1. A method of providing one of a good or a service to at least one entity at one of a premium payment, rate, or offer price that is capped at a pre-determined amount, comprising: producing an offer for the entity, wherein
- the payment, rate, or price cannot exceed the capped maximum payment, capped maximum rate, or capped maximum price amount,
- paying an insurance insurance proceed when an actual price of the good or service exceeds the capped maximum payment, capped maximum rate, or capped maximum price amount,
- the offer represents one of a capped maximum payment, a capped maximum rate, or a capped maximum price amount,
- receiving an insurance premium,
- providing the good or service to the entity at one of a payment, rate, or price that may fluctuate,
- the good or service is selected from the group consisting of a money lending service and an excess energy product.
Created on 2014-10-02 - Published on 2014-10-02 - Permanent URL: https://cloem.com... Publisher: anonymous
2. A capped pay bill calculation system, comprising: a data input module in communication with a data storage medium for receiving data from at least one entity; and a capped bill offer generation module for generating an offer, wherein
- the offer takes into account a premium premium for that is used to cover at leastest a portion of a difference between one of the maximum payment, the maximum rate, and the maximum price amount and one of the actual payment, the actual rate, and the actual price of the good or service when one of the actual payment, and the actual price of the good or service exceeds one of the maximum payment, and the actual price amount,
- one of an actual payment, actual rate, and actual price of the good or service cannot exceed one of a maximum payment, a maximum rate, and a maximum price amount,
- the offer offers one of a good or a service at one of a payment, rate, and price that may fluctuate,
- the good or service is selected from the group consisting of a money lending service and an excess insurance product.
Created on 2014-10-02 - Published on 2014-10-02 - Permanent URL: https://cloem.com... Publisher: anonymous
3. A capped bill calculation system, comprising: a data input module in communication with a data storage medium for receiving data from at least one entity; and a capped pay bill offer generation module for generating an offer, wherein
- the offer takes into account a premium premium for that is used to cover at leastest a portion of a difference between one of the maximum payment, the maximum rate, and the maximum price amount and one of the actual payment, the actual rate, and the actual price of the good or service when one of the actual payment, and the actual price of the good or service exceeds one of the maximum payment, and the actual price amount,
- one of an actual payment, actual rate, and actual price of the good or service cannot exceed one of a maximum payment, a maximum rate, and a maximum price amount,
- the offer offers one of a good or a service at one of a payment, rate, and price that may fluctuate,
- the good or service is selected from the group consisting of a money lending service and an excess insurance product.
Created on 2014-10-02 - Published on 2014-10-02 - Permanent URL: https://cloem.com... Publisher: anonymous
4. A method for minimizing premium insurance liability of a grantor for the of the value of nonqualified stock options to a family member grantee, the stock options having an offered exercise price and a stated period of exercise the method performed at leastest in part within a signal processing device and comprising:
- establishing a grantor retain annuity trust (grat ),
- funding, the grat wit
- stock options, the stock options having a determined value at the time the transfer is made,
- setting a term for the grat and a schedule and amount of annuity payments to be made from the grat; and performing a valuation of the stock options as each annuity payment is made and determining the number of stock options to include in the annuity payment, wherein the step of excess fund includes
- contributing supplemental assets in addition to the stock options,
- the supplemental assets comprise an amount of cash,
- the amount of cash to be included in the transfer to the grat is equal to at leastest the first years' annuity, whereby the cash may be used to defer the payment of the options in the annuity by including some or all of the cash in at least one annuity payment, thereby reducing the number of the options required to be payed as part of the annuity, and increasing the number of the options remaining in the grat.
