AU2014259564A1 - Graphical user interface, method and system for generation and delivery of information - Google Patents

Abstract

Abstract Described herein is a graphical user interface, a method, and a corresponding system for use in an insurance context. This context includes, in certain embodiments any one or more of, but not limited to, a computational process for facilitating the determination of a quote for an 5 insurance premium amount, insurance eligibility and cover inclusions and exclusions. The described graphical user interface represents the front-end visible to a person or customer seeking an insurance policy information, including a quote for an insurance premium amount. In one form, the graphical user interface is provided and controlled by the described system and the corresponding method, which performs various computation tasks as described herein 0 and represents the back-end operation for facilitating provision of the insurance contexts. 304 302 306 308 User Device Server Underwriting Pricing Module Module 309 -- Question tree 310 A 312 A 314 Insurance criteria Query data template information with answer identifier Evaluate user case, and /or determine changes in 316 question tree Return eligibility, loading, exclusion (or changes thereof) 318 & any changes to question tree Query premium if a loading is to be applied or changed - 322 - 320 Send eligibility, premium Return premium amount, and cover exclusion information and any new questions Figure 3

Description

1000834572 Graphical user interface, method and system for generation and delivery of information Field The present invention relates to a computer/computational system and a method for providing a user interface for use in a context of the formation and/or provision of insurance products. 5 The invention also relates to a graphical user interface for use in this context. Background Insurance is considered a form of risk management. In essence, in a typical example, a party (the insurance provider) accepts a transfer of the risk of a loss from another party (the insured party) for a defined period of time in return for a regular and/or an upfront financial .0 contribution (the premium). Before the potentially insured party accepts the insurance policy, often the premium is determined by the insurance provider and quoted to the potentially insured party for consideration. Insurance providers can give a quote for an insurance premium for an insurance product via telephone. In this case, the person seeking insurance may be first asked to give answers to a .5 series of questions, for example, relating to the person's health and lifestyle and the level and extent of coverage that they require. Depending on the answers provided by the person to the series of questions asked by the insurer, a corresponding insurance premium as part of the insurance policy information can be determined and quoted to the person over the telephone. Other insurance policy information can additionally or alternatively include whether the 20 person seeking insurance is eligible to be insured, or whether the person is excluded from being covered for of the loss under specific conditions. Some insurance providers have developed computer/computational systems to provide insurance premium quotes via the internet. For example, a website can be provided that includes fields or check boxes to allow the person to enter or select answers to a set of 25 questions. The computer system may then process the answers received and determine a quote of the premium, and any cover exclusions. Summary According to a first aspect of the invention, there is provided a method of providing a graphical user interface for an electronic device with a display, the method comprising: 1 1000834572 causing the display to display an user-input interface enabling a user of the electronic device to enter or select insurance criteria information, wherein the insurance criteria information identifies an insurable event and a payment amount on occurrence of the event; 5 based on entry or selection of the insurance criteria information, causing the display to display an insurance premium amount; and then: causing the display to display another user-input interface enabling the user of the electronic device to enter or select additional insurance criteria information, .0 wherein the additional insurance criteria information identifies at least one of: another insurable event and a payment amount on occurrence of that event; and a change in the payment amount on occurrence of the event; based on entry or selection of additional insurance criteria information, .5 causing the display to display an updated insurance premium amount and/or a change to the insurance premium amount. The method may further comprise causing the display to display information comprising insurance policy information for viewing or downloading, wherein content of the insurance policy information is based on the entered or selected insurance criteria information and 0 additional insurance criteria information, the insurance policy information having a related insurance policy. The displayed information may include distinct areas of selectable and deselectable cover. The method may further comprise: causing the display to display a further user-input interface enabling a user of the 25 electronic device to change the insurance criteria information and/or additional insurance criteria information; and based on change in at least one of the insurance criteria information and additional insurance criteria information: causing the display to display a further updated insurance premium 30 amount and/or a change to the updated insurance premium amount; and causing the display to display information comprising updated insurance policy information for viewing or downloading, wherein content of the 2 1000834572 updated insurance policy information is generated based on the entered or selected insurance criteria information and additional insurance criteria information as changed via the further user-input interface. Causing the display to display an insurance premium amount may be responsive to the entry 5 or selection of insurance criteria information. Causing the display to display an updated insurance premium amount may be responsive to the entry or selection of additional insurance criteria information. The insurance criteria information on which the insurance premium amount is based on may include one or more of: .0 a user lifestyle, habit or occupation; and a user medical condition. The additional insurance criteria information may include an optional additional circumstance under which the payment amount on occurrence of the event is payable and wherein the method further comprises causing the display to display as part of the another user-input .5 interface means enabling selection of the optional additional circumstance. The method may further comprise causing the display to display progress bars associated with respective cover options, the progress bars each being responsive to entry or selection of the additional insurance criteria information. The method may further comprise causing the display to display an interactive graphic which, 20 upon selection, displays or downloads tailored policy information. The tailored policy information may exclude selectively excluded insurance policy information based on the entered or selected insurance criteria information and/or the additional insurance criteria information. According to a second aspect of the invention, there is provided a method of providing a 25 graphical user interface for an electronic device with a display, the method comprising: causing the display to display an user-input interface enabling a user of the electronic device to select or enter one or more financial goals, wherein the 3 1000834572 user goals identify at least one of life insurance, disability insurance, critical illness and income protection insurance; based on, or responsive to, selection or entry of the one or more financial goals, causing the display to display a payment amount based on the one or 5 more financial goals and display an insurance premium amount associated with the payment amount. According to a third aspect of the invention, there is provided a method of providing a graphical user interface for an electronic device with a display, the method comprising: causing the display to display, in relation to an insurable event, a payment .0 amount on occurrence of the event and an insurance premium amount associated with the payment amount; causing the display to display one or more icons representing upward and downward adjustment of either or both of the insurance premium amount and the payment amount; .5 based on, or responsive to, input to the electronic device by a user of the electronic device associated with the one or more icons, displaying a changed payment amount and a changed insurance premium amount. According to a fourth aspect of the invention, there is provided a method of providing a graphical user interface for an electronic device with a display, the method comprising: 20 causing the display to display, in relation to an insurable event, a payment amount on occurrence of the event and an insurance premium amount associated with the payment amount; causing the display to display an interactive graphic comprising a movable icon; 25 based on, or responsive to, input to the electronic device by a user of the electronic device associated with movement of the movable icon, moving the movable icon and changing the payment amount and the insurance premium amount. 