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 storing information for the plurality of insurance carriers and a plurality of kill questions, wherein each kill question is associated with at least one of the insurance carriers;
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 business type information prompt and a geographic location information 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 at least one of the kill questions;
an insurance carrier determination module operatively coupled to the Internet receiver and the memory device, the insurance carrier determination module being structured to select a subset of the plurality of insurance carriers from the memory device based on business type information and geographic location information input in the first web page at the client device and received via the Internet receiver the insurance carrier determination module being further structured to select at least one candidate insurance carrier from the subset of insurance carriers based on responses to the at least one kill question input in the second web page at the client device and received via the Internet receiver; and
a kill question selector operatively coupled to the memory device, the kill question selector being structured to retrieve kill questions from the memory device that are associated with the insurance carriers in the subset of insurance carriers for use by the web page generator in generating the second web page.
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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 geographic location, type of business, desired insurance products, responses to 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
32 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 storing information for the plurality of insurance carriers and a plurality of kill questions, wherein each kill question is associated with at least one of the insurance carriers;
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 business type information prompt and a geographic location information 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 at least one of the kill questions;
an insurance carrier determination module operatively coupled to the Internet receiver and the memory device, the insurance carrier determination module being structured to select a subset of the plurality of insurance carriers from the memory device based on business type information and geographic location information input in the first web page at the client device and received via the Internet receiver the insurance carrier determination module being further structured to select at least one candidate insurance carrier from the subset of insurance carriers based on responses to the at least one kill question input in the second web page at the client device and received via the Internet receiver; and
a kill question selector operatively coupled to the memory device, the kill question selector being structured to retrieve kill questions from the memory device that are associated with the insurance carriers in the subset of insurance carriers for use by the web page generator in generating the second web page. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8)
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9. A method of selling business insurance, the method comprising:
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transmitting a business type information prompt and a geographic location information prompt to a client device via a network;
receiving business type information and geographic location information from the client device via the network;
selecting a subset of a plurality of available insurance carriers based on the business type information and the geographic location information;
retrieving kill questions associated with the insurance carriers in the subset of insurance carriers from a memory device;
transmitting the retrieved kill questions to the client device via the network;
receiving responses to the kill questions from the client device via the network; and
selecting at least one candidate insurance carrier from the subset of insurance carriers based on the responses to the kill questions. - View Dependent Claims (10, 11, 12, 13, 14, 15, 16)
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17. 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 business type information prompt and a geographic location information prompt via the Internet transmitter;
select a subset of a plurality of available insurance carriers in response to receiving business type information and geographic location information via the Internet receiver;
retrieve kill questions associated with the insurance carriers in the subset of available insurance carriers from the memory device;
transmit the retrieved kill questions via the Internet transmitter; and
select at least one candidate insurance carrier from the subset of available insurance carriers based on responses to the kill questions received via the Internet receiver. - View Dependent Claims (18, 19, 20, 21, 22)
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23. A computer readable medium storing a software program structured to cause an Internet server to:
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transmit a business type information prompt and a geographic location information prompt;
select a subset of a plurality of available insurance carriers in response to receiving business type information and geographic location information;
retrieve kill questions associated with the insurance carriers in the subset of insurance carriers;
transmit the retrieved kill questions; and
select at least one candidate insurance carrier from the subset of insurance carriers based on responses to the kill questions. - View Dependent Claims (24, 25, 26)
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27. A method of selling business insurance, the method comprising:
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transmitting a prompt for preliminary insurance carrier selection information to a client device via a network;
receiving preliminary carrier selection information from the client device via the network;
selecting a subset of a plurality of available insurance carriers based on the preliminary carrier selection information;
retrieving kill questions associated with the insurance carriers in the subset of insurance carriers from a memory device;
transmitting the retrieved kill questions to the client device via the network;
receiving responses to the kill questions from the client device via the network; and
selecting at least one candidate insurance carrier from the subset of insurance carriers based on the responses to the kill questions. - View Dependent Claims (28, 29, 30, 31, 32)
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Specification