Abstract: A system for managing an insurance scheme includes a calculation module to, on the occurrence of an insured event for an insured person, calculate a subsidy for expenses for the insured person or a nominated beneficiary. The subsidy is calculated by accessing data defining a plurality of categories of expenses and determining for each category a spend amount. The spend amount is either an average historical spend amount over a period of time prior to the insured event or an actual spend amount for a period of time after the insured event. A percentage is then calculated using the insured person's participation with a wellness program. Finally, the amount of the subsidy is calculated by multiplying the percentage by the spend amount. A payment module effects payment of the subsidy to the insured person, the nominated beneficiary or a third party goods or services provider.

Abstract: A method of managing an insurance policy includes defining a plurality of mechanisms to protect an insured person from adverse financial outcomes. A selection of at least one of the plurality of mechanism is received from the insured person and stored the selection in a memory. On the occurrence of an insured event, the stored selection is retrieved and a basic insurance amount to be paid to the insured person based on an insurance policy of the insured person is calculated. The method then includes determining based on the stored selection of mechanisms if the insured person has suffered any adverse financial outcomes since the inception of the policy and if so then calculating a further financial protector amount to be paid to the insured person based on the stored selection of mechanisms. Finally, the basic insurance amount and further financial protector amount are paid to the insured person or their nominated beneficiary.

Abstract: A system for managing an insurance scheme includes a benefit module to define at least one insured event for an insured person and to define at least one benefit to be paid out on the occurrence of one of the insured events. A calculation module alters the at least one benefit based on a) a time factor; and b) the life impact of the insured event on the insured person. An awards module, on the occurrence of the at least one insured event, provides the at least one altered benefit to the insured person.

Abstract: A method of managing an investment of a policyholder which corresponds to a sum assured is described. The invention has particular application to life insurance. The policyholder selects a basic sum assured, and a periodic basic premium corresponding to the basic sum assured is calculated. The basic sum assured is linked to one or more financial indices so that the value of the total sum assured increases or decreases with changes in the value of the indices. An additional premium is calculated based on the cost of the linking, and a composite periodic premium is calculated. By using derivative instruments, the policyholder's investment corresponds to the actual sum assured from inception of the policy, compared with conventional schemes which involve the periodic investment of the policyholder's contributions.

Abstract: A navigation system comprises at least one processor, a satellite navigation receiver operatively coupled to the processor and configured to receive a plurality of navigation signals from one or more navigation satellites, and an inertial measurement unit operatively coupled to the processor and configured to generate inertial measurement data. An extended Kalman filter is configured to receive the plurality of navigation signals and the inertial measurement data. A processor readable storage medium includes instructions executable by the processor to combine the plurality of satellite signals with the inertial measurement data in the extended Kalman filter to generate a navigation solution. The plurality of navigation signals includes L1 pseudorange measurements, L2 pseudorange measurements, L1 accumulated carrier phase measurements, and L2 accumulated carrier phase measurements.

Abstract: A method and system for managing an investment on behalf of an investor includes a monitoring module to monitor the performance of an investment over a period of time, the investment being an investment managed by an investment manager on behalf of an investor. A comparator module compares the performance of the investment with the performance of other similar types of investments for the period of time and a fee performance module determines a fee refund payment to the investor in the event that the performance of the investment in the period of time falls by a predetermined level below similar funds ranked by performance. A payments module effects the extra payment from the investment manager to the investor.

Abstract: A system for managing an investment on behalf of an investor includes a monitoring module to monitor the performance of an investment over a predetermined period of time. A calculation module calculates an amount of tax owing based on the performance of the investment for the period of time. A payments module effects a payment to the investor wherein the payment is the amount of tax owing or a percentage of the amount of tax owing and wherein the payment is only effected if the investor does not withdraw the investment before the predetermined period of time.

Abstract: A method and a system for managing an investment on behalf of an investor includes a monitoring module to monitor the performance of an investment over a period of time, the investment being an investment managed by an investment manager on behalf of an investor. A comparator module compares the performance of the investment with the performance of other similar types of investments for the period of time and a booster module to determine an extra payment from the investment manager to the investor in the event that the performance of the investment is not as good as the performance of the other similar types of investments for the period of time. A payments module effects the extra payment from the investment manager to the investor.

Abstract: A system for managing an insurance scheme, the system including a benefit module to define at least one insured event for an insured person and to define at least one benefit to be paid out on the occurrence of one of the insured events. A monitoring module monitors the compliance of the insured person with a wellness program. A calculation module alters the at least one benefit based on the degree of participation of the insured person with the wellness programme and an awards module, on the occurrence of the at least one insured event, provides the at least one altered benefit to the insured person.

