Wealth Inheritance Calculation System

Abstract

This invention relates to a wealth transfer calculation system, installed in at least one electronic device and comprising a tax diagnosis module and an electrically connected demand diagnosis module. The tax diagnosis module has multiple tax calculation models corresponding to different policy effective periods. When the tax diagnosis module receives at least one piece of insurance application information, it analyzes the policy effective date of the information and selects the corresponding tax calculation model. It then uses an input calculation age to calculate corresponding tax liability data, which includes tax data for at least one insured person, at least one policyholder, and at least one beneficiary. The demand diagnosis module stores multiple insurance policies and receives the tax liability data. It analyzes the application information to generate a policy asset, and then uses the tax liability data and the policy asset to calculate the tax liability data for each policy policy to generate a demand diagnosis table. Based on the tax liability data, it recommends at least one suitable policy policy.

Description

[Technical Field]

[0001] This invention relates to an insurance policy calculation system, and more particularly to a wealth transfer calculation system. [Previous Technology]

[0002] In current policy calculation systems, most systems only possess basic policy management and calculation functions, such as premium payment, policy value accumulation calculation, and claims settlement. However, these systems lack comprehensive support for tax calculations derived from policy assets and diagnosis of wealth transfer needs. In other words, existing systems cannot perform accurate tax calculations based on different policy effective periods, making it difficult for them to adapt to the tax impact of various insurance products (such as life insurance, annuity insurance, and investment-linked policies) at different times. In particular, the tax responsibilities of policyholders (such as policyholders, insured persons, and beneficiaries) also change over time, and current systems generally lack flexible and accurate tax diagnostic models to assess these changes in real time, making it difficult for users and their relatives to grasp future tax burdens, which may lead to financial pressure and legal issues in inheritance.

[0003] Furthermore, most existing policy calculation systems can only provide static policy structure information and cannot dynamically analyze the interaction between a user's policy assets and their tax situation. Therefore, these systems cannot provide personalized financial needs diagnosis based on real-time tax calculation results, significantly reducing the accuracy and practicality of policy allocation recommendations. In this situation, insurance professionals often need to rely on financial advisors for independent tax calculations and asset allocation assessments when planning wealth transfer for clients. This not only increases time and communication costs but also raises the burden on business operations, thereby affecting the overall operational efficiency and service quality of the industry.

[0004] Furthermore, existing systems generally lack mechanisms for integrating family and friend relationships and allocating policy assets. When users wish to allocate policy assets, they often need to manually calculate the tax implications between beneficiaries, lacking an automated allocation processing component to assist in planning the best wealth transfer method. This manual calculation method may not only lead to uneven financial distribution but may also affect the actual tax payable of beneficiaries due to calculation errors, further increasing tax risks and potential disputes. In view of this, how to provide an intelligent policy calculation system that can integrate tax calculation, needs diagnosis, and family and friend relationship allocation, thereby improving the deficiencies of the aforementioned conventional technologies and enhancing the accuracy and efficiency of policy planning, is the subject of this invention. [Summary of the Invention]

[0005] The main objective of this invention is to provide a policy calculation system that simultaneously calculates tax information and policy assets, so as to recommend suitable policy products based on the diagnostic results of tax information and policy assets, thereby improving the accuracy and effectiveness of business services.

[0006] To achieve the above objectives, the present invention discloses a wealth transfer calculation system, which is installed in at least one electronic device and includes: a tax diagnosis module, which has a plurality of tax calculation models, each of which corresponds to a different policy effective period; when the tax diagnosis module receives at least one piece of insurance application information, it analyzes the policy effective date of the insurance application information and selects the corresponding tax calculation model, and the tax calculation model uses an input calculation age to calculate a corresponding tax liability data, which includes at least one insured person's tax amount data, at least one policyholder's tax amount data, and at least one beneficiary's tax amount data; and a demand diagnosis module, which stores a plurality of insurance policies and is electrically connected to the tax diagnosis module to receive the tax liability data. The system analyzes the insurance application information to generate a policy asset. Then, using the tax information and the policy asset, it calculates the needs of each policy product to generate a demand diagnosis table. Based on the tax information, it recommends at least one suitable policy product. The demand diagnosis module includes an allocation processing element. This element retrieves a family / friend relationship from the customer's file. Alternatively, when the wealth transfer system receives the input insurance application information, the allocation processing element analyzes the information to obtain the corresponding family / friend relationship in the customer's file, further comparing and updating this relationship. Based on this, the allocation processing element compiles the tax information according to the family / friend relationship to obtain family / friend tax information, and further compares it with the policy asset to generate an allocation opinion.

