Abstract: Techniques are disclosed to calculate a “life script.” The life script may include various behaviors and/or monetary allocations required for a user to meet one or more user-defined objectives. These objectives may indicate various lifestyle habits desired by the user such as where to live, a maximum commuting time to work, how often to travel, etc. Because each of these objectives requires the user to allocate his funds in a certain way and to live in accordance with a particular set of restraints, user information may be collected and aggregated from several sources to generate a user profile indicating the user's financial information, demographics, psychographics, and lifestyle information. The user profile may then be analyzed to calculate a constraint framework that guides the generation of a life script to allow the user to achieve the desired objectives.

Abstract: Techniques are disclosed to calculate a “life script.” The life script may include various behaviors and/or monetary allocations required for a user to meet one or more user-defined objectives. These objectives may indicate various lifestyle habits desired by the user such as where to live, a maximum commuting time to work, how often to travel, etc. Because each of these objectives requires the user to allocate his funds in a certain way and to live in accordance with a particular set of restraints, user information may be collected and aggregated from several sources to generate a user profile indicating the user's financial information, demographics, psychographics, and lifestyle information. The user profile may then be analyzed to calculate a constraint framework that guides the generation of a life script to allow the user to achieve the desired objectives.

Abstract: A set of one or more financial instruments corresponding to a particular affinity group of insurance policies may be created and offered. One or more parties may be procured as investors in at least a portion of the set of financial instruments, thereby securitizing the risk associated with the insurance policies. Profits and/or losses generated by the insurance policies of the affinity group corresponding to the financial instruments may be distributed in accordance with the terms of the financial agreement.

Abstract: Multiple insurance policies may be grouped or segmented into affinity groups, each of which corresponds to a respective risk level. A set of one or more financial instruments corresponding to a particular affinity group of insurance policies may be created and offered. One or more parties may be procured as investors in at least a portion of the set of financial instruments, thereby securitizing the risk associated with the insurance policies. Profits and/or losses generated by the insurance policies of the affinity group corresponding to the financial instruments may be distributed in accordance with the terms of the financial agreement.

Abstract: Techniques for initiating offers for insurance based upon medical diagnostic examinations may include, for each of a plurality of stored examination results: with a patient's or customer's affirmative consent or permission, (1) determining a health profile of a respective patient; (2) determining, based upon contents of the health profile, whether or not the patient is eligible for one or more offers of insurance; (3) providing the health profile of an eligible patient to one or more insurance providers; and/or (4) receiving one or more insurance offers that include binding quotes for insurance. Using the techniques disclosed herein, patients who have undergone medical examinations may be automatically selected and provided with insurance offers for which they have been pre-approved. The insurance offers may include binding quotes for insurance coverage. As a result, insurance or other cost savings may be provided to patients or other customers (e.g., parents of young patients).

Abstract: Techniques for initiating offers for insurance based upon medical diagnostic examinations may include, for each of a plurality of stored examination results: with a patient's or customer's affirmative consent or permission, (1) determining a health profile of a respective patient; (2) determining, based upon contents of the health profile, whether or not the patient is eligible for one or more offers of insurance; (3) providing the health profile of an eligible patient to one or more insurance providers; and/or (4) receiving one or more insurance offers that include binding quotes for insurance. Using the techniques disclosed herein, patients who have undergone medical examinations may be automatically selected and provided with insurance offers for which they have been pre-approved. The insurance offers may include binding quotes for insurance coverage. As a result, insurance or other cost savings may be provided to patients or other customers (e.g., parents of young patients).

Abstract: A computer-implemented method includes dividing insurance policies into multiple policy groups based at least upon one or more characteristics of the insurance policies and/or consumers, auctioning an opportunity to reinsure at least a portion of liabilities associated with one or more of the policy groups, receiving one or more bids for purchase and/or offers of reinsurance for the policy groups, accepting a winning bid of the one or more bids, and causing reinsurance to be provided for insurance policies associated with a particular policy group corresponding to the winning bid, thereby providing lower cost reinsurance and/or reinsurance that is more reflective of actual risk associated with the policies in the particular policy group.

