Patent ID: 8165903

Claim:
A computer-implemented method, comprising: causing execution of a risk management application for performing decision logic that relates to a risk exposure of a family of a user, the risk management application selected by the user from a plurality of different risk management applications each capable of performing different decision logic and using different databases; retrieving first information from a database corresponding to and in accordance with decision logic for the risk management application, via the execution of the risk management application; processing at least a portion of the first information in order to generate second information not originally included in the database, in accordance with the decision logic, the second information including risk exposure data for risk types associated with the risk management application selected by the user; receiving third information from the user in accordance with the decision logic corresponding to the risk management application utilizing a user interface; processing the second information and the third information utilizing the decision logic corresponding to the risk management application for generating fourth information, utilizing a processor; and providing the fourth information to the user for enabling the user to make an informed selection among a plurality of supplier offers relating to management of the risk exposure of the family of the user; wherein the fourth information includes, for a plurality of types of risk management offers, the risk and total cost for the user's family or for each member of the user's family, wherein the risk management offers include at least one of a health insurance policy, long-term care insurance policy, life insurance policy, auto insurance policy, financial investments, and home ownership, and the total cost including a premium or other fees and uncovered costs; wherein a single software platform includes an interface for interfacing the different risk management applications; wherein each of the different risk management applications is capable of performing the different decision logic and using the different databases, and the same single software platform is capable of driving a decision process through a sequence of decision-related operations to provide decision-relevant information to the user, where the sequence of decision-related operations are tailored to the risk management application selected by the user and the decision-relevant information is specific to the risk management application selected by the user such that different decision relevant-information is capable of being provided to the user for the different risk management applications in a common format via the same single software platform.