System and Method for Pre-Qualifying a Consumer for Life and Health Insurance Products or Services, Benefits Products or Services based on Eligibility and Referring a Qualified Customer to a Licensed Insurance Agent, Producer or Broker to Facilitate the Enrollment Process

A non-transitory computer-readable medium having stored thereon a plurality of sequences of instructions, said instructions including sequences of instructions which, when executed by at least one processor, cause said processor to receive audio from a user interface in communication with a virtual assistant, and the virtual assistant receives the audio from the user interface, the audio is interpreted with artificial intelligence at a processor to generate data and audio responses, the audio responses being forwarded to the user interface;

• the virtual assistant communicating with a benefits providers interface,
• wherein the virtual assistant prompts a user for information and a description of one or more benefits products which are of interest to the user for purchase, the processor identifies relevant benefits products based on eligibility determined from data collected from the user by the virtual assistant, presents the relevant benefits products to the user with the virtual assistant, identifies a producer offering the identified benefits products presented to the user by the vertical assistant;
• and determines at the virtual assistant if the user is transferred to the identified producer.