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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
Inventor： Leif Agerholm Roll
IPC: G06Q40/08
Abstract: 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
Inventor： Leif Agerholm Roll
IPC: G06Q40/08
Abstract: 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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公开(公告)号：US11574368B1
公开(公告)日：2023-02-07
申请号：US16892500
申请日：2020-06-04
Inventor： Leif Agerholm Roll , Craig Dean Isaacs , Eric Webster , Gregory L. Hayward
Abstract: Multiple insurance policies may be grouped or segmented into affinity groups, each of which corresponds to a respective risk level. A set of one or more financial instruments corresponding to a particular affinity group of insurance policies may be created and offered. One or more parties may be procured as investors in at least a portion of the set of financial instruments, thereby securitizing the risk associated with the insurance policies. Profits and/or losses generated by the insurance policies of the affinity group corresponding to the financial instruments may be distributed in accordance with the terms of the financial agreement.
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公开(公告)号：US11501382B1
公开(公告)日：2022-11-15
申请号：US17024839
申请日：2020-09-18
Inventor： Andrew Patrick Wieduwilt , Leif Agerholm Roll
Abstract: 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：US20220012811A1
公开(公告)日：2022-01-13
申请号：US16853691
申请日：2020-04-20
Inventor： Leif Agerholm Roll , Eric Webster , Gregory Hayward , Craig Dean Isaacs
Abstract: Techniques for obtaining and/or maintaining insurance coverage include receiving insurance policy preferences for a customer, storing the insurance policy preferences in a customer profile database, and using the insurance policy preferences to automatically obtain a first insurance policy from a first insurance provider, where the first insurance policy has (i) first policy features, and (ii) a first premium corresponding to a first policy term. Automatically obtaining the first insurance policy includes receiving, from each of a plurality of insurance provider computer systems associated with the plurality of respective insurance providers, a quote indicating one or more policy features corresponding to a policy term, selecting one of the quotes from the plurality of respective insurance providers based on the one or more policy features for the quote and the insurance policy preferences for the customer, and notifying the customer of the first insurance provider and the first premium.
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Patent Agency Ranking
公开(公告)号：US20210358045A1
公开(公告)日：2021-11-18
申请号：US14871230
申请日：2015-09-30
Inventor： Leif Agerholm Roll , Andrew Patrick Wieduwilt
Abstract: When results of a medical diagnostic examination performed on a patient are initially or newly generated and stored into a medical diagnostic provider system, procurement of binding quotes for health-related insurance that requires a medical diagnostic exam to be performed on potential insured parties may be automatically initiated or triggered. Procurement of binding quotes may include, with customer or patient permission, generation of a health profile of the patient based upon the examination results, provision of the health profile to one or more insurance providers (e.g., using an online auction), reception of one or more binding quotes from at least some of the insurance providers, and acceptance of one of the binding quotes on behalf of the patient, thereby entering into a binding contract for insurance. Using the techniques disclosed herein, the patient may automatically be provided with approved health-related insurance coverage upon completion of his or her medical examination.
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公开(公告)号：US20210357481A1
公开(公告)日：2021-11-18
申请号：US14871170
申请日：2015-09-30
Inventor： Andrew Patrick Wieduwilt , Leif Agerholm Roll
IPC: G06F19/00
Abstract: When results of a medical diagnostic examination performed on a patient are initially or newly generated and stored into a medical diagnostic provider system, procurement of binding quotes of types of insurance that require a medical diagnostic exam to be performed and for which the patient is an insured party may be automatically initiated or triggered. Procurement of binding quotes may include, with customer or patient permission, generation of a health profile of the patient based upon the exam results, provision of the health profile to insurance providers (e.g., using an online auction), reception of binding quotes from at least some of the insurance providers, and acceptance of one of the binding quotes on behalf of the patient, thereby entering into a binding contract for insurance. Using the techniques disclosed herein, the patient may automatically be provided with approved insurance coverage upon completion of his or her medical examination.
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公开(公告)号：US20210133885A1
公开(公告)日：2021-05-06
申请号：US14871341
申请日：2015-09-30
Inventor： Leif Agerholm Roll , Andrew Patrick Wieduwilt
Abstract: Techniques for procuring insurance based upon medical diagnostic examinations may include, with a patient's or customer's permission or consent, auctioning a health profile of the patient or customer, including providing the customer's health profile to one or more insurance providers and receiving one or more bids. A winning bid may be selected, and based upon the winning bid, and existing insurance policy of the customer may be updated, or a new insurance policy with a customer may be established. When the customer's health profile changes, updated insurance or new insurance may automatically be provided to the customer. Using the techniques disclosed herein, patients who have undergone medical examinations may be automatically provided with insurance for which they have been pre-approved and that has a competitive cost, as well as more accurately reflects the patient's risk profile. As a result, insurance or other cost savings may be provided to customers.
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公开(公告)号：US10817949B1
公开(公告)日：2020-10-27
申请号：US14871273
申请日：2015-09-30
Inventor： Andrew Patrick Wieduwilt , Leif Agerholm Roll
Abstract: 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：US20230143195A1
公开(公告)日：2023-05-11
申请号：US18150973
申请日：2023-01-06
Inventor： Leif Agerholm Roll , Craig Dean Isaacs , Eric Webster , Gregory L. Hayward
Abstract: A set of one or more financial instruments corresponding to a particular affinity group of insurance policies may be created and offered. One or more parties may be procured as investors in at least a portion of the set of financial instruments, thereby securitizing the risk associated with the insurance policies. Profits and/or losses generated by the insurance policies of the affinity group corresponding to the financial instruments may be distributed in accordance with the terms of the financial agreement.
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