Hartford Fire Insurance Compnay

The Prudential Insurance Company of America

Rodney R Howard

Michael J Roscoe

Leslie Ann Reynolds

Patrick Alan Thornton

A computer system for administering applications for life insurance has a processor and a memory storage device in communication with the processor. The processor is configured to receive data indicative of an application and an initial premium payment from a proposed insured for life insurance; based on the received data, determine whether the proposed insured is uninsurable; responsive to a determination that the proposed insured is not uninsurable, generate an output signal having data indicative of a decision to respond to the application by issuing a policy and commencing a comprehensive underwriting process; receive data indicative of a result of the comprehensive underwriting process; based on the result of the comprehensive underwriting process, determine a rating of the proposed insured; and, based on the rating, provide an output signal indicative of a same or changed premium for the policy.

System and method for processing data related to  life insurance policies issued prior to underwriting

A computer system for processing data related to investment management includes a data storage device storing data including an account value; a plurality of investments and, for each of the investments, one of a plurality of categories associated with the investments and a value of the investments; and a server. The server is configured to access the stored data; determine a proportion of the value of the investments in the at least one of the plurality of categories to the account value; compare the determined proportion to at least one of an upper threshold proportion and a lower threshold proportion; and responsive to determining that the determined proportion is in breach of either the upper threshold proportion or the lower threshold proportion, provide output data to a fund manager computer system with instructions to reallocate value so as to provide the proportion at a predetermined value.

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Weatogue, CT, United States of America

Rodney R Howard