Preneed insurance services system

• US 20050197866A1
• Filed: 03/04/2005
• Published: 09/08/2005
• Est. Priority Date: 03/04/2004
• Status: Abandoned Application

• Current Assignee: Hill J. Craig, Joe Salcedo, Marion Anandappa
• Original Assignee: Hill J. Craig, Joe Salcedo, Marion Anandappa
• Inventors: Hill, J. Craig, Salcedo, Joe, Anandappa, Marion
• Application Number:
  US11/072,664
• Publication Number:
  US 20050197866A1
• Time in Patent Office: Days
• US Class Current: 705/4
• CPC Class Codes: G06Q 40/00 Finance; Insurance; Tax strategies; Processing of corporate or income taxes
• CPC Class Codes: G06Q 40/08 Insurance

Abstract

The present invention provides a system, method, and computer-readable medium for providing preneed services. The preneed insurance services system includes a data processing unit, a customer data storage unit, a quote data storage unit, and an insurance data storage unit. The data processing unit receives customer information from a user interface. The customer information is stored and preneed insurance quotes are received, prepared, and stored. Insurance applications can be prepared from the insurance quotes. Additionally, insurance assignment forms and insurance claims can be prepared. The preneed insurance services system also provides a business data storage unit for customization and creation of various business forms.

Claims

1. A preneed insurance system comprising:

a data processing unit adapted to receive customer data, quote data, and preneed insurance data;

a customer data storage unit in communication with said data processing unit, said customer data storage unit adapted to receive and store the customer data from said data processing unit, said customer data storage unit further adapted to provide stored customer data to said data processing unit;

a quote data storage unit in communication with said data processing unit, said quote data storage unit adapted to provide stored quote data to said data processing unit; and

an insurance data storage unit in communication with said data processing unit, said insurance data storage unit adapted to provide stored preneed insurance data to said data processing unit.

2. The system of claim 1, wherein said quote data comprises a plurality of rates from competitive preneed insurance companies.

3. The system of claim 1, wherein said quote data storage unit is further adapted to receive quote data via a computer network, wherein said quote data storage unit is still further adapted to store quote data.

4. The system of claim 3, wherein said insurance data storage unit is further adapted to receive preneed insurance data via a computer network, wherein said insurance data storage unit is still further adapted to store preneed insurance data.

5. The system of claim 4, the system further comprising a business data storage unit in communication with said data processing unit, said business data storage unit adapted to receive and store business data from said data processing unit, said business data storage unit further adapted to provide stored business data to said data processing unit.

6. The system of claim 3, the system further comprising a user interface in communication with said data processing unit, said user interface adapted to receive customer data and business data,

wherein said user interface is further adapted to provide customer data, business data, and instructional data to said data processing unit, and

wherein said data processing unit is further adapted to provide preneed insurance data, quote data, and status data to said user interface.

7. The system of claim 6, the system further comprising:

a data backup unit in communication with each of said customer data storage unit, said quote data storage unit, said insurance data storage unit, and said business data storage unit, wherein said data backup unit is adapted to receive stored customer data, stored quote data, stored preneed insurance data, and stored business data, wherein said data backup unit is adapted to provide customer data, quote data, preneed insurance data, and business data to said customer data storage unit, said quote data storage unit, said insurance data storage unit, and said business data storage unit; and

an external medium storage unit in communication with said data backup unit, wherein said data backup unit adapted to provide customer data, quote data, preneed insurance data, and business data to said external medium storage unit for backup, wherein said external medium storage unit adapted to provide customer data, quote data, preneed insurance data, and business data to said data backup unit.

8. The system of claim 7, wherein said data backup unit is further adapted to receive and provide stored customer data, stored quote data, stored preneed insurance data, and stored business data via a computer network.

9. The system of claim 7, the system further comprising:

a data synchronization unit in communication with said customer data storage unit, said quote data storage unit, said insurance data storage unit, and said business data storage unit, said data synchronization unit adapted to receive stored customer data, stored quote data, stored preneed insurance data, and stored business data; and

an external medium storage unit in communication with said data synchronization unit, said data synchronization unit adapted to provide customer data, quote data, insurance preneed data, and business data to said external medium storage unit;

wherein said data synchronization unit is further adapted to receive synchronized customer data, synchronized quote data, synchronized preneed insurance data, and synchronized business data from said external medium storage unit;

wherein said data synchronization unit still further adapted to provide synchronization customer data to said customer storage unit, synchronized quote data to said quote data storage unit, synchronized preneed insurance data to said insurance data storage unit, and synchronized business data to said business data storage unit.

