A method for issuing an insurance underwriting instrument using at least one computing processor. The method includes identifying data stored in a plurality of memory locations and being indicative of a select one of a plurality of customers; receiving data indicative of an insurance instrument to be associated with the select customer; and automatically calculating at least one rate associated with the insurance instrument using the data indicative of the customer and data indicative of the insurance instrument. At least one of a plurality of forms for the insurance instrument is selected using the data indicative of the insurance instrument. And, the at least one form is automatically rendered using the at least one rate, the data indicative of the customer, and data indicative of the insurance instrument. The calculating and rendering are performed using the at least one computing processor.