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PATENT COOPERATION TREATY 

p£T I REC'D 23 M2DQ3 



rNTEKNATIONAL PRELIMINARY EXAMINATION T^&E^RT 1 ... 
(PCT Article 36 and Rule 70) 



Applicant's or agent's file reference 
PA129S80/PCT 


FOR FURTHER ACTION See Notification of l^^J'^f}^^ 

Preliminary Examination Report (Form PCT/IPEA/ 410) 


International application No. 
PCT/IB01/01406 


International filing date (day /month/year) 
07 AUGUST 2001 


Priority date (day /month/year) 
07 AUGUST 2000 


International Patent Classification (IPC) or national classification and IPC 
IPC(7): G06F 17/60 and US CI.: 705/36, 35, 4 


Applicant 
DISCOVERY LIFE (PTY) LTD 



1. This international preliminary examination report has been prepared by this International Preliminary 
Examining Authority and is transmitted to the applicant according to Article 36. 

2. This REPOBT consists of a total otf? sheets. 

□ This report is also accompanied by ANNEXES, Le., sheets of the description, claims and/or drawings which have 
been amended and are the basis for this report and/or sheets containing rectifications made before this Authority, 
(see Rule 70.16 and Section 607 of the Administrative Instructions under the POT). 

These annexes consist of a total of " sheets. 



3. This report contains indications relating to the following items: 



I 


s 


n 


□ 


m 


□ 


IV 


□ 


V 




YI 


□ 


vu 


□ 


vm 


□ 



citations and explanations supporting such statement 



Date of submission of the demand 
06 MARCH 2002 


Date of completion of this report 
13 JULY 2002 


Name and mailing address of the IPEA/US 
Commissioner of Patents and Trademarks 

Box PCT £ 
Washington, D.C. 80231 > 

Facsimile No. (70s) S05-S2S0 


^An^norized officer J^^^ ^ 

7\ HANI KAZIMI 
"Telephone No. (70S)-305-1061 



Form PCT/IPEA/409 (cover sheet) (July 1998)* 



INTERNATIONAL PRELIMINARY EXAMINATION REPORT 



International application No. 
PCT/IB01/01406 



I. Basis of the report 



X 



1 - With regard to the elements of the international application: * 
the international application as originally filed 
the description: 
pages 



X 



pages 



!~ 15 , as originally filed 

NONE 9 filed with the demand 



pages NONE , filed with the letter of 



X 



the claims: 

pages 16-19 s as originally filed 

pages NONE 9 as amended (together with any statement) under Article 19 

pages NONE 9 filed with the demand 

pages NONE s filed with the letter of 



X the drawings: 

pages NONE , as originally filed 

pages NONE ? filed with the demand 

pages NONE ^ filed with the letter of 



X 



the sequence listing part of the description: 

pages NONE | ^ as originally filed 

pages NONE a filed with the demand 

pages NONE , filed with the letter of 

2. With regard to the language, all the elements marked above were available or furnished to this Authority in the language in which 
the international application was filed, unless otherwise indicated under this item. 

These elements were available or furnished to this Authority in the following language which is: 

1 | the language of a translation furnished for the purposes of international search (under Rule 23.1(b)). 
1 | the language of publication of the international application (under Rule 48.3(b)). 

| | the language of the translation furnished for the purposes of international preliminary examination (under Rules 55.2 and/ 
or 55.3). 

3. With regard to any nucleotide and/or amino acid sequence disclosed in the international application, the international 
preliminary examination was carried out on the basis of the sequence listing: 

□ contained in the international application in printed form. 

| | filed together with the international application in computer readable form. 

| | furnished subsequently to this Authority in written form. 

| | furnished subsequently to this Authority in computer readable form. 

□ The statement that the subsequently furnished written sequence listing does not go beyond the disclosure in the 
international application as filed has been furnished. 

The statement that the information recorded in computer readable form is identical to the writen sequence listing has 
1 — 1 been furnished. 

4 1 x[ The amendments have resulted in the cancellation of: 

the description, pages NONE 



X 



X 



the claims, Nos. NONE 



l~xl the drawings, sheets/fig NONE 



5. | | This report has been drawn as if (some of) the amendments had not been made, since they have been considered to go 

beyond the disclosure as filed, as indicated in the Supplemental Box (Rule 70.2(c)).** 
* Replacement sheets which have been furnished to the receiving Office in response to an invitation wider Article 14 are referred to 

in this report as "originally filed" and are not annexed to this report since they do not contain amendments (Rules 70.16 

and 70.17). 

**Any replacement sheet containing such amendments must be referred to under item 1 and annexed to this report. 



Form PCT/IPEA/409 (Box I) (July 1998) ★ 



INTERNATIONAL PRELIMINARY EXAMINATION REPORT 



International application No. 
PCT/IB01/01406 



V. Reasoned statement under Article 35(2) with regard to novelty, inventive step or industrial applicability; 
citations and explanations supporting such statement 



1. statement 

Novelty (N) 



Claims l-i* 



Claims NONE 



YES 
NO 



Inventive Step (TS) 



Claims 1-1* 



Claims NONE 



YES 
NO 



Industrial Applicability (IA) Claims 1-1* YES 

Claims NONE ; - NO 

citations and explanations (Rule 70.7) 
Claims 1-14? meet the criteria set out in PCT Article SS(2)-(4), because the prior art does not teach or fairly suggest a 
method of managing an investment of a policyholder which corresponds to a sum assured comprising the steps of selecting 
at least one predefined index and linking the basic sum assured to the selected index to define a total sum assured, so that 
the value of the total sum assured increases or decreases with changes in the value of the selected index, and combining the 
basic index with an additional premium in accordance with the cost of linking the basic sum assured to the selected index 
in aperiodic campsite premium. DiCresce fails to teach the above features and the steps of associating a selected insured 
amount less than the total sum assured with selected pre-defined future events, and permitting the policyholder to draw 
from the fund an amount corresponding to the respective insured amount on occurrence of any of the pre-defined future 



NEW CITATIONS 

NONE 



Form PCT/IPEA/409 (Box V) (July 1998)*