A system, the system comprising:
- an application processing system including one or more processors coupled to a terminal for communication with an agent, the application processing system coupled to a computer network, the application processing system configured to:
- receive an input from the agent working on behalf of the applicant using an agent terminal, the input including an applicant insurance risk,
- retrieve risk data from a risk information system,
- consult a computer database to determine that the agent working on behalf of the applicant is authorized to submit the applicant insurance risk,
- retrieve, from an insurer data store, data including a plurality of insurers to which applications may be submitted,
- select, from the plurality of insurers, a number of insurers to which the agent working on behalf of the applicant is authorized to submit the insurance application,
- retrieve from a plurality of insurer systems application information and format requirements specific to each insurer,
- select the plurality of insurer systems, the plurality of insurer systems including one or more processors configured to analyze whether to provide insurance, the plurality of insurer systems coupled to the application processing system,
- generate a plurality of insurance applications each formatted and transmitted according to parameters prescribed by a respective insurer system of the plurality of insurer systems, at least two of the insurance applications contain at least one different field and at least one different form,
- send the plurality of insurance applications to the plurality of insurer systems in digital form, and
- receive an indication of application status from the selected insurer systems and providing the application status to the agent;
- and
- a risk information system including one or more processors and comprising a memory for generating risk data, storing data about agents, the risk information system coupled to the application processing system, the risk information system configured to provide data for the plurality of insurance applications specific to each insurance application.