WO2011071562A1 - Methods of selling endowment policies - Google Patents

Methods of selling endowment policies Download PDF

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Publication number
WO2011071562A1
WO2011071562A1 PCT/US2010/041692 US2010041692W WO2011071562A1 WO 2011071562 A1 WO2011071562 A1 WO 2011071562A1 US 2010041692 W US2010041692 W US 2010041692W WO 2011071562 A1 WO2011071562 A1 WO 2011071562A1
Authority
WO
WIPO (PCT)
Prior art keywords
individual
endowment
policy
policies
purchase
Prior art date
Application number
PCT/US2010/041692
Other languages
English (en)
French (fr)
Inventor
David Joseph Fier
Original Assignee
Nestec S.A.
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Priority to EP10740055.8A priority Critical patent/EP2510481A4/en
Application filed by Nestec S.A. filed Critical Nestec S.A.
Priority to SG2012042594A priority patent/SG181612A1/en
Priority to NZ600895A priority patent/NZ600895A/xx
Priority to CA2783856A priority patent/CA2783856A1/en
Priority to US13/514,846 priority patent/US20130096958A1/en
Priority to AU2010328675A priority patent/AU2010328675A1/en
Priority to CN2010800610638A priority patent/CN102713961A/zh
Priority to MX2012006708A priority patent/MX2012006708A/es
Priority to BR112012014078A priority patent/BR112012014078A2/pt
Priority to JP2012543090A priority patent/JP2013513855A/ja
Publication of WO2011071562A1 publication Critical patent/WO2011071562A1/en
Priority to IN5157DEN2012 priority patent/IN2012DN05157A/en
Priority to ZA2012/05133A priority patent/ZA201205133B/en

Links

Classifications

    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/08—Insurance
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00—Commerce

