Build an Online Travel Insurance Quote and Selling System

My company sells travel Insurance Globally, this travel insurance covers the following categories, Single Trips (less than 90 days stay), Annual unlimited trips (max 90 days p/trip), Single trips (up to 365 days), Student Travel Insurance, and Expatriates Insurance. We sell directly but we relay in Insurance Companies and Brokers to sell our products so every the structure will be : We --→ --→ Insurance Companies (SubSite) -→ Brokers (agents has to have a Key to identify them and also to pay their commissions Every Travel Insurance Product has the following structure 1. Risk Premium (Cost) 2. Margin Percentage 3. Description 4. Benefits, expressed in Monetary and Number of events 5. Exclusions 6. Retail Price Every Travel Insurance has the following Variables 1. Discount Key (used to identify the Broker, if Empty is sell by us directly) 2. Number of Travelers 3. Date of Birth of every traveller a. If a Traveler is more than 69 Years Old will have a penalty in the price of 50% rise 4. Destination: a. North America b. Brazil c. Central, South American and the Caribbean d. Europe e. Multiple Regions f. Rest of The world 5. Departure and Arrival Date (The Difference in Days will be used to Quote the Travel Insurance Trip) Every Travel Insurance has the Following Basic Coverage Medical Expenses a. $10,000 to $250,000 Every Travel Insurance has the Following Optional Coverage 1. High Risk Travel , We need to know if the traveler going to perform a dangerous sport that need to calculate a high risk rate. 2. Deductible: Is the portion that the insured pay the doctor or hospital when need a service or procedure. (Monetary Option from 0, $100 or $200), If the Deductible chosen is high the calculated premium is lower and vice versa. 3. Terrorism Clause, Terrorism and Natural Disasters are unexpected events beyond human control, 4. Trip Cancellation We will provide the formula to calculate the exact premium We need to know the name and DOB of every traveller, also Basic Information like Passport Number, nationality, and Contact Information Important Links: 1. Claim Procedure Guide 2. Terms and Conditions 3. Privacy Statement 4. Cancellations and Return Policy I have several requests that must be met: 1. Test System (We need to have a mirror site to test Rates and new products before going into production system) 2. Broker Portal, Where they can see their sales, and commissions (paid or pending) 3. Customer Portal, where they can see the policies, re-print, re-order, Change information from their profiles, etc. 4. Recurrent payment option configurable for every product. 5. Responsive Web Site. 6. We preferred Wordpress but any recommendation will be accepted 7. Since we sell globally our travel insurance product we need to have a merchant account and payment processor that deal with any kind of credit card or Paypal. 8. User will receive a customized PDF with his/her name, and details of the product, coverage, Emergency Contact Numbers in a Dummy Card P 9. Brokers will have a commission of the Final Price or a Net Price, Broker will have credit terms, 90% of the wil have to pay with credit card the rest we will extend credit terms. 10. Website needed in English, Spanish and Portuguese 11. -Basic SEO optimization for the web