Insurance Services
General Insurance Services
Policy API for Specific Scenarios
Out of Sequence Endorsement
Concept
An “out of sequence endorsement” (OOS endorsement) is a modification to an insurance policy that is issued out of sequence with previous endorsements. It is typically used to make corrections or amendments to the policy that may have been overlooked or to apply changes that were intended to be effective from an earlier date.
In most cases, new endorsements are issued sequentially in response to client requests. However, in some special scenarios, this type of endorsement is required for ensuring that the policy accurately reflects the agreed-upon terms between the insurer and the insured, even when the change is being applied after the fact.
Premium Impact
Out-of-Sequence (OOS) endorsements are a significant operational risk in insurance, particularly for policies where premium calculations are not independent but are sequential and cumulative.
The core of the problem lies in how premium is stored and calculated. In many policy administration systems, the policy’s premium is not simply recalculated from scratch with every change. Instead, the system holds a “current” premium amount. When a new endorsement is processed, the system calculates the premium differencecaused by that specific change and applies it to the current premium to arrive at a new total. This sequential, delta-based calculation is efficient but fragile.
An OOS endorsement with an effective date in the past interrupts this sequence. It forces the system to “rewind” the policy’s history to a point before the most recent transactions, apply the change, and then “fast-forward” again, recalculating all subsequent endorsements. This reprocessing can lead to cascading changes in premium calculations for all endorsements that came after the OOS effective date. The result is often a different final premium than what was originally calculated, creating financial discrepancies, reconciliation headaches, and potential compliance issues.
For examples of specific detail scenarios, users can consult any LLM for illustration.
Platform Implementation
Principle
The principle of our OOS solution is to support ordinatory administrative out-of-sequence endorsement while those premium involved OOS endorsement still requires user to manually operate.
Scenario
Normally, we would suggest all endorsement to be made with effective date to be sequential order.
| Endo ID | Endorsement Type | Creation Date | Effective Date | Policy Version |
|---|---|---|---|---|
| 1 | Basic Information | 1/1/2024 | 1/1/2024 | 1 |
| 2 | Basic Information | 3/1/2024 | 3/1/2024 | 2 |
| 3 | Basic Information | 5/1/2024 | 6/1/2024 | 3 |
For example, a new endorsement requested on 5/2/2024 would typically have an effective date of 6/1/2024 and cannot be backdated, unless an Out-of-Sequence (OOS) endorsement is used.
However, if the client requires the endorsement to be effective from 5/1/2024, an out-of-sequence (OOS) endorsement needs to be applied, otherwise client requirement cannot be fulfilled.
System Implementation
For example, there’s a new endorsement 4 to be conducted. As its effective date starts from 5/1/2024, the new policy in the API body should follow endorsement 2 instead of endorsement 3 to finish the transaction flow.
Upon issuance of endorsement 4, the system will automatically merge the policy changes from this endorsement with the policy version after endorsement 3, ensuring that it reflects the latest updates across all endorsements.
Users need to pay special attention that solution involves “merging changes” for endorsement 3, similar to how traditional solutions use an “undo and redo” approach for the same endorsement.
Below is a diagram to depict such change.
| Endo ID | Endorsement Type | Creation Date | Effective Date | Policy Version | Action |
|---|---|---|---|---|---|
| 1 | Basic Information | 1/1/2024 | 1/1/2024 | 1 | - |
| 2 | Basic Information | 3/1/2024 | 3/1/2024 | 2 | - |
| 4 | Basic Information - OOS | 5/2/2024 | 5/1/2024 | 4 without change in 3 | New policy must start from policy after endo 2 |
| 3 | Basic Information | 5/1/2024 | 6/1/2024 | 3 -> 5 including 4 | Auto merge policy change from endo 4 |
After OOS endorsement is done, if users query back endorsement 3, they will see both change in 3 + 4, rather than the changes from endorsement 3 alone. Therefore, it is suggested that endorsement content should be provided so that users can trace the actual changes made in endorsement 3.
Limitation
During OOS endorsement validation, the system will ensure that the changes in the OOS endorsement do not conflict with those in the latest endorsement. There are two validations:
- Field Scope
Only certain fields are allowed for OOS endorsement. It must be pre-defined in the data table - OOSEndoAllowedFields.
- Field Not Change for Both Endorsements
If certain fields are modified in both endorsements, the system will reject out-of-sequence (OOS) endorsements. If both endorsements impact the premium—thereby changing the DuePremium field， then OOS endorsements will also be rejected.
For use cases that do not satisfy both criteria, users still must manually to undo the latest endorsement and manually to add OOS endorsement and redo the latest endorsement.
Version Consideration
This feature is only introduced with InsureMO GI version 24.02. All existing tenants onboarded before 24.02 release will not allow OOS and only new onboarded tenants will have it switch-on.
If you are an existing tenant and would like to try this feature, you can contact the InsureMO support team for help.
