Abstract: The present invention provides a system that quickly and efficiently supplies an applicant with application questions that are dynamically tailored to a particular applicant, decides whether to offer the applicant long term health insurance coverage and terms of the offer, and equips an agent with information necessary to provide a more accurate quote to the applicant. Various embodiments of the present invention provide applicants with an appropriate number of questions depending on the extensiveness and type of their medical history and conditions and may provide an offer or notice of no offer of long-term coverage within a few seconds to a few hours.