We built some prototypes with the business people based on reflective questioning and ultimately chose ActionPoint Dialog Server to develop that piece of the user experience. If you answer yes, I would ask another series of 10 questions. If your answer is no, I go onto something entirely different. These are questions that would not have been asked if the respondent had answered no to the original question about smoking or weight loss. The pain came from wanting to sell variable life insurance products over the Internet.
Variable life combines both term and investment options, and therefore, it's a more complex product.
So the real pain is just trying to convince themselves, and ultimately the public, that they can actually sell this product directly to consumers without the active intervention and guidance of an agent. No one that I'm aware of has attempted to sell variable-life products online. We're working with the eBusiness folks in charge of helping all the different business areas of the company use the Internet effectively in a direct mode. Then, there are the product people who develop and market the product. We also interface with some of the direct sales folks who work at call centers.