right investmentsLife insuranceThis questionnaire should be followed by a small quiz to judge the awareness level of the user with regard to insurance and investment matters. This questionnaire should not be mandatory. The results of this questionnaire shall enable the web site to classify the user as a Novice aware expert. The appropriate level of detail in insurance related articles could therefore be displayed. (In case the user does not answer the quiz, he should be considered a novice) The User should then be offered links to various calculators. Some of the calculators offered could be:Life Insurance needs calculatorEducation cost calculatorMortgage protection calculatorDisability protection calculatorTax deferral calculatorEstate tax calculatorThe results of these calculators should be saved for future reference. The calculators would require information about the user’s income, net assets, and policies bought. The user would have to provide this information in case he has not filled up these fields in the original questionnaire. All the information gathered by the questionnaire and the calculators would constitute the users profile. The results of the calculation would indicate the users’ unfulfilled insurance needs and this information could be used to make appropriate offers to the users. 7.3 The Account HolderAfter login, the account holder’s view should consist of the following links relevant to the user’s profile:Articles explaining the need for insurance for the age income segment that the user belongs to. These articles could be tailored according to the user’s awareness level.Articles dealing with the special concerns expressed by the user.Links to any old quotes that the user had been provided.Links to the results of the insurance need calculations performed by the user.Life event based article: Given the user’s profile, it is possible to estimate the life events that are li...