API Sample
We take API "{{server}}/endo/core/endo/v1/submitEndorsement" to show the request and response.
| Version No | Operation Scenario | Effective Date(yyyy-mm-dd) | Expiry Date |
|---|---|---|---|
| 1 | New Business | 2024-06-12 | 2025-06-12 |
| 2 | 1st Endorsement, update the main coverage suminsured. | 2024-09-17 | - |
| 3 | 2nd Endorsement, update the delivery address of policy. | 2024-08-18 | - |
| 4 | 3rd Endorsement, add the 2nd delivery address of policy. | 2024-07-19 | - |
NB
Policy Sample
{
"AdjustedPremium": 1004.4,
"AgentCode": "PTY10000000113007",
"AnnualPremium": 930,
"AutoUwResultCode": "1",
"BeforeVatPremium": 930,
"BookCurrencyCode": "USD",
"BusinessCateCode": "1",
"BusinessObjectId": 3517051304219,
"Commission": 279,
"CommissionRate": 0.3,
"DuePremium": 1004.4,
"EffectiveDate": "2024-06-12",
"ExpiryDate": "2025-06-12",
"FirstDataEntryDate": "2024-06-19T16:52:01",
"GrossPremium": 1004.4,
"InterestRate": 0.05,
"IsPremiumCalcSuccess": "Y",
"IsRenewable": "Y",
"IsTakeUpPolicy": "N",
"IssueDate": "2024-06-19T16:52:02",
"IssueUserId": 10000000221001,
"IssueUserRealName": "xxxxxx.xxxx@insuremo.com",
"IssueUserStaffCode": "",
"LocalCurrencyCode": "USD",
"MaxUwLevelCode": "0",
"OrgCode": "10002",
"POIRate": 1,
"PolicyDeliveryAddressList": [
{
"Address": "Address1",
"BusinessObjectId": -1100000235,
"ParentElementType": "POLICY",
"ParentPolicyElementId": 24310402801,
"PolicyElementId": 24310402807,
"PolicyId": "24310402801,2A6A3408581429B6AC37DBE2B45CB41A",
"PolicyStatus": 2,
"PostCode": "210012",
"Recipient": "Recipient1",
"SequenceNumber": 1
}
],
"PolicyElementId": 24310402801,
"PolicyId": "24310402801,2A6A3408581429B6AC37DBE2B45CB41A",
"PolicyLobList": [
{
"AdjustedPremium": 1004.4,
"BeforeVatPremium": 930,
"BusinessObjectId": 351861068,
"DuePremium": 1004.4,
"GrossPremium": 1004.4,
"ParentElementType": "POLICY",
"ParentPolicyElementId": 24310402801,
"PolicyElementId": 24310402809,
"PolicyId": "24310402801,2A6A3408581429B6AC37DBE2B45CB41A",
"PolicyRiskList": [
{
"AdjustedPremium": 1004.4,
"Age": 35,
"BeforeVatPremium": 930,
"BusinessObjectId": 351861075,
"CustomerName": "Customer",
"DateOfBirth": "1988-10-01",
"DuePremium": 1004.4,
"GrossPremium": 1004.4,
"IdNo": "IdNo",
"IdType": "1",
"ParentElementType": "POLICY_LOB",
"ParentPolicyElementId": 24310402809,
"PolicyCoverageList": [
{
"AdjustedPremium": 972,
"AnnualPremium": 900,
"BeforeVatPremium": 900,
"BusinessObjectId": 351861078,
"CoverageName": "Accident Death & Dismemberment",
"DuePremium": 972,
"GrossPremium": 972,
"IsFinalLevelCt": "Y",
"ParentElementType": "INSURED",
"ParentPolicyElementId": 24310402811,
"PolicyElementId": 24310402813,
"PolicyId": "24310402801,2A6A3408581429B6AC37DBE2B45CB41A",
"PolicyStatus": 2,
"ProductElementCode": "C100416",
"ProductElementId": 351926024,
"SequenceNumber": 1,
"SumInsured": 300000,
"Vat": 72
},
.....skip....
