Underwriter Manual Decline

This feature enables underwriters to manually decline insurance applications.

The Underwriter Manual Decline feature enables underwriters to manually decline insurance applications, locking the application from further changes, capturing a decline reason, and ensuring transparent communication with the applicant. This process gives underwriters the opportunity to decide if they want to decline an application, going beyond the automated decline rules. When an underwriter manually declines an application, the application's status will be updated to "UW Declined." This feature also includes the ability for an underwriter to reverse a manual decline, restoring the application's previous state (including its status).

Key Features:

• Manual Decline Action: Underwriters can now manually decline applications, locking them from further changes, and hiding premium details from the applicant.

• Application Status Update: When an underwriter manually declines an application, its status will be updated to "UW Declined." If the decline is reversed, the status will revert to its prior value.

• Capture Decline Reason: A required comment modal appears upon decline, storing the underwriter's reason in the application, for broker reference.

• Reversal Option: Underwriters have the ability to reverse a manual decline, unlocking and restoring the application to its previous state.

• Application Locking: Applications are locked upon manual decline, preventing further modifications.

• Premium Visibility: Premium data is hidden from the applicant once an application is declined.

• Application Lifecycle Events: For reporting purposes, Application Lifecycle Events are captured when an application is manually declined, and when a manual decline is reversed.

This feature enhances the control underwriters have over the application process and improves transparency with brokers, ensuring smoother communication and decision-making.

Application with Decline permission enabled

Underwriter Manual Decline feature is enabled:

Decline action requires a Decline Reason

After an Underwriter clicks "Decline Application" a modal window prompts the user to enter the reason why they are declining the application:

Decline reason is stored and Application’s Status is changed to “UW Declined”

When an application is declined the following occurs:

- The Application's Status is set to UW Declined

- The Decline Reason is saved

- The Reinstate Application action is enabled

- The Application is locked (to prevent any further updates)

Underwriter clicks Reinstate Application

After an Underwriter clicks "Reinstate Application" a modal window prompts the user to enter the reason why they are reinstating the application:

Application has been Reinstated

When an application is reinstated the following occurs:

- The Application's Status is reverted to its previous state (in this example it is reset to Open)

- The Reinstate Reason is saved as a comment

- The Decline Application action is enabled

- The Application is unlocked