发明名称 |
Financial Instrument Providing a Guaranteed Growth Rate and a Guarantee of Lifetime Payments |
摘要 |
A method for providing a financial instrument includes determining an initial account balance associated with a financial instrument based upon an initial deposit amount, wherein the financial instrument includes an account with an account balance that changes over time. The method further includes establishing a first guarantee of a protected value, the protected value including at least an amount based upon the initial account balance growing at a minimum growth rate for a defined period of time or until one or more defined events occur, whichever is sooner; and establishing a second guarantee that a beneficiary may periodically receive a transfer of an amount of money for the life of a designated party, wherein the amount comprises a percentage of the protected value at the time of a particular event, provided that the amount may vary based upon withdrawals from the account in excess of a first particular limit.
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申请公布号 |
US2010332365(A1) |
申请公布日期 |
2010.12.30 |
申请号 |
US20100848510 |
申请日期 |
2010.08.02 |
申请人 |
THE PRUDENTIAL INSURANCE COMPANY OF AMERICA |
发明人 |
O'DONNELL ROBERT FRANCIS;BUZZELLI MARC JOSEPH;FISHBEIN ROBERT ALAN;HERSCHLER JACOB M.;JACKMAN-WARD FIONA ALEXANDRA;KANE DANIEL O.;KUPERSTOCK N. DAVID;PHIFER, III GARY E.;PUTTERMAN STEVEN LEE;RAE POLLY;RUNESTAD DAIN ERIC;SCHWARTZ ROBERT J.;SHECKLEV CHRISTOPHER PATRICK |
分类号 |
G06Q40/00 |
主分类号 |
G06Q40/00 |
代理机构 |
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代理人 |
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主权项 |
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地址 |
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