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2.1 Principles of insurance 12

2.2 Insurability 13

2.3 Legal 16

2.4 Research on the effects of insurance on the society 17

2.5 Claims 18

2.6 Marketing 20


















4.2 MAIN MENU 33














5.0 SUMMARY 46




The insurance industry worldwide is facing the challenges of deregulation,

consolidation and convergence of financial services. There is today a pressing

demand for cutting edge services of insurance business management and

enriched customer experiences at a significantly lower cost.

This software provides five types of Insurance services, which include Life

Insurance, medical Insurance, Motor Insurance, home Insurance and Travel

Insurance. Presently this project follows Internet mode i.e. the details can be

viewed and updated by the officials of the company. In the project, a User can

view the details of various policies and schemes offered by the Insurance

Company. New Users can register with the site so that he can get information

online. An existing policyholder can view his policy details and calculate the

premium. The web site provides information about the new strategies and

subsidiary Schemes of the company, provides loan facility for policy holders

and online payments.

This software is developed in ASP.Net using as front end and MS access

database as back-end on Windows platform. The project was completed using

the structured system and design methodology (SSADM).



Insurance is a contract for payment of a sum of money to the person assured

on the happening of the event insured against. Usually the contract provides

for the payment of an amount on the date of maturity or at specified dates at

periodic intervals or at unfortunate death, if it occurs earlier. Among other

things, the contract also provides for the payment of premium periodically to

the Corporation by the assured. Insurance is universally acknowledged to be an

institution which eliminates `risk', substituting certainty for uncertainty and

comes to the timely aid of the family in the unfortunate event of death of the


Insurance is a form of risk management primarily used to hedge against the

risk of a contingent, uncertain loss. Insurance is defined as the equitable

transfer of the risk of a loss, from one entity to another, in exchange for

payment. An insurer is a company selling the insurance; the insured, or

policyholder, is the person or entity buying the insurance policy. The amount

to be charged for a certain amount of insurance coverage is called the

premium. Risk management, the practice of appraising and controlling risk, has

evolved as a discrete field of study and practice.

The transaction involves the insured assuming a guaranteed and known

relatively small loss in the form of payment to the insurer in exchange for the

insurer's promise to compensate (indemnify) the insured in the case of a

financial (personal) loss. The insured receives a contract, called the insurance

policy, which details the conditions and circumstances under which the insured

will be financially compensated.

Insurance involves pooling funds from many insured entities (known as

exposures) to pay for the losses that some may incur. The insured entities are

therefore protected from risk for a fee, with the fee being dependent upon the

frequency and severity of the event occurring. In order to be insurable, the risk

insured against must meet certain characteristics in order to be an insurable

risk. Insurance is a commercial enterprise and a major part of the financial

services industry, but individual entities can also self-insure through saving

money for possible future losses.


the Workmen’s Compensation Act of 1897 in Britain required employers to insure their employees against industrial mishaps.C. though competitive. The companies. Brown RL 1993 also said that in the 19th century. For example.(Frank J. caravans faced the same kind of perils our transportation industry faces today – like robbery. many of these fraternal orders and labor organizations still exist. worked together to create productive systems that could be used throughout the industry. which came strongly into play when the automobile arrived on the scene. (Brown RL. Of course.1. (1993). the Code of Hammurabi was the first basic insurance policy. Way back in Babylonian times. Now the insurance industry was growing to huge proportions. Today. many societies were founded to insure the life and health of their members. and who gave them that guarantee. They needed to keep up with the requirements of the increasing amount of laws governing insurance. This policy was paid by the traders in the form of a loan to guarantee the safe arrival of their goods by caravan. Most employers offer group 3 .1 BACKGROUND OF STUDY We look back in history at who first felt the need for a guarantee against loss. bad weather and breakdowns. around 2100 B. 2008). This also fostered what we know today as public liability insurance. Fraternal orders were created to provide low-cost insurance strictly for their members.

