-
1.
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.
-
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.
-
3.
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.
-
-