Methods and apparatus for selecting an insurance carrier for an online insurance policy purchase
First Claim
1. An apparatus structured to select a business insurance carrier from a plurality of insurance carriers, the apparatus comprising:
- an Internet receiver;
an Internet transmitter;
a memory device;
a web page generator operatively coupled to the Internet receiver, the Internet transmitter, and the memory device, the web page generator being structured to transmit a first web page to a client device via the Internet transmitter, the first web page including a standard industrial code (SIC) prompt and a zip code prompt, the web page generator being further structured to transmit a second web page to the client device via Internet transmitter, the second web page including a kill question;
an insurance carrier determination module operatively coupled to the Internet receiver and the memory device, the insurance carrier determination module being structured to select the plurality of insurance carriers from the memory device based on a standard industrial code received via the Internet receiver and a zip code received via the Internet receiver, the insurance carrier determination module being further structured to select a candidate insurance carrier from the plurality of insurance carriers based on a kill question response received via the Internet receiver; and
a kill question selector operatively coupled to the memory device, the kill question selector being structured to retrieve the kill question from the memory device based on at least one insurance carrier in the plurality of insurance carriers.
8 Assignments
0 Petitions
Accused Products
Abstract
Methods and apparatus for selecting an insurance carrier for an online insurance policy purchase are disclosed. A user at a client device, such as a personal computer connected to the Internet, receives a plurality of business insurance quotes with minimal data input requirements. A plurality of insurance carriers are narrowed down to a few relevant insurance carriers based on the user'"'"'s zip code, standard industrial code (SIC), desired insurance products, a small number of “kill” questions, and a customized insurance application which is dynamically generated in response to previous answers.
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Citations
25 Claims
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1. An apparatus structured to select a business insurance carrier from a plurality of insurance carriers, the apparatus comprising:
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an Internet receiver;
an Internet transmitter;
a memory device;
a web page generator operatively coupled to the Internet receiver, the Internet transmitter, and the memory device, the web page generator being structured to transmit a first web page to a client device via the Internet transmitter, the first web page including a standard industrial code (SIC) prompt and a zip code prompt, the web page generator being further structured to transmit a second web page to the client device via Internet transmitter, the second web page including a kill question;
an insurance carrier determination module operatively coupled to the Internet receiver and the memory device, the insurance carrier determination module being structured to select the plurality of insurance carriers from the memory device based on a standard industrial code received via the Internet receiver and a zip code received via the Internet receiver, the insurance carrier determination module being further structured to select a candidate insurance carrier from the plurality of insurance carriers based on a kill question response received via the Internet receiver; and
a kill question selector operatively coupled to the memory device, the kill question selector being structured to retrieve the kill question from the memory device based on at least one insurance carrier in the plurality of insurance carriers. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9)
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10. A method of selling business insurance, the method comprising:
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transmitting a standard industrial code (SIC) prompt and a zip code prompt to a client device via a network;
receiving a standard industrial code and a zip code from the client device via the network;
determining a plurality of insurance carriers based on the standard industrial code and the zip code;
retrieving a predetermined kill question associated with at least one insurance carrier in the plurality of insurance carriers from a memory device;
transmitting the predetermined kill question to the client device via the network;
receiving a kill question response from the client device via the network;
determining at least one candidate insurance carrier by eliminating the at least one insurance carrier associated with the predetermined kill question from the plurality of insurance carriers based on the kill question response;
generating a customized insurance application based on the at least one candidate insurance carrier; and
transmitting the customized insurance application to the client device via the network. - View Dependent Claims (11, 12, 13, 14, 15, 16, 17, 18)
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19. An apparatus structured to sell an insurance policy, the apparatus comprising:
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an Internet receiver;
an Internet transmitter;
a processing unit operatively coupled to the Internet receiver and the Internet transmitter; and
a memory device operatively coupled to the processing unit, the memory device storing a software program structured to cause the processing unit to;
transmit a standard industrial code (SIC) prompt and a zip code prompt via the Internet transmitter;
determine a plurality of insurance carriers in response to receiving a standard industrial code and a zip code via the Internet receiver;
retrieve a predetermined kill question associated with at least one insurance carrier in the plurality of insurance carriers from the memory device;
transmit the predetermined kill question via the Internet transmitter;
determine at least one candidate insurance carrier by eliminating the at least one insurance carrier associated with the predetermined kill question from the plurality of insurance carriers based on a kill question response received via the Internet receiver;
generate a customized insurance application based on the at least one candidate insurance carrier; and
transmit the customized insurance application via the Internet transmitter. - View Dependent Claims (20, 21, 22, 23, 24)
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25. A computer readable medium storing a software program structured to cause an Internet server to:
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transmit a standard industrial code (SIC) prompt and a zip code prompt;
determine a plurality of insurance carriers in response to receiving a standard industrial code and a zip code;
retrieve a predetermined kill question associated with at least one insurance carrier in the plurality of insurance carriers;
transmit the predetermined kill question;
determine at least one candidate insurance carrier by eliminating the at least one insurance carrier associated with the predetermined kill question from the plurality of insurance carriers based on a kill question response;
generate a customized insurance application based on the at least one candidate insurance carrier; and
transmit the customized insurance application.
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Specification