Apparatus for automated risk modification in risk groups

A system for automatic risk modification of a member of a risk group has a data acquisition component which interacts with the member of the risk group to acquire data associated with a risk factor, including repeated acquisition of at least one risk factor parameter. The data are supplied to an expert system which has access to a memory containing a number of product offerings. Based on the transmitted data, the expert system generates an output which includes a behavior recommendation and/or a product offering, having low cost and/or complexity. This recommendation is transmitted to the member of the risk group, and upon the subsequent receipt of a new risk factor parameter from the member, the expert system determines whether modification of the risk factor has occurred. If not, the expert system generates a further output, having a higher cost and/or a higher complexity than the first output, with the procedure being repeated with outputs of stepped incremental complexity or cost levels being supplied to the risk group member as long as no modification of the risk factor is indicated by the risk factor parameter.