After studying the insurance company and their services. 4 . isn’t that what insurance is – the paying of a premium to protect against some form of loss. sickness and accident benefits. Lead distribution and tracking need to be more systematized on computerized platform of insurance service policies for their employees. And really. Travellers wanted travel insurance. People wanted deposit insurance at their banks. Now insurance was the accepted thing to do. Everybody turned to insurance companies to give them peace of mind. This project is aimed at automating the insurance service. providing them with life insurance. 1. Farmers wanted crop insurance. I found the following problems: 1. It is hard to centralize the core information of policy holders because the manual workload high. thus the chances of error is high.2 STATEMENT OF THE PRONBLEM Tracking a policy and tracking the performance of sales force in insurance companies have become methodical and almost flawed in the manual system of tracking and evaluation of sales force performance. Everybody needed to protect themselves against the many risks in life. and pensions.

Centralize the core information of policy holders and reduces manual workload. Therefore among the objectives of this study are to provide a system that will: 1. accuracy and effective cost control. Ensure speed. Ensure complete control over the database thus controls all sorts of fraudulent activities 5 . People can access the twin benefits of quick accessibility and minimum paper work. Poor data management and processing. The intra-network and coordination between different departments of an insurance business is ineffective and time consuming 4. 1. thus minimizes the chances of error 4.3 OBJECTIVE OF THE STUDY After analysing the above problem. I noted that the solution will be an online application that will address the problems mentioned above. The manual system administration does not ensure complete control over the database thus control over all sorts of fraudulent activities cannot be ensured. 3. Not only save time and money. 2. 3. 2. but also enable the buyers to compare the terms and premium amount of different insurance service providers.

6 . This significance of the proposed system are: i. If all uncertainty could be removed from business. An online application helps them to this. Ensure better data management and processing in comparison to conventional and manual processing. 5. This section provides insight into the significance of this study. It safeguards capital and at the same time it avoids the necessity on the part of industrialists. So it gives a sense of security. They are therefore free to use their capital as may seem best. which is real gift to the business man. Stimulant of business enterprise: Insurance facilitates to maintain the large size commercial and industrial organizations.4 SIGNIFICANCE OF STUDY This project study has several significances that we can attest to. Insurance removed many uncertainties and to that extent is profitable. No large scale industrial undertaking could function in the modern world without the transfer of many of its risks to insurer. 1. Removal of uncertainties: Insurance Company takes the risks of large but uncertain losses in exchange for small premium. ii. income would be sure.

which include Life Insurance. 1. Correct distribution of cost: Insurance helps to maintain correct distribution of cost. This type of policy is found particularly in life assurance. Every business man tries to pass on to the consumer all types of costs including accidental and losses also. Insurance policy is often very suitable way of providing for the future. In the various fields of Insurance such losses are correctly estimated keeping in view a vast number of factors bearing on them. home Insurance and travel Insurance.5 SCOPE OF STUDY The system was restricted to the following areas during the development. The system provides only five types of Insurance services. An existing policy holder can view his policy details. In the absence of insurance application services. It promotes savings by making it compulsory which has a beneficial effect both for the individual and nation. Promotion of saving: Saving is a device of preparing for the bad consequences of the future. The web site provides information about the 7 . medical Insurance. New Users can access the site so as to get information online. There are other types of insurance which it doesn’t support. motor Insurance. these losses and costs would be assessed and distributed only by guess work. iv.iii.

ii. 1. All other types of insurance like breast insurance is beyond the scope of this research strategies and subsidiary Schemes of the company. iii.7 DIFFINITION OF TERMS INSURANCE: This is a financial protection against loss or harm: an arrangement by which a company gives customers financial protection against loss or harm such as theft or illness in return for payment premium. Financial difficulties due to the economic situation in Nigeria also posed a major constraint this research work because there was no enough fund to carry out a very vast research on other forms of insurance. Limited time for thorough research. Inconsistence power supply in Uli.6 LIMITATIONS OF THE STUDY Some setbacks were encountered during the research. which hinders the development of the program. These include: i. Lack of quality textbooks or materials on online administration and insurance policy. CASUALTY: 8 . iv. 1.

DIVIDEND: The return of part of the policy's premium for a policy issued on a participating basis by either a mutual or stock insurer. The term is most commonly used in a pecuniary sense. LIABILITY INSURANCE . to others imposed by law or assumed by contract. due to negligence. any legally enforceable obligation. A portion of the surplus paid to the stockholders of a corporation. DEATH BENEFIT: The limit of insurance or the amount of benefit that will be paid in the event of the death of a covered person. INSURANCE QUOTE: 9 . LIABILITY: Broadly.Liability or loss resulting from an accident.Insurance that pays and renders service on behalf of an insured for loss arising out of his responsibility.

