Abstract: A Personal Health Application (PHA) management system stores templates that are used to generate customized PHA documents. The PHA management system receives a request for a PHA document, where the request includes information that describes a new insurance policy or modification of a policy that an insurance consumer is requesting, that indicates the state or other area in which the insurance consumer lives, that indicates the reason that the consumer is requesting the new policy or modification, and/or other information. The PHA management system generates a PHA document based on a stored template and the information included in the request, and the generated PHA document may be provided to the insurance consumer.

Abstract: Some embodiments may be directed to matching users, such as employees, with insurance records in an integrated database, wherein the integrated database includes a plurality of insurance records, each record being associated with a unique employee and having a plurality of fields. According to some embodiments, new employee information may be received and it may be determined that the new employee information does not qualify as a strong match with any insurance record in the integrated database. Moreover, it may be determined, based on a probabilistic pattern match of the new employee information with values in the fields of the integrated database, that the new employee information qualifies as a weak match with a particular insurance record in the integrated database.

Abstract: A Personal Health Application (PHA) management system stores templates that are used to generate customized PHA documents. The PHA management system receives a request for a PHA document, where the request includes information that describes a new insurance policy or modification of a policy that an insurance consumer is requesting, that indicates the state or other area in which the insurance consumer lives, that indicates the reason that the consumer is requesting the new policy or modification, and/or other information. The PHA management system generates a PHA document based on a stored template and the information included in the request, and the generated PHA document may be provided to the insurance consumer.