In my health insurance space we have a proprietary software called Quotit.  We input data regarding a client and can send quotes to them during Open Enrollment.  In addtion, the data is held throughout the year so if they have a Qualifying Event, we can sign them outside of Open Enrollment.  Many small groups want to compare group rates with individual rates and Quotit allows us to do that as well.  "Ready" in my business is three things:  Open Enrollment, Qualifying Events or a Life Change.

Curtis Turner