A partially-automated system and method of generating insurance pre-applications that reduces data entry and processing errors. Rules-based software applications are used to generate insurance product options for insurance applicants. The fulfillment of each insurance application is outsourced to a service provider which reduces insurance broker involvement in the application process. A central control hub houses computer hardware and software for storing data and transmitting information between the hub and external workstations to facilitate monitoring and completion of each insurance application and placement of insurance policies. Insurance brokers may be partially or wholly reimbursed for the fee associated with each insurance pre-application.