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#include <iostream>
#include <string>
using namespace std;
// function prototypes
double chooseMonthlyPremium(double planAParticipant, double planBParticipant, double planCParticipant, double monthlyPremiumCost);
double testMonthlyPremium(double monthlyPremiumCost);
double chooseDisabilityCoverage();
double chooseLongTermCare();
double smokerInfo();
void completePolicyInfo(double monthlyPremiumCost, double disabilityCoverage, double longTermCoverage, double smokerCost, double grossTotal);
int main()
{
char cont = '\0';
const char SENTINEL = 'q';
int userCount = 0;
double planAParticipant = 0;
double planBParticipant = 0;
double planCParticipant = 0;
double grossTotal= 0.0;
double monthlyPremiumCost = 0.0;
double disabilityCoverage = 0.0;
double longTermCoverage = 0.0;
double smokerCost = 0.0;
cout << "Welcome to Langdon Life Insurance Inc. The following program will help calculate your monthly insurance premiums.\n\n";
system("pause");
while (cont != SENTINEL)
{
chooseMonthlyPremium(planAParticipant, planBParticipant, planCParticipant, monthlyPremiumCost);
testMonthlyPremium(monthlyPremiumCost);
chooseDisabilityCoverage();
chooseLongTermCare();
smokerInfo();
completePolicyInfo(monthlyPremiumCost, disabilityCoverage, longTermCoverage, smokerCost, grossTotal);
userCount ++;
cout << "Enter \'q'\ to quit or any other charachter to continue: ";
cin >> cont;
cout << "Here are your daily totals:\n";
cout << "Plan A Participants: " << planAParticipant <<"\n";
cout << "Plan B Participants: " << planBParticipant <<"\n";
cout << "Plan C Participants: " << planCParticipant <<"\n";
cout << "Total estimates given: " << userCount <<"\n";
cout << "The gross total of your estimates is: $" <<grossTotal <<"\n";
system("pause");
}
}
double chooseMonthlyPremium(double planAParticipant, double planBParticipant, double planCParticipant, double monthlyPremiumCost)
{
int monthlyPremiumChoice;
cout << "Basic Monthly Premium Choices\n";
cout << "1. Plan A $175.00\n";
cout << "2. Plan B $198.00\n";
cout << "3. Plan C $225.00\n";
cout << "Which policy would you like to purchase?\n";
cin >> monthlyPremiumChoice;
switch(monthlyPremiumChoice)
{
case 1:
monthlyPremiumCost = 175.00;
planAParticipant ++;
return monthlyPremiumCost;
return planAParticipant;
break;
case 2:
monthlyPremiumCost = 198.00;
planBParticipant ++;
return monthlyPremiumCost;
return planBParticipant;
break;
case 3:
monthlyPremiumCost = 225.00;
planCParticipant ++;
return monthlyPremiumCost;
return planCParticipant;
break;
default:
return 0;
}
}
double testMonthlyPremium(double monthlyPremiumCost)
{
double yearlyPremiumBeforeAdditions = 0.0;
cout << "Your basic monthly premium is " << monthlyPremiumCost <<"\n";
yearlyPremiumBeforeAdditions = monthlyPremiumCost * 12;
cout << "Your YEARLY premium cost is "<< yearlyPremiumBeforeAdditions <<"\n";
return monthlyPremiumCost;
return yearlyPremiumBeforeAdditions;
}
double chooseDisabilityCoverage()
{
int disabilityOption;
double disabilityCoverage;
cout << "Would you like to include disability coverage? 1 for yes, 2 for no\n";
cin >> disabilityOption;
switch(disabilityOption)
{
case '1':
disabilityCoverage = 0.00;
return disabilityCoverage;
break;
case '2':
disabilityCoverage = 76.00;
return disabilityCoverage;
break;
default:
return 0;
}
}
double chooseLongTermCare()
{
int longTermOption;
double longTermCoverage;
cout << "Would you like to include Long-Term care? 1 for yes, 2 for no\n";
cin >> longTermOption;
switch(longTermOption)
{
case '1':
longTermCoverage = 0.00;
return longTermCoverage;
break;
case '2':
longTermCoverage = 110.00;
return longTermCoverage;
break;
default:
return 0;
}
}
double smokerInfo()
{
int smokerOption;
double smokerCost;
cout << "Are you a smoker? 1 for yes, 2 for no\n";
cin >> smokerOption;
switch(smokerOption)
{
case '1':
smokerCost = .05;
return smokerCost;
break;
case '2':
smokerCost = 0;
return smokerCost;
break;
default:
return 0;
}
}
void completePolicyInfo(double monthlyPremiumCost, double disabilityCoverage, double longTermCoverage, double smokerCost, double grossTotal)
{
double smokerPenalty;
double smokerMonthlyPenalty;
double totalMonthlyPremium;
smokerPenalty = smokerCost * 100;
cout << "Below is your computed policy information based on the selections you have provided:\n";
cout << "Monthly Base Premium: $" <<monthlyPremiumCost <<"\n";
cout << "Disability Coverage: $" << disabilityCoverage <<"\n";
cout << "Long-Term Care: $" << longTermCoverage <<"\n";
cout << "Smoker Penalty: "<<smokerPenalty <<" % \n";
if(smokerPenalty != 0)
{
smokerMonthlyPenalty = (monthlyPremiumCost + disabilityCoverage + longTermCoverage) * smokerCost;
totalMonthlyPremium = monthlyPremiumCost + disabilityCoverage + longTermCoverage + smokerMonthlyPenalty;
grossTotal = grossTotal + totalMonthlyPremium;
}
else
totalMonthlyPremium = monthlyPremiumCost + disabilityCoverage + longTermCoverage;
grossTotal = grossTotal + totalMonthlyPremium;
cout << "Total Monthly Premium: $" << totalMonthlyPremium<<"\n";
}
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