10. The system of claim 9, wherein said data synchronization unit is further adapted to receive and provide synchronized customer data, synchronized quote data, synchronized preneed insurance data, and synchronized business data via a computer network.

11. The system of claim 9, the system further comprising a registration unit in communication with said data processing unit, said registration unit adapted to receive registration data from said data processing unit, wherein said registration unit is further adapted to provide and receive registration data through a computer network.

12. The system of claim 11, the system further comprising an error checking unit in communication with said data processing unit, said error checking unit adapted to receive proposed data from said data processing unit, said error checking unit further adapted to provide said data processing unit with status of data validity.

13. A method for providing preneed insurance services comprising:

receiving from a user interface customer information necessary for preparing insurance quotes;

storing the customer information data into a database;

receiving applicable preneed insurance rates based on the received customer information;

preparing preneed insurance quotes for all applicable insurance providers based on the received customer information;

providing a comparison of the prepared preneed insurance quotes according to user preference; and

storing prepared preneed insurance quotes into a database.

14. The method of claim 13, the method further comprising:

selecting an insurance provider from the list of prepared insurance quotes for the customer;

providing the appropriate application forms for the selected insurance provider based on received customer data;

receiving from the user interface additional customer information for the preneed insurance application;

preparing an preneed insurance application form using the appropriate application form for the selected insurance provider and based on the received customer information; and

storing the preneed insurance application and additional customer information into a database.

15. The method of claim 14, the method further comprising:

receiving from the user interface customer information regarding a claim on an issued preneed insurance policy;

providing the appropriate claim forms for insurance provider based on the received customer information;

preparing an preneed insurance claim form using the appropriate claim form for the insurance provider and based on the received customer information; and

storing the preneed insurance claim and customer information into a database.

16. The method of claim 15, the method further comprising:

receiving from the user interface business information for customizing business forms;

creating preneed business forms from the received business information; and

storing the created preneed business forms and received business information into a database.

17. The method of claim 16, the method further comprising:

receiving all stored data from database; and

storing stored data onto an external medium.

18. The method of claim 17, the method further comprising:

receiving all stored data from database;

storing stored data onto an external medium;

providing database with synchronizing data from external medium that is not on the database; and

storing synchronizing data onto database.

19. A computer-readable medium having computer-executable instructions for preneed insurance services, where said computer-executable instructions perform steps comprising:

receiving from a user interface customer information necessary for preparing insurance quotes;

storing the customer information data into a database;

receiving applicable preneed insurance rates based on the received customer information;

preparing preneed insurance quotes for all applicable insurance providers based on the received customer information;

providing a comparison of the prepared preneed insurance quotes according to user preference; and

storing prepared preneed insurance quotes into a database.

20. The computer-readable medium of claim 19, wherein the computer-executable instructions perform steps further comprising:

selecting an insurance provider from the list of prepared insurance quotes for the customer;

providing the appropriate application forms for the selected insurance provider based on received customer data;

receiving from the user interface additional customer information for the preneed insurance application;

preparing an preneed insurance application form using the appropriate application form for the selected insurance provider and based on the received customer information; and

storing the preneed insurance application and additional customer information into a database.

21. The computer-readable medium of claim 20, wherein the computer-executable instructions perform steps further comprising:

receiving from the user interface customer information regarding a claim on an issued preneed insurance policy;

providing the appropriate claim forms for insurance provider based on the received customer information;

preparing an preneed insurance claim form using the appropriate claim form for the insurance provider and based on the received customer information; and

storing the preneed insurance claim and customer information into a database.

22. The computer-readable medium of claim 21, wherein the computer-executable instructions perform steps further comprising:

receiving from the user interface business information for customizing business forms;

creating preneed business forms from the received business information; and

storing the created preneed business forms and received business information into a database.

23. The computer-readable medium of claim 22, wherein the computer-executable instructions perform steps further comprising:

receiving all stored data from database; and

storing stored data onto an external medium.

24. The computer-readable medium of claim 23, wherein the computer-executable instructions perform steps further comprising:

receiving all stored data from database;

storing stored data onto an external medium;

providing database with synchronizing data from external medium that is not on the database; and

storing synchronizing data onto database.