{"schema_version":"1.0","canonical_url":"https://patentable.app/patents/US-8521568","patent":{"patent_number":"US-8521568","title":"Mortality progression methods and systems","assignee":null,"inventors":[],"filing_date":"2012-12-07T00:00:00.000Z","publication_date":"2013-08-27T00:00:00.000Z","cpc_codes":["G06Q"],"num_claims":20,"abstract":"Methods and systems for preparing improved mortality tables for use with life insurance and other financial products are described herein. The improved mortality tables described herein account for progression over time of insureds from one underwriting class to another, e.g., based on deteriorating health over time. An insured who is in a “preferred” class at the time of initial underwriting might not still qualify for “preferred” status in 5 years, or even the next year. By creating a system of linear equations that predict the composition of a group n years after underwriting, insurance (and other financial products) providers can calculate more definite costs for pricing financial products based on the estimated or expected transition from one underwriting class to another."},"analysis":{"summary":null,"layman_explanation":null,"technical_analysis":null,"business_analysis":null,"faqs":null,"topics":[],"tech_cluster":null},"seo":{"title":"Mortality progression methods and systems","description":"Methods and systems for preparing improved mortality tables for use with life insurance and other financial products are described herein. The improved mortality tables described herein account for pr","keywords":[]},"attribution":{"source":"Patentable","source_url":"https://patentable.app","canonical_url":"https://patentable.app/patents/US-8521568","license":"CC-BY-4.0-like","license_terms":"AI-generated analysis on this page (summary, layman_explanation, technical_analysis, business_analysis, faqs) may be reused with attribution and a visible link back to the canonical URL above. Patent abstracts, claims, and bibliographic data are USPTO public domain.","required_link":"https://patentable.app/patents/US-8521568","citation_suggestion":"Patentable. \"Mortality progression methods and systems\" (US-8521568). https://patentable.app/patents/US-8521568","copyright_holder":"Nomic Interactive Technology LLC"},"links":{"html":"https://patentable.app/patents/US-8521568","json":"https://patentable.app/api/llm-context/US-8521568","site":"https://patentable.app","llms_txt":"https://patentable.app/llms.txt"},"generated_at":"2026-05-30T18:14:17.171Z"}