Depending upon the type of insurance you are buying the final cost may be higher or lower than the estimate. The objectives of the study. presents information from diverse sources in a unified way. 1. POLICY: Policy is a course of action: a program of actions adopted by a person. scope of study. I also provided the problem that led to the development of the system. limitation of study.It is an estimate of the cost of your insurance. or the set of principles on which they are based. In this context. or government. WEB PORTAL: This is a link page. Chapter two: literature review of insurance service. it is the set of actions adopted by the insurance firm. basically what people have done on the topic. 10 .8 ORGANIZATION OF WORK Chapter one: insurance service. group. significance of study. SSADM: Structural system analysis and design methodology.

the step followed and analysis of the existing system. table format/structure. the data dictionary. Summary. hardware Chapter five: Recommendation and future development. 11 . Chapter four: the design and implementation of the system. conclusion and then references. input-output specification.Chapter three: the research methodology.

2. I will be reviewing the works and related works people have done on insurance. The insured entities are 12 . CHAPTER TWO LITERATURE REVIEW As noted earlier. insurance is a financial protection against loss or harm: an arrangement by which a company gives customers financial protection against loss or harm such as theft or illness in return for payment premium. In this chapter.1 Principles of insurance Insurance involves pooling funds from many insured entities (known as exposures) to pay for the losses that some may incur.

which may lead to different premium rates. et al. but individual entities can also self-insure through saving money for possible future losses.2 Insurability Risks which can be insured by private companies typically share seven common characteristics though some of these risks are outside the scope of my study: Large number of similar exposure units: Since insurance operates through pooling resources. 13 . sports figures and other famous individuals. (Allen N. In order to be insurable. all exposures will have particular differences. the risk insured against must meet certain characteristics in order to be an insurable risk. the majority of insurance policies are provided for individual members of large classes. 1993). 2. (Brown. allowing insurers to benefit from the law of large numbers in which predicted losses are similar to the actual losses. However. which is famous for insuring the life or health of actors.therefore protected from risk for a fee. with the fee being dependent upon the frequency and severity of the event occurring. 1997) Exceptions include Lloyd's of London. Insurance is a commercial enterprise and a major part of the financial services industry.

the time. plus the cost of issuing and administering the policy. Accidental loss: The event that constitutes the trigger of a claim should be fortuitous. such as ordinary business risks or even purchasing a lottery ticket. Fire. in the sense that it results from an event for which there is only the opportunity for cost. (Sean. are generally not considered insurable. or at least outside the control of the beneficiary of the insurance. for instance. (2000). adjusting losses. (2008) Large loss: The size of the loss must be meaningful from the perspective of the insured. place or cause is identifiable. The classic example is death of an insured person on a life insurance policy. Other types of losses may only be definite in theory. (Frank J. automobile accidents. Dembe AE. could objectively verify all three elements. Boden LI. Ideally. and from a known cause. and supplying the capital needed to reasonably assure that the insurer will be able to pay claims. Occupational disease. 2004) For small losses these latter costs may be several 14 . may involve prolonged exposure to injurious conditions where no specific time. Events that contain speculative elements. and worker injuries may all easily meet this criterion. in a known place. Insurance premiums need to cover both the expected cost of losses. with sufficient information. The loss should be pure.Definite loss: The loss takes place at a known time. place and cause of a loss should be clear enough that a reasonable person.

(Franklin. If there is no such chance of loss. that the resulting premium is large relative to the amount of protection offered.. as the accounting profession formally recognizes in financial accounting standards. J. Limited risk of catastrophically large losses: Insurable losses are ideally independent and non-catastrophic. the premium cannot be so large that there is not a reasonable chance of a significant loss to the insurer. Affordable premium: If the likelihood of an insured event is so high. Gollier C. or the cost of the event so large. There is hardly any point in paying such costs unless the protection offered has real value to a buyer. (2003). and the attendant cost. Further. but not the substance. meaning that the losses do not happen all 15 .times the size of the expected cost of losses. the transaction may have the form of insurance. it is not likely that the insurance will be purchased. while cost has more to do with the ability of a reasonable person in possession of a copy of the insurance policy and a proof of loss associated with a claim presented under that policy to make a reasonably definite and objective evaluation of the amount of the loss recoverable as a result of the claim. 2001) Calculable loss: There are two elements that must be at least estimable. if not formally calculable: the probability of loss. Probability of loss is generally an empirical exercise. even if on offer.

