Product inheritance overview

Models can share common definition ancestors through product inheritance.

Product inheritance allows common data elements to be:

  • Defined in an upstream template line of business (LOB).
  • Used repeatedly through inheritance into specific LOBs that extend the base template.

Example: A Homeowners (HO) template that defines 80% of all HO business but inherits HO-Common into HO-2, HO-3, and HO-5, each of which introduces new item, rates, and rules.

Inheritance status

Each entity in a product has one of three inheritance statuses:

Original

  • The entity was created in the current product.

Inherited

  • No modifications have been made to the entity in the current product.
  • All the entity’s data is exactly the same as the parent product.
  • All changes made in the parent product are present in the current product.

Overridden

  • A modification has been made in the current product, making the entity’s data different from the parent product.
  • Changes made in the parent product aren’t present in the current product.

Revert to Inherited status

All entities with an Overridden inheritance status can re-establish the inheritance connection with the parent product, meaning the data will be updated to be the same as the parent product.

Note: Any changes made to the Overridden entity in the parent product will be available in the current product.

Users can re-establish the inheritance connection by reverting to an Inherited status.

Deleted entities in a product hierarchy

Entities deleted from products in a hierarchy are also deleted from all descendant products regardless of the inheritance status of the entity in the descendant product.

Note: The entity wouldn’t be deleted from any sibling products.

Reference names in inheritance

When working in a product hierarchy, users are allowed to modify a reference name only in the root product. Users are prevented from modifying reference names in all descendant products. If a reference name is modified in the root product, then the updated reference name will persist to all child products no matter the inheritance status of the entity in that child product.

Inheritance entities

In BriteLInes, the following entities inherit between products:

  • Data fields
  • Shared calculations
  • Rate tables
  • Items

Data fields

Data fields are considered overridden when any of the data field attributes in a child product are modified.

Note: Users can’t modify the reference name for Inherited or Overridden entities.

A data field’s inheritance status is displayed in two places:

  • The Data Field summary screen.
  • The Edit Data Field screen.

On the Edit Data Field screen, users can hover over the inheritance status to see the Revert To Inherited option and the product the data field either inherits from or overrides (including any child products overriding it).

If users delete or break inheritance on a data field used as a rate table source, they will be notified that the change will result in one or more rate tables being inconsistent. The notification will include a list of the affected rate tables and allow them to choose whether or not they want to continue with the change.

Shared calculations

Shared calculations are considered overridden when the formula is modified in a child product.

Note: Users can’t modify the reference name for Inherited or Overridden entities.

On the Calculations List screen, users can hover over the inheritance status to see the Revert To Inherited option and the product the calculation either inherits from or overrides (including any child products that have an override for the calculation).

Rate tables

Rate tables are considered overridden when any of the rate table’s attributes are modified in a child product.

Rate table attributes include:

  • Label
  • Default
  • Source(s)
  • Factor

Note: Users can’t modify the reference name for Inherited or Overridden entities.

A rate table’s inheritance status is displayed in two places:

  • The Rate Table List screen.
  • On the Edit Rate Table screen.

On the Edit Rate Table screen, users can hover over the inheritance status to see the Revert To Inherited option and the product the rate table either inherits from or overrides (including any child products that have overridden the rate table).

When reverting a rate table to the Inherited status when a rate table source or data field source is overridden, users will receive a Revert Not Allowed notification. They will be notified that they need to restore the affected entities before restoring the rate table.

Items

An item is considered overridden when the item definition has been modified.

The item definition includes:

  • Label
  • Presence
  • Type

Note: Users can’t modify the reference name for Inherited or Overridden entities.

On the Item List screen, the inheritance status is displayed as Overridden only if the item definition is overridden. If the item definition is overridden the Variable, Premium, Limit, or Deductible may still be inherited. If the item definition is inherited, the item will appear as Inherited in the item list, but the Variable, Premium, Limit, or Deductible may be overridden.

Item calculations

In an item on the Coverage Calculations screen, users will define the following entities:

  • Variable
  • Premium
  • Limits
  • Deductible

Note: In inheritance, these entities behave independently of the item definition and each other.

Example: Users can break inheritance on only one variable and the other entities will remain inherited.

An item definition’s inheritance status is displayed in two places:

  1. The Item List screen.
  2. The Edit Item screen.

On the Item List screen, the inheritance status is displayed as Overridden only if the item definition is overridden. If the item definition is overridden the Variable, Premium, Limit, or Deductible may still be inherited. If the item definition is inherited, the item will appear as Inherited in the item list, but the Variable, Premium, Limit, or Deductible may be overridden.

On the Edit Item screen, users can hover over the inheritance status to see the Revert To Inherited option and the product the item definition either inherits from or overrides (including any child products that have overridden the item definition).

Item variables

Item variables are considered overridden when the formula is modified in a child product.

Note: Users can’t modify the reference name for Inherited or Overridden entities.

On the Edit Item screen, users can hover over the inheritance status to see the Revert To Inherited option and the product the variable either inherits from or overrides (including any child products that have overridden the variable).

Premium

Item premium is considered overridden when the formula is modified in a child product.

On the Edit Item screen, users can hover over the inheritance status to see the Revert To Inherited option and the product the premium either inherits from or overrides (including any child products overriding the premium).

Limits

An item’s limit consists of a Limit Definition and a value, which behave independently in inheritance.

The item limit includes:

  • Label
  • Presence
  • Type

Note: Users can’t modify the reference name for Inherited or Overridden entities.

Example: If users modify the limit value in a child product, any changes to the Limit Definition in the parent will still inherit to the child’s limit.

The limit value is considered overridden when the formula is modified in a child product.

On the Edit Item screen, users can hover over the inheritance status to see the Revert To Inherited option and the product the limit value either inherits from or overrides (including any child products overriding the limit’s value).

Deductible

The item deductible is considered overridden when the formula is modified in a child product.

On the Edit Item screen, users can hover over the inheritance status to see the Revert To Inherited option and the product the deductible either inherits from or overrides (including any child products overriding the deductible).