Abstract: In one embodiment of the present invention, information about a customer is entered into an electronic system. In one embodiment, the customer is part of a low-margin market. In one embodiment, the customer's medical record comprises the customer's pharmaceutical records. In one embodiment, additional information (e.g., MIB, MVR, and/or Rx) is automatically requested about the customer from electronic databases using the information entered into the system about the customer. In one embodiment, information about a customer is scored. In another embodiment, certain information conditions are flagged. In one embodiment, if the customer meets the criteria for automatic policy approval, a policy is automatically issued for the customer. In one embodiment, if the customer meets the criteria for automatic policy denial, the customer is automatically denied a policy. In one embodiment, when certain customer information is entered, the customer's information is automatically sent to a human for review.