or are insured by a single insurer who syndicates the risk into the reinsurance market. the insured in the case of certain losses only up to the insured's interest. In the US. In commercial fire insurance it is possible to find single properties whose total exposed value is well in excess of any individual insurer's capital constraint. Capital constrains insurers' ability to sell earthquake insurance as well as wind insurance in hurricane zones. Several commonly cited legal principles of insurance include: Indemnity – the insurance company indemnifies. insurers may prefer to limit their exposure to a loss from a single event to some small portion of their capital base. there are basic legal requirements. or compensates. (October 1997) 2.3 Legal When a company insures an individual once and individual losses are not severe enough to bankrupt the insurer. What that "stake" is will be 16 . The concept requires that the insured have a "stake" in the loss or damage to the life or property insured. Insurable interest must exist whether property insurance or insurance on a person is involved. Insurable interest – the insured typically must directly suffer from the loss. Mary A. Such properties are generally shared among several insurers. flood risk is insured by the federal government.

Causa proxima. Subrogation – the insurance company acquires legal rights to pursue recoveries on behalf of the insured. for example. or proximate cause – the cause of loss (the peril) must be covered under the insuring agreement of the policy. as if the asset was not insured.In case of any loss or casualty. Material facts must be disclosed.determined by the kind of insurance involved and the nature of the property ownership or relationship between the persons. the asset owner must attempt to keep the loss to a minimum. 2. Contribution – insurers which have similar obligations to the insured contribute in the indemnification.4 Research on the effects of insurance on the society Insurance can have various effects on society through the way that it changes who bears the cost of losses and damage. the insurer may sue those liable for insured's loss. Utmost good faith – the insured and the insurer are bound by a good faith bond of honesty and fairness. and the dominant cause must not be excluded Mitigation . 17 . On one hand it can increase fraud. according to some method.

Claims may be filed by insured directly with the insurer or through brokers or agents.because of concerns over rate reductions and legal battles. and possible discounts for loss mitigation efforts. it is the actual "product" paid for. While in theory insurers could encourage investment in loss reduction. Insurance scholars have typically used morale hazard to refer to the increased loss due to unintentional carelessness and moral hazard to refer to increased risk due to intentional carelessness or indifference.on the other it can help societies and individuals prepare for catastrophes and mitigate the effects of catastrophes on both households and societies. The insurer may require that the claim be filed on 18 . and preventive steps by the insurance company. 2. Insurers attempt to address carelessness through inspections.particularly to prevent disaster losses such as hurricanes . (Kunreuther H. Insurance can influence the probability of losses through moral hazard. insurance fraud. (1996).5 Claims Claims and loss handling is the materialized utility of insurance. policy provisions requiring certain types of maintenance. However. some commentators have argued that in practice insurers had historically not aggressively pursued loss control measures . such as through building codes. since about 1996 insurers began to take a more active role in loss mitigation.

the reasonable monetary value of the claim. Adjusting liability insurance claims is particularly difficult because there is a third party involved. where claims may be complex. J. or may accept claims on a standard industry form.. and if so. such as those produced by ACORD. The policyholder may hire their own public adjuster to negotiate the settlement with the insurance company on their behalf. Incoming claims are classified based on severity and are assigned to adjusters whose settlement authority varies with their knowledge and experience. usually in close cooperation with the insured. The adjuster must obtain legal counsel for the insured (either inside "house" 19 . which covers the cost of a public adjuster in the case of a claim. determines if coverage is available under the terms of the insurance contract. who is under no contractual obligation to cooperate with the insurer and may in fact regard the insurer as a deep pocket. and authorizes payment. the plaintiff. 1997) Insurance company claims departments employ a large number of claims adjusters supported by a staff of records management and data entry clerks. E. the insured may take out a separate insurance policy add on. (Vaughan. The adjuster undertakes an investigation of each claim.its own proprietary forms. For policies that are complicated. called loss recovery insurance.

