Answering pre-qualification questions in a submission

Pre-qualification questions are a screening tool used to determine applicant risk and to reflect the insurer’s desire for the business. These questions determine if an applicant qualifies for the type of insurance being sought. You access and modify the questions in Guidewire Product Designer. (Not all products in the default application have pre-qualification question sets.) Questions have risk points and correct answers. Depending on the answers, PolicyCenter can raise underwriting issues that cause the policy to be referred to an underwriter. If not approved, these issues may prohibit quoting the policy.

The outcomes of answering the questions are:

The applicant answers the questions correctly. The submission process continues normally.
The applicant answers some of the questions incorrectly. Incorrect answers can raise underwriting issues which an underwriter needs to review. In the base configuration, underwriting issues are raised before quoting the policy.
- The underwriter reviews the underwriting issues and approves them. The agent can quote the policy and continue the submission.
- The underwriter decides that the applicant does not meet the base requirements, and declines the underwriting issues. The agent cannot quote the policy. The agent can revise the pre-qualification questions and other parts of the policy. These changes may remove underwriting issues blocking the submission.

You can configure the error message that appears when the applicant answers a question undesirably. In some cases, the insurer wants the message to be as explicit as possible so that agents know exactly what the eligibility requirements are. In other cases, they want the answer to be less straightforward to prevent users for knowing how to beat the system and pre-qualify an undesirable applicant.

Questions can be filtered. They can only be tied to a single answer. For example, if a question has a drop-down list, a filtered question can appear if the user selects a certain value from the drop-down. You cannot configure the system to have a single question appear if the user selects one of two values.