Systems and Methods for Customizing Insurance

System, methods, and apparatuses provide customizable product features according to consumer preferences. Demand simulators guide the creation of optimized packages of features, which consumers may select from to form a product appropriate for their particular needs. Packages may be formed with a particular appeal to consumers with common needs, wants, or characteristics. In addition, methods, systems, and apparatuses are provided for presenting such products for consideration by customers over a network. Presented products may be formed through an optimization process or according to customer preferences.