Patents by Inventor Ryan Charland

Ryan Charland 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).

  • Increasing a policy value account of a life insurance policy based on an economic value of the policy
    Patent number: 8620695
    Abstract: The present disclosure describes, among other things, an example method for maintaining an account for a life insurance policy. The method may include determining an amount to apply to the account, the amount based at least in part on i) a plurality of first factors based on data for life insurance policies in a class of policies, wherein the class of policies includes the life insurance policy, and ii) a plurality of second factors based on data for an individual, wherein the individual is a policy holder of the life insurance policy. The method may include increasing at least a portion of the account by the amount.
    Type: Grant
    Filed: October 2, 2012
    Date of Patent: December 31, 2013
    Assignee: John Hancock Life Insurance Company (USA)
    Inventors: Daragh O'Sullivan, Ryan Charland