11-07-2013 дата публикации
Номер: US20130179197A1
An independent investment platform receives a request from an investor to purchase an income insurance product offered by an insurance company. In response, the independent investment platform monitors an investment account for use with the income insurance product. The investment account is held by a custodian and the investment account is independent of the insurance company. 1. A method comprising:receiving a request from an investor to purchase an income insurance product offered by an insurance company; andmonitoring, by a processing device, an investment account for use with the income insurance product, the investment account held by a custodian, wherein the investment account is independent of the insurance company.2. The method of claim 1 , wherein monitoring the investment account comprises:receiving information about the investment account from the custodian; anddetermining, based on the information, whether the investment account is in compliance with an investment policy provided by the insurance company.3. The method of claim 2 , wherein the information about the investment account comprises an indication of investments held in the investment account claim 2 , a relative proportion of the investments in the investment account claim 2 , and a value of the investments in the investment account.4. The method of claim 2 , further comprising:if the investment account is not in compliance with the investment policy, providing instructions to the investor to bring the investment account into compliance with the investment policy.5. The method of claim 2 , further comprising:notifying the insurance company of a status of the investment account, wherein the status indicates whether the investment account is in compliance with the investment policy.6. The method of claim 1 , further comprising:calculating a guarantee base amount to determine investor income payments under the income insurance product; andauthorizing payments to the from the investment account ...
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