4 1000834572 The method may further comprise based on, or responsive to, input to the electronic device by a user of the electronic device associated with acceptance of the payment amount and the insurance premium amount, displaying an e-commerce screen for purchasing an insurance product for the insurable event with the payment amount and the insurance premium amount. 5 According to a fifth aspect of the invention, there is provided, at a server system, a method of facilitating provision of insurance policy information, the method comprising: receiving, by the server system, user-entered or user-selected insurance criteria information, wherein the insurance criteria information identifies at least one or more .0 of: an insurable event and a payment amount on occurrence of the event; a change in the payment amount on occurrence of the event; a user lifestyle, habit or occupation; and a user medical condition; .5 querying, by the server system, a data template including data identifiers associated with underwriting rules, at least one of which corresponds to the user entered or selected insurance criteria information, to locate the at least one of the corresponding data identifiers; determining, by the server system, any change to the insurance premium 20 amount based on the at least one located data identifier; and if a change to the insurance premium amount is determined, sending, by the server system, to a user device an updated insurance premium amount and/or the change to the insurance premium amount. Each of the underwriting rules may be defined by any one or more of an underwriting 25 question, an underwriting response, an underwriting outcome, and an underwriting loading, and an underwriting exclusion. 5 1000834572 The method may further comprise, prior to receiving the user-entered or user-selected insurance criteria information, sending, by the server system, to the user device a set of questions requesting at least the user-entered or user-selected insurance criteria information, the set of questions being selected from the underwriting questions of the underwriting 5 template. The method may further comprise: based on the returned data identifiers, determining whether the set of questions are to be updated; .0 if it is determined that the set of questions are to be updated, sending , by the server system, to the user device an updated set of questions. The method may further comprise determining, by the server system, an underwriting outcome based on the returned data identifiers. .5 The data template may be structured in Extensible Markup Language (XML) fonnat. The XML-formatted data template may use XPath syntax. Querying a data template and/or the determining any change to the insurance premium A0 amount are performed within 30 milliseconds. According to a sixth aspect, there is provided a graphical user interface configured to be displayed on a display of an electronic device, the graphical user interface comprising: an user-input interface enabling a user of the electronic device to enter or 25 select insurance criteria information, wherein the insurance criteria information identifies an insurable event and a payment amount on occurrence of the event; an insurance premium amount interface for displaying an insurance premium amount generated based on entry or selection of the insurance criteria information; another user-input interface enabling the user of the electronic device to enter 30 or select additional insurance criteria information, wherein the additional insurance criteria information identifies at least one of: another insurable event and a payment amount on occurrence of that event; and a change in the payment amount on occurrence of the event; 6 1000834572 another insurance premium amount interface for displaying an updated insurance premium amount and/or a change to the insurance premium amount generated based on entry or selection of additional insurance criteria information. Brief description of the accompanying drawings 5 Embodiments and features of the present invention will be described with reference to the accompanying figures in which: Figures la-1d each illustrate an interface of a graphical user interface of a user device showing an payment amount; Figures 2a-2j each illustrate an interface of the graphical user interface of Figures la-d .0 showing an insurance premium amount; Figure 3 illustrates schematically a timing diagram of information sent and received between a user device and a server; Figure 4a illustrates schematically a partial data template; and Figure 4b illustrates schematically a flow chart corresponding to the partial data template of .5 Figure 4a. Figure 5 illustrates a block diagram of an example of a system controlling and providing user graphical interface of Figures la-1d and 2a-2j. Detailed description Described herein is a graphical user interface, a method, and a corresponding system for use 20 in an insurance context. This context includes, in certain embodiments any one or more of, but not limited to, a computational process for facilitating the determination of a quote for an insurance premium amount, insurance eligibility and cover inclusions and exclusions. The following description focusses on providing a quote for an insurance premium amount, but, unless stated to the contrary, is also applicable to provision of the other insurance policy 25 information. The described graphical user interface represents the front-end visible to a person or customer seeking an insurance policy information, including a quote for an insurance premium amount. 7 1000834572 In one form, the graphical user interface is provided and controlled by the described system and the corresponding method, which performs various computation tasks as described herein and represents the back-end operation for facilitating provision of the insurance contexts. As will become apparent from the following description, the described graphical user 5 interface, system and method provide an interactive interface. In at least certain implementations this may facilitate incremental evaluation of a user's insurance case, such as the resulting insurance premium amount, insurance eligibility and cover inclusions and exclusions. Such incremental evaluation may, for some users, enhance user experience by providing an indication of any change in eligibility and/or in the insurance premium amount, .0 based on each question (or each small set of questions) answered and provided by the user. Each answer (or small sets of answers) provided is processed to incrementally evaluate the user's case, before a next answer (or next set of answers) is processed to incrementally re evaluate the user's case. Advantages for incremental evaluation may include, at least for certain implementations: .5 e Allowing users to appreciate how and how much the answers affect the insurance premium amount. This may facilitate more informed decision making by the user of what optional inclusions to the cover are or are not worthwhile to them. * Reducing user frustration in only receiving a single insurance premium (and/or policy inclusions and exclusions) after answering what in many instances is a long list of .0 questions, which may or may not be acceptable to the user. * Creating an intuitive interface for the user to simultaneously provide information required for an insurance policy, while learning how that information affects the policy and how options or choices affect the policy. General system components 25 As noted, the described graphical user interface is provided and controlled by a corresponding system. In general, as depicted in Figure 5, the corresponding system includes one or more computer processing systems 20a - 20e communicatively coupled via a communications network 1. Communications network 1 may include, for example, any one or more of a wired, wireless, satellite, microwave and fibre optic communications network. 