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{
"uid": "8f68c38f-3267-47cc-9f3f-6d81f810cee6",
"user_id": 1,
"created_at": "2025-01-28T22:12:01.701Z",
"updated_at": "2025-01-28T22:12:01.701Z",
"name": "CRD - Allstate Monthly Income Term Final",
"template": {
"uid": "1b908653-e08e-4489-941c-335824838ef8",
"name": "CRD",
"created_at": "2024-11-14T22:08:32.218Z",
"updated_at": "2024-11-14T22:08:32.218Z"
},
"file": null,
"requirements": [
{
"doc_uid": "8f68c38f-3267-47cc-9f3f-6d81f810cee6",
"uid": "d894730c-a548-4180-81d3-a5d1f3b0ac16",
"ref_id": "CREQ-001 Product Introduction Date",
"summary": "Add a feature to clearly define and adhere to the product introduction dates for CW (8/13/18) and NY (5/13/19) launches. This feature is critical for tracking the product lifecycle and ensuring compliance with regulatory timelines.\n\n\n\n**Current client process**:\n\nCurrently, there is no defined process for tracking and adhering to product introduction dates for CW and NY launches, leading to potential non-compliance with regulatory timelines.",
"references": [
{
"id": "d0480869-f283-4660-8836-a35b93505502",
"text": "\"Client Requirements Document\\n\\n\\n\\n\\n\\nClient Requirements Document\\n\\n\\n\\n\\n\\n\\n\\n\\n\\nClient Requirements Document\\n\\n\\n\\n\\n\\nClient Requirements Document\\n\\n\\n\\nEverlake AML Requirements\\n\\nDocument Version 1.0\\n\\n\\n\\nJuly 18, 2024\\n\\nClient Requirements Document\\n\\n\\n\\nEverlake AML Requirements\\n\\nDocument Version 1.0\\n\\n\\n\\nJuly 18, 2024\\n\\n\\n\\n\\n\\n\\n\\n\\n\\n\\n\\n\\n\\n\\n\\n\\n\\n\\n\\n\\n\\n\\n\\n\\n\\n\\n\\n\\n\\n\\n\\n\\n\\n\\n\\n\\n\\n\\n\\n\\n\\n\\n\\n\\n\\n\\n\\n\\n\\n\\n\\n\\n\\n\\n\\n\\n\\n\\n\\n\\n\\n\\n\\n\\n\\n\\n\\n\\n\\n\\n\\nSTATEMENT OF CONFIDENTIALITY\\n\\nThis document is the property of NTT DATA and is produced in response to your request. No part of this document shall be reproduced, stored in a retrieval system, or transmitted by any means, electronic, mechanical, photocopying, recording, or otherwise, to parties outside your organization without prior written permission from NTT DATA.\\n\\nFor more details, see Legal Notice \\u00a9 2022 NTT DATA Americas, Inc.\\n\\n\\n\\nTable of Contents\\n\\n\\n\\n\\n\\nTable of Contents\\t1\\n\\n1.\\tDocument Information\\t2\\n\\n1.1\\tDocument Revision History\\t2\\n\\n1.2\\tProject Stakeholders\\t2\\n\\n1.3\\tReference/Source Materials (Internal & External)\\t2\\n\\n2.\\tProject Overview\\t3\\n\\n2.1\\tExecutive Summary\\t3\\n\\n2.2\\tIn Scope\\t3\\n\\n2.3\\tOut of Scope\\t3\\n\\n2.4\\tTerms and Definitions\\t4\\n\\n3.\\tClient Requirements\\t5\\n\\n4.\\tAssumptions, Constraints and Dependencies\\t8\\n\\n5.\\tAppendix\\t9\\n\\n5.1\\tPost Solutioning Recommendations/Best Practices\\t9\\n\\n5.2\\tMiscellaneous Program Notes\\t9\\n\\n\\n\\n\\n\\n\\nDocument Information\\n\\n\\n\\nDocument Revision History\\n\\nDate\\n\\nVersion\\n\\nDocument Status\\n\\nAuthor(s)\\n\\n\\t7/8/24\\n\\n\\t1\\n\\n\\tDraft\\n\\n\\tDean Pedretti\\n\\n\\t\\n\\n\\t\\n\\n\\t\\n\\n\\t\\n\\n\\t\\n\\n\\t\\n\\n\\t\\n\\n\\t\\n\\n\\t\\n\\n\\t\\n\\n\\t\\n\\n\\t\\n\\n\\n\\n\\n\\nProject Stakeholders\\n\\n\\n\\nStakeholder\\n\\nRole\\n\\nAuthor\\n\\n\\u00a0\\n\\nMriganka Sarkar\\n\\n\\n\\nDean Pedretti\\n\\n\\n\\n\\n\\n\\n\\nClient\\n\\n\\u00a0\\n\\nJulie Harrigan\\n\\nVice President for Treasury and Accounting.