Systems and methods for processing insurance information

• US 20040128171A1
• Filed: 12/31/2002
• Published: 07/01/2004
• Est. Priority Date: 12/31/2002
• Status: Abandoned Application

• Current Assignee: Genworth Holdings, Inc. (Genworth Financial Incorporated)
• Original Assignee: Genworth Holdings, Inc. (Genworth Financial Incorporated)
• Inventors: Pollock, Mark R., Rees, Timothy E.
• Application Number:
  US10/331,460
• Publication Number:
  US 20040128171A1
• Time in Patent Office: Days
• US Class Current: 705/4
• CPC Class Codes: G06Q 30/02 Marketing; Price estimation or determination; Fundraising
• CPC Class Codes: G06Q 40/08 Insurance

Abstract

The invention includes systems and methods for providing insurance information from an insurance provider to a plurality of insurance agents disposed at respective insurance agent interface portions, the insurance agents working with respective clients. The system may include an insurance entity that is in the business of providing insurance, the insurance entity including an insurance tool; a first insurance agent interface portion, the insurance agent interface portion associated with a respective first insurance agent; a second insurance agent interface portion, the insurance agent interface portion associated with a respective second insurance agent; and a communication system that provides communication between the insurance tool and the insurance agent interface portion. The first insurance agent interface portion inputs insurance request information from the first insurance agent and forwards the insurance request information to the insurance tool over the communication system, and in response, the insurance tool outputs first customized insurance information to the first insurance agent interface portion over the communication system. The insurance tool generates the first customized insurance information based on dissecting internet address requests received from the first insurance agent interface portion. The system may also include a blocking portion to block undesired access by an agent.

Claims

1. A system for providing insurance information from an insurance provider to a plurality of insurance agents disposed at respective insurance agent interface portions, the insurance agents working with respective clients, the system comprising:

an insurance entity that is in the business of providing insurance, the insurance entity including an insurance tool;

a first insurance agent interface portion, the insurance agent interface portion associated with a respective first insurance agent;

a second insurance agent interface portion, the insurance agent interface portion associated with a respective second insurance agent; and

a communication system that provides communication between the insurance tool and the insurance agent interface portion;

the first insurance agent interface portion inputs insurance request information from the first insurance agent and forwards the insurance request information to the insurance tool over the communication system, and in response, the insurance tool outputs first customized insurance information to the first insurance agent interface portion over the communication system; and

wherein the insurance tool generates the first customized insurance information based on dissecting internet address requests received from the first insurance agent interface portion.

2. The system of claim 1, wherein the communication system is the internet.

3. The system of claim 1, wherein the insurance request information from the first insurance agent interface portion is a request for an insurance quote, the insurance tool providing customized web pages to the first insurance agent based on dissecting the internet address requests so as to provide the insurance quote.

4. The system of claim 1, wherein the insurance request information from the first insurance agent interface portion is a request for an insurance quote, the insurance tool providing customized web pages to the first insurance agent based on dissecting the internet address requests so as to provide the insurance quote;

and

wherein the insurance tool provides insurance quote information to the first insurance agent interface portion prior to performing an agent validation process; and

the insurance tool provides insurance plan information to the first insurance agent interface portion subsequent to performing an agent validation process.

5. The system of claim 1, wherein the insurance tool provides insurance quote information to the first insurance agent interface portion prior to performing an agent validation process, the insurance tool then converting the insurance quote information, after agent validation, to support an insurance plan.

6. The system of claim 5, wherein insurance plan information is forwarded to a fulfillment center subsequent to acceptance by the first insurance agent interface portion.

7. The system of claim 6, wherein the insurance tool logs the forwarding of the insurance plan information in a log data base, the log data base associated with the insurance tool.

8. The system of claim 1, wherein the insurance tool includes a blocking portion, the blocking portion performing a blocking process on the insurance request information received from the first insurance agent interface portion, the blocking process comparing data in the insurance request information with data in a blocking database associated with the insurance tool, the insurance tool terminating securement of an insurance plan by the first insurance agent interface portion if a match is determined.

9. The system of claim 8, wherein the blocking portion operates in conjunction with the first insurance agent performing a log-in process, the blocking portion comparing an agent number provided by the first insurance agent with a bad agent number list to identify a possible match.

10. The system of claim 8, wherein the blocking portion compares information regarding an appointment status, which is input by the first insurance agent, with acceptable appointment status criteria which is stored in the blocking database.

11. The system of claim 1, wherein the second insurance agent interface portion inputs insurance request information from the second agent and forwards the insurance request information to the insurance tool over the communication system, and in response, the insurance tool outputs second customized insurance information to the second insurance agent interface portion over the communication system;

and

wherein the insurance tool generates the second customized insurance information based on dissecting internet address requests received from the second insurance agent interface portion, and wherein the internet address requests include a respective agency code identifying to which agency the second insurance agent belongs.

12. The system of claim 1, wherein the internet address requests received from the first insurance agent interface portion include an insurance criteria string, a disclaimer string and a state material string.

13. The system of claim 1, wherein the internet address requests received from the first insurance agent interface portion include a string of numbers that control the footer that is displayed in the first customized insurance information generated by the insurance tool, the footer being different for different agencies, the first customized insurance information being a generated web page.

