专利快速检索-快速检索全球专利，免费商用专利数据库-IPRDB

2. 发明申请

WO2011022225A1 ONLINE SYSTEM AND METHOD OF INSURANCE UNDERWRITING 审中-公开
标题翻译：在线系统和保险方法
公开(公告)号：WO2011022225A1
公开(公告)日：2011-02-24
申请号：PCT/US2010/044661
申请日：2010-08-06
申请人： METROPOLITAN LIFE INSURANCE , MULLINS, Kieran
发明人： MULLINS, Kieran
IPC分类号： G06Q40/00
CPC分类号： G06Q40/08
摘要： A user accesses online forms, enters information, and submits the data to an insurance underwriting server The information may address health, family history, the applicant's profession, or planned physical activities The applicant also authonzes the server to retrieve stored information about the applicant The stored information may include DMV records, prescription drug records, credit reports, information from prior insurance applications, or medical records The server retrieves the stored information, then computes mortality risk based on the applicant's information and the retrieved information If the mortality πsk is deemed to be too high, the server can transition the user and/or applicant to a customer service representative, or the server can decline to underwrite an insurance policy If the mortality risk is not too high, the server computes a premium rate that corresponds to the mortality risk, and offers to underwrite an insurance policy for the applicant at the specified premium rate
摘要翻译：用户访问在线表单，输入信息并将数据提交给保险承保服务器信息可以解决健康，家庭历史，申请人的职业或计划的体力活动。申请人还对服务器进行验证，以检索有关申请人的存储信息存储信息可能包括DMV记录，处方药物记录，信用报告，先前保险申请中的信息或医疗记录服务器检索存储的信息，然后根据申请人的信息和检索到的信息计算死亡率风险如果死亡率psk被认为是服务器可以将用户和/或申请人过渡到客户服务代表，或者服务器可以拒绝承保保险。如果死亡率风险不高，服务器会计算与死亡率风险相对应的溢价率并提供在指定的公关机构为申请人承保保险单 ium率

IPRDB

热门服务

关于我们

友情链接

联系方式