| 摘要 |
Methods and apparatuses, including computer program products, are described for categorizing a life insurance applicant to determine one or more suitable insurance products. A computing device receives data associated with the applicant. The computing device determines a risk level for one or more insurance risk factors, an insurance need factor, and an insurance probability factor associated with the applicant based on the received data. The computing device combines the risk level, the insurance need factor, and the insurance purchase probability to generate an insurance suitability profile associated with the applicant. The computing device identifies one or more insurance products available to the applicant based on the insurance suitability profile. |
