Abstract: A connectivity hub server detects the occurrence of a qualifying update event associated with a user and generates one or more recommended updates to the user's existing coverage based on the qualifying update event. Responsive to the user electing an adaptive coverage policy during an initial coverage binding process, the connectivity hub server periodically queries one or more third-party data sources for information associated with the user and analyzes the received information to detect the occurrence of a qualifying update event. Modules of the connectivity hub server determine one or more recommended coverage updates based on a stored mapping and implement one or more of the recommended coverage updates based on instructions from the user device.

Abstract: A protection coverage selection and election process may comprise a user entering through a dealer platform at a direct point of sale location logging in to a protection coverage selection and election platform portal customer information; a user receiving through the dealer platform coverage information, a user accessing through the dealer platform a protection coverage for each coverage selection, and the user communication through the platform portal with a licensed protection coverage agent for a selected protection coverage provider to obtain a finalized arrangement for the protection coverage. The system and process may further comprise prompting the customer, through the platform portal to answer any additional questions to the customer in accordance with any particular requirements of the selected protection coverage provider. The system and method may further comprise the user receiving on behalf of or sending to the customer a link to protection coverage policy documents ready for E-signing.

Abstract: A connectivity hub server facilitates interactions between processors associated with multiple entities participating in the purchase and sale of goods and related coverage services. Minimal customer data is input through a customer client device and is used to retrieve additional customer data from one or more third-party data sources. Received customer data is analyzed to determine a level of sensitivity, and data items having a sensitivity level exceeding a threshold are obscured on the display of a dealer processor. The connectivity hub server queries one or more coverage provider processors and provides for display on the customer client device available coverage options received from a subset of the queried processors. Responsive to the customer selecting an available coverage option, the connectivity hub server opens a direct communication channel between the customer and selected coverage provider.

Abstract: A protection coverage selection and election process may comprise a user entering through a dealer platform at a direct point of sale location logging in to a protection coverage selection and election platform portal customer information; a user receiving through the dealer platform coverage information, a user accessing through the dealer platform a protection coverage for each coverage selection, and the user communication through the platform portal with a licensed protection coverage agent for a selected protection coverage provider to obtain a finalized arrangement for the protection coverage. The system and process may further comprise prompting the customer, through the platform portal to answer any additional questions to the customer in accordance with any particular requirements of the selected protection coverage provider. The system and method may further comprise the user receiving on behalf of or sending to the customer a link to protection coverage policy documents ready for E-signing.