Robert L Benjamin

Address:

1708 Pfitzer Rd, Normal, IL 61761

VIN:

JTHCE96S070008636

Make:

LEXUS

Model:

GS 350

Year:

2007

US Patent:

20220301070, Sep 22, 2022

Filed:

Jun 7, 2022

Appl. No.:

17/833934

Inventors:

- Bloomington IL, US
John David Diffor - Bloomington IL, US
David Scott Etheridge - Bloomington IL, US
Eloy Garcia - Bloomington IL, US
Jeffrey M. Prall - Normal IL, US
Jeffrey A. Newman - Bloomington IL, US
Robert Benjamin - Normal IL, US
Randall Petersen - Normal IL, US

Assignee:

STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY - BLOOMINGTON IL

International Classification:

G06Q 40/08

Abstract:

A system and method for automatically screening applicants for disability insurance in real-time, and if the results are favorable, automatically communicating acceptances and issuing policies via wireless communication. An applicant's BMI is calculated, and the applicant is rejected if the BMI is too high or low. The applicant's prescription drug history is obtained, and the applicant is rejected if the history shows use of a drug associated with a serious medical condition. The acceptance or rejection and a premium for the insurance product may be set based upon the real-time screening results and communicated to the applicant. Additionally, an occupation class assigned to the applicant may be confirmed, a motor vehicle report for the applicant may be obtained, and an insurance information report for the applicant may be obtained. If the applicant is rejected, they may be allowed to apply for the insurance product using an alternate non-real-time process.