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Underwriting Meeting Notes

Date: Monday, October 6th, 2025
By: Christopher Samwel
Focus: Underwriting, Sales, Membership, and Finance workflows

Key Recommendation​

TBD - No specific recommendations captured in this meeting

Client Types​

  • Corporate Clients: 11+ people
  • Individual Clients: Single persons

Current Workflows​

Corporate Client Onboarding​

Individual Client Onboarding​

Product Development Workflow​

Sales & Underwriting Workflow​

Major Pain Points​

System Usage​

  • Low system adoption: 90% of workflows do not use the system currently (UR-3405)
  • Manual data collection: Corporate client data collected and entered manually
  • Physical forms: Still using paper-based corporate forms

Product Configuration​

  • Need for products to be configurable in the system (UR-0303, UR-0304, UR-0305, UR-0306, UR-0307, UR-0308)

Membership Department​

  • Lacks advanced filtering capabilities (UR-2811)
  • Cannot perform bulk actions efficiently (UR-1203, UR-1204, UR-1301, UR-1401, UR-1504, UR-1601)
  • Missing intensive audit logging (UR-2810, UR-3104, UR-3105)
  • Insufficient reporting capabilities (UR-1804-1814)
  • Card reprint is manual process (UR-1802)

Finance​

  • No bank payment integration (UR-4001)
  • Manual payment confirmation process (UR-4004, UR-4005)

Required Features​

Product Configuration​

  • Setup multiple product types (UR-0303, UR-0304, UR-0305)
  • Individual and family benefits configuration (UR-0306, UR-0307, UR-0308)
  • Parent-child benefit structure (UR-0309)
  • Buffer/Excess of Loss configuration (UR-0310)
  • SBP configuration (UR-0311)
  • Indemnity management (UR-0312)
  • Product cloning (UR-0314)
  • Edit benefits with authorization (UR-0315)
  • Configure exclusions and waiting periods (UR-0316, UR-1815)
  • Maker/Checker signoffs (UR-0317)
  • TIRA compliance (UR-0611)
  • Standard product registration (UR-1816)

Quotation & Invoice Management​

  • Generate system quotations (UR-0603, UR-0604, SE-011, SE-012)
  • Generate deposit invoices (UR-0602)
  • Generate tax invoices (UR-0608, UR-0609)
  • Multi-currency support (UR-0302, UR-3411)
  • VAT and tax configuration (UR-0610, UR-0612)
  • Premium categorization (UR-0613)
  • Quotation revision/cancellation (UR-0607)
  • Invoice cancellation/reversal (UR-0616)
  • Credit note management (UR-0902)

Membership Operations​

  • Member enrollment based on deposit invoice (UR-1202)
  • Bulk member upload (UR-1203, UR-0103, SE-015)
  • Bulk photo upload (UR-1204)
  • Bulk contact updates (UR-1301)
  • Edit member information with premium adjustment (UR-1302)
  • Mid-policy product changes (UR-1303, UR-1507)
  • Card printing automation (UR-1801, UR-1802, UR-1803)
  • Card production management (UR-1604)
  • Family-based enrollment (UR-2803)
  • TIN number capture (UR-2804)
  • Member photo display (UR-2805)
  • Relation type mapping (UR-2806)
  • Card collection notifications (UR-2807)
  • Plan schedule integration (UR-2808)
  • Bulk upload with validation (UR-2809)
  • Duplicate detection (UR-2814)
  • Family grouping by ID (UR-2817)

Renewal Management​

  • Exclude members from renewal (UR-1401)
  • Add members at renewal (UR-1402)
  • Product change at renewal (UR-1403)
  • Renewal reversal (UR-1404)
  • Early renewal (UR-1405)
  • Renewal notifications (UR-1406)
  • Automated reminders (UR-2816)

Member Lifecycle​

  • Member reinstatement (UR-1501, UR-1502)
  • Bulk member addition (UR-1504)
  • Addition reversal (UR-1503)
  • Consolidate multiple invoices (UR-1505)
  • Temporary suspension (UR-1506)
  • Bulk deletion (UR-1601)
  • Policy termination (UR-1602)
  • Member/policy suspension (UR-1603)

Self-Service Features​

  • Client self-enrollment (UR-502, UR-3406)
  • Client-initiated termination (UR-503)
  • Member list upload by client (UR-0103)
  • Online membership application (RT-005)
  • Self-service portal (UR-3406, SE-001-007)

Sales & Commission​

  • Sales agent assignment (UR-501)
  • Commission configuration (UR-0601, UR-0614)
  • Commission structure per intermediary (UR-0207)
  • Sales hierarchy setup (UR-0201-0205)
  • Commission override structure (UR-0206)
  • Quotation-wise commission (UR-0208)
  • Lead management (UR-0102, SE-014)
  • Production targets (UR-0101)
  • Sales performance monitoring (UR-3407, SE-008, SE-009)

Policy Documents​

  • Policy document generation (UR-1701, UR-1819)
  • Endorsement document generation (UR-1702)
  • Multiple format support (UR-1819)

Reporting​

  • Members per scheme (UR-1804)
  • Cards printed reports (UR-1805)
  • Valid members reports (UR-1806, UR-1807, UR-1808)
  • Production per user (UR-1809)
  • Member lists by status (UR-1810, UR-1811)
  • Member contact details (UR-1813)
  • Underwriting status (UR-1814, UR-1201)
  • Premium register (UR-1103, UR-1104, UR-1105)
  • Generated invoices/receipts (UR-1106, UR-1107)
  • Sales reports (SE-018, SE-021)

Finance Integration​

  • Sage integration (UR-4001, UR-0615)
  • Accounts payable (UR-4002)
  • Accounts receivable (UR-4003)
  • Payment status reports (UR-4004)
  • Premium collection reports (UR-4005)
  • UPR and DAC reports (UR-4006)
  • Receipt management (UR-1101, UR-1102)

SLA & KPI Management​

  • SLA setup with notifications (UR-0401)
  • Client SLA tracking (UR-0402)

Advanced Features​

  • Proration of premiums (UR-0801)
  • Premium refund management (UR-0901)
  • Policy extension (UR-0701)
  • Waiting period management (UR-1815)
  • Date consistency validation (UR-1817)
  • Loadings/discounts isolation (UR-1818)
  • Popup for special features (UR-1812)
  • Enrolment history view (UR-2815)
  • Enrolment status dashboard (UR-2812)
  • Document upload capability (UR-2813)
  • Smart search and filters (UR-2811)
  • Audit trail for changes (UR-2810)

Critical Insight​

"90% of the workflows do not use the system currently"

Membership Flows Identified​

  1. Upload member list
  2. Member Renewal
  3. Inception
  4. Addition
  5. Deletion (Bulk)
  6. Card Reprint (Manual - needs automation)
  7. Card Print

Next Steps​

  • Prioritize automation opportunities starting with highest-impact manual processes
  • Design bank payment integration approach (UR-4001)
  • Implement bulk operations for membership (UR-1203, UR-1204, UR-1301, UR-1504, UR-1601)
  • Develop self-service portal (UR-502, UR-503, UR-3406)
  • Configure product setup module (UR-0303-0316)
  • Setup automated reporting system (UR-1804-1814)
  • Implement card printing automation (UR-1801, UR-1802)
  • Integrate with Sage financial system (UR-4001)