30 The computer processing systems may be, respectively, a computer server 20a, a desktop computer 20b, a laptop computer 20c, a mobile device 20d, or a computer server system 20e. 8 1000834572 In one example, computer server 20a or computer server system 20e are a remote server system managed by an insurance provider providing potential customers with access to insurance policy information (e.g. a quote for premium amount for a particular insurance product), whereas desktop computer 20b, laptop computer 20c and mobile device 20d are 5 user devices of the potential customers accessing the insurance policy information. Each of computer processing systems 20a -20e includes at least one processing unit 22 which may be a single computational processing device (e.g. a microprocessor or other computational device) or a plurality of computational processing devices. Through a communications bus 24, processing unit 22 is in data communication with a system memory .0 26 (e.g. a read only memory storing a BIOS for basic system operations), a volatile memory 28 (e.g. random access memory such as one or more DRAM modules), and a non-transient memory 30 (e.g. one or more hard disk drives, solid state drives, flash memory devices and suchlike). Instructions and data to control operation of processing unit 22 are stored on system, volatile, and/or non-transitory memories 26, 28, and 30. For example, computer .5 codes for rendering the described graphical user interface may be stored in or downloaded into memories 26, 28 and 30 and/or generated by processing unit 22 based on instructions stored in or downloaded into memories 26, 28 and 30. Computer processing system 20 also includes one or more input/output interfaces 32 which allow system 20 to interface with a plurality of input/output devices 34 and 36, or via one or .0 more ports 38. As will be appreciated, a wide variety of input/output devices may be used depending on the device/system/apparatus in question, for example keyboards, pointing devices, touch-screens, touch-screen displays, displays, microphones, speakers, hard drives, solid state drives, flash memory devices and the like. Computer processing system 20 also includes one or more network communications interfaces 40, such as Network Interface 25 Cards, modems and the like, allowing for wired and/or wireless connection to communications network 1. For example, communications network 1 may include the Internet which enables communications between a server and multiple user devices. Computer processing system 20 stores in memory and runs one or more applications allowing operators to locally or remotely operate or manage system 20. Such applications will 30 typically include at least an operating system such as Microsoft Windows, Apple OSX, Unix, Linux, Apple iOS, Google Android, or other operating system. System 20 will also typically have additional applications installed, the nature of which will depend on the device in 9 1000834572 question. For example, user devices in an embodiment each have a web browser or app for providing insurance policy information installed, facilitating communications between the user devices and the server. Communication with communications network 1 (and other devices, apparatuses, servers, 5 apparatuses connected thereto) will typically be by the protocols set out in the layers of the Open Systems Interconnection (OSI) model of computer networking. For example, applications/software programs being executed by computer processing system 20 may communicate using one or more transport protocols, e.g. the Transmission Control Protocol (TCP) or the User Datagram Protocol (UDP). Alternative communications protocols may, of .0 course, be used. While Figure 5 provides a general overview of suitable computer processing systems, it should be appreciated that the server and user devices described herein may be of alternative system types. Further, and as noted, each different system may have different 1/0 interfaces and 1/0 devices, different communications interfaces, and/or different software applications .5 installed. Graphical user interface and corresponding front-end operation The described graphical user interface is configured to be displayed on a display of a user's electronic device configured to communicate with a remote server system ("server" hereinafter for better readability) for providing relevant insurance policy information, .0 including any one or more of, but not limited to, a quote for an insurance premium amount, insurance eligibility and cover exclusions. A user device may be, but is not limited to, one of computing processing systems 20b -20d. The graphical user interface can comprise a plurality of interfaces for collecting information from the user, such as user-selected or user entered answers, and displaying information received from the server, such as the resulting 25 insurance premium, insurance eligibility and cover inclusions and/or exclusions. In one embodiment, the graphical user interface comprises (1) a user-input interface enabling a user of the electronic device to enter or select insurance criteria information, wherein the insurance criteria information identifies an insurable event and a payment amount on occurrence of the event, (2) an insurance premium amount interface for displaying an 30 insurance premium amount generated based on entry or selection of the insurance criteria information, (3) another user-input interface enabling the user of the electronic device to 10 1000834572 enter or select additional insurance criteria information, wherein the additional insurance criteria information identifies at least one of: another insurable event and a payment amount on occurrence of that event, and a change in the payment amount on occurrence of the event, and (4) another insurance premium amount interface for displaying an updated insurance 5 premium amount and/or a change to the insurance premium amount generated based on entry or selection of additional insurance criteria information. The graphical user interface may be provided by the user electronic device having a display in a corresponding method for front-end operation. In one embodiment, the method comprises (a) causing the display to display an user-input interface enabling a user of the .0 electronic device to enter or select insurance criteria information, wherein the insurance criteria information identifies an insurable event and a payment amount on occurrence of the event, (b) based on entry or selection of the insurance criteria information, causing the display to display an insurance premium amount, and then (c) causing the display to display another user-input interface enabling the user of the electronic device to enter or select .5 additional insurance criteria information, wherein the additional insurance criteria information identifies at least one of another insurable event and a payment amount on occurrence of that event, and a change in the payment amount on occurrence of the event, and (d) based on entry or selection of additional insurance criteria information, causing the display to display an updated insurance premium amount and/or a change to the insurance .0 premium amount. In this form, initial evaluation of the user's case (e.g. premium amount, eligibility and cover exclusion) is performed by the server in between steps (a) and (b) to enable the graphical user interface to display an initial premium amount based on insurance criteria information (such as a user lifestyle, habit or occupation, and a user medical condition). Once a user has 25 provided the additional insurance criteria information, incremental evaluation is performed at the server in between steps (c) and (d) to enable the graphical user interface to display an updated or revised premium amount. The process of incremental evaluation is not generally visible on the graphical user interface, although the user may notice a slight delay in retrieving information for displaying or the user may see an indication temporarily displayed 30 on the graphical user interface that evaluation is being undertaken. Further details of incremental evaluation are discussed herein below. 