Abstract: A computer system for administering a life insurance policy is configured to, responsive to receipt of certification that the insured has either loss of ability to perform two activities of daily living or cognitive impairment, provide instructions to pay an owner of the policy, in periodic payments, an accelerated benefit, the accelerated benefit being in an amount less than the death benefit, a first of the periodic payments being for a time period commencing on a date of receipt of the certification, and continuing until the insured no longer has the loss of ability to perform two activities of daily living or cognitive impairment. The system is further configured to, responsive to each of the periodic payments, determine a reduction of the amount of the death benefit by an amount of each of the periodic payments.

Abstract: Pursuant to some embodiments, a computer system for pricing a paycheck term policy is provided which includes a processor, a communication device in communication with the processor the communication device configured to receive an input data set, the input data set including at least an issue age of an insured associated with the policy, a desired death benefit payment amount, an underwriting class associated with the insured, and an interest rate factor.

Abstract: A computer system for processing data related to an universal life insurance policy issued by an issuer to an owner and having a death benefit payable to a beneficiary on death of an insured, includes a data storage device storing data indicative of rates and formulas applicable to the policy, and a processor in communication with the data storage device.

Abstract: Pursuant to some embodiments, a computer system for pricing a paycheck term policy is provided which includes a processor, a communication device in communication with the processor and receiving an input data set, the input data set including at least an issue age of an insured associated with the policy, a desired death benefit payment amount, an underwriting class associated with the insured, and an interest rate factor.

Abstract: A computer system for administering a life insurance policy is configured to, responsive to receipt of certification that the insured has either loss of ability to perform two activities of daily living or cognitive impairment, provide instructions to pay an owner of the policy, in periodic payments, an accelerated benefit, the accelerated benefit being in an amount less than the death benefit, a first of the periodic payments being for a time period commencing on a date of receipt of the certification, and continuing until the insured no longer has the loss of ability to perform two activities of daily living or cognitive impairment. The system is further configured to, responsive to each of the periodic payments, determine a reduction of the amount of the death benefit by an amount of each of the periodic payments.

Abstract: A computer system for administering a last survivor life insurance policy paying a death benefit on the death of the last survivor of insureds, includes a processor; and a memory storage device in communication with the processor. The processor is adapted to: determine at least one variable of a feature related to the policy based on a mortality charge based on, for each future year of the policy, a sum of the statistical likelihoods of the deaths of each of the insureds determined as of the policy issue date; store data indicative of the determined variable; output a signal having data indicative of the determined variable; access data indicative of whether any of the insureds is deceased; if all of the insureds are deceased, access data indicative of the death benefit amount under the policy and an identity of a beneficiary, the identity including at least a name and address; and output a signal having data indicative of the amount of the death benefit under policy and the identity of the beneficiary.

Abstract: A hybrid robot (10) for industrial applications comprises an articulated arm assembly (12) pivoted to a turntable assembly (14) mounted for rotation on a base assembly (16). The arm assembly (12) includes an upper arm (26) pivoted to a lower arm (30). A tool adaptor (52) is connected to the upper arm (26) by a wrist assembly (54). A pantograph linkage interconnects the wrist assembly (54), upper arm (26), and lower arm (30) so that the tool adaptor is normally maintained in constant orientation during movement of the arm assembly (12), subject to overriding control by actuators (122, 124). Pivotal movement of the arm assembly (12) is controlled by independent actuators (118, 120) which can be selectively coupled to the arms (26, 30) at different combinations of predetermined points (38, 40, 44, 46, 48) to facilitate adjustment of the work envelope.

Abstract: A spin on fuel water separator having a filter element attached within an electrically grounded housing, means are provided for supplying an electrical potential to the filter element and the filter element is electrically insulated from the housing. Separated water is stored within the housing, and when separated water accumulates within the housing so as to contact the filter element, a current flow through the filter element, the reservoir and the housing is indicated. The housing includes a reservoir bowl provided with a warming coil which allows separated sludge and water to be warmed prior to removal from the device. An optional embodiment includes a means for detecting and indicating a restricted filter element.

Abstract: A spin on fuel water separator having a filter element attached within an electrically grounded housing, a circuit (50) is provided for supplying an electrical potential to the filter element and the filter element is electrically insulated from the housing. Separated water is stored within the housing, and when separated water accumulates within the housing so as to contact the filter element, a current flow through the filter element, the water in the reservoir and the housing is indicated. An optional embodiment includes a pressure drop detector for detecting and indicating a restricted filter element.

Abstract: A radial tube centrifugal fan is disclosed. The fan is assembled from a first mating half (12) having a planar backing plate (16) with a group of half tubes (52) extending in spoke-like fashion from the plate and separated by webbing members (56), attached to a second mating half (14) having an axial inlet opening (18) and a like group of half tubes (54) and webbing members (58). The assembled fan has an inlet port (18) and a plurality of radially extending outlet tubes (26) formed from the mating half tubes and which are curved in a direction away from the preferred direction of fan rotation.