Patent ID: 8706531

Claim:
A system for automatically providing insurance policy changes for a customer, comprising: at least one subsystem including a processor and memory coupled to the processor and configured to electronically determine a change in circumstances of an existing customer relative to a first insurance policy; at least one subsystem including a processor and memory coupled to the processor and configured to receive a communication from a first family memory relating to the change in circumstances, wherein the communication is provided without solicitation from an insurance company and the change in circumstances is associated with the first family member; at least one subsystem including a processor and memory coupled to the processor and configured to initialize an automatic response relating to the change in circumstance; and at least one subsystem including a processor and memory coupled to the processor and configured to automatically communicate the response to at least one family member of the customer, wherein the response is communicated to a second family member of the customer covered by the first insurance policy regarding the change in circumstances after the change in circumstances occurs, the response being communicated as a result of the communication from the first family member affecting the first insurance policy, and the response includes information regarding available changes to the first insurance policy due the change in circumstances.