Coverage at a glance
First Claim
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1. An insurance policy coverage method, comprising:
- displaying to a user at a computing device, from an institution system comprising memory and a processor, coverage information pertaining to an insurance policy for the user, the coverage information comprising a plurality of coverage elements, each coverage element displayed with an associated coverage amount and an associated premium;
determining a median coverage of at least one of the coverage elements of the plurality of coverage elements, the median coverage based on a plurality of policy holders;
displaying to the user a median coverage amount indicator for the at least one of the coverage elements, the median coverage amount indicator representing the median coverage and displayed in proximity to the coverage amount for the at least one of the coverage elements;
determining a recommended coverage of the at least one of the coverage elements;
displaying to the user a recommended coverage amount indicator for the at least one of the coverage elements, the recommended coverage amount indicator displayed in proximity to the coverage amount for the at least one of the coverage elements;
receiving, at the institution system, an adjustment to the coverage amount for one of the coverage elements from the user;
revising, via the institution system'"'"'s processor, the premium associated with the coverage element for which the adjustment was received, to generate a revised premium; and
providing from the institution system the revised premium to the user for presentation in the graphical representation on the computing device.
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Accused Products
Abstract
A graphical representation is provided that displays a user'"'"'s insurance coverage. Via the graphical representation, the user may request information about various aspects of the coverage and/or may request to chat or speak with a representative that specializes in a particular coverage area. The graphical representation may show how the user'"'"'s insurance coverage compares to population groups and medians. A user may adjust the coverage on the graphical representation and be provided with a revised premium amount. The user may select this coverage to be implemented and the user'"'"'s policy may be appropriately revised.
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Citations
21 Claims
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1. An insurance policy coverage method, comprising:
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displaying to a user at a computing device, from an institution system comprising memory and a processor, coverage information pertaining to an insurance policy for the user, the coverage information comprising a plurality of coverage elements, each coverage element displayed with an associated coverage amount and an associated premium; determining a median coverage of at least one of the coverage elements of the plurality of coverage elements, the median coverage based on a plurality of policy holders; displaying to the user a median coverage amount indicator for the at least one of the coverage elements, the median coverage amount indicator representing the median coverage and displayed in proximity to the coverage amount for the at least one of the coverage elements; determining a recommended coverage of the at least one of the coverage elements; displaying to the user a recommended coverage amount indicator for the at least one of the coverage elements, the recommended coverage amount indicator displayed in proximity to the coverage amount for the at least one of the coverage elements; receiving, at the institution system, an adjustment to the coverage amount for one of the coverage elements from the user; revising, via the institution system'"'"'s processor, the premium associated with the coverage element for which the adjustment was received, to generate a revised premium; and providing from the institution system the revised premium to the user for presentation in the graphical representation on the computing device. - View Dependent Claims (2, 3, 4, 5, 6, 7)
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8. A non-transitory computer-readable storage medium comprising computer-readable instructions for insurance policy coverage, which when executed by a processor-based device, cause the processor-based device to:
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display to a user coverage information pertaining to an insurance policy for the user, the coverage information comprising a plurality of coverage elements, each coverage element displayed with an associated coverage amount and an associated premium; determine a median coverage of at least one of the coverage elements of the plurality of coverage elements, the median coverage based on a plurality of policy holders; display to the user a median coverage amount indicator for the at least one of the coverage elements, the median coverage amount indicator representing the median coverage and displayed in proximity to the coverage amount for the at least one of the coverage elements; determine a recommended coverage of the at least one of the coverage elements; display to the user a recommended coverage amount indicator for the at least one of the coverage elements, the recommended coverage amount indicator displayed in proximity to the coverage amount for the at least one of the coverage elements; receive an adjustment to the coverage amount for one of the coverage elements from the user; revise the premium associated with the coverage element for which the adjustment was received, to generate a revised premium; and provide the revised premium to the user for presentation in the graphical representation. - View Dependent Claims (9, 10, 11, 12, 13, 14)
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15. An insurance policy coverage system, comprising:
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a processor; and a memory having instructions, which when executed by the processor, cause the processor to; display to a user coverage information pertaining to an insurance policy for the user, the coverage information comprising a plurality of coverage elements, each coverage element displayed with an associated coverage amount and an associated premium; determine a median coverage of at least one of the coverage elements of the plurality of coverage elements, the median coverage based on a plurality of policy holders; display to the user a median coverage amount indicator for the at least one of the coverage elements, the median coverage amount indicator representing the median coverage and displayed in proximity to the coverage amount for the at least one of the coverage elements; determine a recommended coverage of the at least one of the coverage elements; display to the user a recommended coverage amount indicator for the at least one of the coverage elements, the recommended coverage amount indicator displayed in proximity to the coverage amount for the at least one of the coverage elements; receive an adjustment to the coverage amount for one of the coverage elements from the user; revise the premium associated with the coverage element for which the adjustment was received, to generate a revised premium; and provide the revised premium to the user for presentation in the graphical representation. - View Dependent Claims (16, 17, 18, 19, 20, 21)
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Specification