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Method and system for furnishing an on-line quote for an insurance product

  • US 20020188484A1
  • Filed: 05/17/2002
  • Published: 12/12/2002
  • Est. Priority Date: 05/19/2000
  • Status: Active Grant
First Claim
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1. A method of furnishing a real-time, on-line quote for an insurance product for a user, comprising:

  • allowing the user at a computing device to enter basic user information on an on-line quote system application via an on-line quote system web server;

    calling a common data entry system by the on-line quote system application to request credit information for the user;

    sending the requested credit information for the user to the on-line quote system application by the common data entry system;

    allowing the user to enter a selection on the on-line quote system application via the on-line quote system web server for an assistance feature for choosing a coverage for the user from a group of assistance features consisting of at least a coverage wizard feature that makes coverage recommendations for the user based on financial information entered by the user and a direct-to-quote feature that generates coverage choices for the user based on information previously entered by the user;

    allowing the user to enter a selection of coverage for the user on the on-line quote system application via the on-line quote system web server;

    allowing the user to enter underwriting information on the on-line quote system application via the on-line quote system web server;

    calling a rating engine of the common data entry system by the on-line quote system application to request rating information for the user based at least in part on the basic user information and at least in part on the underwriting information;

    sending the rating information for the user to the on-line quote system application by the common data entry system; and

    displaying a quote for the user for the selected coverage by the on-line quote system application via the on-line quote system web server based at least in part on the rating information.

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