Abstract: Disclosed is a system that may be used by a parent organization or group that allows local entities who are part of the group or parent organization to customize and distribute messages to local customers or other users of a software application provided by the parent organization that may be preloaded with generic messages. Also disclosed are examples of processes and systems providing local members of the group with options controlling how input or data is processed when it is received from customers responding to the customized messages.

Abstract: The invention provides a computer-implemented method of providing an insurance quotation to a prospect by associating the prospect with a profitability segment prior to providing the insurance quotation. The method further includes receiving identity information associated with the prospect and accessing at least one database using the identity information to generate a profitability score for the prospect. If the profitability score for the prospect meets a profitability threshold, then one or more second databases may be accessed to retrieve incident data and prior insurance data for the prospect and generating an insurance quotation based on the incident data and the prior insurance data retrieved from the one or more second databases. If the probability score for the prospect fails to meet the profitability threshold, then a process other than if the profitability score for the prospect meets the profitability threshold is executed.