Patent ID: 7685008

Claim:
A method of managing an underwriting account for an insurance policy, the method comprising: establishing a plurality of participants by assigning each participant to one of a plurality of accounts stored in a database in a computer system, the plurality of participants comprising: a first participant representing a first customer for a first account; and a second participant representing a second customer for the first account; storing data related to the plurality of participants, the first account and a second account in the database, the database comprising a data structure encoded on a computer-readable memory, said data structure comprising a first tier, a second tier and a third tier, wherein the first tier comprises an account entity class, the second tier comprises a customer entity class, and the third tier comprises a product entity class and a service entity class, wherein the customer entity class includes a plurality of customer entities that store the data related to the plurality of participants, and wherein the account entity class includes a plurality of account entities that store data related to the first account and the second account, wherein the product entity class includes a plurality of product entities that store data related to products available for offer to the plurality of participants, wherein the service entity class includes a plurality of service entities that store data related to services available for offer to the plurality of participants; performing, using the computer system, underwriting pattern analysis on data at each of the first tier, the second tier and the third tier of the data structure; and providing, using the computer system, an account level underwriting decision at an account level based upon data related to individual participants of the plurality of participants assigned to the first account and the underwriting pattern analysis.