United Services Automobile Association (Usaa)

Richard Edward Wintheiser

Michael Belko

Matthew Douglas Karam

Christopher Charles Ogburn

Jeremy S May

Angela L Fahrenthold

Jiemin L Math

James G Miranda

Josue Manuel Perez

Regina E Hirner

Chad Michael Martin

Kristin J Kuhn

Shawn T Loftus

The present disclosure describes determining a premium for a life insurance policy. One or more methods and systems include combining a determination of a mortality risk with a determination of a future lapse risk for an individual to yield the premium for the life insurance policy.

Determining premiums for life insurance policies

Methods and systems are disclosed for automatically allocating work projects to personnel based on work complexity level and level of knowledge and experience of the personnel. In one implementation, the methods and systems provide a work allocation tool that allows a user to input the level of complexity of the work projects according to one or more predefined criteria. The work allocation tool then automatically determines which of the available personnel has the required level of knowledge and experience to complete the work projects. Personnel who have already exceeded a target number or percentage of work projects in a given time period may be automatically excluded from the allocation. The work allocation tool thereafter randomly selects one of the available personnel and automatically allocates the work projects. An administrator interface allows a manager to define each person's target numbers or percentages and to stop further allocations if needed.

Work allocation tool

Growing community of inventors

Helotes, TX, United States of America

Richard Edward Wintheiser