Abstract: A method, computer program product and system are provided for automatically detecting and notifying a party of a change in the party's insurance needs without the need for user intervention, on the part of an agent or the party him-, her-, or itself. Prospective customers can be identified through marketing, or an insurance provider may execute software that is configured to monitor one or more data sources that include information associated with the party and/or the party's environment. Upon detecting a triggering event that indicates a change in the party's insurance needs, the software may automatically notify the party of the change and provide a recommendation for a change in the party's insurance coverage resulting from the change in the party's insurance needs. The notification may further include a bindable quote associated with the recommendation, as well as a means by which the party can accept the recommendation and quote.

Abstract: A system, method and computer program product for utilizing a person's voting status as a factor in segmenting a population, and in various aspects of selling, underwriting, or rating insurance. In defining voting status, recent voting, voting frequency, or other voting history may optionally take into account the type of election or the turnout for the election, or both. Voting status may be used together with other factors such as age, gender, driving distance to place of employment, or residence location. A risk model for insurance purposes is provided, including segmentation of a population into groups based factors including voting status; and determining risk parameters of each group. A rate structure corresponding to the segmented groups may be calculated, and insurance coverage limits and a premium proposed to a customer based on a group assignment. Persons to receive insurance sales solicitations may be identified based on voting status.

Abstract: A system, method and computer program product for utilizing a person's voting status as a factor in segmenting a population, and in various aspects of selling, underwriting, or rating insurance. Voting status may include voter registration, eligibility for voter registration, an instance of recent voting, voting frequency, or other voting history in elections. In defining voting status, an instance of recent voting, voting frequency, or other voting history may optionally take into account the type of election or the turnout for the election, or both. Voting status may be used together with other factors such as age, gender, driving distance to place of employment, or residence location. A risk model for insurance purposes is provided, including segmentation of a population into groups based factors including voting status; and determining risk parameters of each group.