Patents by Inventor Robert W. Stem

Robert W. Stem 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).

  • System for apparaising life insurance and annuities
    Publication number: 20100145735
    Abstract: A method and system of appraising a life insurance or annuity product includes receiving a request for a life insurance or annuity product and information about a party requesting the life insurance or annuity product; preparing a bid solicitation for the life insurance or annuity product based on the request and information and transmitting the bid solicitation to a plurality of product carriers; a plurality of product carriers submitting initial proposals for providing the life insurance or annuity product; generating ratings for the initial proposals, respectively; and generating appraisals for the initial proposals; and informing the product carriers of the decision.
    Type: Application
    Filed: November 23, 2009
    Publication date: June 10, 2010
    Inventors: Errol O. Kendall, James C. Brooks, JR., Robert W. Stem, Douglas A. French, Francis de Regnaucourt, Sharyn R. Kohen, Charles L. Ratner, Anson J. Glacy, JR.