11 1000834572 Figures la-1d and Figures 2a-2j illustrate examples of the graphical user interface 100. Graphical user interface 100 may be in the form of a web interface, accessible and retrieved from the server by a web browser of a user device, or in the form of an app interface, rendered with insurance policy information retrieved from the server by a dedicated 5 application of a user device. Graphical user interface 100 may be dynamic. For example, graphical user interface 100 appears in sequence from interfaces 101a to 101d and 201a to 201j to allow user-entered or user-selected information to be received from the user, and/or allow insurance policy information received from the server to be displayed and communicated to the user. As will .0 be appreciated by a skilled person in the art, the display of graphical user interface 100 is not limited to those illustrated in the accompanying drawings. For example, graphical user interface 100 may include an interface that allows a user to input information about himself or herself, such as name, age and address. As depicted in Figure la, interface 101a provides an interface to enable the user to enter or .5 select insurance criteria information (e.g. a user goal of "pay upon my death") wherein the insurance criteria information identifies an insurable event (e.g. death). In this instance, user input interface 101a displays in a list area 110 a list of goals each represented by an interactive graphic comprising a movable icon (112, 114 and 116). The user may select the appropriate goal(s) by interacting with moveable icons 112, 114 and 116 and dragging them 0 to drop area 120. The interaction may be through point and click device or through a stylus or the user's finger for a touch-enabled device. Based on, or in responsive to the user dragging, the movable icons 112, 114 and 116 may be correspondingly moved across user-input interface 101a towards or near drop area 120. Dragging and dropping a moveable icon to drop area 120 also transitions graphical user interface 100. In an alternative arrangement, the 25 interactive graphics may be toggle switches (not shown) or other graphical indicator of selection and deselection, in place of moveable icons 112, 114 and 116, indicating whether the respective goals are selected for cover by the user. A skilled person would appreciate that the description below in respect of movable icons is also, with little modification, applicable to toggle switches or other graphical indicator. 30 Figure lb illustrates graphical user interface 100 which has transitioned to another interface after a user drags movable icon 114 representing the user goal of "pay upon my death" to drop area 120. Based on, or responsive to the user dragging, graphical user interface 100 has 12 1000834572 transitioned to user-input interface 101b. In interface 101b, movable icon 114 has been moved from available goals area 110 to selected goals area 130. As illustrated in Figure 1b, the selection of user goal of "pay upon my death" also identifies a payment amount (e.g. $300,000) to be paid to the user on occurrence of the insurable event and displayed in a 5 payment amount area 140. Interface 101b allows selection of a further user goal(s), for example "provide an income for when I can't work" icon 112 and "pay upon Illness" or "payment on Accidental Injury" icon 114, with the payment amount updated and displayed in payment amount area 140 if necessary, for example, to indicate an updated or revised payment amount, and/or to indicate whether the payment amount is for a one-off payment or .0 a regular payment. For example, if icon 112 is dragged and dropped into drop area 120, the payment amount may be correspondingly updated to $350,000 and displayed in graphical user interface 100. The following description is made with reference to the user goal of "pay upon my death". In particular, once the user goal of "pay upon my death" is selected, the corresponding questions displayed in graphical user interface 100 may correspond to life .5 cover upon death by diseases and natural causes, death by accidents or death by high-risk activities such as adventure sports. If icon 112 is alternatively or additionally dropped into drop area 120, so that the goal of "provide an income for when I can't work" is selected, the corresponding questions displayed in graphical user interface 100 may correspond to income protection cover upon illness, accidental injury or sports injury. Further, each question in .0 graphical user interface 100 may correspond to more than one user goal. For example, if both of the above user goals are selected (for example, by dragging and dropping icons 112 and 116 to drop area 120), the question "Do you ride a motorcycle to work?" may affect the insurance premium amount for both life and income protection covers. Corresponding steps to set goals and tailor the policy can be implemented for each of the 25 other goals selected, using the interface 101b or otherwise. Figure lc illustrates graphical user interface 100 which has transitioned to interface 101c, after the user has finished selecting user goals. Interface 101c displays user-interactive icons 150a, 150b, 152a and 152b allowing upward and downward adjustment of the desired payment amount displayed in payment amount area 140. Icons 150a and 150b are in the form 30 of interactive buttons for, respectively, increasing and decreasing the desired payment amount for covering exemplified purposes of mortgage repayment and debt. Icon 150c is in the form of a slider bar, which in some embodiments the user may drag to increase or 13 1000834572 decrease the amount required to pay off debts, in addition to or as a replacement of the icons 150a, 150b. Icons 152a and 152b are also in the form of interactive buttons for, respectively, increasing and decreasing the desired payment amount for covering exemplified purposes of providing for a child expected to incur a user-specified amount that can be entered in field 5 152c. These icons may, in some embodiments, also be supplemented or replaced by a slider bar, which may be in the same form as the icon 150c. It will be appreciated that the prompts to the user of referring to the mortgage or a child's education may be omitted, differ or supplemented between implementations, depending on what issues are required to be suggested for that implementation. .0 Figure ld illustrates graphical user interface 100 which has transitioned to interface 101d, after the user has adjusted the desired payment amount. Interface 101d displays an updated payment amount in payment amount area 140 based on, or responsive to, any upward or downward adjustments of the desired payment amount. As shown in Figure ld, interface indicates a user's wishes to provide $5,000 a year for a child for two years. The additional .5 $10,000 payment amount is added to the original $300,000 payment amount and an updated payment amount of $310,000 is displayed in payment amount area 140. Figure 2a illustrates graphical user interface 100 which has transitioned to interface 201a, after the user has finished adjusting the desired payment amount (e.g. by selecting an "OK" interactive button (not shown) in interface 101d). Interface l0le displays an insurance .0 premium amount of $25 per month in premium amount area 260. As will be described in more detail below, the insurance premium amount can be determined by the server based on entry or selection of insurance criteria information. Interface 201a further displays user-interactive icons 250a and 250b and 250c allowing upward and downward adjustment of the desired payment amount displayed in payment 25 amount area 240, and any correspondingly changed insurance premium amount in premium amount area 260. For example, Figure 2a illustrates that the payment amount is increased to $440,000 by way of interactive icons 250a and 250b, with a corresponding increased premium amount of $20 per month displayed in premium amount area 260. In other embodiments the icon 250c in the form of a slider may be omitted or the icons 250a and 250b 30 omitted. 