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:
May. 15, 2012
Filed:
Apr. 08, 2008
Edwin Clifford Barron, Jr., Suffield, CT (US);
Thomas P. Kalmbach, Southwick, MA (US);
Michael J. Roscoe, South Windsor, CT (US);
Edwin Clifford Barron, Jr., Suffield, CT (US);
Thomas P. Kalmbach, Southwick, MA (US);
Michael J. Roscoe, South Windsor, CT (US);
Hartford Fire Insurance Company, Hartford, CT (US);
Abstract
Disclosed is a novel life insurance product that provides an improved return to a purchaser. The life insurance product contains a benefit payment, and has a fixed benefit amount and a variable benefit amount. A policy protection benefit prevents a purchaser's life insurance product from lapsing, and a minimum death benefit ensures that the purchaser receives the greater of the face value of the product and a predetermined percentage of the account value.