WILLIAM HAMPTON GRAY, M.D.
Radiology in Los Angeles, CA

License number
California 141886
Category
Radiology
Type
Thoracic Surgery (Cardiothoracic Vascular Surgery)
Address
Address
1520 San Pablo St Healthcare Consultation Center Ii SUITE 4300, Los Angeles, CA 90033
Phone
(323) 442-5849

Personal information

See more information about WILLIAM HAMPTON GRAY at radaris.com
Name
Address
Phone
William Gray, age 64
5036 Ardelle Ave, Stockton, CA 95215
William Gray, age 91
5036 Tierra Antigua Dr, Whittier, CA 90601
(562) 754-2666
William Gray
4861 Harwood Rd, San Jose, CA 95124
(408) 264-5083

Professional information

William H Gray Photo 1

William H Gray, Culver City CA

Specialties:
Physical Medicine & Rehabilitation, Rehabilitation
Address:
3828 Delmas Ter, Culver City 90232
(310) 253-9494 (Phone)
Languages:
English


William Gray Photo 2

Premium Financed Life Insurance Products And Methods

US Patent:
2008016, Jul 10, 2008
Filed:
Oct 4, 2007
Appl. No.:
11/906993
Inventors:
David Rudich - Los Angeles CA, US
William E. Gray - Los Angeles CA, US
International Classification:
G06Q 40/00
US Classification:
705 4
Abstract:
Premium financed insurance products and methods which can eliminate the requirement for excess collateral beyond the policy itself are disclosed, wherein the premiums for an insurance policy covering the life of an insured are paid by a loan, and wherein the loan agreement, the policy and/or related documents include a provision or are accompanied by an agreement for pooling of the death benefit of the policy with the death benefit amounts derived from other premium financed policies in the pool, wherein in the event of a cancellation event the loan for the cancelled policy is repaid with interest on a pro-rata basis from and out of the death benefits of other policies in the pool. In an embodiment, a second policy or rider to the first policy is subject to pooling, wherein the second policy offsets the risks associated with the lack of excess collateral previously required. A cancellation event may be caused by, among other things, a suicide or false statement, fraud or material concealment in obtaining the policy, a failure of an insurer or an increase in premium payment rates. In an embodiment, a right of first refusal to purchase the policy or the policy benefits from the insured may be granted to the lender. Also disclosed is a computer system for implementing the products and methods.