14 1000834572 Figure 2a also illustrates that interface 201a partially displays tailored policy information 262, being information pertinent to the insurance policy being tailored. A tailored insurance policy may include or exclude certain user-selectable covers, hence making some information relevant but others irrelevant to the user. Tailored policy information 262 may include any 5 one or more of a PDS, a summary of the PDS, a summary of the selected covers or a summary of the selected benefits. For example, in Figure 2a, the tailored policy information being displayed is a summary of the PDS. Interface 201a displays an interactive "View your PDS" icon which, when selected, causes graphical user interface 100 to transition to interface 201aa, such as that shown in Figure 2aa, showing a more complete view of the PDS .0 summary. Alternatively, graphical user interface 100 may be caused to transition to Figure 2aa on selection of any part of PDS summary 262. PDS summary 262 may be a summary of the PDS for the complete insurance policy, or just a summary of part of the insurance policy (e.g. injury cover) or a summary of the part being considered (e.g. life cover). On interface 201aa, the "View your PDS" icon is changed to a "Close" icon which, when selected, causes .5 graphical user interface 100 to transition back to interface 201a. In some embodiments, a full version, rather than the summary version, of the PDS is displayed. In one embodiment, default optional coverage selections or mandatory components of the cover are displayed. For example, in interface 201a one of three options, namely Accident Cover (see below), is selected. Depending on the implementation it may or may not be .0 possible to deselect Accident Cover. Figure 2b illustrates graphical user interface 100 which has transitioned to interface 201b, after the user has finished adjusting the desired payment amount and/or acceptable insurance premium amount (e.g. by selecting an "OK" interactive button (not shown) in interface 201a). Interface 201b provides an interface to enable the user to enter or select/deselect additional 25 insurance criteria information (e.g. "accidental death cover") wherein the insurance criteria information identifies optional coverage for certain insurable events (e.g. death in event of accidents). In this instance, interface 201b displays in a cover option area 210 a list of cover options each represented by an interactive graphic comprising a movable icon (212, 214 and 216). In the illustrated embodiment each graphic also includes a marginal cost of the optional 30 coverage. In particular, in the illustrated embodiment the indicates that Accident Cover adds $5.00 per month to the premium and Disease Cover and High Risk Activity Cover add from $5.00 and from $3.50 per month to the premium respectively. 15 1000834572 The user may select the appropriate cover option by interacting with moveable icons 212, 214 and 216 and dragging them to drop area 220. Based on, or in responsive to the user dragging, the movable icons 212, 214 and 216 may be correspondingly moved across interface 201b towards or near drop area 220. For example, in Figure 2b, icon 216 representing the option of 5 covering accidental death has been dragged into drop area 220 (not shown) and added to the user's insurance policy being tailored. The computer system, in response to dragging and dropping moveable icon 216 to drop area 220 also updates the premium amount by adding $5.00 per month, in this example to give a total of $25 per month displayed in premium amount area 260. In an alternative arrangement, the interactive graphics may be toggle .0 switches (not shown) or other graphical indicator of selection and deselection, in place of moveable icons 212, 214 and 216, indicating whether the respective goals are selected for cover by the user. A skilled person would appreciate that the description below in respect of movable icons is also, with little modification, applicable to toggle switches or other graphical indicator. .5 Figure 2c illustrates graphical user interface 100 which has transitioned to interface 201c, after the user has selected and added death by disease as another cover option in the insurance policy being tailored. Based on, or responsive to, the selection of this over option, interface 201c displays one or more questions relating to medical history or other relevant factors such as lifestyle for the user to answer before determining any changes to the default or .0 intermediate premium amount of $5 per month. Based on the user's answer(s), in this instance, it is determined by the server that an additional premium of $76.5 per month is required to cover the user in the event of death as a result of suffering from skin cancer. Based on this determination, graphical user interface 100 transitions to interface 201d, as illustrated in Figure 2d, to provide an interface to enable the user to select whether to exclude 25 death by skin cancer from being covered. Based on selection of the exclusion or inclusion, graphical user interface 100 transitions to interface 201e, as illustrated in Figure 2e, which provides movable icons, such as a switch 254, for further selection to include or exclude covers for death by other diseases. In this instance, both death by skin cancer and some other forms of disease are selected to be covered, resulting in an increase of premium amount by 30 $96.5 to $121.5 per month displayed in premium amount area 260. In one embodiment the graphical user interface presents coverage options in a hierarchal manner to the user. The highest level in the hierarchy presents broad coverage at a default 16 1000834572 cost. Responsive to answers to predetermined questions relating to the coverage, a lower level in the hierarchy is displayed with an associated cost, in addition to or as a replacement to the default cost. The interface allows the user to select or deselect the coverage at the lower level to impact on the total premium. In the example above selection of disease coverage 5 across all available diseases is provided as a default position at a default amount of $5.00 per month. This default option is available if certain conditions are met, with the questions presented to the user designed to determine if the conditions have been met. If the conditions are not met, then the user is presented with the option to exclude a portion of the disease coverage or to pay a displayed increased premium to retain that portion of the disease .0 coverage. In some embodiments, for some answers coverage of an option at any level in the hierarchy, including the highest level, may be excluded entirely. Where such exclusions apply, the total premium may optionally be reduced by a predetermined amount. Figure 2f illustrates graphical user interface 100 which has transitioned to interface 201f. In interface 201f, the user may select and add high risk activities, which may include adventure, .5 sports cover by dragging movable icon 212 representing this cover to drop area 220 (or in the alternative arrangement using toggle switches, by toggling the relevant switch). Based on, or responsive to the selection of this over option, graphical user interface 100 transitions to interface 201g, which displays a question relating to high risk activities for the user to answer before determining any changes to the default or intermediate premium amount of $3.50 per .0 month. Based on the user's answer, in this instance, it is determined by the server that an additional premium of $45 per month is required to cover the user in the event of death during a range of the preselected activities including scuba diving, mountain biking, motor bike racing, car racing, aviation and rock climbing. The user may also deselect any selected cover by dragging the corresponding movable icon back to cover option area 210. 