Abstract: A computer system is configured to perform automated insurance re-quoting operations and perform acts including storing an insurance customer data set and, in association therewith, one or more insurance re-quoting triggers and one or more betterment conditions. The computer system is configured to conduct an insurance re-quoting operation responsive to satisfaction of at least one insurance re-quoting trigger and access, directly or indirectly, at least one insurance carrier quoting system to cause the insurance carrier or carriers to return insurance quote(s), access at least one third-party service to cause the third-party service to return insurance quote(s) or an insurance quote estimate(s).

Abstract: A computer-implemented method is provide to incentivize a policy holder of an insurance company to increase membership in the insurance company. This method includes the act of, using a processing device, generating a unique code and associating the unique code to each policy holder in a memory associated with a database of policy holders. The method also includes the acts of receiving, in association with a first policy holder, a unique code associated with a second policy holder and, using the processing device or another processing device, associating the unique code of the first policy holder with the unique code of the second policy holder in the memory associated with the database. The method also includes the act of determining, using the processing device or the another processing device, if either of or both of the new policy holder and the another policy holder are entitled to a benefit responsive to the new association between the policy holders.