6 Marketing Insurers will often use insurance agents to initially market or underwrite their customers. meaning that they can issue policies from several companies. insurers seek to balance the elements of customer satisfaction. If a claims adjuster suspects under-insurance. meaning they write only for one company. Disputes between insurers and insured over the validity of claims or claims handling practices occasionally escalate into litigation 2. Agents can be captive. administrative handling expenses. 20 . or independent. (Vaughan. 1997). The existence and success of companies using insurance agents is likely due to improved and personalized service.. E. fraudulent insurance practices are a major business risk that must be managed and overcome.counsel or outside "panel" counsel). and claims overpayment leakages. and appear in person or over the telephone with settlement authority at a mandatory settlement conference when requested by the judge. the condition of average may come into play to limit the insurance company's exposure. In managing the claims handling function. monitor litigation that may take years to complete. J. As part of this balancing act.

redlining. Yet there are many controversies I took note of during my research. Then if changes were made to the existing polices. These issues have to be settled within the insurance bodies. Limited consumer benefits. insurance patents. These controversies are: Insurance insulates too much.So far we have seen the reviews researchers have made on this subject matter. I will introduce my research methodology and then analysis the existing system. they will be updated in the application. the insurance industry and rent-seeking. 21 . I did not embark on this research work to settle these controversies neither will the online application do. religious concerns. Complexity of insurance policy contracts. In the next chapter.

System development methodology is a standard development process that defines set of activities. CHAPTER THREE RESEARCH METHODOLOGY AND SYSTEM ANALYSIS 3. system development methodology is a set of recommended practice that is accomplished with the training materials for formal educational program and diagrammatic tools.0 INTRODUCTION In this chapter. In other words. method good practice and automated tools that system developers use to develop a system and improve on information. we shall look at the methodology used in the development of the proposed system. So efficiency of any system is very much dependent upon the quality of the 22 .

System analysis is a problem solving techniques that breaks a system into its smaller parts or modules for purpose of knowing how well those parts work and interaction with each other in order to accomplish a task. The 23 . SSADM analyses present system: defines its business requirements and what the new system will have. To achieve this we have to employ the techniques known as system analysis. the facts to find the methodology of finding them and the way of making them available for use though.1 ANALYSIS OF THE PRESENT SYSTEM It is very important to analyse an existing system in details so that the inherent problem may not repeat in the new system. It reveals the major problems area that requires elimination. Here there are sheets that are used for the registration of the insured. there are many methodologies that can be used to carryout research work but will be using structural system analysis and design methodology (SSADM) in order to effectively develop and implement the system. the existing system adopts a manual approach of data management.research work carried out in that field hence. Presently. 3. It focuses on the flow of data through business processes. every research work is aimed at getting the type of data that is kept in a defined department.

This helps to remove major problem areas that need to be eliminated in the design of the system during the analysis of the present system. In an event of accident or loss. the insurance management will have to search through all documents to check the insurance history of the insured that had the loss before they can render any help. So the aim of the phase is to find out if the research is worth embarking upon. problems in the existing system that triggered the research are identified. to further back up the reason why this research should be embark upon. The system does not allow people to register or adopt insurance from their locations.2 INPUT AND OUTPUT DOCUMENTS In this phase. Analysis of a present system is the study of its operation with an attempt to discover its basic problem areas. We defined the scope in terms of the data processes. When the insured pays the premium the information is recorded in a payment booklet. interaction with users and interaction with other system as follows: A. PERFORMANCE 24 . 3.sheets also contain other information that is related to a particular customer. They must come to the office before any service can be started or rendered.

We cannot talk about performance of a system without mentioning it is throughput and response time. 25 . C. EFFICIENCY Since the does not always produce a desired result. The bio-data of the insured is also taken. INFORMATION The information given by the current system includes the information concerning the insurer and the insured. so it is hard for the insurance company to get more customers online. This is because in the insurance business model is to collect more in premium and investment income than is paid out in losses. It is not efficient. the response time is the time between a request and responses to the request. In this case we measure the performance of the existing system by checking the net income over a given time. Throughput is the amount of work done within a given time. B. D. space resources to operate. However the present system does not incorporate technology. ECONOMICS The present system cannot be said to be economical since the system take time. Then.