],
"PolicyElementId": 24310402811,
"PolicyId": "24310402801,2A6A3408581429B6AC37DBE2B45CB41A",
"PolicyStatus": 2,
"ProductElementCode": "R10007",
"ProductElementId": 351926021,
"RiskName": "InsuredName",
"SequenceNumber": 1,
"SumInsured": 900000,
"Vat": 74.4,
"TempData": {
"Mask-IdNo": "Jmf1vghdrScrTdpdeyKu7w==",
"IdNo": "Jmf1vghdrScrTdpdeyKu7w==",
"MaskAfter-IdNo": "IdNo"
}
}
],
"PolicyStatus": 2,
"ProductCode": "TBTI",
"ProductElementCode": "TBTI",
"ProductElementId": 351925023,
"ProductId": 351925022,
"ProductLobId": 351925023,
"SequenceNumber": 1,
"SumInsured": 900000,
"TechProductCode": "TR_POC",
"TechProductId": 3516410623456,
"TotalInsuredCount": 1,
"Vat": 74.4
}
],
"PolicyNo": "POTBTI00026506",
"PolicyStatus": 2,
"PolicyType": "1",
"PremCalcFactorHash": "20240619_165156_804,jPZmpBS/1RsCdmM8AisYGPxGdCOW0oQQKRQyz/0q0es=",
"PremCalcResultHash": "20240619_165156_949,l3WBRsE1/UtH3dRVl65KQSujzZjrgkkmdgOkvY9sCpE=",
"PremiumBookExchangeRate": 1,
"PremiumCurrencyCode": "USD",
"PremiumInterest": 46.5,
"PremiumLocalExchangeRate": 1,
"ProductCode": "TBTI",
"ProductId": 351925022,
"ProductVersion": "1.0",
"ProposalDate": "2022-03-22",
"ProposalNo": "PTBTI-202406-0000001106",
"ProposalStatus": "3",
"QuotationDate": "2024-06-19T16:52:01",
"SchemaVersion": 2,
"ShortRateType": "1",
"SumInsured": 900000,
"TaxInterest": 3.72,
"TechProductCode": "TR_POC",
"TechProductId": 3516410623456,
"TotalInterest": 50.22,
"TotalPremium": 1054.62,
"Vat": 74.4,
"VatRate": 0.08,
"VersionSeq": 1
}ENDO 1st
ENDO 1st - Scenario Data Details
-
EndoDate1 = 2024-09-17(yyyy-mm-dd)
-
Newpolicy is updated based on the NB issued policy, update the C100416 coverage’s Suminsured from 300000 to 500000.
"PolicyCoverageList": [
{
"AdjustedPremium": 972,
"AnnualPremium": 900,
"BeforeVatPremium": 900,
"BusinessObjectId": 351861078,
"CoverageName": "Accident Death & Dismemberment",
"DuePremium": 972,
"GrossPremium": 972,
"IsFinalLevelCt": "Y",
"ParentElementType": "INSURED",
"ParentPolicyElementId": 24310402811,
"PolicyElementId": 24310402813,
"PolicyId": "24310402801,2A6A3408581429B6AC37DBE2B45CB41A",
"PolicyStatus": 2,
"ProductElementCode": "C100416",
"ProductElementId": 351926024,
"SequenceNumber": 1,
"SumInsured": 500000, //300000
"Vat": 72
},ENDO 1st - Request Sample
{
"EndoEffectiveDate": "{{EndoDate1}}",
"EndoType": 1,
"SubEndoType": "12",
"NewPolicy": {{newpolicy}},
"PolicyNo": "{{PolicyNo}}",
"ProductCode": "TBTI",
"ProductId": 351925022,
"IsAdminChange": "N"
}ENDO 1st - Response Sample
{
"AdjustedPremium": 441,
"AfterRevisionId": 24310412801,
"AgentCode": "PTY10000000113007",
"ApplyDate": "2024-06-19T16:52:37",
"BeforeRevisionId": 24310402831,
"BeforeVatPremium": 441,
"BusinessObjectId": 300243915,
"Commission": 132.3,
"CommissionRate": 0.3,
"DataEntryUserId": 10000000221001,
"DataEntryUserRealName": "xxxxxx.xxxx@insuremo.com",
"DataEntryUserStaffCode": "",
"DuePremium": 476.28,
"EndoEffectiveDate": "2024-09-17",
"EndoId": "24310412802,F2C2543EF77593E1825FE7021FD2DE05",
"EndoNo": "POTBTI00026506-001",
"EndoStatus": "300",
"EndoType": "1",
"EntryOperId": 10000000221001,
"GrossPremium": 441,
"IndexNumber": 0,
"IsAdminChange": "N",
"IsLockedByRi": "N",
"IsOOSCase": "N",
"IssueDate": "2024-06-19T16:52:42",
"IssueUserId": 10000000221001,
"IssueUserRealName": "xxxxxx.xxxx@insuremo.com",
"IssueUserStaffCode": "",
"NewPolicy": {
"AdjustedPremium": 1445.4,
"AdjustedPremiumDelta": 441,
"AgentCode": "PTY10000000113007",
"AnnualPremium": 1530,
"AutoUwResultCode": "1",
"BeforeVatPremium": 1371,
"BeforeVatPremiumDelta": 441,
"BookCurrencyCode": "USD",
"BusinessCateCode": "1",
"BusinessObjectId": 3517051304219,
"Commission": 411.3,
"CommissionDelta": 132.3,
"CommissionRate": 0.3,
"DuePremium": 1480.68,
"DuePremiumDelta": 476.28,
"EffectiveDate": "2024-06-12",
"ExpiryDate": "2025-06-12",
"FirstDataEntryDate": "2024-06-19T16:52:01",
"GrossPremium": 1445.4,
"GrossPremiumDelta": 441,
"InterestRate": 0.05,
"IsPremiumCalcSuccess": "Y",
"IsRenewable": "Y",
"IsTakeUpPolicy": "N",
"IssueDate": "2024-06-19T16:52:02",
"IssueUserId": 10000000221001,
"IssueUserRealName": "xxxxxx.xxxx@insuremo.com",
"IssueUserStaffCode": "",
"LocalCurrencyCode": "USD",
