A system to generate a bindable insurance quote, and renew and make midterm adjustments to a policy includes an enterprise service bus, an application programming interface (API) in communication with the service bus, a model view controller (MVC) in communication with the API, an insurance frontend graphical user interface (GUI) in communication with the MVC, and a payment API in communication with the MVC and the service bus. In addition, the system includes insurance carrier direct services in communication with the payment API. The system includes a data enrichment module in communication with the API, where the data enrichment module comprises third party web services used to retrieve customer and property data to prefill and default policy information. In addition, the system includes an external rating engine and a handshaking algorithm configured to manage rate calls with the external rating engine to generate a binding insurance quote.