application # US20050071202
The system uses an internal system for determining one or more operational factors associated with the vehicle, such as its geographic location, speed, acceleration, etc, in at least near real time, and recording the information in a database. From this information incremental insurance cost information is determined relating to the cost of insuring the vehicle for a predetermined time during, for example one day. The invention makes it possible for an operator to better gauge how driving habits and/or usage of the vehicle affect the cost of the insurance,
Patent/Application # US20070185743
There is disclosed a system that enables an efficient and flexible way to provide automated rating and underwriting based on a specific set of rules. The system includes a software running on a centralized or distributed computing system and accessing different databases. The software system can be access by insurance carriers and their agents located in one single location or distributed geographically.
Title Crump Launches Policy Application Summarization and Underwriting Services Through New Risk
Crump Life Insurance Services, a leading wholesale distributor of
insurance products in the United States, has launched Risk
Righter(TM), a new service that supplies summarization and electronic
delivery of life insurance policy application medical files and
associated documents to support the new business process.
Patent/Application # WO02084520
A system and a method…….involved in the underwriting of insurance applications by an …. management system website contactable by a user system, …………………., an electronic communication interface adapted to interface with the user's email facility and a report generation component adapted to generate various reports from the data wherein in operation,; by logging onto the website and following instructions provided, the user having access to the information and data can generate various reports on each client.
Patent/Application # 20020087364
This system enables an insurance company to underwrite an insurance policy based on relevant insurability information…for potential customers by accessing the system…. Insurability information includes medical records, medical claims that are typically maintained and accessed from a healthcare provider or other third party databases and other information provided by potential-customers. System retrieves and utilizes this information to produce an underwriting score or value…...The score is computed based on a formula that takes into consideration the importance of the information in determining mortality risk, and is subsequently used in determining whether or not to underwrite the policy and corresponding price.