Thomas P Kalmbach

Title: Innovations by Thomas P Kalmbach

Introduction

Thomas P Kalmbach is an accomplished inventor based in Southwick, MA (US). He holds a total of 2 patents that showcase his contributions to the field of life insurance technology. His innovative approaches have led to significant advancements in how life insurance policies are managed and processed.

Latest Patents

Kalmbach's latest patents include a "System and method for processing data related to death benefit amounts for life insurance policies." This invention involves a computer system designed to process data related to life insurance policies, including various financial components such as face amounts and investment accounts. The system determines the death benefit amount based on a comparison of calculated values, ensuring that policyholders receive the maximum benefit. Another notable patent is the "Hybrid life insurance product with an improved total return." This product offers a unique combination of fixed and variable benefits, along with a policy protection feature that prevents lapsing, ensuring that purchasers receive a minimum death benefit.

Career Highlights

Throughout his career, Kalmbach has worked with prominent companies in the insurance sector, including Hartford Fire Insurance Company and The Prudential Insurance Company of America. His experience in these organizations has contributed to his expertise in developing innovative insurance solutions.

Collaborations

Kalmbach has collaborated with notable professionals in the industry, including Edwin Clifford Barron, Jr. and Michael J Roscoe. These partnerships have likely enriched his work and led to further advancements in his inventions.

Conclusion

Thomas P Kalmbach's contributions to the field of life insurance through his patents demonstrate his innovative spirit and commitment to improving financial products for consumers. His work continues to influence the industry and enhance the way life insurance policies are managed.