Patent ID: 7921045

Claim:
A method for offering insurance products to a potential purchaser without performing a complete audit of the potential purchaser, comprising: developing a questionnaire corresponding to a first insurance product; identifying standards for evaluating the questionnaire; providing the questionnaire to the potential purchaser of the first insurance product, the questionnaire requiring confidential information from the potential purchaser; requesting the potential purchaser to complete the questionnaire; submitting a completed questionnaire to a third party to confidentially evaluate the completed questionnaire based on the standards, the completed questionnaire including confidential information of the potential purchaser; receiving, by an offeror, from the third party a non-confidential result of the evaluation, the non-confidential result including a recommendation to offer or not to offer the first insurance product to the potential purchaser based on the standards; offering, by the offeror, the first insurance product to the potential purchaser when the recommendation is to offer the first insurance product; and maintaining, by the third party, the confidential information of the potential purchaser in confidence between the potential purchaser and the third party, including maintaining the confidential information confidential from the offeror of the first insurance product, wherein the providing step, the requesting step, the submitting step, the receiving step, and the offering step are performed on at least one particular machine, said at least one particular machine comprising at least one physical computing device; wherein the third party is a law firm offering legal services including corporate audit services and insurance defense services and maintaining further comprises using the third party as counsel for the plan sponsor in the event of a claim covered by the first insurance product; wherein maintaining further comprises requiring the potential purchaser to execute a waiver permitting the third party to disclose the evaluation result of the questionnaire in the event of a claim covered by the first insurance product.