Systems and methods for providing an enhanced option rider to an insurance policy
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United States of America Patent
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app pub date -
Aug 15, 2005
filing date -
Aug 13, 2004
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Abstract
In one aspect, the invention comprises a computer system for providing a life insurance policy with an enhanced option rider, comprising: an electronic database operable to store data related to policyholders and policy terms; and an insurance administration computer, in communication with the database, for administering the policy; wherein the enhanced option rider allows each beneficiary of the life insurance policy to apply all or part of eligible proceeds to one or more enhanced payment options, and wherein the one or more enhanced payment options comprise a guaranteed monthly payment through an annuitization process for the life of the one or more beneficiaries.
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