Definitions

  • the present disclosure is directed to sales and marketing. More specifically, the present disclosure is directed to methods of selling endowment policies and funding education.
  • An endowment policy Is a .type- of life insurance policy designed to pay a lump sum after a specified term (on its "maturity") or on earlier death of the insured.
  • the present disclosure is directed to methods, of selling endowment policies .and methods of funding a college or other type of education with endowment policies, in a general embodiment, the method of selling endowment policies comprises selling a first endowment policy to an individual, allowing the individual t purchase one or more additional endowment policies at the same price as the first endowment policy, and reminding the individual of the right to purchase additional endowment policies.
  • the reminder is a process including premium notices, email statements, mail statements or a combination thereof, The reminder can he on an annual or a semi-annual basis.
  • the present disclosure provides a method of selling endowment policies, The method comprises selling a first endowment policy to an individual for funding an education of a second individual and maintaining a database in a computer of relevant information including premium price, date of purchase, and individual information. The method farther comprises allowing the individual to purchase one or more additio al endowment policies at the same price as the first endowment policy for funding the education of the second individual, generally using the database as a reminder for the individual of the right to purchase the additional endowment policies, and sending the reminder to the ⁇ individual
  • the individual will he allowed to purchase up to a maximum of four additional ndowm nt policies at the same price as the first endowment policy.
  • Each of the endowment policies can insure the same beneficiary.
  • the present disclosure provides a method of selling endowment policies comprising determining whether an. individual qualifies for a first endowment policy based on a blood profile, a home office specimen, and/or physical examination. The method further comprises selling the first endowment policy to the individual if the individual qualifies, allowing the individual to purchase one or more additional endowment policies at the same price or different price as the first endowment policy, and reminding the individual using an automatic computer generated reminder of the right to purchase additional endowment policies.
  • the present disclosure provides a computer implemented method of selling endowment policies.
  • Die method comprises providing an interface for an individual to enter information about the individual and a first endowment policy and determining whether die individual qualifies for the first endowment policy using a computer process configured to process the information.
  • the method further comprises selling the first endowment policy to an individual if the individual qualifies, allowing the individual to purchase one or more additional endowment policies at the same price or different price as the first endowment policy, and reminding the individual using aa automatic computer generated reminder of the right to purchase additional endowment policies.
  • the interface is part of a computer.
  • the computer is connected to a central processing station.
  • the reminding can be done by a process such as premium notices, email statements, mail statements or a combination thereof,
  • the risk factor can include age, heart condition, cancer, diabetes, drug use. alcohol use, blood pressure, mental disorder, nervous disorder, blood disorder, kidney condition, lung condition, intestine condition, criminal history or a combination thereof.
  • t e present disclosure provides a method of funding a college education of an individual such as a child, grandchild, nephew, niece, etc.
  • the method comprises purchasing a first endowment policy to fund an individual's college education, obtainin the right with the first endowment policy to purchase one o more additional endowment policies at the same price for a number of years to fund the individual's college education, receiving automatic computer generated reminders of the right to purchase the additional endowment policies, and purchasing an additional endowment in response to the automatic computer generated reminders,
  • An advantage of the present disclosure is to provide an improved method of selling endowment policies.
  • Another advantage of the present disclosure is to provide an improved method of multiple endowment policies
  • Yet another advantage of the present disclosure is to provide a method of funding an education using endowment policies.
  • Figure i is schematic diagram of an exemplary computer device for implementing the method of selling endowment policies in an embodiment.
  • the present disclosure is directed to methods of selling endowment policies and methods of funding art education with endowment policies.
  • the endowment policies can be structured to pay any suitable lump sum after a specified term arid/or on earlier death of die insured .
  • the specified term can be any amount of time such as, for example, ten, fifteen or twenty years up to a certain age Umit of the insured.
  • the endowment policy can also be structured to pay out in the case of critical illness of the insured.
  • present disclosure provides a method of selling one or more endowment policies.
  • the method comprises selling a first endowment policy to an individual (e.g., policy owner),, ali wing the individual to purchase one or more additional endowment policies at the same price as the first endowment policy, and reminding the individual of the right to purchase one or more additional endowment policies.
  • the endowment policies can be sold, for example, by an insurance company or any company in die business of selling endowment policies.
  • the method allows the policy owner to purchase up to a specified number of additional endowment policies at the same price as the original policy via an additionai policy rider including this information.