Abstract: A method of managing an insurance policy includes defining a plurality of mechanisms to protect an insured person from adverse financial outcomes. A selection of at least one of the plurality of mechanism is received from the insured person and stored the selection in a memory. On the occurrence of an insured event, the stored selection is retrieved and a basic insurance amount to be paid to the insured person based on an insurance policy of the insured person is calculated. The method then includes determining based on the stored selection of mechanisms if the insured person has suffered any adverse financial outcomes since the inception of the policy and if so then calculating a further financial protector amount to be paid to the insured person based on the stored selection of mechanisms. Finally, the basic insurance amount and further financial protector amount are paid to the insured person or their nominated beneficiary.

Abstract: A method of managing an insurance policy includes storing in a memory a policy inception interest rate level which is an interest rate level payable on debt of the insured person. After the policy inception an interest rate level payable on debt of the insured person at that time is determined and compared with the inception interest rate level. If the determined interest rate level is higher than the inception interest rate level then a debt protector amount to be paid to the insured person is calculated and on the occurrence of an insured event the debt protector amount is paid to the insured person or their nominated beneficiary.

Abstract: Methods of connecting a coaxial connector and a terminal include providing a coaxial connector with a coupler, the coupler having a seal member in contacting relationship with the coupler such that the seal member is coaxial with the coupler about a longitudinal axis, affixing the coupler to the terminal and after the coupler is affixed to the terminal, sliding the seal member longitudinally toward, and into contact with, the terminal. When in a tightening position, the seal member covers an engagement surface of the coupler, and wherein when in a deployed position, the seal member contacts at least a portion of the terminal.

Abstract: A chain tensioner for use on a chain drive system is disclosed which has a housing open at both ends. Into the housing, a cartridge is inserted, the cartridge having including a body with a cylinder within and a piston. A retention system is provided to substantially prevent the body of the cartridge from moving with respect to the housing. Such a retention system, in one embodiment, includes a lip at a first end of the body and a groove on a second end of the body. The lip serves as a stop to prevent the body of the cartridge from moving axially beyond the stop in one direction. A clip is interlocked into the groove on the second end of the body of the cartridge to prevent movement in the opposite direction.

Abstract: A method of making a coaxial cable assembly is disclosed, the assembly comprising a coaxial cable and a connector, or connector termination, at least one end of the cable. A connector, comprised of connector components, is also disclosed. The method comprises placing connector components into contact with the cable before the connector components are assembled into a connector. The connector is assembled simultaneously with securing the connector to the cable to make a coaxial cable assembly. A method of preparing coaxial cable in a manner suitable for making coaxial cable assemblies is also disclosed. The coaxial cable assembly can be a jumper, or a lead.

Abstract: A method of managing an insurance scheme includes defining a plurality of categories of living expenses. Defining a plurality of life changing events. On the occurrence of a life changing event for an insured person of the scheme, at least partially subsidising expenses in the category of living expenses for the insured person or a nominated beneficiary of the insured person.

Abstract: A system for managing an insurance scheme includes an event module for defining at least one insured event for an insured person. A calculation module calculates at least one benefit to be paid out on the occurrence of the at least one insured event wherein the amount of the at least one benefit is adjusted depending on the number of dependents of the insured person. Finally, an awards module, on the occurrence of the at least one insured event, provides the calculated at least one benefit to the insured person.

Abstract: A system for managing an insurance scheme includes a benefit module to define at least one insured event for an insured person and to define at least one benefit to be paid out on the occurrence of one of the insured events. A calculation module alters the at least one benefit based on a) a time factor; and b) the life impact of the insured event on the insured person. An awards module, on the occurrence of the at least one insured event, provides the at least one altered benefit to the insured person.

Abstract: A system for managing an insurance scheme includes a calculation module to, on the occurrence of an insured event for an insured person, calculate a subsidy for expenses for the insured person or a nominated beneficiary. The subsidy is calculated by accessing data defining a plurality of categories of expenses and determining for each category a spend amount. The spend amount is either an average historical spend amount over a period of time prior to the insured event or an actual spend amount for a period of time after the insured event. A percentage is then calculated using the insured person's participation with a wellness programme. Finally, the amount of the subsidy is calculated by multiplying the percentage by the spend amount. A payment module effects payment of the subsidy to the insured person, the nominated beneficiary or a third party goods or services provider.