Types of question sets

Question sets can facilitate collecting information at different points during policy processing. The following question set types are defined in the base configuration:

PreQual – Questions that determine whether or not the insured meets the basic requirements for coverage. You can configure the actions to take when the questions are answered incorrectly, such as blocking the user or raising underwriting issues. Therefore, these questions typically appear early in the submission process. In the base configuration, PolicyCenter displays pre-qualification questions on the Qualification screen. The base configuration uses pre-qualification question sets exclusively in submission transactions.
Product Qualification – Questions to assess whether or not an applicant is qualified for a particular product.
Location – Questions that link to a particular location and used for underwriting. PolicyCenter is configured to display an additional tab when location questions are present. You can further configure PolicyCenter to display these questions when the location fits a particular profile or has certain associated coverages. For example, a question about whether the location serves alcohol could be used in businessowners products where the location has an industry code associated with restaurants. The answer then could be associated with liquor liability coverage. For another example, a question about whether the location has a swimming pool could be use if the location has an industry code associated with apartments or motels.
Offering Selection – Questions associated with products that have offerings. Such products have an Offerings screen that appears at the beginning of a job wizard. The offerings available in the Offerings Selection list can be determined by answers to these questions.
Supplemental – Questions that collect additional underwriting information needed to assess risk. For example, in a workers’ compensation policy, a question asking if any employees are under age 16 or over age 60 could add a certain number of risk points. Another question about whether any employees travel out of state on business could add a smaller number of risk points.
Underwriting – Questions that generally help to determine the quality of a risk. A higher-quality risk (one that is less likely to have a loss) could qualify for automated approval and a favorable rating. A lower-quality risk could be charged more for the policy, or possibly not qualify for the policy at all. Underwriting questions are typically evaluated as a set.

In addition to the question set types provided in the base configuration, you can define your own question set types. For example, you want question sets that assess an applicant’s suitability for upselling. You can define a new type for such question sets so that you can track them and categorize their answers accordingly.

Question set type and answer container

Question sets can be included in job wizards based upon their type, answer container, and the product with which they are associated. The question set type is often, but not required to be, related to the entity where the answers are stored. In the base configuration, the PolicyLine, PolicyPeriod, and PolicyLocation entities are answer containers. In the base configuration, the questions on the Qualification screen have a QuestionSetType set of Pre-Qual and an answer container type of PolicyPeriod. You also can configure question sets for other entities as needed.