"MaxUwLevelCode": "0",
"OrgCode": "10002",
"POIRate": 1,
"PolicyDeliveryAddressList": [
{
"Address": "Address1",
"BusinessObjectId": -1100000235,
"ParentElementType": "POLICY",
"ParentPolicyElementId": 24310402801,
"PolicyElementId": 24310402807,
"PolicyId": "24310402801,2A6A3408581429B6AC37DBE2B45CB41A",
"PolicyStatus": 2,
"PostCode": "210012",
"Recipient": "Recipient1",
"SequenceNumber": 1
}
],
"PolicyElementId": 24310402801,
"PolicyId": "24310402801,2A6A3408581429B6AC37DBE2B45CB41A",
"PolicyLobList": [
{
"AdjustedPremium": 1445.4,
"AdjustedPremiumDelta": 441,
"BeforeVatPremium": 1371,
"BeforeVatPremiumDelta": 441,
"BusinessObjectId": 351861068,
"Commission": 132.3,
"CommissionDelta": 132.3,
"DuePremium": 1480.68,
"DuePremiumDelta": 476.28,
"GrossPremium": 1445.4,
"GrossPremiumDelta": 441,
"ParentElementType": "POLICY",
"ParentPolicyElementId": 24310402801,
"PolicyElementId": 24310402809,
"PolicyId": "24310402801,2A6A3408581429B6AC37DBE2B45CB41A",
"PolicyRiskList": [
{
"AdjustedPremium": 1445.4,
"AdjustedPremiumDelta": 441,
"Age": 35,
"BeforeVatPremium": 1371,
"BeforeVatPremiumDelta": 441,
"BusinessObjectId": 351861075,
"Commission": 132.3,
"CommissionDelta": 132.3,
"CustomerName": "Customer",
"DateOfBirth": "1988-10-01",
"DuePremium": 1480.68,
"DuePremiumDelta": 476.28,
"GrossPremium": 1445.4,
"GrossPremiumDelta": 441,
"IdNo": "IdNo",
"IdType": "1",
"ParentElementType": "POLICY_LOB",
"ParentPolicyElementId": 24310402809,
"PolicyCoverageList": [
{
"AdjustedPremium": 1413,
"AdjustedPremiumDelta": 441,
"AnnualPremium": 1500,
"BeforeVatPremium": 1341,
"BeforeVatPremiumDelta": 441,
"BusinessObjectId": 351861078,
"Commission": 132.3,
"CommissionDelta": 132.3,
"CoverageName": "Accident Death & Dismemberment",
"DuePremium": 1448.28,
"DuePremiumDelta": 476.28,
"GrossPremium": 1413,
"GrossPremiumDelta": 441,
"IsFinalLevelCt": "Y",
"ParentElementType": "INSURED",
"ParentPolicyElementId": 24310402811,
"PolicyElementId": 24310402813,
"PolicyId": "24310402801,2A6A3408581429B6AC37DBE2B45CB41A",
"PolicyStatus": 2,
"ProductElementCode": "C100416",
"ProductElementId": 351926024,
"SequenceNumber": 1,
"ShortRate": 0.735,
"SumInsured": 500000,
"SumInsuredDelta": 200000,
"TempData": {},
"Vat": 107.28,
"VatDelta": 35.28
},
.....skip....
],
"PolicyElementId": 24310402811,
"PolicyId": "24310402801,2A6A3408581429B6AC37DBE2B45CB41A",
"PolicyStatus": 2,
"ProductElementCode": "R10007",
"ProductElementId": 351926021,
"RiskName": "InsuredName",
"SequenceNumber": 1,
"SumInsured": 1100000,
"SumInsuredDelta": 200000,
"TempData": {
"Mask-IdNo": "Jmf1vghdrScrTdpdeyKu7w==",
"IdNo": "Jmf1vghdrScrTdpdeyKu7w==",
"MaskAfter-IdNo": "IdNo"
},
"Vat": 109.68,
"VatDelta": 35.28
}
],
"PolicyStatus": 2,
"ProductCode": "TBTI",
"ProductElementCode": "TBTI",
"ProductElementId": 351925023,
"ProductId": 351925022,
"ProductLobId": 351925023,
"SequenceNumber": 1,
"SumInsured": 1100000,
"SumInsuredDelta": 200000,
"TechProductCode": "TR_POC",
"TechProductId": 3516410623456,
"TempData": {},
"TotalInsuredCount": 1,
"Vat": 109.68,
"VatDelta": 35.28
}
],
"PolicyNo": "POTBTI00026506",
"PolicyStatus": 2,
"PolicyType": "1",
"PremCalcFactorHash": "20240619_165240_961,U7tbzqAby85O70F0DATerflx35WBNvPOdyRe6bVvM1U=",
"PremCalcResultHash": "20240619_165241_008,9EoJCT7IbKUjMwlCjREVzQ4oiG79KmIC2bWuFpZoeEM=",
"PremiumBookExchangeRate": 1,
"PremiumCurrencyCode": "USD",
"PremiumInterest": 68.55,
"PremiumLocalExchangeRate": 1,
"ProductCode": "TBTI",
"ProductId": 351925022,
"ProductVersion": "1.0",
"ProposalDate": "2022-03-22",
"ProposalNo": "PTBTI-202406-0000001106",
"ProposalStatus": "3",
"QuotationDate": "2024-06-19T16:52:01",
"SchemaVersion": 2,
"ShortRateType": "1",
"SumInsured": 1100000,
"SumInsuredDelta": 200000,
"TaxInterest": 5.48,
"TechProductCode": "TR_POC",
"TechProductId": 3516410623456,
"TempData": {},
"TotalInterest": 74.03,
"TotalPremium": 1554.71,
"Vat": 109.68,
"VatDelta": 35.28,
"VatRate": 0.08,
"VersionSeq": 1
},
"OldPolicy": {
// the nb issued policy
}ENDO 2nd
ENDO 2nd - Scenario Data Details
-
EndoDate2 = 2024-08-18(yyyy-mm-dd)
-
Newpolicy is updated based on the NB issued policy, update the address from ”Address1” to ”Address1 ENDO2“.
