Patent ID: 8543425

Claim:
A method to provide life insurance, the method comprising: providing a computer having one or more processors and a memory; providing a website through a network using an information handler coupled to the network and a forms database including insurance forms, the information handler including a forms engine, a customer communication engine, and a quote engine, with the forms engine, the customer communication engine and the quote engine each being retained in the memory and executed by the one or more processors; receiving life insurance application information by the customer communication engine from a customer interacting with the website through the network, the life insurance application information includes data indicating use of a tobacco product by the customer within a predetermined time, data indicating death of a parent of the customer due to cancer or cardiovascular disease before a predetermined age, data indicating a height of the customer, data indicating a weight of the customer, data indicating that the customer intends to alter an existing life insurance policy, and data indicating a state of residence of the customer; determining, using the one or more processors, an estimate of a quote from the quote engine, wherein the estimate is based only on the data indicating use of the tobacco product by the customer within the predetermined time, the data indicating death of the parent of the customer due to cancer or cardiovascular disease before the predetermined age, the data indicating the height of the customer, and the data indicating the weight of the customer; providing the estimate of the quote from the quote engine to the customer; retrieving a life insurance application form from the form engine that is required by the state of residence of the customer in response to the data indicating that the customer intends to alter the existing life insurance policy; completing the life insurance application form, at the customer communication engine, using the life insurance application information received from the customer through the website; and submitting the life insurance application form, via the customer communication engine, to an entity responsible for processing life insurance applications for the state of residence of the customer.