The quote screen flow is a series of steps that a user walks through to quote a policy for potential new business. In BritePolicies and BriteQuote, the quote screen flow can be customized for each carrier to meet the needs of its organization.
In general, the quote screen flow will consist of screens that gather basic information about the policy and policy type, named insured(s), additional interests, risk(s), and the coverages included in the policy.
BriteQuote screen flow data model
Figure 1 illustrates the quote screen flow data model.
Quote screen flow key components
Figure 2 illustrates the quote screen flow components on the UI.
- Footer Toolbar: A required element on the quote flow page, typically used for continue buttons/pagination or submit/continue buttons for execution. Configurable element:
- Sidebar: A summary display of other configured items, such as quote ID, line of business, effective date, expiration date, premium amount (if rated), and steps (called pageGroup in configuration). The sidebar isn’t configurable.
- Page group summary: The summary of steps for the quote flow.
- Page group: A page group (called pageGroup in configuration) has one or more sub-pages in its step to collect information about the quote.
- Page: A page is a subsection of a pageGroup containing data entry points for the quote.
- Page components: Components can include multiple fields and data entry types to capture information about the quote.
- Risk list: This specific component is a risk list that displays a list of cards representing risks or the option to add additional risks (such as vehicles or drivers).
Quote status and submission
Reviews or declines happen at the quote level. Upon submission/approval, every quote is submitted as bound to BritePolicies. Depending on the rules, submissions can be automatically approved with straight-through processing (STP) or approved after required or requested underwriter review. Required reviews can be conditional based on BriteRules or always required.
Example: A threshold of miles to commute on a vehicle may determine if underwriter review is required or not. As quote parameters change, the status may change.
Example: If a value meets a requirement for STP and that value is changed, requiring underwriter review, the status may change from Approved to In progress.
Quote status values
- In progress: Underwriter review is required based on rules.
- In review: Review was requested by the quote initiator.
- Approved: Underwriter review or STP yielded an approved quote.
- Declined: The quote was declined based on business rules or as the result of underwriter review.
The quote is locked once the quote has been submitted until the quote is approved or declined by STP or an underwriter.
The underwriter queue is a filtered view by access role to review quotes in BriteQuote. Whether requested or required, the quotes marked for review are displayed in this listing. Opening a quote through the underwriter queue presents a non-configurable tabbed interface with numbers of data points entered under each tab. A zero indicates nothing to review, while any other number indicates data that can be reviewed. With appropriate role permissions, the underwriter can decline or approve the quote.
After approval, the quote becomes unlocked.
Refer to our documentation for a technical deep dive into BriteQuote screen flow components and configuration.