 Ensure speed. For instance. The new system should be able to produce consistent information.3. People can access the twin benefits of quick accessibility and minimum paper work. process several insurance 26 . but also enable the buyers to compare the terms and premium amount of different insurance service providers. 3. in this research work the new system should be able to reduce the responses that normally take long time in the present system.4 DESCRIPTION OF THE NEW SYSTEM The purpose of this phase is to state what the new system should do. accuracy and effective cost control.3 ANALYSIS OF THE PROPOSED SYSTEM The primary objective of this phase is to produce system improvement objectives that will address problems of the current system.  Centralize the core information of policy holders and reduces manual workload. The improvement objectives are:  Not only save time and money. thus minimizes the chances of error  Ensure complete control over the database thus controls all sorts of fraudulent activities  Ensure better data management and processing in comparison to conventional and manual processing.

1 DECISION ANALYSIS PHASE This phase of the SSADM is connected with the production of an approved proposed. Validation of the input data. The above requirement can be looked into two ways: functional requirement and non-functional requirement. we shall consider the following feasibility. b. without hanging and collect relevant data from the insured for proper processing.4. To prove that we come up with a proposal statement that is worth approving. Non-functional: this is a feature of constant that defines a satisfactory system such are: a. 3. TECHNICAL FEASIBILITY 27 . Back up. Alert on invalid data. Functional: this has to do with a feature that processes the sensitive data of the insured and feature that allows for remote registration to the insurance company. at a time.

3.3 CONSTRUCTION PHASE 28 . Therefore cost cannot be an obstacle for the completion of this work. SCHEDULE FEASIBILITY I are quite sure that this work will not take time more than required. Details of this phase will be given attention in chapter four.4. ECONOMIC FEASIBILITY The cost of this work cannot be compared to the features.2 DESIGN PHASE The main purpose of this phase is to transform requirement statement into design mode. OPERATIONAL FEASIBILITY From the fore going analysis the new system will be certainly fulfil user requirements. Do I have this technical ability to design and build the system? my answer is “yes” as my knowledge in system analysis. active server page. and html shall be put to work. 3.4.

B. The proposed system removed many uncertainties and to that extent the business is profitable. this new system will be developed using ASP.NET/V. If all uncertainty could be removed from business.4 ADVANTAGES OF THE NEW SYSTEM After the analysis of the present system one can draw a conclusion that there is a very large advantage for the new system. 3. income would be sure. With this model. HTML and Access database.4. 3.5 DATA FLOW DIAGRAM SYMBOLS AND MEANING SYMBOLS MEANING FUNCTIONS 29 . The ASP. The major advantage of all the advantages is: Removal of uncertainties: Insurance Company takes the risks of large but uncertain losses in exchange for small premium.NET and HTML is for the application and user interface while Microsoft access database is for the management of the database. So it gives a sense of security. which is real gift to the business man.

DATA FLOW DIAGRAM Registration data Insured and payment details Database Server 30 Insurance policy from services the insured . Showing what the system is doing. Data store It is a repository of data or file. Process Data flow It models the passage of data in the system and is presented by the lines joining system component. They are entities outside the system but they either supply Double External Square input data into the system or the entities use system output.

3.6 HIGH LEVEL MODEL OF PROPOSED SYSTEM Insurance web application homepage login Registration / get a policy quote Your Quotes Status Life Motor Home 31 .

1 OBJECTIVE OF THE NEW SYSTEM The aim of the design phase is to develop an online insurance service application which will help the company to manage insurance data get more customers and maximise profit.0 INTRODUCTION System design is the task of structuring each element within the new system in order to create an integrated data processing system that meet up with the users requirement and at the same time conform to the specification and boundaries established during the analysis phase. CHAPTER FOUR SYSTEM DESIGN AND IMPLEMENTATION 4. During the design phase structured system analysis and design methodology SSADM was used to provide a simplified top – down analysis. 4. 32 . It involves specifying the expected output and identifying the input required to achieve the goals intended.

it contains hyperlinks when link users to other pages of the website.  Registration: this is where a new customer gets a quote. This means that your registration is not needed if you are not interested in any insurance service.4.2 MAIN MENU  Home Page: this is the first page displayed in the browser after the user enters the address of the website and like all other home pages. To register means to buy one or more insurance service.  Login page: this is a page where the user logs in. There is no registration without insurance. This means insurance. this user is a person that has registered for insurance in the company as the insured. 33 .

FIELD NAME DATA TYPE FIELD WITHD 34 . 4.3 DATABASE SPECIFICATION The new system will use Microsoft access to store information of the insured in the following tables.  Policies: this page consists of the latest news about the insurance company and their policies. This also contains the terms of service and information in case another insurance type is added to the list.

