Patents by Inventor Matthew D. Karam

Matthew D. Karam 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).

  • Determining premiums for life insurance policies
    Patent number: 8332244
    Abstract: The present disclosure describes determining a premium for a life insurance policy. One or more methods and systems include combining a determination of a mortality risk with a determination of a future lapse risk for an individual to yield the premium for the life insurance policy.
    Type: Grant
    Filed: May 10, 2011
    Date of Patent: December 11, 2012
    Assignee: United Services Automobile Association (USAA)
    Inventors: Matthew D. Karam, Michael A. Belko, Angela L. Fahrenthold, Regina E. Hirner, Kristin J. Kuhn, Shawn T. Loftus, Jiemin L. Math, Jeremy S. May, James G. Miranda, Christopher C. Ogburn, Richard E. Wintheiser