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Each change needs to be translated into the rules and information used across the "},{"_key":"eac8ff0d18fb","_type":"span","marks":["34c975c8c5fa"],"text":"product lifecycle"},{"_key":"45c0a6444174","_type":"span","marks":[],"text":"."}],"markDefs":[{"_key":"34c975c8c5fa","_type":"externalLink","url":"https://www.cardinal.co.za/blog/policy-lifecycle-automation-insurance"}],"style":"normal"},{"_key":"95a8b1772a75","_type":"block","children":[{"_key":"09dc3c61074e0","_type":"span","marks":[],"text":"Approving a product change is therefore only the starting point. The revised product needs to be reflected in the relevant underwriting rules, policy configuration, documentation and operational instructions before it takes effect."}],"markDefs":[],"style":"normal"},{"_key":"30a1087ab5b1","_type":"block","children":[{"_key":"beeac4ad9acc0","_type":"span","marks":[],"text":"When these elements are not aligned, the same product can be assessed or administered differently depending on where a transaction sits. A quotation may use one rule while the resulting policy is created using another. This can lead to incorrect premiums, inappropriate referrals, policy corrections and avoidable servicing work."}],"markDefs":[],"style":"normal"},{"_key":"6adec6a61457","_type":"block","children":[{"_key":"21dc57bb3cb60","_type":"span","marks":[],"text":"Managing product changes effectively therefore requires a clear understanding of where each approved amendment needs to be applied across the product lifecycle."}],"markDefs":[],"style":"normal"},{"_key":"24b2db76444d","_type":"block","children":[{"_key":"b24d3f933ce30","_type":"span","marks":["strong"],"text":"What Types of Product Changes Affect Insurance Operations?"}],"markDefs":[],"style":"h2"},{"_key":"82c3977040f1","_type":"block","children":[{"_key":"5696a9b5b3cf0","_type":"span","marks":[],"text":"Product changes can affect different parts of the insurance process depending on what is being amended."}],"markDefs":[],"style":"normal"},{"_key":"891ce068b3f3","_type":"block","children":[{"_key":"80890d7a3dbc0","_type":"span","marks":["a4e14db3e579"],"text":"Pricing and rating"},{"_key":"0f0e074a351a","_type":"span","marks":[],"text":" changes affect how premiums are calculated. Changes may involve rates, rating factors, discounts, loadings or other calculation rules."}],"markDefs":[{"_key":"a4e14db3e579","_type":"externalLink","url":"https://www.cardinal.co.za/blog/dynamic-pricing-in-insurance"}],"style":"normal"},{"_key":"013b80ddc712","_type":"block","children":[{"_key":"620ff56348140","_type":"span","marks":[],"text":"Underwriting changes affect how risks are assessed. These can include changes to eligibility criteria, underwriting questions, referral thresholds or rules for accepting particular risks."}],"markDefs":[],"style":"normal"},{"_key":"82bbf374d06a","_type":"block","children":[{"_key":"fa527fe2a9950","_type":"span","marks":[],"text":"Policy-term changes affect the terms provided to the customer. Changes to excesses, coverage conditions, exclusions or wording must be reflected in the policy documentation."}],"markDefs":[],"style":"normal"},{"_key":"e3d1e1e93534","_type":"block","children":[{"_key":"f2f9e2dad8710","_type":"span","marks":[],"text":"Data and process changes can affect the information collected or the steps required to complete a transaction. For example, a new underwriting requirement may require an additional question during quotation and corresponding information in the policy record."}],"markDefs":[],"style":"normal"},{"_key":"c338f69ce2c3","_type":"block","children":[{"_key":"6b002e5114160","_type":"span","marks":[],"text":"A single product change can affect more than one of these areas, so its impact on the relevant processes, rules and outputs needs to be assessed before implementation."}],"markDefs":[],"style":"normal"},{"_key":"e45d3365d5e6","_type":"block","children":[{"_key":"e1f997ef15830","_type":"span","marks":["strong"],"text":"What Needs to Change When Underwriting Rules Are Updated?"}],"markDefs":[],"style":"h2"},{"_key":"b80fb426e6cb","_type":"block","children":[{"_key":"bd0269107a8c0","_type":"span","marks":[],"text":"An underwriting change needs to be reflected in every part of the quotation and assessment process that uses the affected rule."