25 In some arrangements, as illustrated in Figure 2g, interface 201g includes multiple progress bars 266a, 266b and 266c, each associated with a corresponding cover option. The progress bars each indicate the progress towards satisfying the underwriting criteria for being accepted for the corresponding cover. In other words, the progress bars provide an indication to the user as to how far away or how many more questions the user is expected to answer to be 30 able to considered accepted for cover. Each time a user enters or selects insurance criteria information, such as answering a question, one or more progress bars may be changed (e.g. each lengthened to indicate that progress has been made) responsive to the entered or selected 17 1000834572 information. Multiple progress bars may be responsive to a single answer to a particular question since the answer may be relevant to more than one type of cover. For example, the answer to the question "Do you ride a motorcycle to work?" may be relevant to both life and income protection covers arising from accidents. Different progress bars may be displayed 5 with different lengths, indicating that a cover option with a shorter progress bar requires more questions to be answered than another with a longer progress bar. In some instances, a progress bar may change colour and/or extend to its full length upon satisfying all the underwriting criteria (i.e. upon acceptance) for the corresponding cover option. As shown in Figure 2h, graphical user interface 100 transitions to interface 201h, which .0 displays movable icons in the form of switches 270, 272, 274, 276, 278 and 280. The user may interact with the switches to include or exclude covers for death by the above activities. In this instance, the user chooses to exclude the aviation cover by sliding switch 278, shown in Figure 2i, to deselect this preselected cover. Based on, or responsive to, this deselection, the premium amount is reduced by $20 to a total of $126.5 per month displayed in the .5 premium amount area 260. Figure 2j illustrates graphical user interface 100 which has transitioned to interface 201j, after the user has finished excluding any non-desired covers (e.g. by selecting an "OK" interactive button (not shown) in interface 201i). Interface 201j provides an interface to display a summary of the insurance policy being tailored, including the premium amount displayed in .0 premium amount area and covers. At each interface, graphical user interface 100 may provide a link or an interactive button for viewing or downloading tailored policy information. As mentioned above, tailored policy information may include any one of more of a PDS, a summary of the PDS, a summary of the selected cover, or a summary of the selected benefits The tailored policy information is based 25 on the user-entered or selected insurance criteria information and/or additional insurance criteria information as changed (e.g. cover deselected having been selected). In other words, the tailored policy informationis dynamic and can change as the user enters, selects or changes his/her answers to the questions displayed in graphical user interface 100. Furthermore, the tailored policy informationmay selectively exclude insurance policy 30 information. Selectively excluded information may include information that is irrelevant or inapplicable to the selected cover(s). Selectively excluded information may alternatively or additionally include information that becomes irrelevant or inapplicable in view of the user 18 1000834572 entered or selected insurance criteria information and/or additional insurance criteria information. In some arrangements, a full version, rather than the summary version, of the PDS is displayed. In yet another arrangement, a full version or a summary version of the PDS may be displayed depending on the progress towards satisfying the underwriting criteria. For 5 example, interface 201a to 201i, each of which requires further user input, may be caused to display of the summary of the PDS, whereas interface 201j, which requires no further answers from the user, may be caused to display a full version of the PDS. At noted above, graphical user interface 100 may transition to another interface after a user input in the form of selecting an interactive "OK" button. Alternatively, graphical user .0 interface 100 may transition to another interface responsive to user-entered or user-selected answer, without having to receive further user input. Although not shown, graphical user interface 100 may provide a link or an interactive button for the user to accept payment amount and the insurance premium amount. On acceptance, graphical user interface 100 may display an e-commerce screen for purchasing an insurance .5 product for the insurable event with the user-accepted payment amount and the insurance premium amount. In one arrangement, graphical user interface 100 may, before or after the user is able to accept the payment amount and the insurance premium amount, provide a link or an interactive button for viewing or downloading the full version of the PDS. .0 Server and corresponding back-end operation The front-end operation of the graphical user interface is enabled by back-end operation at a remote server system (hereinafter "server" for better readability). The server may be, but is not limited to, one of computing processing systems 20a to 20e. The server provides a corresponding method of facilitating provision of insurance policy information, including any 25 one or more of, but not limited to, a quote for an insurance premium amount, insurance eligibility and cover exclusions. Based on answers received from the user device, the server evaluates incrementally the user case to provide, for example, an updated premium payment amount and/or any change to the premium payment amount. As illustrated in Figure 3, in one arrangement, a server 302 is communicatively coupled to 30 user device 304. Server 302 may include, or be communicatively coupled to, an underwriting 19 1000834572 module 306 and a pricing module 308. Underwriting module 306 includes a data template associated with underwriting rules for assessing a user case for insurance purposes. Pricing module 308 stores, and provides on request by the server, information which correlates insurance premium amounts, loadings and payment amounts. 5 In its general form, the method for the back-end operation at server 302 comprises (a) receiving, by the server, user-entered or user-selected insurance criteria information, wherein the insurance criteria information identifies at least one or more of: an insurable event and a payment amount on occurrence of the event, a change in the payment amount on occurrence of the event, a user lifestyle, habit or occupation, and a user medical condition, (b) querying, .0 by the server, a data template including data identifiers associated with underwriting rules, at least one of which corresponds to the user-entered or selected insurance criteria information, to locate the at least one of the corresponding data identifiers, (c) determining, by the server, any change to the insurance premium amount based on the at least one located data identifier, and (d) if a change to the insurance premium amount is determined, sending, by the server .5 system, to a user device an updated insurance premium amount and/or the change to the insurance premium amount. In one arrangement, referring to Figure 3, each round of incremental evaluation includes: * In step 309, server 302 sends user device 304 a list of relevant questions or a question tree for display on graphical user interface 100. The questions may be displayed 0 sequentially. * In step 310, user device 302 receives from the user via graphical user interface 100, in response to one or more of the questions, insurance criteria information which is then sent by user device 302 to be received by server 302. * In step 312, server 403 queries the data template stored in underwriting module 306, 25 based on the received insurance criteria information. * In step 314, underwriting module 306 evaluates the user case, including user eligibility (or any change thereof), user loading (or any change thereof) and cover exclusions (or any change thereof) and determines any changes to question tree. * In step 316, underwriting module 306 returns the evaluation result above to the server 30 302. * In step 318, if a loading is to be applied or changed, server 302 makes a query to pricing module 308 to request the premium amount. 