1. A processor-readable medium tangibly storing processor-executable insurance voice authorization instructions for
processing an application for a first insurance policy covering an applicant, wherein the application is received while the applicant is being processed for an unrelated financial services product that requires a type of insurance provided by the first insurance policy;
receiving, during the processing, an oral indication from the applicant responsive to an authorization request prerequisite to issuance of a temporary insurance policy wherein authorization is recorded and is sufficient to satisfy applicable regulatory requirements;
issuing the temporary insurance policy;
performing at least one operation intended to facilitate an underwriting of the first insurance policy, wherein the at least one operation is an operation that requires explicit authorization from the applicant;
underwriting the first insurance policy; and
issuing the first insurance policy.
2. The medium of claim 1, wherein the applicable regulatory requirements are defined by a state.
3. The medium of claim 1, wherein the recorded authorization is archived and maintained for at least seven years.
4. The medium of claim 1, wherein the oral indication is received during an interaction with a customer service representative (CSR).
5. The medium of claim 4, wherein the interaction is facilitated through at least one of the following: public switched telephone network (PSTN), Voice over Internet Protocol (VoIP), voice-enabled instant message chat and voice-enabled web session.
6. The medium of claim 4, wherein the interaction is an asynchronous interaction and the oral indication is recorded by the applicant and delivered to the CSR.
7. The medium of claim 1, wherein the insurance policy is a life insurance policy.
8. An insurance voice authorization processor-implemented method, comprises:
processing an application for a first insurance policy covering an applicant wherein the application is received while the applicant is being processed for an unrelated financial services product that requires a type of insurance provided by the first insurance policy;
receiving, during the processing, an oral indication from the applicant responsive to a predetermined prerequisite to issuance of a temporary insurance policy, wherein the oral indication is recorded and is sufficient to satisfy applicable regulatory requirements;
issuing the temporary insurance policy;
performing via a processor at least one operation intended to facilitate an underwriting of the first insurance policy, wherein the at least one operation is an operation that requires explicit authorization from the applicant;
underwriting the first insurance policy; and
issuing the first insurance policy.
9. The method of claim 8, wherein the oral indication is an authorization to issue the insurance policy.
10. The method of claim 9, wherein the authorization is archived and maintained for at least seven years.
11. The method of claim 8, wherein the oral indication is received during an interaction with a customer service representative (CSR).
12. The method of claim 11, wherein the interaction is facilitated through at least one of the following: public switched telephone network (PSTN), Voice over Internet Protocol (VoIP), voice-enabled instant message chat and voice-enabled web session.
13. The method of claim 11, wherein the interaction is an asynchronous interaction and the oral indication is recorded by the applicant and delivered to the CSR.
14. The method of claim 8, wherein the insurance policy is a life insurance policy.
15. An insurance voice authorization system, comprises:
a memory; and
a processor disposed in communication with the memory and configured to issue processing instructions stored in the memory, wherein the processor issues instructions to:
process an application for a first insurance policy covering an applicant, wherein the application is received while the applicant is being processed for an unrelated financial services product that requires a type of insurance provided by the first insurance policy;
receive, during the processing, an oral indication from the applicant responsive to a prerequisite to completion of processing of a temporary insurance policy, wherein the oral indication is recorded and is sufficient to satisfy applicable regulatory requirements;
issue the temporary insurance policy;
perform at least one operation intended to facilitate an underwriting of the first insurance policy, wherein the at least one operation is an operation that requires explicit authorization from the applicant;
underwrite the first insurance policy; and
issue the first insurance policy.
16. The system of claim 15, wherein the oral indication is an authorization to complete processing of the application.
17. The system of claim 16, wherein the authorization is archived and maintained for at least seven years.
18. The system of claim 15, wherein the oral indication is received during an interaction with a customer service representative (CSR).
19. The system of claim 18, wherein the interaction is facilitated through at least one of the following: public switched telephone network (PSTN), Voice over Internet Protocol (VoIP), voice-enabled instant message chat and voice-enabled web session.
20. The system of claim 18, wherein the interaction is an asynchronous interaction and the oral indication is recorded by the applicant and delivered to the CSR.
21. The system of claim 15, wherein the insurance policy is a life insurance policy.
The claims below are in addition to those above.
All refrences to claim(s) which appear below refer to the numbering after this setence.
1. A Dragless Flight Control System for controlling the flight of a flying object while minimizing drag, said control system residing in said object and said object being defined by an exterior skin and having a guidance computer therein for generating new positional command signal, said control system comprising: at least one pair of first housing and second housing, said housings being recessed inside said flying object and each having an opening communicating with said exterior skin; at least one pair of first and second fins positioned inside said housings, respectively, said fins each being exposable outside said exterior skin and being completely retractable into said housings through said openings, said first and second fins being mounted to rotate in mutually opposite directions and to have rotation vectors normal to said exterior skin, said fins further being rotatable by variable corrective angles; a means for ascertaining current rotational position of said fins; an electronic controller coupled between said ascertaining means and said guidance computer, said controller generating a signal representative of a corrective angle in response to current rotational position information from said ascertaining means and said command signal from said computer, said controller then further producing a voltage command corresponding to said corrective angle; a drive motor coupled to said electronic controller to receive said voltage command and generate a corresponding torque; a first motor drive gear; a second motor drive gear; a motor transmission coupled between said drive motor and said motor drive gears to multiply said torque selectively prior to delivering said torque to said motor drive gears; a first fin gear shaft and a second fin gear shaft, said fin gear shafts being rotationally coupled to their respective fins so as to allow said fins to rotate; a first fin gear coupled between said first fin gear shaft and said first motor drive gear to transmit said torque from said first motor drive gear to said first fin gear shaft to enable said first fin gear shaft to rotate said first fin; and a second fin gear coupled between said second fin gear shaft and said second motor drive gear to transmit said torque from said second motor drive gear to said second fin gear shaft to enable said second fin gear shaft to rotate said second fin, said first and second fins always rotating simultaneously but in opposite directions, thereby exposing one fin while retracting the other fin until said corrective angle is obtained, thereby achieving desired degree of control of said object’s flight.
2. A Dragless Flight Control System as set forth in claim 1, wherein said first and second fins are positioned staggered with respect to each other.
3. A Dragless Flight Control System as set forth in claim 2, wherein said control system further comprises two O-ring seals, each seal being coupled to one of said fin gear shafts inside its corresponding housing to render stability to said fin gear shaft.
4. A Dragless Flight Control System as set forth in claim 3, wherein said control system still further comprises a transmission shaft coupled between said motor transmission and said motor drive gears.
5. A Dragless Flight Control System as set forth in claim 4, wherein said means for ascertaining current rotational position of said fins is a hall sensor located in said drive motor, said sensor deriving said current rotational position by counting hall pulses generated by said motor.
6. A Dragless Flight Control System as set forth in claim 5, wherein said flight control system still further comprises several pairs of said fins, said several pairs being deployed at regular intervals around the circumference of said flying object.