"PolicyDeliveryAddressList": [
{
"Address": "Address1 ENDO2", //Address1
"BusinessObjectId": -1100000235,
"ParentElementType": "POLICY",
"ParentPolicyElementId": 24310402801,
"PolicyElementId": 24310402807,
"PolicyId": "24310402801,2A6A3408581429B6AC37DBE2B45CB41A",
"PolicyStatus": 2,
"PostCode": "210012",
"Recipient": "Recipient1",
"SequenceNumber": 1
}
],ENDO 2nd - Request Sample
{
"EndoEffectiveDate": "{{EndoDate2}}",
"EndoType": 1,
"SubEndoType": "12",
"NewPolicy": {{newpolicyendo2}},
"PolicyNo": "{{PolicyNo}}",
"ProductCode": "TBTI",
"ProductId": 351925022,
"IsAdminChange": "Y"
}ENDO 2nd - Response Sample
{
"AdjustedPremium": 0,
"AfterRevisionId": 24310422801,
"AgentCode": "PTY10000000113007",
"ApplyDate": "2024-06-19T16:52:55",
"BeforeRevisionId": 24310402831,
"BeforeVatPremium": 0,
"BusinessObjectId": 300243915,
"Commission": 0,
"CommissionRate": 0.3,
"DataEntryUserId": 10000000221001,
"DataEntryUserRealName": "xxxxxx.xxxx@insuremo.com",
"DataEntryUserStaffCode": "",
"DuePremium": 0,
"EndoEffectiveDate": "2024-08-18",
"EndoId": "24310392802,BA1E1F561F2035101D1F0F78C1984959",
"EndoNo": "POTBTI00026506-002",
"EndoStatus": "300",
"EndoType": "1",
"EntryOperId": 10000000221001,
"GrossPremium": 0,
"IndexNumber": 0,
"IsAdminChange": "Y",
"IsLockedByRi": "N",
"IsOOSCase": "Y",
"IssueDate": "2024-06-19T16:53:10",
"IssueUserId": 10000000221001,
"IssueUserRealName": "xxxxxx.xxxx@insuremo.com",
"IssueUserStaffCode": "",
"NewPolicy": {
"AdjustedPremium": 1004.4,
"AdjustedPremiumDelta": 0,
"AgentCode": "PTY10000000113007",
"AnnualPremium": 930,
"AutoUwResultCode": "1",
"BeforeVatPremium": 930,
"BeforeVatPremiumDelta": 0,
"BookCurrencyCode": "USD",
"BusinessCateCode": "1",
"BusinessObjectId": 3517051304219,
"Commission": 279,
"CommissionDelta": 0,
"CommissionRate": 0.3,
"DuePremium": 1004.4,
"DuePremiumDelta": 0,
"EffectiveDate": "2024-06-12",
"ExpiryDate": "2025-06-12",
"FirstDataEntryDate": "2024-06-19T16:52:01",
"GrossPremium": 1004.4,
"GrossPremiumDelta": 0,
"InterestRate": 0.05,
"IsPremiumCalcSuccess": "Y",
"IsRenewable": "Y",
"IsTakeUpPolicy": "N",
"IssueDate": "2024-06-19T16:52:02",
"IssueUserId": 10000000221001,
"IssueUserRealName": "xxxxxx.xxxx@insuremo.com",
"IssueUserStaffCode": "",
"LocalCurrencyCode": "USD",
"MaxUwLevelCode": "0",
"OrgCode": "10002",
"POIRate": 1,
"PolicyDeliveryAddressList": [
{
"Address": "Address1 ENDO2",
"BusinessObjectId": -1100000235,
"ParentElementType": "POLICY",
"ParentPolicyElementId": 24310402801,
"PolicyElementId": 24310402807,
"PolicyId": "24310402801,2A6A3408581429B6AC37DBE2B45CB41A",
"PolicyStatus": 2,
"PostCode": "210012",
"Recipient": "Recipient1",
"SequenceNumber": 1
}
],
"PolicyElementId": 24310402801,
"PolicyId": "24310402801,2A6A3408581429B6AC37DBE2B45CB41A",
"PolicyLobList": [
{
"AdjustedPremium": 1004.4,
"AdjustedPremiumDelta": 0,
"BeforeVatPremium": 930,
"BeforeVatPremiumDelta": 0,
"BusinessObjectId": 351861068,
"Commission": 0,
"CommissionDelta": 0,
"DuePremium": 1004.4,
"DuePremiumDelta": 0,
"GrossPremium": 1004.4,
"GrossPremiumDelta": 0,
"ParentElementType": "POLICY",
"ParentPolicyElementId": 24310402801,
"PolicyElementId": 24310402809,
