公开(公告)号：US11145001B1

公开(公告)日：2021-10-12

申请号：US16562543

申请日：2019-09-06

Applicant: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY

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.

公开(公告)号：US10460392B1

公开(公告)日：2019-10-29

申请号：US14699425

申请日：2015-04-29

Applicant: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY

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.