Insurance method
First Claim
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1. / An insurance method comprising the following steps:
- establishing a contract between a client to be insured and an insurer ready to insure the client against possible claims, in which contract the client pays the insurer an initial sum covering at least the costs of insurance over a predetermined duration;
investing at least a portion of said initial sum so that the invested sum earns income; and
at the end of the said predetermined duration, reimbursing the client with a sum that is a function of the income earned by the investment made by the insurer and of the claims the insurer has had to indemnify during said predetermined duration.
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Abstract
An insurance method comprising the following steps:
establishing a contract between a client to be insured and an insurer ready to insure the client against possible claims, in which contract the client pays the insurer an initial sum covering at least the costs of insurance over a predetermined duration;
investing at least a portion of said initial sum so that the invested sum earns income; and
at the end of the said predetermined duration, reimbursing the client with a sum that is a function of the income earned by the investment made by the insurer and of the claims the insurer has had to indemnify during said predetermined duration.
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Citations
16 Claims
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1. / An insurance method comprising the following steps:
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establishing a contract between a client to be insured and an insurer ready to insure the client against possible claims, in which contract the client pays the insurer an initial sum covering at least the costs of insurance over a predetermined duration;
investing at least a portion of said initial sum so that the invested sum earns income; and
at the end of the said predetermined duration, reimbursing the client with a sum that is a function of the income earned by the investment made by the insurer and of the claims the insurer has had to indemnify during said predetermined duration. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14)
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15. / A system for issuing an insurance policy, the system comprising:
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means for inputting the duration of the contract;
means for inputting the nature of the property to be insured;
means for calculating, where appropriate, the total of the premiums due during the duration of the contract, as a function of the nature of the property to be insured;
means for inputting the amount of an initial sum paid by a client;
means for delivering information relating to the earnings that can be made to the advantage of the client by an investment relating to at least a fraction of the initial sum and made by the insurer; and
means for printing an insurance policy including at least the duration of the contract, the amount of the initial sum paid by the client, the nature of the property, and information relating to the income that can be earned by said investment.
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16. / An insurance policy comprising:
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a contract duration;
the amount of an initial sum paid by the client;
the nature of the property insured; and
information relating to the income that can be earned to the benefit of the client by an investment relating to at least a fraction of the initial sum paid by the client.
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Specification