I would like to use Drupal Commerce to allow our customers to purchase a somewhat canned insurance product.

Below is how I currently envision the process flow but I would love to hear other suggestions.

1. User enters zip code, gender, date of birth, spouse & child(ren) info, etc.
2. Product list is shown based on a number of conditions including state and age
3. User selects product & attributes (deductible/percentage coverage) and price is shown.
4. User clicks "Apply"
5. User answers qualifying questionnaire (health questions)
6. If questionnaire passes validation then go through standard checkout process (no shipping necessary)

Additional requirements:

• No cart functionality, meaning immediate checkout once "Apply" button is clicked
• Pricing would be pulled via web service from an outside system
• All checkout information (applicant, spouse, children, payment) is passed to a web service for processing