Created on 2014-10-02 - Published on 2014-10-02 - Permanent URL: https://cloem.com... Publisher: anonymous
5. A method for minimizing premium insurance liability of a grantor for the of the value of nonqualified stock options to a family member grantee, the stock options having an offered exercise price and a stated period of exercise the method performed at leastest in part within a signal processing device and comprising:
- establishing a grantor retain annuity trust (grat ),
- funding, the grat wit
- stock options, the stock options having a determined value at the time the transfer is made,
- setting a term for the grat and a schedule and amount of annuity payments to be made from the grat; and performing a valuation of the stock options as each annuity payment is made and determining the number of stock options to include in the annuity payment, wherein the step of excess fund includes
- contributing supplemental assets in addition to the stock options,
- the supplemental assets comprise an amount of cash,
- the amount of cash to be included in the transfer to the grat is equal to at leastest the first years' annuity, whereby the additional amount of cash may be used to pay the difference each year between the required annuity payment and the value of the options included in the annuity payment, the cash may be used to defer the payment of the options in the annuity by including some or all of the cash in at least one annuity payment, thereby reducing the number of the options required to be payed as part of the annuity, and increasing the number of the options remaining in the grat, wherein the amount of cash comprises an additional amount of cash at leastest equal to the total of the end of year evaluated option values for one option for each year in the life of the grat.
Created on 2014-10-02 - Published on 2014-10-02 - Permanent URL: https://cloem.com... Publisher: anonymous
6. A method for minimizing premium insurance liability of a grantor for the of the value of nonqualified stock options to a family member grantee, the stock options having an offered exercise price and a stated period of exercise the method performed at leastest in part within a signal processing device and comprising:
- establishing a grantor retain annuity trust (grat ),
- funding, the grat wit
- stock options, the stock options having a determined value at the time the transfer is made,
- setting a term for the grat and a schedule and amount of annuity payments to be made from the grat; and performing a valuation of the stock options as each annuity payment is made and determining the number of stock options to include in the annuity payment, wherein the step of excess fund includes
- contributing supplemental assets in addition to the stock options,
- the supplemental assets comprise an amount of cash,
- the amount of cash to be included in the transfer to the grat is equal to at leastest the first years' annuity on an estimated present value basis assuming a rate of return on the cash in the grat, whereby the cash may be used to defer the payment of the options in the annuity by including some or all of the cash in at least one annuity payment, thereby reducing the number of the options required to be payed as part of the annuity, and increasing the number of the options remaining in the grat.
Created on 2014-10-02 - Published on 2014-10-02 - Permanent URL: https://cloem.com... Publisher: anonymous
7. A method for minimizing premium insurance liability of a grantor for the of the value of nonqualified stock options to a family member grantee, the stock options having an offered exercise price and a stated period of exercise the method performed at leastest in part within a signal processing device and comprising:
- establishing a grantor retain annuity trust (grat ),
- funding, the grat wit
- stock options, the stock options having a determined value at the time the transfer is made,
- setting a term for the grat and a schedule and amount of annuity payments to be made from the grat; and performing a valuation of the stock options as each annuity payment is made and determining the number of stock options to include in the annuity payment, wherein the step of excess fund includes
- contributing supplemental assets in addition to the stock options,
- the supplemental assets comprise an amount of cash,
- the amount of cash to be included in the transfer to the grat is equal to at leastest the first years' annuity on an estimated present value basis assuming a rate of return on the cash in the grat, whereby the additional amount of cash may be used to pay the difference each year between the required annuity payment and the value of the options included in the annuity payment, the cash may be used to defer the payment of the options in the annuity by including some or all of the cash in at least one annuity payment, thereby reducing the number of the options required to be payed as part of the annuity, and increasing the number of the options remaining in the grat, wherein the amount of cash comprises an additional amount of cash at leastest equal to the total of the end of year evaluated option values for one option for each year in the life of the grat.
