Patent application number | Description | Published |
20110022420 | SYSTEMS AND METHODS FOR INSURANCE UNDERWRITING - The systems and methods described herein may automate insurance underwriting by integrating information from multiple online databases and creating decision making advice useful to insurance underwriters. One system includes a client, database, and server. The client allows an underwriter to enter applicant information, enter customized risk modifiers, and receive an underwriting decision. The database provides additional applicant information. This information can include one or more of prescription drug history, credit history, motor vehicle records, and geocentric mortality risk. The server obtains the applicant information, calculates the applicant's risk, and makes an underwriting decision. Another system calculates a prescription drug risk for an applicant from pharmacy benefits management data, drug risk category data, and application data. Another system calculates a geocentric mortality risk for an applicant from census data, mortality data, credit information, and application data. Preset external modifiers are added to systems and methods of calculating risk in order to allow the underwriter to customize the risk results. | 01-27-2011 |
20130173283 | SYSTEMS AND METHODS FOR INSURANCE UNDERWRITING - The systems and methods described herein may automate insurance underwriting by integrating information from multiple online databases and creating decision making advice useful to insurance underwriters. One system includes a client, database, and server. The client allows an underwriter to enter applicant information, enter customized risk modifiers, and receive an underwriting decision. The database provides additional applicant information. This information can include one or more of prescription drug history, credit history, motor vehicle records, and geocentric mortality risk. The server obtains the applicant information, calculates the applicant's risk, and makes an underwriting decision. Another system calculates a prescription drug risk for an applicant from pharmacy benefits management data, drug risk category data, and application data. Another system calculates a geocentric mortality risk for an applicant from census data, mortality data, credit information, and application data. Preset external modifiers are added to systems and methods of calculating risk in order to allow the underwriter to customize the risk results. | 07-04-2013 |
Patent application number | Description | Published |
20100139198 | Expansion-compensating deck fastener - The present invention is an anchoring biscuit device for joining three boards. It includes, (a) an at least partially flat horizontal top element having an imaginary center line, having opposite side walls, and having a top view footprint adapted to be inserted into grooves of adjacent boards; (b) at least one substantially vertical support member attached to the underside of the top element and extending downwardly therefrom for a predetermined length for joinder of two adjacent boards which contain said grooves for receiving portions of said top into said grooves; and, (c) at least one compressive element located on aid device, with at least a portion of said at least one compressive element, from a top view footprint, being located away from said imaginary center line and way from said vertical support member, wherein said compressive element is adapted to at least partially collapse under predetermined compressive force. | 06-10-2010 |
20110095463 | Multiple size-fitting clamp pad pods and clamp assembly - A multiple size fitting clamp pad pod that functions both as a clamp pad and as a support pod, includes: a main vertical wall with a front, a back, a top, sides and a bottom, and a frontal view footprint that includes a central orifice adapted to fit onto and receive a first clamp bar and that includes at least two opposing rest points located on the bottom. The central orifice has a first predetermined shape and open area to fit freely onto and receive the first clamp bar, and a break-away impression surrounding the central orifice to establish a second predetermined shape and open area to fit freely onto and receive a second clamp bar larger than the first clamp bar when the break-away impression is breached; and, a plurality of sidewalls located on and directed away from the main wall front. | 04-28-2011 |
20110126486 | EXPANSION-COMPENSATING DECK FASTENER - The present invention is an anchoring biscuit device for joining three boards. It includes, (a) an at least partially flat horizontal top element having an imaginary center line, having opposite side walls, and having a top view footprint adapted to be inserted into grooves of adjacent boards; (b) at least one substantially vertical support member attached to the underside of the top element and extending downwardly therefrom for a predetermined length for joinder of two adjacent boards which contain said grooves for receiving portions of said top into said grooves; and, (c) at least one compressive element located on aid device, with at least a portion of said at least one compressive element, from a top view footprint, being located away from said imaginary center line and way from said vertical support member, wherein said compressive element is adapted to at least partially collapse under predetermined compressive force. | 06-02-2011 |
20110129293 | DECKING SYSTEM AND ANCHORING DEVICE - The present invention is an anchoring device for joining three boards. It includes a substantially flat horizontal top element having a top view configuration which includes two sides and has a first predetermined width as measured wide to side at its maximum width between the two sides. There is at least one substantially vertical support member attached to the underside of the top element along an imaginary center line and extending downwardly from the top element for a predetermined length, which has two sides and a second predetermined width as measured at its maximum width. There is a substantially flat horizontal bottom element with two sides and has a third predetermined width at its maximum width. The first predetermined width is greater than the second predetermined width and the third predetermined width, and the third is greater than the second. | 06-02-2011 |
20130022392 | DECKING SYSTEM AND ANCHORING DEVICE - The present invention is an anchoring device for joining three boards. It includes a substantially flat horizontal top element having a top view configuration which includes two sides and has a first predetermined width as measured wide to side at its maximum width between the two sides. There is at least one substantially vertical support member attached to the underside of the top element along an imaginary center line and extending downwardly from the top element for a predetermined length, which has two sides and a second predetermined width as measured at its maximum width. There is a substantially flat horizontal bottom element with two sides and has a third predetermined width at its maximum width. The first predetermined width is greater than the second predetermined width and the third predetermined width, and the third is greater than the second. | 01-24-2013 |