Protection coverage selection and election processes and systems

A protection coverage selection and election system comprising:

• one or more computer processors for executing computer program instructions;
• and
• a non-transitory computer-readable storage medium storing instructions executable by the one or more computer processor to perform steps comprising:
• receiving, at a platform processor, from a first user processor at a direct point of sale location, user information associated with a second user;
• sending, by the platform processor, the user information to provider processors;
• receiving, at the platform processor from a subset of the provider processors, coverage information for available coverage selections chosen based in part on the user information, wherein each available coverage selection is received from a provider processor of the subset of provider processors and is associated with an available licensed coverage provider, and wherein each available licensed coverage provider is licensed to provide the associated available coverage selection in a jurisdiction of the direct point of sale location;
• sending, from the platform processor for display on a user interface of the first user processor, the coverage information for the available coverage selections, wherein one or more terms associated with the coverage information are not displayed on the user interface of the first user processor;
• receiving, from the first user processor, selection of an available licensed coverage provider associated with an available coverage selection and a provider processor from the subset of provider processors;
• processing, by the platform processor, a bindable quote associated with the available coverage selection between the second user and the selected licensed coverage provider;
• and
• opening, by the platform processor, a direct communication channel between a second user processor associated with the second user and the provider processor associated with the selected licensed coverage provider.

A non-transitory machine readable storage medium containing instructions, which, when executed by a computing device cause the computing device to execute steps comprising:

• receiving at a platform processor, from a first user processor at a direct point of sale location, user information associated with a second user;
• sending, by the platform processor, the user information to provider processors;
• receiving, at the platform processor from a subset of the provider processors, coverage information for available coverage selections chosen based in part on the user information, wherein each available coverage selection is received from a provider processor of the subset of provider processors and is associated with an available licensed coverage provider, and wherein each available licensed coverage provider is licensed to provide the associated available coverage selection in a jurisdiction of the direct point of sale location;
• sending, from the platform processor for display on a user interface of the first user processor, the coverage information for the available coverage selections, wherein one or more terms associated with the coverage information are not displayed on the user interface of the first user processor;
• receiving, from the first user processor, selection of an available licensed coverage provider associated with an available coverage selection and a provider processor from the subset of provider processors;
• processing, by the platform processor, a bindable quote associated with the available coverage selection between the second user and the selected licensed coverage provider;
• and
• opening, by the platform processor, a direct communication channel between a second user processor associated with the second user and the provider processor associated with the selected licensed coverage provider.

A protection coverage selection and election system comprising:

• comprising:
• a first user processor configured to provide, to a platform processor, user information associated with a second user, the first user processor at a direct point of sale location;
• a second user processor associated with the second user;
• a plurality of provider processors configured to provide available coverage selections chosen based in part on the user information, wherein each available coverage selection is associated with an available licensed coverage provider that is licensed to provide the available coverage selection in a jurisdiction of the direct point of sale location;
• and
• the platform processor comprising:
• a data communications module configured to send user information received from the first user processor to the plurality of provider processors and to receive, from a subset of the plurality of provider processors, coverage information for available coverage selections;
• a website module configured to provide for display on a user interface of a first user processor, the coverage information for the available coverage selections, wherein one or more terms associated with the coverage information are not displayed on the user interface of the first user processor;
• and
• a coverage communications module configured to 1) process a bindable quote between the second user and a selected licensed coverage provider, the bindable quote based on a coverage selection associated with the selected licensed coverage provider, and 2) open a direct communication channel between the second user processor and a provider processor associated with the selected licensed coverage provider.