Patent ID: 8271300
Filing Date: 2012-09-18
Classification: G06Q

Abstract:
1. A reflexive underwriting processor-implemented method, comprises: selecting a list of first-level core questions from a pool of insurance questions; presenting the list of first-level core questions for an insurance applicant; obtaining answers to some of the list of presented first-level core questions; determining, via a processor, that at least one of the answers to some of the list of presented first-level core questions relates to a family member of the insurance applicant; selecting, via the processor, a list of second-level topical questions related to the family member from the pool of insurance questions based on the obtained answers to some of the list of presented first-level core questions; presenting the selected list of second-level topical questions related to the family member; obtaining answers to some of the presented list of second-level topical questions related to the family member; selecting a list of third-level subtopic questions related to the family member from the pool of insurance questions based on the obtained answers to some of the presented list of second-level topical questions related to the family member; presenting the selected list of third-level subtopic questions related to the family member; obtaining answers to the presented list of third-level subtopic questions related to the family member; presenting a next unanswered second-level topical question related to the family member upon obtaining answers to the presented list of third-level subtopic questions related to the family member; obtaining an answer to the presented next unanswered second-level topical question related to the family member; selecting a next unanswered first-level core question from the pool of insurance questions upon obtaining the answer to the presented next unanswered second-level topical question related to the family member; presenting the selected next unanswered first-level core question; and obtaining an answer to the presented next unanswered first-level core question.