Data processing: financial – business practice – management – or co – Automated electrical financial or business practice or... – Finance
Reexamination Certificate
2007-04-16
2010-02-09
Campen, Kelly (Department: 3691)
Data processing: financial, business practice, management, or co
Automated electrical financial or business practice or...
Finance
C705S03600T
Reexamination Certificate
active
07660757
ABSTRACT:
A data processing method and system administers a deferred annuity product during the accumulation phase of a contract term. The annuity product permits the client to select both an interest rate which is reset periodically (reset rate) and an interest rate which is guaranteed for multiple years (MYG rate), during the same contract term. The client may elect to automatically switch from the reset rate to the MYG rate, for the remainder of the contract term, when the reset rate falls below the MYG rate.
REFERENCES:
patent: 5754980 (1998-05-01), Anderson
patent: 5878405 (1999-03-01), Grant
patent: 5893071 (1999-04-01), Cooperstien
patent: 5913198 (1999-06-01), Banks
patent: 5926800 (1999-07-01), Baronowski
patent: 5933815 (1999-08-01), Golden
patent: 6275807 (2001-08-01), Schirripa
patent: 6611808 (2003-08-01), Preti et al.
patent: 6611815 (2003-08-01), Lewis
patent: 6636834 (2003-10-01), Schirripa
patent: 6661815 (2003-12-01), Kozlovsky
patent: 6950805 (2005-09-01), Kavanaugh
patent: 6963852 (2005-11-01), Koresko
patent: 7016871 (2006-03-01), Fisher
patent: 7080032 (2006-07-01), Abbs et al.
patent: 7089201 (2006-08-01), Dellinger
patent: 7113913 (2006-09-01), Davis
patent: 7376608 (2008-05-01), Dellinger et al.
patent: 7398241 (2008-07-01), Fay et al.
patent: 2001/0014873 (2001-08-01), Henderson
patent: 2001/0047325 (2001-11-01), Livingston
patent: 2002/0035527 (2002-03-01), Corrin
patent: 2002/0174045 (2002-11-01), Arena
patent: 2002/0188540 (2002-12-01), Fay et al.
patent: 2003/0088430 (2003-05-01), Ruark
patent: 2003/0105652 (2003-06-01), Arena
patent: 2003/0120570 (2003-06-01), Dellinger
patent: 2003/0171956 (2003-09-01), Cox
patent: 2003/0187764 (2003-10-01), Abba
patent: 2004/0039601 (2004-02-01), Anderson
patent: 2004/0088236 (2004-05-01), Manning
patent: 2004/0204951 (2004-10-01), Wood
patent: 2004/0267647 (2004-12-01), Brisbois
patent: 2005/0010453 (2005-01-01), Terlizzi
patent: 2005/0060251 (2005-03-01), Schwartz
patent: 2005/0240521 (2005-10-01), Fuentes-Torres
patent: 2006/0080148 (2006-04-01), Koresko
patent: 2006/0089892 (2006-04-01), Sullivan
patent: 2006/0095353 (2006-05-01), Midlan
patent: 2006/0111997 (2006-05-01), Abbott et al.
patent: 2006/0111998 (2006-05-01), Fisher
patent: 2006/0143055 (2006-06-01), Loy
patent: 2006/0149651 (2006-07-01), Robinson
patent: 2006/0155622 (2006-07-01), Laux
patent: 2006/0195375 (2006-08-01), Bohn
patent: 2006/0206398 (2006-09-01), Coughlin
patent: 2006/0206401 (2006-09-01), Abbs
patent: 2006/0212379 (2006-09-01), Perg
patent: 2006/0212380 (2006-09-01), Williams
patent: 2007/0011063 (2007-01-01), Shelon
patent: 2007/0011069 (2007-01-01), Bevacqua
patent: 2007/0011086 (2007-01-01), Dellinger
patent: 2007/0078690 (2007-04-01), Kohl
patent: 2007/0100715 (2007-05-01), O'Donnell
patent: 2007/0100720 (2007-05-01), Bonvouloir
patent: 2007/0100726 (2007-05-01), O'Flinn
patent: 2007/0100727 (2007-05-01), Multer
patent: 2007/0106589 (2007-05-01), Schirripa
patent: 2007/0162380 (2007-07-01), Conroy
patent: 2007/0198377 (2007-08-01), Livingston
Shapiro et al. “Separating Annuity Buyers by Fixed vs. Variable” Apr. 5, 1993, National Underwriter (Life.Health.Financial Serviecs), V97N14 pp. 20-21.
