Patent ID: 7533803

Claim:
A method comprising: providing an account data center; providing an insurance benefit database associated with the account data center; providing an eligibility database; providing an account holder access to the account data center, where the account holder has an associated financial account; accessing information in the eligibility database associated with at least one of (a) the account holder and/or (b) the information relating to the financial account; determining a type and/or level of insurance to offer to the account holder; providing an insurance policy offer to the account holder from the insurance benefit database; and determining a rating for the financial account and storing the rating in an eligibility database, wherein determining a rating for the financial account is based at least on information related to the financial account, where one or more of the following pieces of information are used in determining the rating: financial account includes on-line banking; financial account is a joint account; financial account includes automatic payroll depositing; average balance associated with the financial account; number of times there was insufficient funds or over drafts in a given time period; financial account includes check card feature; financial account includes credit card feature; and financial account includes overdraft protection.