BriteX cancellation for non-payment of premium

Most BriteX cancellation workflows are supported with the BriteQuote quote flow engine. Cancellations for non-payment of premium are dependent on billing workflows. BriteX currently integrates with Classic Billing and Classic Contacts, so BriteX cancellations for non-payment of premium are dependent on BriteCore Classic settings.

Cancellation workflow

When a policy’s invoice isn’t paid by the due date, the policy will enter cancellation pending for non-payment of premium. The policy status will be updated to Cancellation Pending, Non-Payment of Premium. After the specified cancellation pending time has passed, the policy will cancel for non-payment of premium, and the policy status will be updated to Canceled, Non-Payment of Premium.

Figure 1: Cancellation Pending, Non-Payment of Premium policy status.
Figure 2: Canceled, Non-Payment of Premium policy status.

Notification

Agent contacts that have the Notify by Email All Overdue Invoices setting selected will receive email notifications when an invoice is overdue and the policies enter cancellation pending on policies the agents are responsible for. The email includes a link to the policy and the name of the insured.

Related settings

The Policy Lifecycle settings on the Non-Pay tab configure how BriteCore treats cancellations for non-payment of premium. The settings allow administrators to:

  • Determine if external payments (including payments from agencies) can be made on a policy that has entered cancellation pending for non-payment of premium.
  • Configure the length in days that a policy will remain in cancellation pending before it’s canceled.
  • Assess fees for non-payment of premium.
  • Set a threshold for a policy to go into cancellation pending for non-payment of premium. For example, if you set a threshold of $5.00, the policy will only go into cancellation pending for non-payment of premium if more than $5.00 is left unpaid.

Advanced settings

The following BriteCore Classic advanced settings can be used to further configure cancellations for non-payment:

  • agency_billing_non_pay_override
  • agency_billing_non_pay_override_length
  • allow-due-date-grace
  • cancellation-notice-nonpayment-prem
  • days-to-allow-canceled-policy-payment
  • disable_cancel_fees_if_mortgagee
  • enable-cancellation-date-adjust
  • enable-non-pay-notice-moratorium
  • nonpay_cancellation_for_agency_billed_policies
  • offset-invoice-dates-for-non-business-days
  • rewrite_canceled_policy_on_payment
  • reinstate_mortgagee_billed_non_paid_renewals_on_payment