20 1000834572 * In step 320, pricing module 308 returns the premium amount, based on the query in step 318, if executed, to server 302. * In step 322, server 302 sends any updated information on user eligibility, premium amount and cover exclusions to user device 304 for display on graphical user 5 interface 100. Server 302 may also sends any new questions for user device 304 to rebuild the question tree for display on graphical user interface 100. Figure 4a shows partially, or a snippet of, a data template 400. In this example, data template 400 is structured in Extensible Markup Language (XML) format and using XPath syntax. In other examples, the data template may be structured in other query languages, such as SQL. .0 Data template 400 may be considered a textual equivalent of an underwriting rule book or an underwriting flow chart. Figure 4b illustrates a flow chart of underwriting rules corresponding to data template 400. During a user case evaluation, depending on the answer given by the user to a question, either an outcome selected from a number of possible results is returned, or a next question is asked, until an outcome is reached with the result returned. .5 Each underwriting rule is defined by one or more of an underwriting question(s), an underwriting response(s), an underwriting result(s), an underwriting loading(s), and an underwriting exclusion(s). Rather than using full texts, data template 400 uses data identifiers to describe questions, responses, results, loadings and exclusions. As exemplified in Figure 4a, data template 400 0 includes data identifiers tagged by the words such as "question ref" 402, "outcome id" 404 and "result" 406, which, respectively, represent an underwriting question, an underwriting response and an underwriting result associated with particular underwriting rules, based on which a user case can be evaluated. The use of data identifiers rather than full texts significantly reduce the required size and memory footprint of the systems involved, and 25 allows relatively quick retrieval of appropriate data identifiers to evaluate a user case. It is anticipated that each incremental evaluation (from the time a query made by the server to a result is returned to the server) requires an average of 20-30 milliseconds. With latency of communications network 1 taken into account, it is anticipated that a user device receives updated insurance policy information (e.g. an updated insurance premium amount), from the 30 time an answer to a question or a piece of information is provided, within an average of 500 milliseconds. 21 1000834572 Referring to Figures 4a and 4b, an example of a set of underwriting rules with corresponding definitions (marked by asterisks below) and corresponding data identifiers (marked by quotes below) are set out as follows. In this example, the underwriting rules relate to those where a user is seeking cover for death from all diseases including lung cancer. 5 Example: Question 1 (question ref = "mi") is *Are you are smoker?* having two possible responses: * *No* (outcome id = "3") with a corresponding evaluation result of *Acceptance for cover* (result = "accept"). * *Yes* (outcome id = "2") with a corresponding evaluation result of *Further .0 question(s) to be asked as follows* (results = "incomplete"). Question 2 (question ref = "mj") is *Have you smoked in the last 12 months or ever smoked more 10 times a day?* having three possible responses: * *No* (outcome id = "2") with a corresponding evaluation result of *Acceptance with an increased risk corresponding to a loading factor of Y* (result = "refer"). .5 e *Have smoked in the last 12 months* (outcome id = "3") with a corresponding evaluation result of *Further question(s) to be asked as follows* (result "incomplete"). * *Have smoked more than 10 times a day* (outcome id = "4") with a corresponding evaluation result of *Further question(s) to be asked as follows* (result 20 "incomplete"). Question 3 (question ref = "mk") is *Lung cancer is excluded from cover*, with one possible response if user case is to be accepted: * Outcome id "lid": *OK* with a corresponding evaluation result of "accept" indicating *Lung cancer is excluded from cover*. 25 Using this example, server 302 may send a list of questions corresponding to question identifiers with reference "mj", "mi" and "mk", selected from data template 400, to user device 304 to generate a question tree for display sequentially on graphical user interface 22 1000834572 100. The user may use graphical user interface 100 on user device 304 to answer "Yes" to Question 1, "Have once smoked more than 10 times a day" to Question 2 and "OK" to Question 3. Because each question and answer has a corresponding data identifier from the data template, an answer identifier may be generated from the relevant data identifiers in a 5 form as follows: <answer id = "mi?2?mj?4?mk?11 d"> In this example, the answer identifier is generated by concatenating corresponding sets of a question identifier and a response identifier separated by a separator "?". Other separators, such as a comma, a period or a dash, may be used. The above answer identifier indicates that: .0 (1) the question with reference "mi" is answered by the user in a response with outcome id "2"; (2) the question with reference "mj" is answered by the user in a response with outcome id ''4''; (3) the question with reference "mk" is answered by the user in a response with outcome id .5 "11d"; The server may either generate the answer identifier based on the individual answers received from the user device, or receive the answer identifier generated by the user device. Once generated or received by the server, the answer identifier may form an XPath query that can be used to locate, or further query, relevant insurance policy information (including user 20 eligibility, any changes in premium amount and exclusion cover) in data template 400. For example, the server may query data template 400 in underwriting module 306 using "mi?2?mj?4?mk?11 d" and locate or look up the corresponding result identifier "accept" with a cover exclusion being lung cancer treatment expenses. In another example, a user may use graphical user interface 100 on the user device to answer 25 "Yes" to Question 1 and "No" to question 2. A corresponding answer identifier may be generated as follows: <answer id = "mi?2?mj?2"> 23 1000834572 In this example, the server may query data template 400 in underwriting module 306 using "mi?2?mj?2" and locate or look up the corresponding result identifier "accept" with a loading factor of Y. Further query may then be made to pricing module 308 with a loading factor Y to request the corresponding premium amount. 5 In some arrangements, while the answer identifier is being progressively generated or received by the server as the user answers each question (or each small set of related questions), the server queries data template 400 with the intermediate answer identifier for the need to retrieve additional questions or modify the question tree for sending to user device 306 for display on graphical user interface 100. If a need for additional or .0 modification of questions arises, underwriting module 306 forwards an updated set of questions to server 302, which in turn sends to user device 306 for display on graphical user interface 100. In some arrangements, while the answer identifier is being progressively generated or received by the server as the user answers each question (or each small set of related .5 questions), the server queries data template 400 with the intermediate answer identifier for an intermediate outcome of the user case evaluation by locating the relevant result data identifier. For example, the intermediate outcome may reflect a change in user eligibility from "accept" to "decline" based on the latest answer received. In this case, the server may send updated eligibility to user device 304, causing graphical user interface 100 to transition .0 to an interface displaying a change of eligibility. As another example, the intermediate outcome may reflect a change in loading based on the last answer received. In this case, the server may query pricing module 308 for changes in premium amount based on the new loading. Subsequently, the server may send an updated premium amount to user device 304, causing graphical user interface 100 to transition to an interface displaying the change in 25 premium amount or a revised premium amount. As yet another example, the intermediate outcome may reflect a change in cover exclusions based on the last answer received. In this case, the server may send updated cover exclusions to user device 304. The structure of data template 400 may allow quicker queries made to data template 400, resulting even quicker evaluation. In one arrangement, an underwriting rule may exist in 30 multiple locations in data template 400. Such an underwriting rule need only be evaluated once, and the result of that rule can be applied in relevant multiple sections throughout data template 400. For example, a gender question may be asked at one point, and the 24 1000834572 corresponding gender rule could result in a "decline" at one section of data template 400 but an "accept" with loadings in a completely different section and context. Although the invention has been described with reference to specific examples, it will be appreciated by those skilled in the art that the invention may be embodied in many other 5 forms. 25

