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:
Aug. 06, 2013
Filed:
Feb. 17, 2011
Jacob M. Herschler, Southport, CT (US);
Daniel O. Kane, Florham Park, NJ (US);
N. David Kuperstock, Woodbridge, CT (US);
Robert F. O'donnell, Harwinton, CT (US);
Steven L. Putterman, West Hartford, CT (US);
Dain E. Runestad, Woodbridge, CT (US);
Robert J. Schwartz, West Granby, CT (US);
Nicholas Berardis, Jr., Middlebury, CT (US);
John L. Grucza, Southington, CT (US);
Michael A. Guido, Southbury, CT (US);
J. Scott Dunn, Rocky Hill, CT (US);
Jacob M. Herschler, Southport, CT (US);
Daniel O. Kane, Florham Park, NJ (US);
N. David Kuperstock, Woodbridge, CT (US);
Robert F. O'Donnell, Harwinton, CT (US);
Steven L. Putterman, West Hartford, CT (US);
Dain E. Runestad, Woodbridge, CT (US);
Robert J. Schwartz, West Granby, CT (US);
Nicholas Berardis, Jr., Middlebury, CT (US);
John L. Grucza, Southington, CT (US);
Michael A. Guido, Southbury, CT (US);
J. Scott Dunn, Rocky Hill, CT (US);
The Prudential Insurance Company of America, Newark, NJ (US);
Abstract
One embodiment of the invention is a method for providing a financial instrument including determining a current account balance for a financial account, calculating a liability ratio for the financial account, and determining whether to transfer at least a portion of the account balance from a variable sub-account to a low-risk sub-account based on the liability ratio.