COMPUTERIZED SYSTEM AND METHOD OF PERFORMING INSURABILITY ANALYSIS

摘要

A method and system for evaluating insurability of an applicant for insuranc e from a carrier (102). A server (108), receiving and responsive to communications from a client computer (112), renders a contemporaneous insurability decision. The communications from the client computer include responses to an interactive questionnaire presented via a browser. A databas e (118) associated with the server stores a comprehensive set of questions for collecting underwriting information and the server executes processing rules (126) to determine which questions to present in the questionnaire. The questionnaire includes base questions and detail questions. The detail questions are each related to at least one of the base questions for collecting further information related to the respective base question. The server renders the insurability decision and exports a summary file to the carrier. The summary file includes the questions and responses thereto as we ll as the insurability decision.