Patent ID: 8396723

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