}],"markDefs":[],"style":"normal"},{"_key":"6b765ec9b2a8","_type":"block","children":[{"_key":"2203168ea0650","_type":"span","marks":[],"text":"If the eligibility criteria change, the rules used to determine whether a risk can proceed must reflect the new criteria. If a referral threshold changes, the referral rule needs to use the new threshold. Where new information is required to assess a risk, the relevant quotation questions and data fields also need to be updated."}],"markDefs":[],"style":"normal"},{"_key":"86b127794852","_type":"block","children":[{"_key":"c42b58407a520","_type":"span","marks":[],"text":"Underwriting guidance must also reflect the approved rules. For example, if the circumstances in which a risk must be referred change, the revised criteria should be reflected in the underwriting rules,"},{"_key":"8a327fa54bac","_type":"span","marks":["dbcbd033311b"],"text":" quotation process"},{"_key":"99561c521342","_type":"span","marks":[],"text":" and guidance so that the underwriting team has a defined basis for applying the change."}],"markDefs":[{"_key":"dbcbd033311b","_type":"externalLink","url":"https://www.cardinal.co.za/blog/insurance-broker-portal-quote-bind-improvement"}],"style":"normal"},{"_key":"837d7c22602c","_type":"block","children":[{"_key":"8d40866f846a0","_type":"span","marks":["strong"],"text":"How Can Product Changes Affect Policy Administration?"}],"markDefs":[],"style":"h2"},{"_key":"5df213328f42","_type":"block","children":[{"_key":"87a2166b02410","_type":"span","marks":[],"text":"Once a policy is issued, policy administration needs to retain and apply the product terms relevant to that policy."}],"markDefs":[],"style":"normal"},{"_key":"6534f3d76c88","_type":"block","children":[{"_key":"635fbfbe0c9d0","_type":"span","marks":[],"text":"The relevant product configuration must carry the applicable premium, excess, coverage, conditions and other policy terms into the policy record. The policy schedule and wording must also reflect those approved terms."}],"markDefs":[],"style":"normal"},{"_key":"ff75ec826749","_type":"block","children":[{"_key":"b709c934075c0","_type":"span","marks":[],"text":"Product changes can continue to affect a policy after it has been issued. An endorsement, adjustment or other "},{"_key":"a6e298bbdcaf","_type":"span","marks":["3df05957055d"],"text":"servicing transaction"},{"_key":"22c567c94f17","_type":"span","marks":[],"text":" needs to use the product rules that apply to that policy. This makes the policy version and relevant product information important when further changes are made."}],"markDefs":[{"_key":"3df05957055d","_type":"externalLink","url":"https://www.cardinal.co.za/blog/how-integrated-systems-help-insurers-service-policies-faster"}],"style":"normal"},{"_key":"23bc4286a605","_type":"block","children":[{"_key":"81ea736d16f40","_type":"span","marks":[],"text":"For example, if an excess has changed for new business but an existing policy remains subject to its original terms, a mid-term adjustment must use the correct excess for that policy rather than simply applying the latest product setting."}],"markDefs":[],"style":"normal"},{"_key":"4cfe7e001a96","_type":"block","children":[{"_key":"c9dca4e4c2720","_type":"span","marks":[],"text":"The policy record therefore needs to retain the information required to identify the applicable product rules throughout servicing."}],"markDefs":[],"style":"normal"},{"_key":"8ee344969048","_type":"block","children":[{"_key":"547e85c314a70","_type":"span","marks":["strong"],"text":"Why Does the Effective Date of a Product Change Matter?"}],"markDefs":[],"style":"h2"},{"_key":"1448dd80f3a0","_type":"block","children":[{"_key":"025ca2fda1ba0","_type":"span","marks":[],"text":"A product change needs a defined effective date because transactions can be at different stages when the new rules take effect."}],"markDefs":[],"style":"normal"},{"_key":"5ea8badc50b8","_type":"block","children":[{"_key":"807875a5a2d20","_type":"span","marks":[],"text":"A quotation may have started before the change but remains incomplete when the new rules become effective. A policy may be processed before the change but have a future start date. A renewal or endorsement may also occur after the effective date even though the original policy was created earlier."}],"markDefs":[],"style":"normal"},{"_key":"afb6953c780c","_type":"block","children":[{"_key":"4e5812625a860","_type":"span","marks":[],"text":"The insurer therefore needs a defined rule for determining which product version applies at each stage."