  • the additional policy rider can allow the policy owner to purchase up to a specified maximum of additional endowment policies at the same price as the first endowment policy.
  • the policy owner can be aliovved to purchase up to a specified maximum of additional endowment policies at any designated price specified by the insurance company. This allows the policy owner to stagger the maturities to align with the years the policy owner's Individual (or another individual) will be attending college.
  • the premium for the additional policies can be based on the age and/or health of tile insured of the original individual endowraent policy.
  • the endowment policies can be used to pay for college tuition. Because mor students are taking 5 years to graduate from college, the policy ⁇ owner will, have the option, fo example, to buy up to 4 additional endowraent policies under the rider,
  • the reminding is via premium notices, email statements, mail statements or a combination thereof sent by the insurance company.
  • the reminding can be done on an annua! or a semi-annual basis or any designated time period.
  • the reminding can also be done using an automatic, computer generated reminder.
  • Each of the endowment policies can insure the same beneficiary. Alternatively, one or more of the endowment policies can insur one or more different beneficiaries. There can be a maximum amount of insurance that can be covered by the sum of the individual endowment policies. Each of the individual endowment policies can be for the same or different, amounts.
  • An advantage of the claimed methods is that the policy owner can, using the rider, be able to spread the cost for the endowment policies over a longer period of time helping to better manage cash flow.
  • the premium for the additional endowment policies could be the same as the original endowment policy assuming the same face amount, maturity and underwriting class. Over the life of the endowment policies, this has the potential of saving the policyowner several hundreds of dollars,
  • the policy owner is entitled to purchase one additional individual endowment each year for up to 4 years after the originaJ effective date using the original, issue age of the insured.
  • the insured individual should be the same person for all policies.
  • the additional policies can he for the same or smaller face .amount and same maturity as the original policy.
  • the maximum amount of insurance that can be purchased under the rider is "capped" at a maximum amount of insurance available on any one life.
  • the current maximum amount of coverage available on any one life can he a specified amount (e.g., $3001300), which includes the original policy, additional policies bought using the rider, and any other life insurance the insured may have with the insurance company.
  • the original policy should be in force and ail premiums that are due have been paid.
  • the rider may not be added to policies where the insured on the original policy is substandard risk.
  • the present disclosure provides a method of selling endowment policies comprising determining whether an individual qualifies tor a first endowment policy based on a blood profile, a home office specimen, and/or a physical examination, selling the first endowment policy to the individual, allowing the individual to purchase one or more additional endowment policies, and reminding the individual of the right to purchase additional endowment policies.
  • the determining can be done using a computer processor configured to process the information obtained via the blood profile, the home office specimen, and/or the physical examination of the individual and determine a risk assessment from the mfo mation.
  • the reminder can be an automatic computer generated reminder.
  • the individual can also be assessed to determine whether she/she qualifies for the additional endowment policies. For example, to screen individuals for the additional endowment policies, any time an owner wishes to purchase a policy under the rider the following general- question may be asked about the insured: Since applying for your first endowment policy have you received any treatment for or diagnosis of or been advised b a medical professional to have treatment for, heart disease or disorder; cancer or tumor; diabetes; drug or alcohol abuse; high blood pressure or stroke; mental or nervous disorder; or any disorder of the blood, kidneys, liver, lungs, intestines or central nervous system; pneumonia or swollen lymph nodes; Acquired Immune Deficiency Syndrome ⁇ "AIDS") or Human Immunodeficiency Virus (“HIV”) infection or plead guilty to o been convicted of felony or misdemeanor, or have charges pending against you?
  • a medical professional to have treatment for, heart disease or disorder; cancer or tumor; diabetes; drug or alcohol abuse; high blood pressure or stroke; mental or nervous disorder; or
  • the rider can be attached to all individual endowment policies issued by the insurance company until such time as it decides to no longer offer the rider.
  • the rider can be added to policies issued prior to the availability of the rider.
  • the rider may not he added to policies where the ins red is a substandard risk.
  • underwriting can request desired information such as a blood profile, home office specimen (e.g>, urine sample), and physical measurements.
  • desired information such as a blood profile, home office specimen (e.g>, urine sample), and physical measurements.
  • a specified age e.g., 51 or higher
  • a specified amount e.g. $ 100,001 or more
  • the rider can be designed to terminate after a specified time (e.g., 5 years) from the effective date of the original/first endowment policy.
  • the rider can be designed to terminate if ihe policy owner fails to purchase an additional policy any consecutive periods of time (e.g., two years). For example, if individual A purchased a first endowment policy in year I , she would have the right, under the rider, to purchase a new endowment for the same face amount and maturity at the original . ' endowments premium for 4 more years. However, if individual. A did not buy additional policies in subsequent y ears, the rider could be designed to terminate.