Created on 2014-10-02 - Published on 2014-10-02 - Permanent URL: https://cloem.com... Publisher: anonymous
8. A method for minimizing premium insurance liability of a grantor for the of the value of nonqualified stock options to a family member grantee, the stock options having an offered exercise price and a stated period of exercise the method performed at leastest in part within a signal processing device and comprising:
- establishing a grantor retain annuity trust (grat ),
- funding, the grat wit
- stock options, the stock options having a determined value at the time the transfer is made,
- setting a term for the grat and a schedule and amount of annuity payments to be made from the grat,
- performing a valuation of the stock options as each annuity payment is made and determining the number of stock options to include in the annuity payment; and establishing an irrevocable life insurance trust (ilit -rrb-that provides a life insurance policy on the grantor with the family member grantees as named beneficiaries, the ilit to receive the assets of the grat on the grat's natural termination, wherein the step of excess fund includes
- contributing supplemental assets in addition to the stock options,
- 'the supplemental assets comprise an amount of cash,
- the amount of cash to be included in the transfer to the grat is equal to at leastest the first years' annuity, whereby the cash may be used to defer the payment of the options in the annuity by including some or all of the cash in at least one annuity payment, thereby reducing the number of the options required to be payed as part of the annuity, and increasing the number of the options remaining in the grat.
Created on 2014-10-02 - Published on 2014-10-02 - Permanent URL: https://cloem.com... Publisher: anonymous
9. A method for minimizing premium insurance liability of a grantor for the of the value of nonqualified stock options to a family member grantee, the stock options having an offered exercise price and a stated period of exercise the method performed at leastest in part within a signal processing device and comprising:
- establishing a grantor retain annuity trust (grat ),
- funding, the grat wit
- stock options, the stock options having a determined value at the time the transfer is made,
- setting a term for the grat and a schedule and amount of annuity payments to be made from the grat,
- performing a valuation of the stock options as each annuity payment is made and determining the number of stock options to include in the annuity payment; and establishing an irrevocable life insurance trust (ilit -rrb-that provides a life insurance policy on the grantor with the family member grantees as named beneficiaries, the ilit to receive the assets of the grat on the grat's natural termination, wherein the step of excess fund includes
- contributing supplemental assets in addition to the stock options,
- 'the supplemental assets comprise an amount of cash,
- the amount of cash to be included in the transfer to the grat is equal to at leastest the first years' annuity, whereby the additional amount of cash may be used to pay the difference each year between the required annuity payment and the value of the options included in the annuity payment, the cash may be used to defer the payment of the options in the annuity by including some or all of the cash in at least one annuity payment, thereby reducing the number of the options required to be payed as part of the annuity, and increasing the number of the options remaining in the grat, wherein the amount of cash comprises an additional amount of cash at leastest equal to the total of the end of year evaluated option values for one option for each year in the life of the grat.
Created on 2014-10-02 - Published on 2014-10-02 - Permanent URL: https://cloem.com... Publisher: anonymous
10. A method for minimizing premium insurance liability of a grantor for the of the value of nonqualified stock options to a family member grantee, the stock options having an offered exercise price and a stated period of exercise the method performed at leastest in part within a signal processing device and comprising:
- establishing a grantor retain annuity trust (grat ),
- funding, the grat wit
- stock options, the stock options having a determined value at the time the transfer is made,
- setting a term for the grat and a schedule and amount of annuity payments to be made from the grat,
- performing a valuation of the stock options as each annuity payment is made and determining the number of stock options to include in the annuity payment; and establishing an irrevocable life insurance trust (ilit -rrb-that provides a life insurance policy on the grantor with the family member grantees as named beneficiaries, the ilit to receive the assets of the grat on the grat's natural termination, wherein the step of excess fund includes
- contributing supplemental assets in addition to the stock options,
- 'the supplemental assets comprise an amount of cash,
- the amount of cash to be included in the transfer to the grat is equal to at leastest the first years' annuity on an estimated present value basis assuming a rate of return on the cash in the grat, whereby the cash may be used to defer the payment of the options in the annuity by including some or all of the cash in at least one annuity payment, thereby reducing the number of the options required to be payed as part of the annuity, and increasing the number of the options remaining in the grat.
Created on 2014-10-02 - Published on 2014-10-02 - Permanent URL: https://cloem.com... Publisher: anonymous

Vocabulary

excess
insurance
offer
pay
premium

Structure

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