Patents by Inventor Christopher Benedict Cramer

Christopher Benedict Cramer has filed for patents to protect the following inventions. This listing includes patent applications that are pending as well as patents that have already been granted by the United States Patent and Trademark Office (USPTO).

  • Patent number: 8296208
    Abstract: Disclosed is a novel insurance product that provides an accelerated death benefit to the insured individual. The insurance product contains a lifeaccess accelerated benefit feature that allows the insured individual to file a claim and receive benefits under a life insurance product if the insured individual becomes chronically or terminally ill.
    Type: Grant
    Filed: June 6, 2011
    Date of Patent: October 23, 2012
    Assignee: Hartford Fire Insurance Company
    Inventors: Stephen Roche, Michael J. Roscoe, Dawn M. LeBlanc, Christopher Benedict Cramer, Lisa Michelle Proch
  • Publication number: 20110238453
    Abstract: Disclosed is a novel insurance product that provides an accelerated death benefit to the insured individual. The insurance product contains a lifeaccess accelerated benefit feature that allows the insured individual to file a claim and receive benefits under a life insurance product if the insured individual becomes chronically or terminally ill.
    Type: Application
    Filed: June 6, 2011
    Publication date: September 29, 2011
    Applicant: HARTFORD FIRE INSURANCE COMPANY
    Inventors: Stephen Roche, Michael Roscoe, Dawn M. LeBlanc, Christopher Benedict Cramer, Lisa Michelle Proch
  • Publication number: 20110166896
    Abstract: A method for processing data related to a life insurance product having a death benefit amount payable to a beneficiary upon death of an insured includes receiving data indicative of certification that the insured is chronically ill, and responsive to receipt of the data indicative of the certification, providing output signals having data indicative of instructions to pay an owner of the life insurance product periodic payments, during the lifetime of the insured, each of which periodic payments reduces the death benefit amount.
    Type: Application
    Filed: March 18, 2011
    Publication date: July 7, 2011
    Applicant: HARTFORD FIRE INSURANCE COMPANY
    Inventors: Stephen Roche, Michael Roscoe, Dawn M. LeBlanc, Christopher Benedict Cramer, Lisa Michelle Proch
  • Patent number: 7958035
    Abstract: Disclosed is a novel insurance product that provides an accelerated death benefit to the insured individual. The insurance product contains a lifeaccess accelerated benefit feature that allows the insured individual to file a claim and receive benefits under a life insurance product if the insured individual becomes chronically or terminally ill.
    Type: Grant
    Filed: December 13, 2007
    Date of Patent: June 7, 2011
    Assignee: Hartford Fire Insurance Company
    Inventors: Stephen Roche, Michael Roscoe, Dawn M. Leblanc, Christopher Benedict Cramer, Lisa Michelle Proch
  • Publication number: 20080147447
    Abstract: Disclosed is a novel insurance product that provides an accelerated death benefit to the insured individual. The insurance product contains a lifeaccess accelerated benefit feature that allows the insured individual to file a claim and receive benefits under a life insurance product if the insured individual becomes chronically or terminally ill.
    Type: Application
    Filed: December 13, 2007
    Publication date: June 19, 2008
    Inventors: Stephen Roche, Michael Roscoe, Dawn M. Leblanc, Christopher Benedict Cramer, Lisa Mionelle Proch