Anonymous “Q2 2005 American Eqty Invt Life Hld Co Earnings Conference Call-Final” Aug. 4, 2005, Fair Disclosure Wire.
“Income Select for Life” (Transamerica Capital Financial Life Insurance Company), https://www.transamericaadvisor.cony/contentServer/MediaServer? uri=/site/tciidex/media/PDF/Annuities—TCI/Client—Approved—Material/Tips—and—Techniques/.BRIS.pdf.
“Jackson Enhances Living Benefit Options within its Perspective Family of Variable Annuities” (Business Wire Apr. 30, 2007), http://findarticles.com/p/articles/mi—m0EIN/is—2007—April—30/ai—n19041944.
“Glossary of Insurance Terms” (Life Office Management Association, Inc. 2002), http://www.iii.org/media/glossary/.
“Lifetime Legacy” http://www.americo.com/lifetime/lifetimelegacy.html.
“Accelerated Death Benefits” (Jan. 22, 2007) http://www.medicare.gov/LongTermCare/Static/AccDeathBenefits.asp? dest=NAV%7CPaying%7CPrivatelnsurance%7CAccDeathBenefits.
“Alternatives to Long Term Care Insurance” (SWP Advocates 2004), http://www.senior-wealth-protection-advocates.com/long-term-care-insurance-alternatives.html.
Form 485BPOS, (Apr. 26, 2006), Transamerica-NewLTC-LifetimeGMWB—May2006SECFiling.pdf.
Form N-4, (Feb. 22, 2006), Transamerica-NewLTC-LifetimeGMWB—SECFiling.pdf.
“Fidelity.com Glossary” https://scs.fidelity.com/webxpress/help/topics/help—definition—p.shtml.
“Dynamic Retirement Withdrawal Planning” R.Gene Stout and John B. Mitchell, (Financial Services Review 2006), http://www.rmi.gsu.edu/FSR/abstracts/Vol—15/zux00206000117.pdf.
“Retireonyourterms” http://www.retireonyourterms.com/ glossary/GlossaryText.htm.
“Prudential Investments Introduces Strategic Partners Annuity One: New Variable Annuity Offers Investors World-Class Money Managers and Flexible Product Features” (Business Wire Oct. 9, 2000), http://findarticles.com/p/articles/mi—m0EIN/is—2000—Oct—9/ai—65846822.
“The Power and Protection of Income Annuities” (Empire Fidelity Investments Life Insurance Company), http://personal.fidelity.com/products/annuities/pdf/IncomeAnnuitySpecialReport.pdf.
“Making IRAs Last a Lifetime with Annuities” (Life Health Advisor, Mar. 2006), http://www.fpamd.org/documents/MakingIRAsLastaLifetimewithAnnuities.pdf.
Prospectus, Penn Mutual Variable Annuity Account III, (Penn Mutual May 1, 2007), PennMutual-LifetimeGMWB-CPI—SECFiling.pdf.
Form 497, (Oct. 2, 2006), Penn-EnhancedCreditVA—May2001—Prospectus.pdf.
“RiverSource Innovations Select Variable Annuity” (River Source Life Insurance Company 2007), http://www.riversource.com/rvsc/global/docs/INNOV-SELECT-NY-AAG.pdf.
“Key to Making Retirement Savings Last: The Withdrawal Rate” (New York Life Insurance Company 2007), http://www.newyorklife.com/msm/cda/main/display/popup/print—this/1,3256.14198.00.html?&site—id=I&docLocation=http://www.newyorklife.com/cda/0.3254.14198.00.html.
“Pacific One Select Investor Guide”, (Nov. 2007), http://www.mutualfunds.pacificlife.com/public/mutual—funds/product—info/individual—k/pdfs/d5026.pdf.
“Just the Facts” (Nationwide Financial Services, Inc. 2006-2007) https://ssc.nwservicecenter.com/media/pdf/product/VAM-0504AO-F1.pdf.
Campen Kelly
Hartford Fire Insurance Company
Howard IP Law Group PC
LandOfFree
Method and system for providing a fixed rate annuity with a... does not yet have a rating. At this time, there are no reviews or comments for this patent.
If you have personal experience with Method and system for providing a fixed rate annuity with a..., we encourage you to share that experience with our LandOfFree.com community. Your opinion is very important and Method and system for providing a fixed rate annuity with a... will most certainly appreciate the feedback.
Profile ID: LFUS-PAI-O-4177021