[0007] The allocation processing element is used to set the payment ratio, payment time, and payment period for the policy assets corresponding to one of the relatives / friends. The allocation processing element recalculates the tax information based on the payment ratio to update the tax information of the relatives / friends and the allocation opinion. When the allocation processing element receives input of at least one planned allocation amount corresponding to the relatives / friends, it calculates the tax information and the policy assets to generate demand adjustment information, which is then used by the demand diagnosis module to further adjust the demand diagnosis table.

[0008] Furthermore, the wealth transfer calculation system includes a report generation module electrically connected to the tax diagnosis module and the demand diagnosis module. The report generation module compiles at least one of the following: insurance application information, tax liability information, policy assets, demand diagnosis form, and allocation opinion, to generate at least one review report. Each tax calculation model uses death benefit, principal repayment, premium payment, and accumulated premiums in the insurance application information for life insurance, annuities, and investment-linked insurance as the primary diagnostic criteria to calculate the tax liability information. The wealth transfer calculation system includes a customer management module electrically connected to the tax diagnosis module and the demand diagnosis module. The customer management module is used to create and manage multiple customer files. The wealth transfer calculation system includes a graphical interface that is electrically connected to the tax customer management module, the diagnostic module, and the demand diagnostic module. When multiple customer data are entered through the graphical interface, the customer management module aggregates the customer data to build a corresponding customer file, and the customer data includes the customer name, the insurance information, and a relative relationship.

[0009] In summary, this invention is an integrated financial succession planning system that integrates functions such as tax calculation, policy recommendation, and policy asset allocation and control. It incorporates multiple tax calculation models that can be selected according to different policy effective periods to ensure the accuracy of tax calculation. Furthermore, this tax calculation is based on the roles of the insured, policyholder, and beneficiary in the policy, ensuring that the tax data includes the insured's tax amount, the policyholder's tax amount, and the beneficiary's tax amount, allowing users to understand the impact of tax burdens and tax differences. Based on this, a highly appropriate and matching diagnostic table is generated through comparative analysis of the policy assets, effectively meeting the business needs of insurance professionals. Moreover, the allocation processing component allows users to set the payment ratio, time, and number of periods for the policy assets, while simultaneously calculating and updating the tax information of relatives and friends based on these parameters, enabling users to clearly control the allocation of gifts and inheritance shares and achieve the benefits of comprehensive financial succession planning.

Implementation Method

[0010] To enable those skilled in the art to clearly understand the contents of this invention, please refer to the following description and accompanying drawings.

[0011] Please refer to Figure 1, which is an architectural diagram of a preferred embodiment of the present invention. As shown in the figure, the wealth inheritance calculation system 1 is installed in at least one electronic device, which includes a tax diagnosis module 12 and a demand diagnosis module 13. The tax diagnosis module 12 is electrically connected to the demand diagnosis module 13 and has a plurality of tax calculation models 120. Each tax calculation model 120 corresponds to a different policy effective period, and the demand diagnosis module 13 stores a plurality of policy products 130.

[0012] When the tax diagnosis module 12 receives at least one insurance application document 1100 as input, it analyzes the policy effective date of the insurance application document 1100 and selects the corresponding tax calculation model 120. The tax calculation model 120 uses one of the input calculation ages to calculate a corresponding negative tax data 121. The negative tax data 121 includes at least one insured person's tax amount data, at least one policyholder's tax amount data, and at least one beneficiary's tax amount data. The demand diagnosis module 13 receives the negative tax data 121 and analyzes the insurance application document 1100 to generate a policy asset 132. Then, it uses the negative tax data 121 and the policy asset 132 to calculate each policy product 130 to generate a demand diagnosis table 133, and recommends at least one suitable policy product 130 based on the negative tax data 121.

