Automatic insurance quote system and method
First Claim
1. A system for automatically providing insurance policy changes for a customer, comprising:
- at least one subsystem including a processor and memory coupled to the processor and configured to electronically determine a change in circumstances of an existing customer relative to a first insurance policy;
at least one subsystem including a processor and memory coupled to the processor and configured to receive a communication from a first family memory relating to the change in circumstances, wherein the communication is provided without solicitation from an insurance company and the change in circumstances is associated with the first family member;
at least one subsystem including a processor and memory coupled to the processor and configured to initialize an automatic response relating to the change in circumstance; and
at least one subsystem including a processor and memory coupled to the processor and configured to automatically communicate the response to at least one family member of the customer, wherein the response is communicated to a second family member of the customer covered by the first insurance policy regarding the change in circumstances after the change in circumstances occurs, the response being communicated as a result of the communication from the first family member affecting the first insurance policy, and the response includes information regarding available changes to the first insurance policy due the change in circumstances.
1 Assignment
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Accused Products
Abstract
The present disclosure includes a method and system for detecting a change in circumstances of a customer and for proactively providing a response thereto, such as insurance quotes and/or coverage changes, to the customer and/or to one or more dependents of the customer. The customer may also initiate and accept an insurance quote for the dependent, and the dependent may initiate and accept an insurance quote on his/her own behalf. The insurance company may utilize data known to the company, or provided by an existing dependent of the customer, to communicate the response to the customer. The response may be communicated independently of a direct request from the dependents. Other dependents of the customer may also receive communications and provide authorization to change an existing policy. The response may also be communicated to a batch of customers meeting certain common criteria, independent of a direct customer request.
16 Citations
18 Claims
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1. A system for automatically providing insurance policy changes for a customer, comprising:
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at least one subsystem including a processor and memory coupled to the processor and configured to electronically determine a change in circumstances of an existing customer relative to a first insurance policy; at least one subsystem including a processor and memory coupled to the processor and configured to receive a communication from a first family memory relating to the change in circumstances, wherein the communication is provided without solicitation from an insurance company and the change in circumstances is associated with the first family member; at least one subsystem including a processor and memory coupled to the processor and configured to initialize an automatic response relating to the change in circumstance; and at least one subsystem including a processor and memory coupled to the processor and configured to automatically communicate the response to at least one family member of the customer, wherein the response is communicated to a second family member of the customer covered by the first insurance policy regarding the change in circumstances after the change in circumstances occurs, the response being communicated as a result of the communication from the first family member affecting the first insurance policy, and the response includes information regarding available changes to the first insurance policy due the change in circumstances. - View Dependent Claims (2, 3, 4, 5, 6)
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7. A computer-implemented method of automatically providing insurance policy changes for a customer, comprising:
using a processor in a system including a processor and a memory for storing executable instructions that are executable by the processor to perform; electronically determining a change in circumstances of an existing customer relative to a first insurance policy in a computer; receiving a communication from a first family memory relating to the change in circumstances, wherein the communication is provided without solicitation from an insurance company and the change in circumstances is associated with the first family member initializing an automatic response relating to the change in circumstances in the computer; and automatically electronically communicating the response to at least one family member of the customer over an electronic communication device, wherein the response is communicated to a second family member of the customer covered by the first insurance policy regarding the change in circumstances after the change in circumstances occurs, the response being communicated as a result of the communication from the first family member affecting the first insurance policy, and the response includes information regarding available changes to the first insurance policy due the change in circumstances. - View Dependent Claims (8, 9, 10, 11, 12)
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13. A non-transitory computer-readable medium encoded with computer-readable instructions for automatically providing insurance policy changes for a customer, the computer-readable instructions comprising instructions for causing a computer to:
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electronically determine a change in circumstances of an existing customer relative to a first insurance policy; receiving a communication from a first family memory relating to the change in circumstances, wherein the communication is provided without solicitation from an insurance company and the change in circumstances is associated with the first family member; initialize an automatic response relating to the change in circumstance; and automatically communicate the response to at least one family member of the customer, wherein the response is communicated to a second family member of the customer covered by the first insurance policy regarding the change in circumstances after the change in circumstances occurs, the response being communicated as a result of the communication from the first family member affecting the first insurance policy, and the response includes information regarding available changes to the first insurance policy due the change in circumstances. - View Dependent Claims (14, 15, 16, 17, 18)
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Specification