Disruptive Technologies, Ltd.

Creative Innovators Associates, LLC

Robert Wallach

Jasper Jackson

Included in the terms of a purchase or lease agreement, particularly pertaining to automobiles, a party having a business relationship with the seller or lessor, or the seller or lessor itself, agrees to provide a policy, including at least collision and/or comprehensive coverage, to a qualified buyer. The insurance coverage protects against losses related to the item being purchased or leased for a predetermined period of time. To be qualified, the purchaser or lessor must reside in a particular geographic region and purchase or lease, for example, a particular make and model of automobile. No further characteristics of the purchaser or lessor are considered in obtaining the insurance policy. The sale or lease of the item and provision of the insurance policy may be completed over a computer network, such as the Internet.

Insurance incentive program for promoting the purchase or lease of an automobile

A lessee of an item, such as an automobile, is encouraged to either purchase the automobile at the expiration of the lease, or to initiate a new lease for the same item. If the lessee undertakes a purchase or a new lease, a manufacturer of the item, or another party, provides insurance covering the item. The methods disclosed herein may be performed over a computer network, such as the Internet.

Insurance incentive program for promoting the purchase or release of an automobile after an expiration of a lease

Included in the payment of a financing amount corresponding to a loan or a lease of an item, such as an automobile, is a payment representing a portion of an insurance premium amount for an insurance policy having a term co-extensive with the term of the lease or the loan. The payment may be arranged for or completed over a computer network, such as the Internet.

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Mill Neck, NY, United States of America

Robert Wallach