Patents by Inventor Geoff Gittins

Geoff Gittins 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).

  • Publication number: 20160055591
    Abstract: Excess returns on a portfolio that funds an LTC insurance policy may be shared with policyholders by determining an excess return for the portfolio, automatically determining interest credits for a policyholder based on the excess return, automatically determining insurance credits for the policyholder based on previous period gains or losses of the long-term care insurance policy and apportioned to individual policyholders, automatically determining potential earnings credits for the policyholder based on the determined interest credits and insurance credits, and automatically providing a benefit to the policyholder and updating a policyholder record maintained in a tangible non-transitory computer-readable storage based on the determined potential earnings credits.
    Type: Application
    Filed: August 19, 2015
    Publication date: February 25, 2016
    Inventors: David Ray Plumb, Daragh M. O'Sullivan, Geoff Gittins, A. Alex Silva, Bradley Scott Rokosh