Abstract: A computer-implemented method includes dividing consumers into multiple affinity groups based upon characteristics and preferences of the consumers, at least by analyzing the characteristics and/or preferences using a machine learning model. The method also includes auctioning an opportunity to provide insurance for one or more of the affinity groups, receiving one or more bids for purchase and/or offers of insurance for the one or more of the affinity groups, and accepting a winning bid.

Abstract: Blockchain techniques for providing insurance to an affinity group may include an enforcement server that receives a plurality of bidding actions (e.g., bid or no-bid) from a plurality of bidding entities in response to an auction of an opportunity to provide insurance for members of the affinity group. The server may compile transactions corresponding to the received bidding actions into a block of transactions (e.g., a round of bidding), distribute the block of transactions to validation entities to form a consensus on the highest bid, and update copies of a distributed ledger with the block of transactions. The server may identify a winning bid and provide affinity group member data to the winning bidding entity, thereby providing consumers with lower cost insurance and/or insurance that is more reflective of actual risk (or lack thereof). The affinity group may be updated over time and re-auctioned using the blockchain techniques.

Abstract: The techniques disclosed herein generally relate to providing insurance via an integrated investment and insurance account. An integrated account may have an owner, and may include an investment vehicle portion and an insurance policy portion. The investment vehicle portion may include or be associated with one or more investment vehicles via which the account owner may invest money and, based on the invested funds, the insurance policy portion may provide insurance for which the account owner is designated as the insured party. Premiums for the insurance policy portion may be borne by the operating expenses of the investment vehicle portion. Additionally, a payout or benefit amount of the insurance provided by such integrated accounts may be based on the value of accumulated assets under management of the investment vehicle portion at the time of the payout.

Abstract: The techniques disclosed herein generally relate to providing insurance via an integrated investment and insurance account. An integrated account may have an owner, and may include an investment vehicle portion and an insurance policy portion. The investment vehicle portion may include or be associated with one or more investment vehicles via which the account owner may invest money and, based on the invested funds, the insurance policy portion may provide insurance for which the account owner is designated as the insured party. Premiums for the insurance policy portion may be borne by the operating expenses of the investment vehicle portion. Additionally, a payout or benefit amount of the insurance provided by such integrated accounts may be based on the value of accumulated assets under management of the investment vehicle portion at the time of the payout.

Abstract: An intermediary entity may act on behalf of consumers to find Usage-Based Insurance (UBI) that best or optimally meet the consumers' UBI preferences and/or characteristics. Based upon an analysis of individual UBI consumer characteristics and/or preferences, each individual UBI consumer may be grouped with other UBI consumers having similar characteristics and/or UBI preferences. For at least one individual assigned a first UBI policy group or segment, intermediary entity may determine that a UBI preference or characteristic of the individual has changed, divide or segment the individual into a second UBI policy group or segment based on the changed UBI preference or characteristic, and update or provide a UBI policy for the individual associated with the second UBI policy group or segment.

Abstract: Techniques for obtaining and/or maintaining insurance coverage include receiving insurance policy preferences for a customer, storing the insurance policy preferences in a customer profile database, and using the insurance policy preferences to automatically obtain a first insurance policy from a first insurance provider, where the first insurance policy has (i) first policy features, and (ii) a first premium corresponding to a first policy term. Automatically obtaining the first insurance policy includes receiving, from each of a plurality of insurance provider computer systems associated with the plurality of respective insurance providers, a quote indicating one or more policy features corresponding to a policy term, selecting one of the quotes from the plurality of respective insurance providers based on the one or more policy features for the quote and the insurance policy preferences for the customer, and notifying the customer of the first insurance provider and the first premium.

Abstract: Techniques for obtaining and/or maintaining insurance coverage include receiving customer information for customers including insurance policy preferences or characteristics for each customer. These techniques further include grouping the customers into affinity groups by generating a set of preferences or characteristics for each affinity group, comparing the insurance policy preferences or characteristics for each customer to the set of preferences or characteristics for each affinity group, and assigning a customer to an affinity group in response to determining that at least a threshold number of insurance policy preferences or characteristics for the customer matches the set of preferences or characteristics for the affinity group. For at least one affinity group, an insurance provider is selected for providing an insurance policy to each of the customers in the affinity group, and each of the customers in the affinity group is notified of the selected insurance provider and the premium.

