Abstract: A method, computer program product and system are provided for automatically detecting and notifying a party of a change in the party's insurance needs without the need for user intervention, on the part of an agent or the party him-, her-, or itself. Prospective customers can be identified through marketing, or an insurance provider may execute software that is configured to monitor one or more data sources that include information associated with the party and/or the party's environment. Upon detecting a triggering event that indicates a change in the party's insurance needs, the software may automatically notify the party of the change and provide a recommendation for a change in the party's insurance coverage resulting from the change in the party's insurance needs. The notification may further include a bindable quote associated with the recommendation, as well as a means by which the party can accept the recommendation and quote.