[0013] Please refer to Figures 2 and 3, which are respectively architectural diagrams and flowcharts of two preferred embodiments of the present invention. As shown in the figures, the wealth inheritance computing system 1 is installed in an electronic device, such as a server, backend host, computer, tablet computer, or mobile phone, and includes a graphical display interface 10, a customer management module 11, a tax diagnosis module 12, a demand diagnosis module 13, and a report generation module 14. The graphical display interface 10 is electrically connected to the customer management module 11, the tax diagnosis module 12, the demand diagnosis module 13, and the report generation module 14. The customer management module 11 is electrically connected to the tax diagnosis module 12, the demand diagnosis module 13, and the report generation module 14, and the customer management module 11 is used to create and manage a plurality of customer files 110. The tax diagnosis module 12 is electrically connected to the demand diagnosis module 13 and the report generation module 14. The tax diagnosis module 12 has a plurality of tax calculation models 120, and each tax calculation model 120 corresponds to a different policy effective period. The demand diagnosis module 13 is electrically connected to the report generation module 14. The demand diagnosis module 13 stores a plurality of policy products 130 and has an allocation processing element 131. The operation mode of the wealth inheritance calculation system 1 may include the following steps.

[0014] Step S1: When a user inputs multiple customer data through the graphical interface 10, the customer management module 11 aggregates the customer data to build a corresponding customer file 110. The customer data may include the customer name, at least one insurance policy 1100, and a relative / friend relationship. In addition to directly setting the relative / friend relationship of a customer file 110 using the graphical interface 10, when the customer management module 11 aggregates the insurance policy 1100, in step S2, the allocation processing element 131 parses the insurance policy 1100 to obtain the relative / friend relationship corresponding to the customer file 110, in order to further compare and update the relative / friend relationship in the customer file 110. Furthermore, when the graphical interface 10 receives the input insurance policy 1100, in step S3, the tax diagnosis module 12 parses the policy effective date of the received insurance policy 100 and selects the corresponding tax calculation model 120. Simultaneously, in step S4, the demand diagnosis module 13 parses the insurance application information 1100 and generates a corresponding policy asset 132.

[0015] Following step S3, as shown in Figure 4, when the graphical display interface 10 receives a calculated age input, in step S30, the tax calculation model 120 uses the death benefit, principal repayment, premium payment, and accumulated premium in the policyholder information 1100 for life insurance, annuity, and investment-type insurance as the main diagnostic criteria, and calculates a corresponding negative tax data 121 using the input calculated age and transmits it to the demand diagnosis module 13. The negative tax data 121 includes at least one insured person's tax data, at least one policyholder's tax data, and at least one beneficiary's tax data, thereby calculating in detail the tax amount corresponding to the insured person, policyholder, and beneficiary in the policyholder information 1100. In step S5, the demand diagnosis module 13 uses the tax data 121 and the policy assets 132 to calculate each policy product 130 and generate a demand diagnosis table 133 as shown in FIG5, so as to recommend at least one suitable policy product 130 based on the tax data 121.

[0016] In step S6, the allocation processing element 131 extracts the initially set or updated family / friend relationship from the customer file 110, and compiles the tax information 121 based on the family / friend relationship to obtain a family / friend tax information 1310. In step S60, the allocation processing element 131 compares the policy asset 132 to generate an allocation opinion 1311. Furthermore, as shown in FIG6, the allocation processing element 131 can set a payment ratio, a payment time, and a payment period for the policy asset 132 corresponding to the family / friend relationship. Therefore, when the allocation processing element 131 learns of the policy asset 132, it checks the payment ratio, the payment time, and the payment period set for the corresponding policy asset 132, and recalculates the tax information 121 based on the payment ratio to update the family / friend tax information 1210 and the allocation opinion 1311. Incidentally, in one implementation, the wealth transfer calculation system 1 allows the user to directly input, on the screen displayed on the graphical interface 10, at least one planned allocation amount to be gifted or bequeathed to each relative or friend based on the relationship between the relatives and friends. Thus, when the allocation processing element 131 receives the input planned allocation amount, it calculates the tax data 121 and the policy assets 132 to generate demand adjustment data, which is then used by the demand diagnosis module 13 to further adjust the demand diagnosis table 133.

[0017] Step S7, the user can order the report creation module 14 through the graphical display interface 10 to compile at least one of the insurance information 1100, the tax information 121, the policy assets 132, the demand diagnosis form 123 and the allocation opinion 1311 to create at least one review report 130.

