Abstract: Consumer needs for life insurance benefits change over time, yet traditional individual insurance policies have a fixed death benefit. Embodiments disclosed herein are directed to a user interface that facilitates forecasting future benefits and premiums under user-defined assumptions to optimize the policy application process and coverage, and to system and method for administering life insurance policies with death benefits that are automatically, periodically adjusted, without requiring new underwriting, based on third-party data linked to the insured's specific life insurance need. Embodiments disclosed herein facilitate the alignment of life insurance benefits with an individual's need as those needs change over time regardless of their changing health status, ensuring coverage when the need increases while saving money on unnecessary premiums when the need is declining.

Abstract: The present disclosure relates to medicament injection devices. An injection device includes: a movable dosage programming component comprising a rotary encoder system having a predefined angular periodicity, a sensor arrangement including a first optical sensor configured to detect movement of the movable dosage programming component relative to the sensor arrangement during dosing of a medicament, wherein the first optical sensor is configured to operate in a strobe-sampling mode at a first frequency, a second optical sensor configured to detect movement of the rotary encoder system relative to the second optical sensor wherein the second optical sensor is configured to operate in a strobe-sampling mode at a second frequency lower than the first frequency, and a processor arrangement configured to, based on the detected movement, determine a medicament dosage administered by the injection device.

Abstract: Consumer needs for life insurance benefits change over time, yet traditional individual insurance policies have a fixed death benefit. Embodiments disclosed herein are directed to a user interface that facilitates forecasting future benefits and premiums under user-defined assumptions to optimize the policy application process and coverage, and to system and method for administering life insurance policies with death benefits that are automatically, periodically adjusted, without requiring new underwriting, based on third-party data linked to the insured's specific life insurance need. Embodiments disclosed herein facilitate the alignment of life insurance benefits with an individual's need as those needs change over time regardless of their changing health status, ensuring coverage when the need increases while saving money on unnecessary premiums when the need is declining.

Abstract: This disclosure is directed to systems, methods, apparatuses, and techniques that utilize enhanced gesture-based input mechanisms to facilitate designing custom non-level life insurance benefits policies and supporting customized pricing. These technologies can be specially designed and configured to optimize creation, editing, and/or sharing of life insurance benefits policies. The technologies include multi-gesture functionalities that enable users to view and access various features. Other embodiments are disclosed.

Abstract: Consumer needs for life insurance benefits change over time, yet traditional individual insurance policies have a fixed death benefit. Embodiments disclosed herein are directed to a user interface that facilitates forecasting future benefits and premiums under user-defined assumptions to optimize the policy application process and coverage, and to system and method for administering life insurance policies with death benefits that are automatically, periodically adjusted, without requiring new underwriting, based on third-party data linked to the insured's specific life insurance need. Embodiments disclosed herein facilitate the alignment of life insurance benefits with an individual's need as those needs change over time regardless of their changing health status, ensuring coverage when the need increases while saving money on unnecessary premiums when the need is declining.

Abstract: Consumer needs for life insurance benefits change over time, yet traditional individual insurance policies have a fixed death benefit. Embodiments disclosed herein are directed to a system and method for administering life insurance policies with death benefits that are automatically, periodically adjusted, without requiring new underwriting, based on third-party data linked to the insured's specific life insurance need. Embodiments disclosed herein facilitate the alignment of life insurance benefits with an individual's need as those needs change over time regardless of their changing health status, ensuring coverage when the need increases while saving money on unnecessary premiums when the need is declining.

Abstract: An index-linked insurance product having an annual guarantee is implemented having a maximized hedged investment budget. A net premium payment is allocated to a fixed income investment and an annual fixed income yield is projected. The maximized hedged investment budget is determined by deducting from the projected annual fixed income a product spread and an estimated cost of the annual guarantee. The estimated cost of the annual guarantee is allocated to a risk fund. The maximized hedged investment budget is allocated to a hedged investment designed to generate proceeds for supporting index-linked earnings credited to the insurance product. Upon expiration of the product term, if the amount credited based on the index-linked earnings does not equal to at least the compounded annual guarantee, the amount credited is increased to be equal to the compounded annual guarantee. The increased credit may be supported using funds from the risk fund and other reserves.

Abstract: An index-linked insurance product having an annual guarantee is implemented having a maximized hedged investment budget. A net premium payment is allocated to a fixed income investment and an annual fixed income yield is projected. The maximized hedged investment budget is determined by deducting from the projected annual fixed income a product spread and an estimated cost of the annual guarantee. The deducted estimated cost of the annual guarantee is allocated to a risk fund. The maximized hedged investment budget is allocated to a hedged investment designed to generate proceeds for supporting index-linked earnings credited to the index-linked insurance product. Upon expiration of the product term, if the amount credited based on the index-linked earnings does not equal to at least the compounded annual guarantee, the amount credited is increased to be equal to the compounded annual guarantee. The increased credit may be supported using funds from the risk fund and other reserves if necessary.