System and method for creating and administering insurance virtual affinity groups

1. A computer implemented insurance processing method, comprising:

receiving, at an insurance processing platform, information defining at least a first characteristic of a virtual affinity group to be created, the at least first characteristic selected from a known insurance underwriting aggregated group;

creating the virtual affinity group based on the at least first characteristic;

receiving, at said insurance processing platform, information defining at least a first feature of said virtual affinity group and at least a first insurance related benefit to be offered to said virtual affinity group;

receiving, at the insurance processing platform, third-party data relating to individuals;

automatically identifying based on the third-party data relating to the individuals at least a first individual matching said at least first characteristic of the virtual affinity group; and

updating a virtual affinity group membership data file to include information identifying said at least first individual as being eligible for membership in the virtual affinity group.

2. The computer implemented insurance processing method of claim 1 , further comprising:

receiving an insurance-related inquiry from said at least first individual; and

adjusting an analysis associated with processing of said insurance-related inquiry based on confirmation that said at least first individual is eligible for membership in the virtual affinity group.

3. The computer-implemented insurance processing method of claim 2 , wherein said analysis is at least one of an insurance underwriting analysis and an insurance pricing analysis.

4. The computer implemented insurance processing method of claim 1 , further comprising:

communicating to said at least first individual information allowing said at least first individual to participate in said virtual affinity group.

5. The computer implemented insurance processing method of claim 1 , wherein said at least first characteristic is associated with a topic of interest, the topic of interest common to all individuals participating in said virtual affinity group.

6. The computer implemented insurance processing method of claim 5 , further comprising:

receiving information identifying at least a second characteristic of said virtual affinity group, the at least second characteristic identifying at least one of a geographical limitation and a demographic limitation.

7. The computer implemented insurance processing method of claim 1 , wherein said at least first feature of said virtual affinity group includes information identifying an Internet address of said virtual affinity group.

8. The computer implemented insurance processing method of claim 1 , wherein said automatically identifying at least a first individual further comprises:

receiving, from at least a first web site, data associated with a plurality of individuals; and

comparing said data with said information identifying said at least first characteristic to identify at least a first individual having said at least first characteristic.

9. The computer implemented insurance processing method of claim 8 , wherein said data is received from said at least first web site via an application programming interface.

10. The computer implemented insurance processing method of claim 8 , wherein said data is received from said at least first web site via an RSS feed.

11. The computer implemented insurance processing method of claim 4 , wherein said communicating to said at least first individual comprises:

transmitting instructions to access said virtual affinity group to said at least first individual.

12. The computer implemented insurance processing method of claim 11 , wherein said transmitting is performed using at least one of email, postal mail, telephone, SMS messaging, and direct messaging.

13. The computer implemented insurance processing method of claim 1 , further comprising:

receiving, from said at least first individual, a request for said at least first insurance related benefit.

14. The computer implemented method of claim 1 , wherein said at least first insurance related benefit is selected based on said information identifying at least a first characteristic of said virtual affinity group.

15. An insurance computer system for creating a virtual affinity group, comprising:

a processor; and

a memory in communication with the processor and storing program instructions, the processor operative with the program instructions to:

receive at least a first characteristic associated with a known insurance underwriting aggregated group;

receive instructions to create a virtual affinity group associated with said at least first characteristic;

receive information defining at least a first feature of said virtual affinity group and at least a first insurance related benefit to be offered to participants of said virtual affinity group;

receive third-party data relating to individuals;

automatically identify, based on the third-party data relating to the individuals, at least a first individual matching said at least first characteristic; and

update a virtual affinity group membership data file to include information identifying said at least first individual as eligible for membership in the virtual affinity group.

16. The insurance computer system of claim 15 , wherein the processor is further operative with the program instructions to:

receive an insurance-related inquiry from said at least first individual; and

adjust an analysis associated with processing of said insurance-related inquiry based on confirmation that said at least first individual is eligible for membership in the virtual affinity group.

17. The insurance computer system of claim 16 , wherein said analysis is at least one of an insurance underwriting analysis and an insurance pricing analysis.

18. The insurance computer system of claim 15 , wherein the processor is further operative with the program instructions to:

communicate to said at least first individual information allowing said at least first individual to participate in said virtual affinity group.

19. The insurance computer system of claim 15 , wherein the processor is further operative with the program instructions to:

analyze information associated with a plurality of individuals having said at least first characteristic to identify at least a second characteristic;

automatically identify at least a second individual matching said at least first and said at least second characteristic; and

update said virtual affinity group membership data file to include information identifying said at least second individual as eligible for membership in the virtual affinity group.

20. The insurance computer system of claim 15 , wherein the processor is further operative with the program instructions to:

analyze information associated with said virtual affinity group membership data file to identify at least a second characteristic;

create a second virtual affinity group of individuals having both said first and said second characteristics; and

automatically identify a plurality of individuals matching both said at least first and said at least second characteristic.