Patents by Inventor Robert J. Hebron

Robert J. Hebron 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).

  • METHODS AND SYSTEMS FOR PROVIDING AND UNDERWRITING LIFE INSURANCE BENEFITS CONVERTIBLE INTO OTHER BENEFITS
    Publication number: 20150161739
    Abstract: Method and system for providing a insurance policy with convertible benefits. The method includes receiving information to determine a first type of benefit which will be provided under a first type of insurance, a second type of benefit to be provided under a second type of insurance policy, and a conversion event. The method further includes computing a premium for an insurance policy which provides the first benefit before the conversion event and the second benefit after the occurrence of the conversion event, and the issuance of an insurance policy based on the computed premium.
    Type: Application
    Filed: June 30, 2014
    Publication date: June 11, 2015
    Inventors: Robert J. Hebron, Craig L. Desanto, Nicholas E. Pasyanos
  • Methods and systems for providing and underwriting life insurance benefits convertible into other benefits
    Patent number: 8768730
    Abstract: Method and system for providing a insurance policy with convertible benefits. The method includes receiving information to determine a first type of benefit which will be provided under a first type of insurance, a second type of benefit to be provided under a second type of insurance policy, and a conversion event. The method further includes computing a premium for an insurance policy which provides the first benefit before the conversion event and the second benefit after the occurrence of the conversion event, and the issuance of an insurance policy based on the computed premium.
    Type: Grant
    Filed: February 8, 2006
    Date of Patent: July 1, 2014
    Assignee: New York Life Insurance Company
    Inventors: Robert J. Hebron, Craig L. DeSanto, Nicholas E. Pasyanos
  • Methods and Systems for Providing and Underwriting Life Insurance Benefits Convertible into Other Benefits
    Publication number: 20070185741
    Abstract: Method and system for providing a insurance policy with convertible benefits. The method includes receiving information to determine a first type of benefit which will be provided under a first type of insurance, a second type of benefit to be provided under a second type of insurance policy, and a conversion event. The method further includes computing a premium for an insurance policy which provides the first benefit before the conversion event and the second benefit after the occurrence of the conversion event, and the issuance of an insurance policy based on the computed premium.
    Type: Application
    Filed: August 18, 2006
    Publication date: August 9, 2007
    Inventors: Robert J. Hebron, Craig L. Desanto, Nicholas E. Pasyanos