  • the policy owner causes the rider to terminate for non-use, he or she may still be eligible to purchase a new endowment policy subject to- full underwriting. Any new purchase, once the rider expires, will have a premium based- on the insured's new/attained age. and underwriting class.
  • the policy owner ean have the right to apply for the additional endowment policies under the rider for a specified time period (e.g., 45 days) before and after the anniversary date of the original policy, if the policy owner submits an application within, a specified time period (e.g., 9-0 day) "window," he or she may be eligible to take advantage of the reduced premium, provided all underwriting requirements are satisfied, Any application received outside the 90 day "window ** may not be eligible for the discount provided under the rider,
  • a specified time period e.g. 9-0 day
  • the methods of the present disclosure may be implemented on any computer readable medium capable that can he incorporated into a computer 10.
  • ihe computer readable medium includes, but is not limited to, a memory disk, a CD-ROM, a magnetic tape, a hard-disk drive, flash memory and random access, memory (RAM),
  • RAM random access, memory
  • the present disclosure provides a computer implemented method of selling endowment policies.
  • the method comprises providing an interface tor an individual to enter information about the individual and a first endowment policy and determining whether the individual meets the qualifications for the first endowment policy using a computer process configured to process the information.
  • the method further includes selling the first endowment policy to an individual if the individual meets the minimum requirements, allowing the individual to purchase one or more additional endowment policies, and reminding the individual using an automatic computer generated reminder of the right to purchase additional endowment policies.
  • the interface e.g., computer monitor
  • computer 10 is pari of computer 10 operable by the individual or user.
  • computer 10 ma include an internal storage device 20 (e.g., hard -disk drive) for storing instructions for implementing the methods and/or an external reading device 30 (e.g., USB port) for receiving a computer readable medium (e.g., pin drive) having instructions recorded thereon for causing a processor of the computer 10, upon executing the instructions, to provide the interface for a user to purchase the endowment policies.
  • an internal storage device 20 e.g., hard -disk drive
  • an external reading device 30 e.g., USB port
  • a computer readable medium e.g., pin drive
  • a network interface 40 (e.g., local area network (LAN) .connection) may also be provided as pari of the computer 10 to allow for communication with a network 50 (e.g., internet).
  • the network SO can include a centra! processing station or server located, for example, at the insurance company providing the endowment policies.
  • the network interface 40 allows for communication from the user to the central processing station and f om the central processing station, to the user.
  • the central processing station can also include a database of .relevant information including premium price, date of purchase, and individual information that can be used to send the computer generated reminders to the individual having the initial endowment policy.
  • the central processing station can generate the information needed for the purchase of the endowment policies buy the user.
  • the central processing server can also be programmed to analyze the information from the individual to determine whether the individual qualifies for the endowment policies and to determine the rates/premiums to be paid by the individual.
  • the central processing station can further be set up (e.g., programmed) to automatically genera! endowment policy reminders to the individual. The reminding can be done by a process such as premium nodees, email statements, mail statements or a combination thereof,
  • the risk factor can include age, heart condition, cancer, diabetes, drug use. alcohol use, blood pressure, mental disorder, nervous disorder, blood disorder, kidney condition, lung condition, intestine condition, criminal history or a combination thereof.
  • the analysis can be done using a computer processor configured to process the physical characteristics and mental characteristics along with the risk factors of the individual
  • a risk assessment can be determined from the information ' that can then be used by the insurance company in setting, for example, the premiums of the endowment policies,
  • the present disclosure provides a method of funding- an education of an individual.
  • the method comprises purchasing a. itrst endowment policy to fund an individual's ' college education, obtainin the right with the first endowment policy to purchase one or more additional endowment policies at the same price for a number of years to fund the individual's -college -education, receiving automatic computer generated reminders of the right to purchase the additional endowment policies, and purchasing an additional endowment in response to the automatic computer generated reminders.
  • This method can be a computer implemented method in accordance with the previous discussion.
  • Compa y A has issued iMs Rider as pari of the Policy to which i is attached, provided that the rider is listed on the Policy Specifications page.
  • the Owner may purchase one additional individual endowment .insurance policy on the Insured on each Option Date.
  • the age upon, which the premium of each new policy will be based is the age of the Insured as of the dat the Policy to which this Rider is attached was issued.
  • the Insurance company will require evidence of insurabilit for each purchase of an additional endowment insurance policy.
  • the Policy mus be in force on a premium paying basis.
  • the Owner must be the same Owner as of the time the Policy was issued.
  • Option dates are the first, second, third and fourth Policy anniversaries.
  • Tile face amount of eac additional endowment policy may not be greater than the Face Amount of the Policy to which this Rider is attached.
  • the maximum face amount that may he purchased on ail Option Dates is a total of $300,000.