}],"markDefs":[],"style":"normal"},{"_key":"ff2f23c65183","_type":"block","children":[{"_key":"74e4ebc3f6c40","_type":"span","marks":[],"text":"For example, if a new underwriting criterion becomes effective on 1 October, the insurer needs to establish whether a quotation started in September but completed in October is assessed under the previous or revised criterion."}],"markDefs":[],"style":"normal"},{"_key":"2a256eb7e0f0","_type":"block","children":[{"_key":"e04f41195dfd0","_type":"span","marks":[],"text":"The effective date therefore needs to provide a clear basis for determining which product version applies to each transaction."}],"markDefs":[],"style":"normal"},{"_key":"542d3b661ef1","_type":"block","children":[{"_key":"17c2a292059f0","_type":"span","marks":["strong"],"text":"How Should Existing Policies Be Treated When Rules Change?"}],"markDefs":[],"style":"h2"},{"_key":"ab2ee5352e53","_type":"block","children":[{"_key":"330d33e073a60","_type":"span","marks":[],"text":"Existing policies should generally continue under the product terms that applied when they were issued, unless the insurer's rules state that the change also applies to policies already in force."}],"markDefs":[],"style":"normal"},{"_key":"c880508bd255","_type":"block","children":[{"_key":"1999893f3edc0","_type":"span","marks":[],"text":"New business should use the revised product rules from the applicable effective date, while renewals and mid-term changes require a defined approach to determine which product version applies."}],"markDefs":[],"style":"normal"},{"_key":"79ecd209a97c","_type":"block","children":[{"_key":"3d172a39e0db0","_type":"span","marks":[],"text":"This treatment should be established as part of the product change rather than left for servicing teams to determine later. It also gives brokers and internal teams a clear basis for handling policies issued under an earlier product version."}],"markDefs":[],"style":"normal"},{"_key":"d1d3b29d645c","_type":"block","children":[{"_key":"7799bc1656ed0","_type":"span","marks":["strong"],"text":"What Controls Help Keep Product Rules Consistent?"}],"markDefs":[],"style":"h2"},{"_key":"01d732d39504","_type":"block","children":[{"_key":"6a4296d94e200","_type":"span","marks":[],"text":"A controlled product change starts with "},{"_key":"6f31af4d24d5","_type":"span","marks":["b97f672a6282"],"text":"clear ownership"},{"_key":"0ec8ef326177","_type":"span","marks":[],"text":". The product or business owner should confirm what is changing, which processes are affected and when the revised rules take effect."}],"markDefs":[{"_key":"b97f672a6282","_type":"externalLink","url":"https://www.cardinal.co.za/blog/workflow-clarity-before-scaling-insurance-operations"}],"style":"normal"},{"_key":"b3fbb223bab3","_type":"block","children":[{"_key":"5b87fb98d6280","_type":"span","marks":[],"text":"The approved change should then be translated into the relevant "},{"_key":"a5961e8f1388","_type":"span","marks":["4077b60bf7bf"],"text":"insurance product configuration"},{"_key":"445528f46bc9","_type":"span","marks":[],"text":", underwriting rules, policy administration settings, documentation and operational instructions."}],"markDefs":[{"_key":"4077b60bf7bf","_type":"externalLink","url":"https://www.cardinal.co.za/products/c360/"}],"style":"normal"},{"_key":"73e477a53cce","_type":"block","children":[{"_key":"f4b073230e210","_type":"span","marks":[],"text":"Testing should cover the areas affected by the change. Depending on the product, this may include:"}],"markDefs":[],"style":"normal"},{"_key":"2af7caa678f1","_type":"block","children":[{"_key":"cc06475af2bc0","_type":"span","marks":[],"text":"rating and premium calculations"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"6617d2c09bf8","_type":"block","children":[{"_key":"8017e5a374050","_type":"span","marks":[],"text":"underwriting criteria and referral rules"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"3e7f8659e014","_type":"block","children":[{"_key":"226363d04f390","_type":"span","marks":[],"text":"excesses and coverage conditions"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"8ea751bd72c0","_type":"block","children":[{"_key":"4c52af43cc5a0","_type":"span","marks":[],"text":"policy