| THRIVENT FINANCIAL FOR LUTHERANS Patent applications |
| Patent application number | Title | Published |
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| 20110251859 | Method and Apparatus Pertaining to Facilitating Administration of a Fixed Annuity Having a Long-Term Care Rider - Administering a fixed annuity having a long-term care (LTC) rider includes calculating, at a time of an insured party entering a claim period for LTC benefits and as a function of a value of a fixed annuity for an annuitant, an available insurance amount for an LTC benefit. This fixed-annuity value can comprise a present value of the fixed annuity at the time the insured party enters the claim period. These teachings will also accommodate calculating the total LTC benefits by summing the value of the fixed annuity with the value of the fixed annuity as multiplied by a multiplier. LTC benefits can be paid by apportioning a first part of the payment against the fixed annuity itself while apportioning a second part of the payment against an available insurance amount. Following depletion of the annuity, however, one can then apportion such payments only against the available insurance amount until exhausted. | 10-13-2011 |
| 20100268670 | Method And Tool For Retirement Income Management - The present invention is a method of monitoring a retirement income plan and managing retirement income through use of a retirement income planning tool. The retirement income planning tool is comprised of modules working together in order to facilitate planning, monitoring, management and generation of a retirement income plan. The projected assets are generated in response to the processing of financial data input into the retirement income planning tool in view of potential investment performance scenarios. The financial data input into the retirement income planning tool includes at least a customer's desired retirement income levels, assets level and retirement compensation levels. The retirement income plan is comprised of at least data representative of projected retirement compensation, asset levels and projected asset withdrawals. The retirement income planning tool compares a client's retirement compensation to the comprehensive retirement income levels desired in order to determine the level of asset withdrawals necessary to achieve the comprehensive retirement income levels. The method of monitoring includes guidelines for dynamic management and monitoring of retirement asset withdrawals and investments in order to facilitate retirement asset utilization over the life of the retirement income plan. | 10-21-2010 |
| 20090240621 | Method of Administering an Annuity Having Payments That Maintain or Increase in Purchasing Power - A method of administering a single premium immediate annuity is disclosed. The method includes specifying an income payment amount representing a base level of purchasing power each scheduled annuity payment shall be able to substantially achieve. The amount of the annuity payment to be made at scheduled intervals being adjusted to maintain the purchasing power of the annuity payment, whereby the annuity payment is adjusted to accommodate inflation and maintain a base level of purchasing power. The method of administering the annuity including the inclusion of income payment adjustment ceilings and floors, whereby income payments cannot be reduced below a predefined minimum level, nor can income payments increase above a predefined maximum level in any given year. | 09-24-2009 |
