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

Additional requirements:

• No cart functionality, meaning immediate checkout once "Apply" button is clicked
• Pricing would be pulled via web service from an outside system
• One-time and recurring payment options available upon checkout (Authorize.Net)