Pin Text Default Fname Text Default Mname Text Default Sname Text Default Sex Text Default Marital status Text Default Date of birth Text Default Mobile number 1 Text Default Email address Text Default Type of insurance Text Default Mode of payment Text Default Image Text Default Address Text Default LGA Text Default State Text Default PAYMENT TABLE FUNCTION OF THE TABLE: store all the payment details 35 .

4 INPUT/OUTPUT FORMAT Input are the data to be sent to the program or system while output are the information to be displayed on the screen or as print out.5 THE SYSTEM FLOWCHART Start Yes No Login? Login Choose 36 insurance ? .FIELD NAME DATA TYPE FIELD WIDTH Pin Text Default First name Text Default Surname Text Default Middle name Text Default Payment method Text Default 4. 4.

No Yes Register and get a quote Review personal details Stop FLOW CHART SYMBOLS. MEANING. Decision Used to make decision in a system. 37 . AND FUNCTIONS SYMBOLS MEANING FUNCTION Terminals Used to show the beginning and the end of a program Input/output Input data or output data in a system.

6 PROGRAM DOCUMENETATION AND IMPLEMENTATION DOCUMENTATION Documentation of the operation procedures. Although the 38 . it is readily for access by visitors that are online. specification and operation of a system. Process It is used to show what the system is doing. as a process which denotes or involves the laying down of all information that describes the nature. Documentation may consist of the several components documents like requirements document and design document. it could be issued in two different perspectives. OPERATION PROCEDURE Once the files are transferred to an online server that is connected to the internet. Display box It is used to display the output of a data Disk (storage Used for storage of data device) 4.

When he logs in he can view his insurance history. There is nothing like ordinary registration. which the user may not be familiar with. Again there is no registration without buying any of the insurance. So this application is design to show new visitors what the company can offer. extended. This is because the implementation process associated with a lot of events. The premium history can also been seen. computer utilization in related assignments. The user can report any abuse and do other thing available on the site. Registration means buying insurance. b. a. 39 . When the user has gotten insurance. the following ideas should be critically evaluated prior implementation.information on the website can be accessed by any one. there are some pages a user cannot view unless the user is registered. he can now login with a pin he provided on registration. However. then he buys insurance by a way of registration. Will there be a manual principle and procedures all to be combined with computerized processes. WEBSITE IMPLEMENTATION Several conditions need to be made before a new system is implemented. The need for expansion. If the visitor is impressed by what he or she saw in the website.

File conversion 2. 4. A local area network (LAN) is employed. which via host server may be linked to the internet. The implementation activities involve the following: 1. 4. The cost effectiveness of any system chosen and its applicability in an organization should be critically considered. network server and client software and installation.7 IMPLEMENTATION LAYOUT This involves all the activities that need to be completed so as to install a program on the hardware and the network necessary for it to work well. Publishing of the site to the web. Use of operator input with processing system as a direct link between the central processing unit and the peripherals such that data reflecting current activities are captured and subjecting to processing the system makes use of host computer which is linked to other small computers work stations in other location. Acquisition of necessary hardware. c. 5. 40 . Establishment of a network and connectivity. Cutover/change over procedure 3. thus forming a soft if internet.

6. an appropriate made of change over the system ought to be adopted. used by the existing system into electronic files. Cutover/Change Over Procedure Computerization is usually associated with structured and operational changes. To ensure the workability of the system after implementation. The following modes of change are available for consideration. Evaluation and maintenance. these electronic files can be accessed as desired. Direct change over. which are stored in disk etc. b. 41 . Direct change over: this involves the introduction of the new system without any regards to an existing one. File Conversion This processes involves the conversion of files. The new system completely replaces the existing system and takes over its functions. etc. The mode is however suitable where there is no relationship between the old and the new system and when the organization is unable to meet the expenses of running both system. Parallel change over. a.

Publishing the Site to The Web After a website has been designed. Acquisition of Hardware.00Mhz. 42 . The implementation team should conduct a market research to determine the required ones at an affordable price.Parallel change over: this is the running of the existing and the proposed system together to actually check that both of them output the things when the same test data are ran on both of them. a web server for the deployment of the new system. In this case I choose to adopt the parallel change over procedure. Those requirements are different from the hardware and software requirement of the user computer. This is the requirement of the host server to get the system running on the web. Network and Clients Software and Installation: This process of computerization and establishment of this new system is meaningless without the acquisition and installation of the following items: Windows server 2003 or later Computer system with the following features: Hard disk: 500 100 gb or higher. it makes no meaning until it is published to the web so that it can be accessed remotely. Processor of 3.

