Abstract: The present disclosure includes a method and system for detecting a change in circumstances of a customer and for proactively providing a response thereto, such as insurance quotes and/or coverage changes, to the customer and/or to one or more dependents of the customer. The customer may also initiate and accept an insurance quote for the dependent, and the dependent may initiate and accept an insurance quote on his/her own behalf. The insurance company may utilize data known to the company, or provided by an existing dependent of the customer, to communicate the response to the customer. The response may be communicated independently of a direct request from the dependents. Other dependents of the customer may also receive communications and provide authorization to change an existing policy. The response may also be communicated to a batch of customers meeting certain common criteria, independent of a direct customer request.