"PolicyId": "24310402801,2A6A3408581429B6AC37DBE2B45CB41A",
"PolicyRiskList": [
{
"AdjustedPremium": 1004.4,
"AdjustedPremiumDelta": 0,
"Age": 35,
"BeforeVatPremium": 930,
"BeforeVatPremiumDelta": 0,
"BusinessObjectId": 351861075,
"Commission": 0,
"CommissionDelta": 0,
"CustomerName": "Customer",
"DateOfBirth": "1988-10-01",
"DuePremium": 1004.4,
"DuePremiumDelta": 0,
"GrossPremium": 1004.4,
"GrossPremiumDelta": 0,
"IdNo": "IdNo",
"IdType": "1",
"ParentElementType": "POLICY_LOB",
"ParentPolicyElementId": 24310402809,
"PolicyCoverageList": [
{
"AdjustedPremium": 972,
"AdjustedPremiumDelta": 0,
"AnnualPremium": 900,
"BeforeVatPremium": 900,
"BeforeVatPremiumDelta": 0,
"BusinessObjectId": 351861078,
"Commission": 0,
"CommissionDelta": 0,
"CoverageName": "Accident Death & Dismemberment",
"DuePremium": 972,
"DuePremiumDelta": 0,
"GrossPremium": 972,
"GrossPremiumDelta": 0,
"IsFinalLevelCt": "Y",
"ParentElementType": "INSURED",
"ParentPolicyElementId": 24310402811,
"PolicyElementId": 24310402813,
"PolicyId": "24310402801,2A6A3408581429B6AC37DBE2B45CB41A",
"PolicyStatus": 2,
"ProductElementCode": "C100416",
"ProductElementId": 351926024,
"SequenceNumber": 1,
"ShortRate": 0,
"SumInsured": 300000,
"SumInsuredDelta": 0,
"TempData": {},
"Vat": 72,
"VatDelta": 0
},
.....skip....
],
"PolicyElementId": 24310402811,
"PolicyId": "24310402801,2A6A3408581429B6AC37DBE2B45CB41A",
"PolicyStatus": 2,
"ProductElementCode": "R10007",
"ProductElementId": 351926021,
"RiskName": "InsuredName",
"SequenceNumber": 1,
"SumInsured": 900000,
"SumInsuredDelta": 0,
"TempData": {
"Mask-IdNo": "Jmf1vghdrScrTdpdeyKu7w==",
"IdNo": "Jmf1vghdrScrTdpdeyKu7w==",
"MaskAfter-IdNo": "IdNo"
},
"Vat": 74.4,
"VatDelta": 0
}
],
"PolicyStatus": 2,
"ProductCode": "TBTI",
"ProductElementCode": "TBTI",
"ProductElementId": 351925023,
"ProductId": 351925022,
"ProductLobId": 351925023,
"SequenceNumber": 1,
"SumInsured": 900000,
"SumInsuredDelta": 0,
"TechProductCode": "TR_POC",
"TechProductId": 3516410623456,
"TempData": {},
"TotalInsuredCount": 1,
"Vat": 74.4,
"VatDelta": 0
}
],
"PolicyNo": "POTBTI00026506",
"PolicyStatus": 2,
"PolicyType": "1",
"PremCalcFactorHash": "20240619_165156_804,jPZmpBS/1RsCdmM8AisYGPxGdCOW0oQQKRQyz/0q0es=",
"PremCalcResultHash": "20240619_165156_949,l3WBRsE1/UtH3dRVl65KQSujzZjrgkkmdgOkvY9sCpE=",
"PremiumBookExchangeRate": 1,
"PremiumCurrencyCode": "USD",
"PremiumInterest": 46.5,
"PremiumLocalExchangeRate": 1,
"ProductCode": "TBTI",
"ProductId": 351925022,
"ProductVersion": "1.0",
"ProposalDate": "2022-03-22",
"ProposalNo": "PTBTI-202406-0000001106",
"ProposalStatus": "3",
"QuotationDate": "2024-06-19T16:52:01",
"SchemaVersion": 2,
"ShortRateType": "1",
"SumInsured": 900000,
"SumInsuredDelta": 0,
"TaxInterest": 3.72,
"TechProductCode": "TR_POC",
"TechProductId": 3516410623456,
"TempData": {},
"TotalInterest": 50.22,
"TotalPremium": 1054.62,
"Vat": 74.4,
"VatDelta": 0,
"VatRate": 0.08,
"VersionSeq": 3
},
"OldPolicy": {
// the nb issued policy
}ENDO 3rd
ENDO 3rd - Scenario Data Details
-
EndoDate2 = 2024-07-19(yyyy-mm-dd)
-
Newpolicy is updated based on the NB issued policy, add a new address from.
