The patent badge is an abbreviated version of the USPTO patent document. The patent badge does contain a link to the full patent document.
The patent badge is an abbreviated version of the USPTO patent document. The patent badge covers the following: Patent number, Date patent was issued, Date patent was filed, Title of the patent, Applicant, Inventor, Assignee, Attorney firm, Primary examiner, Assistant examiner, CPCs, and Abstract. The patent badge does contain a link to the full patent document (in Adobe Acrobat format, aka pdf). To download or print any patent click here.
Patent No.:
Date of Patent:
Oct. 12, 2021
Filed:
Sep. 06, 2019
State Farm Mutual Automobile Insurance Company, Bloomington, IL (US);
David Scott Etheridge, Bloomington, IL (US);
Andrew Patrick Wieduwilt, Bloomington, IL (US);
Jill A. Eberle, Bloomington, IL (US);
Carl R. Streily, Jr., Normal, IL (US);
Randall P. Petersen, Normal, IL (US);
Amy R. Prestegaard, Waynesville, IL (US);
Larry J. Ingrum, Mahomet, IL (US);
Lori J. Kaufman, Bloomington, IL (US);
Alan R. Hendren, Le Roy, IL (US);
David A. Theile, Bloomington, IL (US);
Douglas K. Sorensen, Bloomington, IL (US);
STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY, Bloomington, IL (US);
Abstract
Methods, systems, apparatus, and non-transitory computer readable media are disclosed for providing a web-based application that allows a customer to submit relevant information for obtaining insurance policy products that may require medical underwriting. Various aspects allow a customer to use the web-based application for a variety of insurance products, which may include term, full, and/or universal life insurance policies. The web-based application simplifies the application process by filtering questions and/or prompts presented to the customer based upon a customer's specific needs, previous answers, and/or other information. Various aspects also include determining whether a customer qualifies for temporary or permanent life insurance coverage based upon a customer's information and/or answers to one or more knockout questions, and if so, providing the customer with a binding receipt of temporary insurance coverage upon payment for a period of time in which the underwriting may be completed.