Dynamic automated insurance application architecture

Abstract

An apparatus for generating an application document is provided. The apparatus retrieves a plurality of candidate questions from at least one database, each of the plurality of candidate questions corresponding to one of a plurality of entities, and each of the plurality of entities being different from each other, removes substantively similar candidate questions among the plurality of candidate questions from the different entities; and generates a graphical user interface by aggregating remaining candidate questions among the plurality of candidate questions after the removal of the substantively similar candidate questions as application questions.

1 . An apparatus for generating an application document, the apparatus comprising:
 a memory storing one or more instructions; and   a processor configured to execute the one or more instructions to:
 retrieve a plurality of candidate questions from at least one database, each of the plurality of candidate questions corresponding to one of a plurality of entities, and each of the plurality of entities being different from each other; 
 remove substantively similar candidate questions among the plurality of candidate questions from the different entities; and 
 generate a graphical user interface by aggregating remaining candidate questions among the plurality of candidate questions after the removal of the substantively similar candidate questions as application questions; 
 wherein the generating the graphical user interface comprises:
 configuring a plurality of pages based on the application questions, 
 generating and displaying a first page, among the plurality of pages, 
 
 corresponding to a first subset of questions among the application questions,
 receiving answers to the first subset of questions, 
 dynamically updating the graphical user interface based on the first subset of questions; and 
 generate a completed application document for a first entity selected one of the entities from among the different entities based on the answers to the first subset of questions. 
 
   
     
     
         2 . The apparatus of  claim 1 , wherein the dynamically updating the graphical user interface based on the one or more subsets of questions comprises generating and displaying a second page, among the plurality of pages, corresponding to a second subset of questions among the application questions. 
     
     
         3 . The apparatus of  claim 2 , wherein the second subset of questions is determined based on the answers to the first subset of questions and based on the selected first entity. 
     
     
         4 . The apparatus of  claim 1 , wherein the generating and displaying a first page comprises providing one or more related documents related to the first subset of questions. 
     
     
         5 . The apparatus of  claim 1 , wherein each of the plurality of entities is an insurance carrier. 
     
     
         6 . The apparatus of  claim 1 , wherein the dynamically updating the graphical user interface based on the one or more subsets of questions comprises refraining from presenting additional questions based on a determination that the answers to the first subset of questions does not satisfy a criterion of the entity. 
     
     
         7 . The apparatus of  claim 1 , wherein the dynamically updating the graphical user interface based on the one or more subsets of questions comprises presenting candidate answer lists corresponding to the different entities for selection. 
     
     
         8 . A system for aggregating insurance carrier application data, the system comprising:
 at least one database, the at least one database storing a plurality of insurance interview questions, the plurality of insurance interview questions comprising insurance application questions aggregated from substantively similar insurance application questions of different insurance carriers; and   a processor configured to control display of a plurality of pages comprising subsets of insurance application questions from among the plurality of insurance applications questions, receipt of answers to the subsets of insurance carrier questions via a user interface, and output of a completed insurance application for a selected insurance carrier from among the different insurance carriers.   
     
     
         9 . A system for aggregating insurance carrier application data, the system comprising:
 at least one database; and   a processor configured to control display of at least one user interface configured to aggregate a plurality of substantively similar insurance application questions of different insurance carriers as a set of insurance application questions stored in the at least one database, configure a plurality of pages of an insurance application interview comprising subsets of insurance application questions from among set of insurance application questions and receipt of answers to the subsets of insurance application questions, and generate a completed insurance application for a selected insurance carrier from among the different insurance carriers based on the answers to the subsets of insurance questions.