Patent ID: 7904532
Filing Date: 2011-03-08
Classification: G06Q

Abstract:
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 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 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 a standard industrial code and a zip code 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 at least one kill question from the memory device, wherein the at least one retrieved kill question is associated with the insurance carriers in the subset of insurance carriers and used by the web page generator in generating the second web page.