From ,
"PolicyDeliveryAddressList": [
{
"Address": "Address1",
"BusinessObjectId": -1100000235,
"ParentElementType": "POLICY",
"ParentPolicyElementId": 24310402801,
"PolicyElementId": 24310402807,
"PolicyId": "24310402801,2A6A3408581429B6AC37DBE2B45CB41A",
"PolicyStatus": 2,
"PostCode": "210012",
"Recipient": "Recipient1",
"SequenceNumber": 1
}
],To,
"PolicyDeliveryAddressList": [
{
"Address": "Address1",
"BusinessObjectId": -1100000235,
"ParentElementType": "POLICY",
"ParentPolicyElementId": 24310402801,
"PolicyElementId": 24310402807,
"PolicyId": "24310402801,2A6A3408581429B6AC37DBE2B45CB41A",
"PolicyStatus": 2,
"PostCode": "210012",
"Recipient": "Recipient1",
"SequenceNumber": 1
},
{
"Address": "Address2 New added ENDO3",
"PostCode": "2100122",
"Recipient": "Recipient2"
}
],ENDO 3rd - Request Sample
{
"EndoEffectiveDate": "{{EndoDate3}}",
"EndoType": 1,
"SubEndoType": "12",
"NewPolicy": {{newpolicyendo3}},
"PolicyNo": "{{PolicyNo}}",
"ProductCode": "TBTI",
"ProductId": 351925022,
"IsAdminChange": "Y"
}ENDO 3rd - Response Sample
{
"AdjustedPremium": 0,
"AfterRevisionId": 24310422816,
"AgentCode": "PTY10000000113007",
"ApplyDate": "2024-06-19T16:53:19",
"BeforeRevisionId": 24310402831,
"BeforeVatPremium": 0,
"BusinessObjectId": 300243915,
"Commission": 0,
"CommissionRate": 0.3,
"DataEntryUserId": 10000000221001,
"DataEntryUserRealName": "xxxxxx.xxxx@insuremo.com",
"DataEntryUserStaffCode": "",
"DuePremium": 0,
"EndoEffectiveDate": "2024-07-19",
"EndoId": "24310422815,416ECD38AF6524B41F507D132BFA62FF",
"EndoNo": "POTBTI00026506-003",
"EndoStatus": "300",
"EndoType": "1",
"EntryOperId": 10000000221001,
"GrossPremium": 0,
"IndexNumber": 0,
"IsAdminChange": "Y",
"IsLockedByRi": "N",
"IsOOSCase": "Y",
"IssueDate": "2024-06-19T16:53:20",
"IssueUserId": 10000000221001,
"IssueUserRealName": "xxxxxx.xxxx@insuremo.com",
"IssueUserStaffCode": "",
"NewPolicy": {
"AdjustedPremium": 1004.4,
"AdjustedPremiumDelta": 0,
"AgentCode": "PTY10000000113007",
"AnnualPremium": 930,
"AutoUwResultCode": "1",
"BeforeVatPremium": 930,
"BeforeVatPremiumDelta": 0,
"BookCurrencyCode": "USD",
"BusinessCateCode": "1",
"BusinessObjectId": 3517051304219,
"Commission": 279,
"CommissionDelta": 0,
"CommissionRate": 0.3,
"DuePremium": 1004.4,
"DuePremiumDelta": 0,
"EffectiveDate": "2024-06-12",
"ExpiryDate": "2025-06-12",
"FirstDataEntryDate": "2024-06-19T16:52:01",
"GrossPremium": 1004.4,
"GrossPremiumDelta": 0,
"InterestRate": 0.05,
"IsPremiumCalcSuccess": "Y",
"IsRenewable": "Y",
"IsTakeUpPolicy": "N",
"IssueDate": "2024-06-19T16:52:02",
"IssueUserId": 10000000221001,
"IssueUserRealName": "xxxxxx.xxxx@insuremo.com",
"IssueUserStaffCode": "",
"LocalCurrencyCode": "USD",
"MaxUwLevelCode": "0",
"OrgCode": "10002",
"POIRate": 1,
"PolicyDeliveryAddressList": [
{
"Address": "Address1",
"BusinessObjectId": -1100000235,
"ParentElementType": "POLICY",
"ParentPolicyElementId": 24310402801,
"PolicyElementId": 24310402807,
"PolicyId": "24310402801,2A6A3408581429B6AC37DBE2B45CB41A",
"PolicyStatus": 2,
"PostCode": "210012",
"Recipient": "Recipient1",
"SequenceNumber": 1
},
{
"Address": "Address2 New added ENDO3",
"BusinessObjectId": -1100000235,
"ParentPolicyElementId": 24310402801,
"PolicyStatus": 2,
"PostCode": "2100122",
"Recipient": "Recipient2",
"SequenceNumber": 2
}
],
"PolicyElementId": 24310402801,
"PolicyId": "24310402801,2A6A3408581429B6AC37DBE2B45CB41A",
