Andrew T Lerner

US Patent:

20020087364, Jul 4, 2002

Filed:

Nov 7, 2001

Appl. No.:

09/986204

Inventors:

Andrew Lerner - New York NY, US
Robert Lichten - Port Washington NY, US

International Classification:

G06F017/60

US Classification:

705/004000

Abstract:

The system of the present invention enables an insurance company or other provider to underwrite a life insurance policy based on relevant insurability information or factors and in real time for potential customers directly or indirectly accessing the system via a network. The insurability information includes medical records and medical claims that are typically maintained and accessed from potential customer healthcare provider or other third party databases and other information provided by the potential customers. The system retrieves and utilizes this information to produce an underwriting score or value, where information gathered from the potential customer is compared to information within an insurer database. The score is computed based on a formula that takes into consideration the importance of the information in determining mortality risk, and is subsequently used in determining whether or not to underwrite the life insurance policy and the corresponding policy price.

US Patent:

20080031680, Feb 7, 2008

Filed:

Jun 5, 2007

Appl. No.:

11/758090

Inventors:

Ravi Buddharaju - Houston TX, US
Laurence Choi - Seoul, KR
Marta DePaul - Pittsburgh PA, US
Jason DePerro - San Jose CA, US
Andrew Lerner - New York NY, US
Anu Melville - Northboro MA, US

Assignee:

International Truck Intellectual Property Company, LLC - Warrenville IL

International Classification:

B42F 3/04

US Classification:

402035000

Abstract:

A mobile office organizer and portfolio provide an organizer with a front pocket for storage of the portfolio when not in use, and a portfolio which provides for internal storage of documents when not in use and external mounting of documents when required for modification or reference. The portfolio is based on a flexible cover which can be folded and closed, and which includes a ring and binder assembly for organization and retention of sheets. The rings of the ring and binder assembly extend from the interior to the exterior of the portfolio allowing papers to be mounted thereon either inside or outside of the covers.