a system for providing insurance policies is disclosed herein that includes an insurance database storing user information for a group of users in an insurance program , including user identity data and user reputation data , and an insurance program server containing an insurance platform application communicating with the users in the insurance program through a social network web site and accessing user identity data through a social network database . the application provides insurance policies issued by an insurance carrier to the users covering a first insurance policy term , and uses risk reputation rating data about an individual user submitted by the individual user and scored by the insurance platform application for the purpose of removing selected users from the group for a second insurance policy coverage term . additional systems and methods are also disclosed .