Patent ID: 8275707

Claim:
A process on a computer for identifying a normalized insurance quality index of insurance policies, said process comprising: establishing, through use of a server system controller, scores for said insurance policies, said scores being established from raw data representing at least some of said insurance policies; performing a score to index conversion on said scores to generate said normalized insurance quality index, wherein said step of performing score to index conversion includes transforming, with use of said server system controller, said scores being established from raw data representing at least some of said insurance policies into output signals for display as a predictive index of said normalized insurance quality index, said transforming of said scores being established from raw data representing at least some of said insurance policies into output signals for display dynamically as a predictive index of said normalized insurance quality index further including the process comprising: (i) refreshing, through use of said server system controller, said scores to account for any recent changes relevant to said insurance policies; and (ii) projecting, through use of said server system controller, profitability by national level from at least the following differences including: differences in discount policies, differences between books of business, different writing companies, different premiums, projected profitability by territory, projected loss ratio, and different territory within a state so as to provide an output of a predicted desirability of said at least some of said insurance policies; and outputting, through use of said server system controller, into a visual depiction, said normalized insurance quality index for appropriate human interaction, said outputting further comprising at least the steps of providing said output of said predicted desirability from said step of projecting profitability, of said at least some of said insurance policies, and assessing, by an underwriter according to said predicted desirability of said at least some of said insurance policies, at least some of said insurance policies for either issuance, re-tiering, or non-renewal.