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  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Finance (AREA)
  • Engineering & Computer Science (AREA)
  • Theoretical Computer Science (AREA)
  • Economics (AREA)
  • Marketing (AREA)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Development Economics (AREA)
  • Technology Law (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
  • Management, Administration, Business Operations System, And Electronic Commerce (AREA)
  • Electrically Operated Instructional Devices (AREA)
PCT/US2010/041692 2009-12-11 2010-07-12 Methods of selling endowment policies WO2011071562A1 (en)

Priority Applications (12)

Application Number Priority Date Filing Date Title
AU2010328675A AU2010328675A1 (en) 2009-12-11 2010-07-12 Methods of selling endowment policies
SG2012042594A SG181612A1 (en) 2009-12-11 2010-07-12 Methods of selling endowment policies
NZ600895A NZ600895A (en) 2009-12-11 2010-07-12 Methods of selling endowment policies
CA2783856A CA2783856A1 (en) 2009-12-11 2010-07-12 Methods of selling endowment policies
US13/514,846 US20130096958A1 (en) 2009-12-11 2010-07-12 Methods of selling endowment policies
EP10740055.8A EP2510481A4 (en) 2009-12-11 2010-07-12 METHODS OF SELLING MIXED INSURANCE POLICIES
CN2010800610638A CN102713961A (zh) 2009-12-11 2010-07-12 销售养老保险单的方法
JP2012543090A JP2013513855A (ja) 2009-12-11 2010-07-12 養老保険を販売する方法
BR112012014078A BR112012014078A2 (pt) 2009-12-11 2010-07-12 método de venda de apólice de dotações.
MX2012006708A MX2012006708A (es) 2009-12-11 2010-07-12 Metodos para vender seguros de capital diferido.
IN5157DEN2012 IN2012DN05157A (xx) 2009-12-11 2012-06-11
ZA2012/05133A ZA201205133B (en) 2009-12-11 2012-07-10 Methods of selling endowment policies

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
US28556009P 2009-12-11 2009-12-11
US61/285,560 2009-12-11

Publications (1)

Publication Number Publication Date
WO2011071562A1 true WO2011071562A1 (en) 2011-06-16

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ID=44145848

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/US2010/041692 WO2011071562A1 (en) 2009-12-11 2010-07-12 Methods of selling endowment policies

Country Status (13)

Country Link
US (1) US20130096958A1 (xx)
EP (1) EP2510481A4 (xx)
JP (1) JP2013513855A (xx)
CN (2) CN102713961A (xx)
AU (2) AU2010328675A1 (xx)
BR (1) BR112012014078A2 (xx)
CA (1) CA2783856A1 (xx)
IN (1) IN2012DN05157A (xx)
MX (1) MX2012006708A (xx)
NZ (1) NZ600895A (xx)
SG (1) SG181612A1 (xx)
WO (1) WO2011071562A1 (xx)
ZA (1) ZA201205133B (xx)

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US10872131B2 (en) 2013-03-15 2020-12-22 Battelle Memorial Institute Progression analytics system

Also Published As

Publication number Publication date
BR112012014078A2 (pt) 2016-07-05
AU2015200931A1 (en) 2015-03-12
JP2013513855A (ja) 2013-04-22
CN105844528A (zh) 2016-08-10
CA2783856A1 (en) 2011-06-16
IN2012DN05157A (xx) 2015-08-07
AU2010328675A1 (en) 2012-07-05
EP2510481A4 (en) 2013-08-14
US20130096958A1 (en) 2013-04-18
ZA201205133B (en) 2016-08-31
NZ600895A (en) 2013-11-29
CN102713961A (zh) 2012-10-03
SG181612A1 (en) 2012-07-30
MX2012006708A (es) 2012-07-03
EP2510481A1 (en) 2012-10-17

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