Abstract: The exemplary embodiments of the present invention provide a system and method for providing underwriting insurance policies system on a computer system. The method comprises receiving a request from an applicant for insurance and receiving medical data of the applicant. The method further comprises denying insurance coverage if applicant has high cardiovascular risk, constructing an action plan for reducing the applicant's cardiovascular risk if applicant is denied coverage, and sending the action plan to the applicant. The system includes a tangible storage medium readable by an instruction processing system, means for receiving a request from an applicant for insurance and means for receiving medical data of the applicant. The system further includes means for denying insurance coverage if applicant has high cardiovascular risk, means for constructing an action plan for reducing the applicant's cardiovascular risk if applicant is denied coverage and means for sending the action plan to the applicant.