[0018] The modules described in this invention are implemented through hardware or software supplemented by hardware. For example, the definitions of graphical display interface 10, customer management module 11, tax diagnosis module 12, demand diagnosis module 13 and report generation module 14 essentially refer to the integration of various hardware devices such as CPU, microprocessor, memory or signal transmitter, and the technical features implemented by software programs.

[0019] The above description is only a preferred embodiment of the present invention and is not intended to limit the scope of the present invention; therefore, any equivalent changes and modifications made without departing from the spirit and scope of the present invention should be covered within the patent scope of the present invention. [Simplified Explanation of the Diagram]

[0020] Figure 1 is a diagram of a preferred embodiment of the present invention. Figure 2 is an architectural diagram of a second preferred embodiment of the present invention. Figure 3 is a flowchart of a second preferred embodiment of the present invention. Figure 4 is a schematic diagram of the application of a tax diagnosis module in a graphical display interface of a second preferred embodiment of the present invention. Figure 5 is a schematic diagram of the application of a demand diagnosis table in a graphical display interface of a second preferred embodiment of the present invention. Figure 6 is a schematic diagram of the application of allocation processing elements in a graphical display interface of a second preferred embodiment of the present invention.

Claims

1. A wealth transfer calculation system, installed in at least one electronic device, comprising: a tax diagnosis module having a plurality of tax calculation models, each corresponding to a different policy effective period; when the tax diagnosis module receives at least one piece of insurance application information, it analyzes the policy effective date of the insurance application information and selects the corresponding tax calculation model, and the tax calculation model uses an input calculation age to calculate a corresponding negative tax data, the negative tax data including at least one insured person's tax amount data, at least one policyholder's tax amount data, and at least one beneficiary's tax amount data; and a demand diagnosis module having a plurality of insurance policy products stored in it and electrically connected to the tax diagnosis module to receive the negative tax data, the demand diagnosis module analyzing the insurance application information to generate a policy asset, and then using the negative tax data and the policy asset to calculate each of the insurance policy products to generate a demand diagnosis table, thereby recommending at least one suitable insurance policy product based on the negative tax data; wherein... The demand diagnosis module is equipped with an allocation processing element. This allocation processing element intercepts a family and friend relationship from the customer's file. Alternatively, when the wealth inheritance calculation system receives the input insurance information, the allocation processing element parses the insurance information to obtain the family and friend relationship corresponding to the customer's file, and further compares and updates the family and friend relationship in the customer's file. Accordingly, the allocation processing element compiles the tax information based on the family and friend relationship to obtain the family and friend's tax information, and further compares it with the policy assets to generate an allocation opinion.

2. The wealth transfer calculation system as described in claim 1, wherein, The allocation processing element is used to set the payment ratio, payment time and payment period for the policy assets corresponding to one of the relatives or friends, and the allocation processing element recalculates the tax information based on the payment ratio to update the tax information of the relatives or friends and the allocation opinion.

3. The wealth transfer calculation system as described in claim 2, wherein, When the allocation processing element receives input of at least one planned allocation amount corresponding to the relative relationship, it calculates the tax information and the policy assets to generate demand adjustment information, which is then used by the demand diagnosis module to further adjust the demand diagnosis table.

4. The wealth transfer calculation system as described in claim 2 includes a report generation module electrically connected to the tax diagnosis module and the demand diagnosis module. The report generation module compiles at least one of the insurance information, the tax information, the policy assets, the demand diagnosis form and the allocation opinion to generate at least one review report.

5. The wealth transfer calculation system as described in claim 1, wherein, Each tax calculation model is based on death benefit, principal repayment, premium payment, and accumulated premiums in the insurance application data for life insurance, annuities, and investment-linked insurance as the main diagnostic criteria to calculate the tax liability data.

6. The wealth transfer calculation system as described in claim 1 includes a customer management module electrically connected to the tax diagnosis module and the demand diagnosis module, the customer management module being used to create and manage multiple customer files.

7. The wealth transfer calculation system as described in claim 6 includes a graphical display interface electrically connected to the tax customer management module, the diagnostic module, and the demand diagnostic module. When multiple customer data are input through the graphical display interface, the customer management module aggregates the customer data to build a corresponding customer file, and the customer data includes the customer name, the insurance information, and a relative relationship.

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