setup"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"62dd2df2d3c1","_type":"block","children":[{"_key":"2c2e5641aab70","_type":"span","marks":[],"text":"policy schedules and wording"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"b0ce3d9e6a5e","_type":"block","children":[{"_key":"e7720d5bb9750","_type":"span","marks":[],"text":"renewals and servicing transactions"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"ae984e9c0279","_type":"block","children":[{"_key":"9cd53899f4cc0","_type":"span","marks":[],"text":"The results should be checked against the approved product specification before release. Any difference between the approved rules and the configured product should be resolved before the change is used for new transactions."}],"markDefs":[],"style":"normal"},{"_key":"b6cf1ef5452b","_type":"block","children":[{"_key":"a04edd27ef140","_type":"span","marks":[],"text":"Change records should also identify the effective date and product version so that teams can establish which rules apply to a transaction or policy."}],"markDefs":[],"style":"normal"},{"_key":"6a9794714de9","_type":"block","children":[{"_key":"fc23593154a90","_type":"span","marks":["strong"],"text":"Conclusion"}],"markDefs":[],"style":"h2"},{"_key":"3a72a163ec05","_type":"block","children":[{"_key":"4dbae16475cb0","_type":"span","marks":[],"text":"Product changes rarely affect one part of an insurance operation in isolation. A change to a rate, underwriting criterion, excess or policy condition can have implications from quotation through to policy servicing."}],"markDefs":[],"style":"normal"},{"_key":"970d9ae7ae22","_type":"block","children":[{"_key":"1e2daeac31bd0","_type":"span","marks":[],"text":"Managing these dependencies through clear effective dates, product versioning and consistent rules helps insurers reduce discrepancies, avoid unnecessary policy corrections and ensure that the product approved by the business is the product ultimately applied."}],"markDefs":[],"style":"normal"},{"_key":"b9e0593b36f9","_type":"block","children":[{"_key":"005b83f18e200","_type":"span","marks":[],"text":"\n"}],"markDefs":[],"style":"normal"},{"_key":"27acc95de412","_type":"block","children":[{"_key":"ff9356d716090","_type":"span","marks":["strong"],"text":"FAQs"}],"markDefs":[],"style":"h2"},{"_key":"f10c9294f196","_type":"block","children":[{"_key":"6a63e7f33fb80","_type":"span","marks":["strong"],"text":"What are insurance product rules?"}],"markDefs":[],"style":"normal"},{"_key":"91169de80521","_type":"block","children":[{"_key":"ae1700b5a2320","_type":"span","marks":[],"text":"Insurance product rules define how a product is assessed, priced, issued and administered. They can include rating rules, underwriting criteria, referral thresholds, excesses, coverage conditions and policy wording."}],"markDefs":[],"style":"normal"},{"_key":"1e8dae09dd82","_type":"block","children":[{"_key":"e080f0a02f190","_type":"span","marks":["strong"],"text":"How do product changes affect underwriting?"}],"markDefs":[],"style":"normal"},{"_key":"d207928f5bbd","_type":"block","children":[{"_key":"1fa96e029bd60","_type":"span","marks":[],"text":"Product changes can alter the criteria used to assess risks, the questions asked during quotation or the circumstances that require referral. The relevant underwriting rules and guidance need to reflect the approved change."}],"markDefs":[],"style":"normal"},{"_key":"258397ebf4e6","_type":"block","children":[{"_key":"bb6770584c0d0","_type":"span","marks":["strong"],"text":"Why must underwriting and policy administration rules remain aligned?"}],"markDefs":[],"style":"normal"},{"_key":"c449faf698b2","_type":"block","children":[{"_key":"2aa9c1601cb70","_type":"span","marks":[],"text":"Both functions need to apply the same approved product terms at the relevant stage of the policy lifecycle. If they use different product rules, the premium, risk assessment or policy documentation may not match the intended product."}],"markDefs":[],"style":"normal"},{"_key":"1e9c20978a8b","_type":"block","children":[{"_key":"abba129b176d0","_type":"span","marks":["strong"],"text":"Why is the effective date important for an insurance product change?"}],"markDefs":[],"style":"normal"},{"_key":"e6fa5c8cbe0a","_type":"block","children":[{"_key":"319efe450e8a0","_type":"span","marks":[],"text":"The effective date establishes when the revised rules apply. 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