G - Physics – 06 – Q
Patent
G - Physics
06
Q
G06Q 10/00 (2006.01)
Patent
CA 2494567
The present invention provides a means of calculating and evaluating a premium financing program. The present invention provides an apparatus which takes into account factors and data such as various alternative sources of funding, various alternative inflows of assets, and various outflows of assets due to taxes, interest payments, selected insurance premiums, reinsurance costs, and transaction fees incurred in maintaining the premium financing program. The present invention provides a means to calculate the amounts needed in order to fund a premium financing program. The present invention additionally provides a means for obtaining lower cost life insurance, by offsetting the cost through reinsurance (2505), and by providing an incentive to an individual to maintain the life insurance policy in full-force by providing the possibility of receiving the individual's death benefit while they are alive(2530, 2535).
La présente invention concerne un moyen permettant de calculer et d'évaluer un programme de financement par les primes d'assurance. Cette invention concerne un appareil qui prend en considération des facteurs et des données tels que diverses autres sources de financement, diverses autres entrées d'actifs ainsi que diverses sorties d'actifs occasionnées par les impôts, les paiements d'intérêts, les primes d'assurances sélectionnées, les frais de réassurance ainsi que les frais de transaction engagés par l'entretien du programme de financement par les primes d'assurance. Cette invention permet de calculer les montants nécessaires au financement d'un programme de financement par les primes d'assurance et d'obtenir une assurance vie à coût réduit en compensant le coût par la réassurance et en incitant un individu à conserver la police d'assurance vie en vigueur en offrant la possibilité de recevoir le capital décès d'un individu de son vivant.
Abbott Howard B.
Baker Richard J.
Batson Robert B.
Leisher Steven C.
Miller Daniel J.
Beachwalk Capital Corporation Llc
Ridout & Maybee Llp
The Potomac Group West Inc.
LandOfFree
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