Method and system for providing insurance policies via a distributed computing network

A system for providing an insurance policy via a distributed computing network, comprising:

• a server computer maintaining a virtual insurance producer Web site available via said distributed computing network, and wherein said virtual producer Web site is operative to:
• receive a request for a bindable premium quotation for an insurance policy;
• receive information relating to the insurability of an individual to be insured by said insurance policy and information relating to the coverage to be provided by said insurance policy in response to said request;
• gather underwriting information from one or more outside information resources based upon the identify of said individual;
• determine whether said insurance policy may be underwritten;
• to calculate a premium for said insurance policy and to provide said premium to a requestor of said premium quotation as a bindable insurance premium quotation;
• receive a request to purchase said insurance policy according to said bindable insurance premium quotation;
• re-intermediate an insurance agent;
• and
• issue said insurance policy.