Debra Burke Cruz

US Patent:

20110307277, Dec 15, 2011

Filed:

Jun 9, 2010

Appl. No.:

12/797235

Inventors:

Debra Cruz - Mount Vernon NY, US
Kevin M. Kelley - Chatham NJ, US

Assignee:

Metropolitan Life Insurance Company - Long Island City NY

International Classification:

G06Q 40/00
G06F 17/00

US Classification:

705 4, 715221

Abstract:

Disclosed herein are systems and methods for assessing and recommending a life insurance package to a client. A life insurance package may comprise the amount of life insurance coverage and the monthly cost needed to obtain that amount of coverage. In an exemplary embodiment, two or more life insurance packages, including what each life insurance package covers, are presented to the user. In an exemplary embodiment, default assumptions are made for questions that are difficult for the user to answer but may be fairly accurately estimated by the system.

US Patent:

20200357073, Nov 12, 2020

Filed:

Jul 27, 2020

Appl. No.:

16/939422

Inventors:

- New York NY, US
Debra Cruz - Mount Vernon NY, US
Lawrence Vranka - New York NY, US

International Classification:

G06Q 40/08
G06Q 30/02
G06Q 50/00

Abstract:

The disclosed systems and methods facilitate identifying beneficiaries of matured insurance policies. In a preferred embodiment, the systems and methods leverage one or more websites, such as social media websites, to allow customers, family members, and other beneficiaries to search for and receive information about unclaimed matured policy proceeds. Optionally, users may also search for and receive information related to in-force policies. In cases where the insured is living, the systems and methods can update address and social security number records, enabling more effective policy administration and customer service going forward. The systems and methods may further distribute the matured policy proceeds to the identified beneficiary.

US Patent:

20140324481, Oct 30, 2014

Filed:

Nov 27, 2013

Appl. No.:

14/092586

Inventors:

Kathleen Schoos - New York NY, US
Debra Cruz - Mount Vernon NY, US
Lawrence Vranka - New York NY, US

International Classification:

G06Q 40/08
G06Q 30/02
G06Q 50/00

US Classification:

705 4

Abstract:

A computer-implemented method and system is disclosed for identifying beneficiaries of matured insurance policies. In a preferred embodiment, the invention will utilize one or more websites, such as social media websites, to allow customers, family members, and other beneficiaries to search for and receive information about unclaimed matured policy proceeds. Optionally, the users may also search for and receive information related to in force policies. In cases where the insured is living, the invention may be utilized to update address and social security number records, enabling more effective policy administration and customer service going forward. Also provided is an automated system for distributing the matured policy proceeds to the identified beneficiary.