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公开(公告)号：US20220092698A1
公开(公告)日：2022-03-24
申请号：US16874155
申请日：2020-05-14
Inventor： Leif Agerholm Roll , Scott Alexander Hintz , Andrew Patrick Wieduwilt
Abstract: 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：US20230032514A1
公开(公告)日：2023-02-02
申请号：US17963023
申请日：2022-10-10
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：US20220156841A1
公开(公告)日：2022-05-19
申请号：US16725837
申请日：2019-12-23
Inventor： Leif Agerholm Roll , Scott Alexander Hintz , Andrew Patrick Wieduwilt
Abstract: 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：US12223550B2
公开(公告)日：2025-02-11
申请号：US17963023
申请日：2022-10-10
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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5.发明授权公开(公告)号：US10460392B1
公开(公告)日：2019-10-29
申请号：US14699425
申请日：2015-04-29
Inventor： David Scott Etheridge , Andrew Patrick Wieduwilt , Jill A. Eberle , Carl R. Streily, Jr. , Randall P. Petersen , Amy R. Prestegaard , Larry J. Ingrum , Lori J. Kaufman , Alan R. Hendren , David A. Theile , Douglas K. Sorensen
IPC: G06Q40/08
Abstract: Methods, systems, apparatus, and non-transitory computer readable media are disclosed for providing a web-based application that allows a customer to submit relevant information for obtaining insurance policy products that may require medical underwriting. Various aspects allow a customer to use the web-based application for a variety of insurance products, which may include term, full, and/or universal life insurance policies. The web-based application simplifies the application process by filtering questions and/or prompts presented to the customer based upon a customer's specific needs, previous answers, and/or other information. Various aspects also include determining whether a customer qualifies for temporary or permanent life insurance coverage based upon a customer's information and/or answers to one or more knockout questions, and if so, providing the customer with a binding receipt of temporary insurance coverage upon payment for a period of time in which the underwriting may be completed.
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Patent Agency Ranking
公开(公告)号：US20250148543A1
公开(公告)日：2025-05-08
申请号：US19013644
申请日：2025-01-08
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：US20210334903A1
公开(公告)日：2021-10-28
申请号：US14699110
申请日：2015-04-29
Inventor： David Scott Etheridge , Gregory K. Sheley , Andrew Patrick Wieduwilt , Jill A. Eberle , Carl R. Streily, JR. , Randall P. Petersen , Amy R. Prestegaard , Larry J. Ingrum , Lori J. Kaufman , Alan R. Hendren , David A. Theile , Douglas K. Sorensen
IPC: G06Q40/08
Abstract: Methods, systems, apparatus, and non-transitory computer readable media are disclosed for providing a common application that allows a customer to submit relevant information across various channels for obtaining insurance policy products. Various aspects include a common application that receives information entered by a customer via one or more customer channels, which may include online channels, call center channels, insurance agent channels, and/or any other suitable channels. Various aspects also include aggregating portions of the relevant customer's information while identifying the channel in which the information was received and information not yet collected to determine an appropriate insurance policy product. In this way, a common application is utilized to provide a full suite of insurance policy products to customers while allowing the customers to submit relevant information over any number of different channels.
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8.发明授权公开(公告)号：US11145001B1
公开(公告)日：2021-10-12
申请号：US16562543
申请日：2019-09-06
Inventor： David Scott Etheridge , Andrew Patrick Wieduwilt , Jill A. Eberle , Carl R. Streily, Jr. , Randall P. Petersen , Amy R. Prestegaard , Larry J. Ingrum , Lori J. Kaufman , Alan R. Hendren , David A. Theile , Douglas K. Sorensen
IPC: G06Q40/08
Abstract: Methods, systems, apparatus, and non-transitory computer readable media are disclosed for providing a web-based application that allows a customer to submit relevant information for obtaining insurance policy products that may require medical underwriting. Various aspects allow a customer to use the web-based application for a variety of insurance products, which may include term, full, and/or universal life insurance policies. The web-based application simplifies the application process by filtering questions and/or prompts presented to the customer based upon a customer's specific needs, previous answers, and/or other information. Various aspects also include determining whether a customer qualifies for temporary or permanent life insurance coverage based upon a customer's information and/or answers to one or more knockout questions, and if so, providing the customer with a binding receipt of temporary insurance coverage upon payment for a period of time in which the underwriting may be completed.
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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
Inventor： Leif Agerholm Roll , Scott Alexander Hintz , Andrew Patrick Wieduwilt
Abstract: 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：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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