Patent ID: 7490050

Claim:
A method of furnishing a real-time, on-line quote for an insurance product for a user, comprising: presenting to the user an assistance feature comprising at least one of a coverage recommendation feature that makes coverage recommendations for the user based on financial information about the user and a coverage choices feature that displays to the user coverage choices without requiring the financial information about the user; receiving from the user at a computing device basic user information by an on-line quote system application via an on-line quote system web server; providing by the on-line quote system application the assistance feature that generates at least one of said coverage recommendations and said coverage choices for the user responsive to the basic user information received from the user; receiving from the user underwriting information by the on-line quote system application via the on-line quote system web server; receiving rating information for the user from a rating engine by the on-line quote system application responsive to the basic user information and the underwriting information received from the user; and providing a quote for the user for the at least one of said coverage recommendations and said coverage choices by the on-line quote system application via the on-line quote system web server responsive to the basic user information and the underwriting information received from the user and the rating information received from the rating engine.