8 MAINTENANCE AND MANAGEMENT Almost all the components of the network system needed to be maintained and managed as operations continues performance of the system as expected. The issue of maintenance diversified to hardware components and software used in the system.  Does the system meet the set objectives in terms of cost. the idea of maintenance and management comes into mind. 43 . their technical performance and operations?  Are the outputs correct? Having answered their questions. 4. The evaluation processes should give solutions to the following questions. The most be done by experts such as IT professional and network management professionals.Evaluation and Maintenance Evaluation refers to a critical assignment of the system during and after implementation so as to discover the workability and viability as regards the aid/down aims and objectives of the system.

ASP is a program that runs inside IIS (instruction information server). The choice of using this programming language is because it supports interoperability more than any other language and its user friendly. It is a Microsoft technology. 4. 4.12 HARDWARE AND OPERATING SYSTEM REQUIREMENTS 44 .NET.10 DATA VALIDATION Before data are accepted by the system.9 HARDWARE MAINTENANCE These include all the activities carried out on the pieces of hardware (computer and network hardware) in order to correct or even prevent future failure of the system. For instance if an imput field requires an email the user must put an email there and nothing else. HTML. XML.NET for Active Server Pages. 4.4. ASP file is just the same as an HTML file.11 LANGUAGE JUSTIFICATION ASP. and Scripts in an ASP file can be executed in the server and ASP files have the file extension “asp” also ASP can also be referred to as VB. there is a validation to verify whether there is data type mismatch.

The operating system on which the internet information server (IIS) will run is windows vista or windows 7 (all from Microsoft). In addition. the internet browser running on the client machines should be the Microsoft internet explorer from version 8 upwards or any other new version browser. figures should be Pentium 4 class microprocessor running at a minimum of 2. and a hard disk space of about 100GB with 1GB (or more) of RAM for server.13 SOFTWARE TESTING To install the software on the server machine the folder containing the source code of the software and other dependency files should be copied from the 45 . the server ought to be a high performance system with a lot of hard disk space and memory. 4. Typically.0GHZ (or its equivalent). But for optimum performance. The client PCs do not need as high a hardware requirement as the server does due to minimum processing that goes on in them.Both applications (desktop and web) and the database system do not necessarily require large hardware requirements.

0 SUMMARY 46 . RECOMMENDATION AND CONCLUSION 5.production system to the server. CHAPTER FIVE SUMMARY. Then the web module for the site should be created in the server.

The system organizes the insurance data in an appealing manner and retrieves data when needed as fast as possible. They can also view edit and even delete an insured in an event of abuse or misconduct.The development of a web based application for insurance services is the objective of this project. The system is economical because once it is completed there is no additional expenses to be incurred on the system again. The research has been well made and the system developed to a successful completion. I make the following recommendations:  Companies can adopt the system for proper data management 47 . 5. The system is designed to help the insurance company to reduce the time wasted on manual processing of insurance documents. The system is designed to run on a web server while the visitor will access the site on a webpage through a standard browser. This also helps the company to get customers who is not in the same geographical location as the company through online insurance.1 RECOMMENDATION With respect to how the system operates. The company has an admin part of the program that allows them to update the information on the application.

The web application which provides the user online access to insurance services was implemented using basic web page design tool. All terms and conditions are within the website. ASP.2 CONCLUSION This project – web based application for insurance services was successfully implemented using standard development software and international defined transmission protocol. 5. The user may not need to come to the physical location of the insurance company to obtain needed details before proceeding with insurance.  I recommend a fast and secured web server for the hosting of this system to ensure smooth running and enhanced data security. The system was tested and the correct output was obtained. Finally the objectives of developing the system was The application is therefore capable of being implemented on a wide verity of hardware environments. This web based application for insurance services is targeted to give quality services to the users who may wish to insure anything.  Companies that have their location in remote places can adopt the system so as to get customers that are far away.  For the users I also recommend a modern browser for access the site so that the components of the system will load. 48 . HTML.

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