Abstract: When results of a medical diagnostic examination performed on a patient are initially or newly generated and stored into a medical diagnostic provider system, procurement of binding quotes of types of insurance that require a medical diagnostic exam to be performed and for which the patient is an insured party may be automatically initiated or triggered. Procurement of binding quotes may include, with customer or patient permission, generation of a health profile of the patient based upon the exam results, provision of the health profile to insurance providers (e.g., using an online auction), reception of binding quotes from at least some of the insurance providers, and acceptance of one of the binding quotes on behalf of the patient, thereby entering into a binding contract for insurance. Using the techniques disclosed herein, the patient may automatically be provided with approved insurance coverage upon completion of his or her medical examination.

Abstract: When results of a medical diagnostic examination performed on a patient are initially or newly generated and stored into a medical diagnostic provider system, procurement of binding quotes for health-related insurance that requires a medical diagnostic exam to be performed on potential insured parties may be automatically initiated or triggered. Procurement of binding quotes may include, with customer or patient permission, generation of a health profile of the patient based upon the examination results, provision of the health profile to one or more insurance providers (e.g., using an online auction), reception of one or more binding quotes from at least some of the insurance providers, and acceptance of one of the binding quotes on behalf of the patient, thereby entering into a binding contract for insurance. Using the techniques disclosed herein, the patient may automatically be provided with approved health-related insurance coverage upon completion of his or her medical examination.

Abstract: An entity may act, e.g., on behalf of consumers and/or providers of Autonomous Vehicles (AVs) to find insurance policy rates and/or other features that best or optimally meet AV insurance requirements and/or preferences. Based upon analyses of individual consumer and/or AV characteristics and/or insurance preferences, each consumer and/or each AV may be grouped with other insurance consumers and/or AVs having similar characteristics and/or insurance preferences. The AV insurance groupings may be offered for sale, e.g., through an online auction. When a winning bid for a particular AV insurance grouping is accepted, the insurance policies of the consumers and/or for the AVs corresponding to the particular AV grouping may be updated or new insurance policies may be provided, thereby providing consumers and/or providers of AVs with lower cost insurance and/or insurance that is more reflective of actual risk, or lack thereof. The AV insurance groups may be updated and re-auctioned.

Abstract: An intermediary entity may act on behalf of consumers to find Usage-Based Insurance (UBI) that best or optimally meet the consumers' UBI preferences and/or characteristics. Based upon an analysis of individual UBI consumer characteristics and/or preferences, each individual UBI consumer may be grouped with other UBI consumers having similar characteristics and/or UBI preferences. The UBI groupings of consumers may be offered for sale, such as through an online auction. When a winning bid is accepted for a particular UBI grouping, the UBI policies of the consumers associated with the particular UBI grouping may be updated or new UBI policies may be provided thereto, thereby providing lower cost UBI and/or UBI that is more reflective of actual risk (or lack thereof) to the insureds associated with the particular UBI grouping. The UBI consumer groupings may be updated over time and re-auctioned.

Abstract: Techniques are disclosed to calculate a “life script.” The life script may include various behaviors and/or monetary allocations required for a user to meet one or more user-defined objectives. These objectives may indicate various lifestyle habits desired by the user such as where to live, a maximum commuting time to work, how often to travel, etc. Because each of these objectives requires the user to allocate his funds in a certain way and to live in accordance with a particular set of restraints, user information may be collected and aggregated from several sources to generate a user profile indicating the user's financial information, demographics, psychographics, and lifestyle information. The user profile may then be analyzed to calculate a constraint framework that guides the generation of a life script to allow the user to achieve the desired objectives.

Abstract: In a computer-implemented method, customer information may be received. The customer information may be used, with the customer's permission, to automatically obtain for the customer a first insurance policy from a first insurance provider, the first insurance policy having first policy features and a first premium corresponding to a first policy term. The customer may be notified of the first insurance provider and the first premium. In response to automatically determining that the first policy term is nearing expiration, the customer information may be used, again with customer permission, to automatically obtain for the customer a second insurance policy from a second insurance provider, the second insurance policy having second policy features and a second premium corresponding to a second policy term subsequent to the first policy term. The customer may be presented the second insurance policy via wireless communication on their mobile device for their review and approval.