14. The system of claim 2, wherein the first insurance agent interface portion is disposed on an intranet, and the intranet transmits URL requests from the first insurance agent interface portion to the insurance tool, the intranet further transmitting responsive web pages received from the insurance tool back to the first insurance agent interface portion.

15. The system of claim 14, wherein the intranet is maintained by an agency to which the first insurance agent belongs.

16. The system of claim 1, wherein a super administrator user and a general administrator user, who are associated with the insurance tool, change operating parameters of the insurance tool, the super administrator user having greater access rights as compared to the general administrator user.

17. The system of claim 16, wherein the super administrator updates state appointment requirements in a blocking database so as to monitor appointment criteria of the first insurance agent.

18. A system for providing insurance information from an insurance provider to a plurality of insurance agents disposed at respective insurance agent interface portions, the insurance agents working with respective clients, the system comprising:

an insurance entity that is in the business of providing insurance, the insurance entity including an insurance tool;

a first insurance agent interface portion, the insurance agent interface portion associated with a respective first insurance agent;

a second insurance agent interface portion, the insurance agent interface portion associated with a respective second insurance agent; and

a communication system that provides communication between the insurance tool and the insurance agent interface portion;

the first insurance agent interface portion inputs insurance request information from the first agent and forwards the insurance request information to the insurance tool over the communication system, and in response, the insurance tool outputs first customized insurance information to the first insurance agent interface portion over the communication system; and

wherein the insurance tool includes a blocking portion, the blocking portion performing a blocking process on the insurance request information received from the first insurance agent interface portion, the blocking process comparing data in the insurance request information with data in a blocking database associated with the insurance tool, the insurance tool terminating securement of an insurance plan by the first insurance agent interface portion if a match is determined.

19. The system of claim 18, wherein the blocking portion operates in conjunction with the first insurance agent performing a log-in process, the blocking portion comparing an agent number provided by the first insurance agent with a bad agent number list to identify a possible match.

20. The system of claim 18, wherein the blocking portion compares information regarding an appointment status, which is input by the first insurance agent, with acceptable appointment status criteria which is stored in the blocking database.

21. A system for providing insurance information from an insurance provider to a plurality of insurance agents disposed at respective insurance agent interface portions, the insurance agents working with respective clients, the system comprising:

an insurance entity that is in the business of providing insurance, the insurance entity including an insurance tool;

a first insurance agent interface portion, the insurance agent interface portion associated with a respective first insurance agent;

a second insurance agent interface portion, the insurance agent interface portion associated with a respective second insurance agent; and

a communication system that provides communication between the insurance tool and the insurance agent interface portion;

the first insurance agent interface portion inputs insurance request information from the first agent and forwards the insurance request information to the insurance tool over the communication system, and in response, the insurance tool outputs first customized insurance information to the first insurance agent interface portion over the communication system; and

wherein the insurance tool generates the first customized insurance information based on dissecting internet address requests received from the first insurance agent interface portion; and

wherein the insurance tool includes a blocking portion, the blocking portion performing a blocking process on the insurance request information received from the first insurance agent interface portion, the blocking process comparing data in the insurance request information with data in a blocking database associated with the insurance tool, the insurance tool terminating securement of an insurance plan by the first insurance agent interface portion if a match is determined.

22. A method for providing insurance information from an insurance provider to a plurality of insurance agents disposed at respective insurance agent interface portions, the insurance agents working with respective clients, the method comprising:

providing an insurance entity that is in the business of providing insurance, the insurance entity including an insurance tool;

providing a first insurance agent interface portion, the insurance agent interface portion associated with a respective first insurance agent;

providing a second insurance agent interface portion, the insurance agent interface portion associated with a respective second insurance agent; and

providing a communication system that provides communication between the insurance tool and the first insurance agent interface portion;

inputting, by the first insurance agent interface portion, insurance request information from the first agent;

forwarding the insurance request information to the insurance tool over the communication system using an internet address request, and in response;

outputting, by the insurance tool, first customized insurance information to the first insurance agent interface portion over the communication system; and

wherein the insurance tool generates the first customized insurance information based on dissecting the internet address request received from the first insurance agent interface portion.

23. The method of claim 22, further including the insurance tool performing a blocking process including:

comparing data in the insurance request information with data in a blocking database associated with the insurance tool; and

terminating securement of an insurance plan by the first insurance agent interface portion if a match is determined.

24. A method for providing insurance information from an insurance provider to a plurality of insurance agents disposed at respective insurance agent interface portions, the insurance agents working with respective clients, the method comprising:

providing an insurance entity that is in the business of providing insurance, the insurance entity including an insurance tool;

providing a first insurance agent interface portion, the insurance agent interface portion associated with a respective first insurance agent;

providing a second insurance agent interface portion, the insurance agent interface portion associated with a respective second insurance agent; and

providing a communication system that provides communication between the insurance tool and the first insurance agent interface portion;

inputting, by the first insurance agent interface portion, insurance request information from the first insurance agent;

forwarding the insurance request information to the insurance tool over the communication system using an internet address request, and in response;

outputting, by the insurance tool, first customized insurance information to the first insurance agent interface portion over the communication system; and

wherein the insurance tool generates the first customized insurance information based on dissecting the internet address request received from the first insurance agent interface portion; and

;

comparing data in the insurance request information with data in a blocking database associated with the insurance tool; and

terminating securement of an insurance plan by the first insurance agent interface portion if a match is determined between data in the insurance request information and data in a blocking database.