"PolicyLobList": [
{
"AdjustedPremium": 1004.4,
"AdjustedPremiumDelta": 0,
"BeforeVatPremium": 930,
"BeforeVatPremiumDelta": 0,
"BusinessObjectId": 351861068,
"Commission": 0,
"CommissionDelta": 0,
"DuePremium": 1004.4,
"DuePremiumDelta": 0,
"GrossPremium": 1004.4,
"GrossPremiumDelta": 0,
"ParentElementType": "POLICY",
"ParentPolicyElementId": 24310402801,
"PolicyElementId": 24310402809,
"PolicyId": "24310402801,2A6A3408581429B6AC37DBE2B45CB41A",
"PolicyRiskList": [
{
"AdjustedPremium": 1004.4,
"AdjustedPremiumDelta": 0,
"Age": 35,
"BeforeVatPremium": 930,
"BeforeVatPremiumDelta": 0,
"BusinessObjectId": 351861075,
"Commission": 0,
"CommissionDelta": 0,
"CustomerName": "Customer",
"DateOfBirth": "1988-10-01",
"DuePremium": 1004.4,
"DuePremiumDelta": 0,
"GrossPremium": 1004.4,
"GrossPremiumDelta": 0,
"IdNo": "IdNo",
"IdType": "1",
"ParentElementType": "POLICY_LOB",
"ParentPolicyElementId": 24310402809,
"PolicyCoverageList": [
{
"AdjustedPremium": 972,
"AdjustedPremiumDelta": 0,
"AnnualPremium": 900,
"BeforeVatPremium": 900,
"BeforeVatPremiumDelta": 0,
"BusinessObjectId": 351861078,
"Commission": 0,
"CommissionDelta": 0,
"CoverageName": "Accident Death & Dismemberment",
"DuePremium": 972,
"DuePremiumDelta": 0,
"GrossPremium": 972,
"GrossPremiumDelta": 0,
"IsFinalLevelCt": "Y",
"ParentElementType": "INSURED",
"ParentPolicyElementId": 24310402811,
"PolicyElementId": 24310402813,
"PolicyId": "24310402801,2A6A3408581429B6AC37DBE2B45CB41A",
"PolicyStatus": 2,
"ProductElementCode": "C100416",
"ProductElementId": 351926024,
"SequenceNumber": 1,
"ShortRate": 0,
"SumInsured": 300000,
"SumInsuredDelta": 0,
"TempData": {},
"Vat": 72,
"VatDelta": 0
},
.....skip....
],
"PolicyElementId": 24310402811,
"PolicyId": "24310402801,2A6A3408581429B6AC37DBE2B45CB41A",
"PolicyStatus": 2,
"ProductElementCode": "R10007",
"ProductElementId": 351926021,
"RiskName": "InsuredName",
"SequenceNumber": 1,
"SumInsured": 900000,
"SumInsuredDelta": 0,
"TempData": {
"Mask-IdNo": "Jmf1vghdrScrTdpdeyKu7w==",
"IdNo": "Jmf1vghdrScrTdpdeyKu7w==",
"MaskAfter-IdNo": "IdNo"
},
"Vat": 74.4,
"VatDelta": 0
}
],
"PolicyStatus": 2,
"ProductCode": "TBTI",
"ProductElementCode": "TBTI",
"ProductElementId": 351925023,
"ProductId": 351925022,
"ProductLobId": 351925023,
"SequenceNumber": 1,
"SumInsured": 900000,
"SumInsuredDelta": 0,
"TechProductCode": "TR_POC",
"TechProductId": 3516410623456,
"TempData": {},
"TotalInsuredCount": 1,
"Vat": 74.4,
"VatDelta": 0
}
],
"PolicyNo": "POTBTI00026506",
"PolicyStatus": 2,
"PolicyType": "1",
"PremCalcFactorHash": "20240619_165156_804,jPZmpBS/1RsCdmM8AisYGPxGdCOW0oQQKRQyz/0q0es=",
"PremCalcResultHash": "20240619_165156_949,l3WBRsE1/UtH3dRVl65KQSujzZjrgkkmdgOkvY9sCpE=",
"PremiumBookExchangeRate": 1,
"PremiumCurrencyCode": "USD",
"PremiumInterest": 46.5,
"PremiumLocalExchangeRate": 1,
"ProductCode": "TBTI",
"ProductId": 351925022,
"ProductVersion": "1.0",
"ProposalDate": "2022-03-22",
"ProposalNo": "PTBTI-202406-0000001106",
"ProposalStatus": "3",
"QuotationDate": "2024-06-19T16:52:01",
"SchemaVersion": 2,
"ShortRateType": "1",
"SumInsured": 900000,
"SumInsuredDelta": 0,
"TaxInterest": 3.72,
"TechProductCode": "TR_POC",
"TechProductId": 3516410623456,
"TempData": {},
"TotalInterest": 50.22,
"TotalPremium": 1054.62,
"Vat": 74.4,
"VatDelta": 0,
"VatRate": 0.08,
"VersionSeq": 5
},
"OldPolicy": {
// the nb issued policy
}