Lines of Insurance

Insurance

Property
Auto Life
& Casualty
 High Level Process Flow
Insurer
Insured
(Company) Rate Engine

Quote Underwriting
Business Rules
Engine

Policy Master Policy creation

Accident
Claim Handling Claim settlement
(Risk occurrence)
Process Flow Diagram
Collection of Insured Actuarial Rates engine
and Exposure details (Rates)
Quote (Demographic/Risk/
Request Exposure/Past history)

Insured

Policy creation Business Rules Under Writing

& Premium Pay Engine
Process

Policy Expiration Accept Reject

Policy Master

Quote End
Generation

Incident Claim creation

Accept Reject

Reject Accept

Claim handling
and payment
Fact / Qualifier Matrix
Fact

No. Of
No. Of No. Of No. Of Paid Coverage Claim
Qualifier Quotes Policies Incidents Claims Amount Premium amount Credit

Insured √ √ √ √ √ √ √ √

Quote √        √ √  √

Policy  √ √ √ √ √ √ √ √

Claim     √ √  √ √  √  √

Vehicle Info √ √ √ √ √ √ √ √

Geography √ √ √ √  √ √ √ √

Age Group √ √ √ √ √ √  √  √
Prev. Policy Details √ √ √   √  √ √  √  √ 

Incidents     √ √   √  
 Insured

Insured Dim Key

First Name

Last Name

Logical Data Model -1 Social Security Number

Address

City
Policy Policy Fact Dim Key

Policy Dim Key Policy Dim Key State

Policy number Insured Dim Key Zip Code

Policy holder name Quote Dim Key Phone

Policy type Policy Start Date Email

Agent Id Vehicle Dim Key DOB

Status flag Geo Dim Key Marital status

Start date Time dim Key Qualification

Expiration date Age Dim Key Licence no.

Premium Prev pol Dim Key No Of Tickets

Coverage amount Premium Amt No of at Falult Accidents

Deductible Credit No of No falult Accidents

Credits Surcharge Any Claims in last 5 years

Coverage Amt
Quote Vehicle Information
Deductible Amt
Quote Dim Key Veh Dim Key

VIN number
Agent Id
Time Year
Quote raised by
Ti me Dim Key Manufacturer
Prev Insu Information
Quote start date Month Model
Prev Pol Dim Key Geography
Quote End Date Year Age Group Color
Company name Geo Id
Quoute amount Date Age Dim Key Commute Miles
Expiration date Region
Day Lower Age limiy Commute Days per week
Policy type offered Duration of policy State
Week Upper Age limit Miles Driven Anually
Deductible offered Duration of continuous coverage City
Fiscal Year Age Disc Ownership
Number of claims
Credits offered
Fiscal Month
 Insured

Insured Dim Key

First Name

Age Group Last Name

Logical Data Model -2 Age Dim Key

Lower Age limiy

Upper Age limit

Social Security Number

Address

City
Claim Information Policy Fact Dim Key
Claim Dim Key Age Disc State
Claim Dim Key
Agent Id Zip Code
Insured Dim Key
Policy number Phone
Policy Dim Key
Email
Claim Number Claim Date
DOB
Policy Start Date
Claim type
Marital status
Vehicle Dim Key
Claim amount
Qualification
Geo Dim Key
Paid claim amount
Licence no.
Time Dim key
Claim date
No Of Tickets
Age Dim Key
Claim paid date
No of at Falult Accidents
Prev pol Dim Key
Claim raised by
No of No falult Accidents
Claim Amt
Claim handled by
Any Claims in last 5 years
Claim Paid Amt
Policy
Premium Vehicle Information
Policy Dim Key
Coverage Amt Veh Dim Key
Policy number
Is At Fault VIN number
Policy holder name Time
Deductible Amt Year
Policy type Ti me Dim Key

Agent Id Month Manufacturer

Prev Insu Information
Incident Year Model
Status flag Prev Pol Dim Key
Geography Incident Dim Key Date Color
Start date Company name
Geo Id Incident date Day Commute Miles
Expiration date Expiration date
Premium Region Is at fault Week Commute Days per week
Duration of policy
Coverage amount State Fiscal Year Miles Driven Anually
Duration of continuous coverage Incident location
Deductible City Fiscal Month Ownership
Number of claims Extent of damage
Credits
Thanks To One And All