Claims (24)

1. A method of providing a graphical user interface for an electronic device with a display, the method comprising: causing the display to display an user-input interface enabling a user of the 5 electronic device to enter or select insurance criteria information, wherein the insurance criteria information identifies an insurable event and a payment amount on occurrence of the event; based on entry or selection of the insurance criteria information, causing the display to display an insurance premium amount; .0 and then: causing the display to display another user-input interface enabling the user of the electronic device to enter or select additional insurance criteria information, wherein the additional insurance criteria information identifies at least one of: another insurable event and a payment amount on occurrence of that .5 event; and a change in the payment amount on occurrence of the event; based on entry or selection of additional insurance criteria information, causing the display to display an updated insurance premium amount and/or a change to the insurance premium amount. 20

2. The method of claim 1 further comprising: causing the display to display information comprising insurance policy information for viewing or downloading, wherein content of the insurance policy information is based on the entered or selected insurance criteria information and additional insurance criteria information, the insurance policy information having a 25 related insurance policy.

3. The method of claim 2, wherein the displayed information includes distinct areas of selectable and deselectable cover. 26 1000834572

4. The method of claim 3, further comprising causing the display to display a further user-input interface enabling a user of the electronic device to change the insurance criteria information and/or additional insurance criteria information; and 5 based on change in at least one of the insurance criteria information and additional insurance criteria information: causing the display to display a further updated insurance premium amount and/or a change to the updated insurance premium amount; and causing the display to display information comprising updated .0 insurance policy information for viewing or downloading, wherein content of the updated insurance policy information is generated based on the entered or selected insurance criteria information and additional insurance criteria information as changed via the further user-input interface.

5. The method of any one of claim 1-4 wherein causing the display to display an .5 insurance premium amount is responsive to the entry or selection of insurance criteria information.

6. The method of any one of claim 1-5 wherein causing the display to display an updated insurance premium amount is responsive to the entry or selection of additional 20 insurance criteria information.

7. The method of any one of claims 1-6 wherein the insurance criteria information on which the insurance premium amount is based on further includes one or more of: a user lifestyle, habit or occupation; and 25 a user medical condition.

8. The method of any one of claims 1-7 wherein the additional insurance criteria information includes an optional additional circumstance under which the payment amount on occurrence of the event is payable and wherein the method further 27 1000834572 comprises causing the display to display as part of the another user-input interface means enabling selection of the optional additional circumstance.

9. The method of any one of claims 1-8 further comprising causing the display to display 5 progress bars associated with respective cover options, the progress bars each being responsive to entry or selection of the additional insurance criteria information.

10. The method of any one of claims 1-9 further comprising causing the display to display an interactive graphic which, upon selection, displays or downloads tailored policy .0 information.

11. The method of claim 10 wherein the tailored policy information excludes selectively excluded insurance policy information based on the entered or selected insurance criteria information and/or the additional insurance criteria information. .5

12. A method of providing a graphical user interface for an electronic device with a display, the method comprising: causing the display to display an user-input interface enabling a user of the electronic device to select or enter one or more financial goals, wherein the .0 user goals identify at least one of life insurance, disability insurance, critical illness and income protection insurance; based on, or responsive to, selection or entry of the one or more financial goals, causing the display to display a payment amount based on the one or more financial goals and display an insurance premium amount associated with the 25 payment amount.

13. A method of providing a graphical user interface for an electronic device with a display, the method comprising: causing the display to display, in relation to an insurable event, a payment amount on occurrence of the event and an insurance premium amount associated with 30 the payment amount; 28 1000834572 causing the display to display one or more icons representing upward and downward adjustment of either or both of the insurance premium amount and the payment amount; based on, or responsive to, input to the electronic device by a user of the 5 electronic device associated with the one or more icons, displaying a changed payment amount and a changed insurance premium amount.

14. A method of providing a graphical user interface for an electronic device with a display, the method comprising: causing the display to display, in relation to an insurable event, a payment .0 amount on occurrence of the event and an insurance premium amount associated with the payment amount; causing the display to display an interactive graphic comprising a movable icon; based on, or responsive to, input to the electronic device by a user of the .5 electronic device associated with movement of the movable icon, moving the movable icon and changing the payment amount and the insurance premium amount.

15. The method of either claim 13 or claim 14, further comprising, based on, or responsive to, input to the electronic device by a user of the electronic device associated with acceptance of the payment amount and the insurance premium 20 amount, displaying an e-commerce screen for purchasing an insurance product for the insurable event with the payment amount and the insurance premium amount.

16. At a server system, a method of facilitating provision of insurance policy information, the method comprising: 25 receiving, by the server system, user-entered or user-selected insurance criteria information, wherein the insurance criteria information identifies at least one or more of: an insurable event and a payment amount on occurrence of the event; 29 1000834572 a change in the payment amount on occurrence of the event; a user lifestyle, habit or occupation; and a user medical condition; querying, by the server system, a data template including data identifiers 5 associated with underwriting rules, at least one of which corresponds to the user entered or selected insurance criteria information, to locate the at least one of the corresponding data identifiers; determining, by the server system, any change to the insurance premium amount based on the at least one located data identifier; and .0 if a change to the insurance premium amount is determined, sending, by the server system, to a user device an updated insurance premium amount and/or the change to the insurance premium amount.

17. A method of claim 16 wherein each of the underwriting rules is defined by any one or more of an underwriting question, an underwriting response, an underwriting .5 outcome, and an underwriting loading, and an underwriting exclusion.

18. A method of claim 17 further comprising, prior to receiving the user-entered or user selected insurance criteria information, sending, by the server system, to the user device a set of questions requesting at least the user-entered or user-selected insurance 20 criteria information, the set of questions being selected from the underwriting questions of the underwriting template.

19. A method of claim 18 further comprising: based on the returned data identifiers, determining whether the set of questions 25 are to be updated; if it is determined that the set of questions are to be updated, sending , by the server system, to the user device an updated set of questions.

20. A method of any one of claims 16-19 further comprising determining, by the server 30 system, an underwriting outcome based on the returned data identifiers. 30 1000834572

21. A method of claim 16 or 20 wherein the data template is structured in Extensible Markup Language (XML) format. 5

22. A method of claim 21 wherein the XML-formatted data template uses XPath syntax.

23. A method of any one of claims 13-22 wherein the querying a data template and/or the determining any change to the insurance premium amount are performed within 30 .0 milliseconds.

24. A graphical user interface configured to be displayed on a display of an electronic device, the graphical user interface comprising: .5 an user-input interface enabling a user of the electronic device to enter or select insurance criteria information, wherein the insurance criteria information identifies an insurable event and a payment amount on occurrence of the event; an insurance premium amount interface for displaying an insurance premium .0 amount generated based on entry or selection of the insurance criteria information; another user-input interface enabling the user of the electronic device to enter or select additional insurance criteria information, wherein the additional insurance criteria information identifies at least one of: 25 another insurable event and a payment amount on occurrence of that event; and a change in the payment amount on occurrence of the event; 30 another insurance premium amount interface for displaying an updated insurance premium amount and/or a change to the insurance premium amount generated based on entry or selection of additional insurance criteria information. 31