C.L.A.I.M. INDEX

PROVIDING INFORMATION IN INSURANCE MATTERS IN THE FORM OF AN INDEX OF COMPREHENSIVE LOSS AGGREGATION OF INSURANCE MEASUREMENT IN REAL TIME BY LINE OF COVERAGE BASED UPON THE AGGREGATION OF HISTORICAL EARNED PREMIUM ADJUSTED FOR INCURRED LOSSES OF A POLICYHOLDER, WHICH INDEX SERVES AS A PREDICTOR OF FUTURE LOSSES UTILIZED IN THE INSURANCE UNDERWRITING PROCESS ESTABLISHING A NUMERICAL INDICATOR FOR UNDERWRITING AUTOMATION