\\n\\n\\n\\n\\u00a0\\n\\nBusiness Analysts/SME\\n\\n\\u00a0\\n\\nBill Sun\\n\\nNTT Data Compliance Leader\\n\\nRandi Miller\\n\\nNTT Data AML Leader\\n\\nDean Pedretti\\n\\nBusiness Analyst\\n\\n\\n\\n\\u00a0\\n\\n\\n\\n\\n\\nReference/Source Materials (Internal & External)\\n\\n\\n\\nDate\\n\\nVersion\\n\\nDescription\\n\\nAuthor(s) / Initiator(s)\\n\\nNTT DATA Internal File Link\\n\\n\\t6/26/2023\\n\\n\\t2.3\\n\\n\\tAdministrative Guidelines for Anti-Money Laundering (AML) Monitoring-Reporting Everlake Life Insurance Company\\n\\n\\tL. Romero, Linda Nguyen, Randi Miller\\n\\n\\tSharePoint \\u2013 Administrative Guidelines\\n\\n\\t\\n\\n\\t\\n\\n\\t\\n\\n\\t\\n\\n\\t\\n\\n\\t\\n\\n\\t\\n\\n\\t\\n\\n\\t\\n\\n\\t\\n\\n\\n\\n\\n\\n\\n\\n\\nProject Overview\\n\\n\\n\\n\\n\\n\\n\\nExecutive Summary\\n\\nThe CalcFocus platform will be the policy administration system deployed to support Everlake\\u2019s WL Advantage (WLA) and SGUL products. Both WL Advantage and SGUL are considered a \\u201ccovered product\\u201d and are therefore subject to regulations necessitating the execution of NTT Data\\u2019s existing anti-money laundering program, processes, and requirements. In summary, financial transactions processed on in-force WLA and SGUL contracts meeting certain conditions will need to be identified and captured via the NTT Data SAR process to the SAR and 8300 reports, so that the existing NTT Data AML compliance review and inspection can be conducted on these transactions.\\n\\n\\n\\n\\n\\nIn Scope\\n\\n\\n\\n#\\n\\nDescription\\n\\n\\n\\nAll Everlake products administered by CalcFocus that are considered Covered Products by the AML process requirements.\\n\\n\\n\\nCalcFocus environments\\n\\nProduction\\n\\nUAT/Pilot\\n\\nModel Office/Test\\n\\nDev Conversion Environment\\n\\n\\n\\nThe ability to identify financial transactions meeting the 8300 Report process reporting qualification criteria for any life insurance policy with a cash surrender value and write those transactions to the 8300 Report.\\n\\n\\n\\nAbility to identify financial transactions meeting the SAR reporting qualification criteria for any life insurance policy with a cash value and to generate the SAR \\u201creport\\u201d (data extract) for the identified in force policy financial transactions meeting the SAR report qualification criteria.\\n\\n\\n\\nWithin the CalcFocus policy admin system, ability to allow end user to enter a critical note for policies subject to AML review and to alert them of the existence of a critical note upon accessing the policy.\\n\\n\\n\\nOut of Scope\\n\\n\\n\\n#\\n\\nDescription\\n\\n\\n\\nProducts that are not Covered Products such as term life insurance and group life and group annuities.\\n\\n\\n\\n\\n\\n\\n\\n\\nTerms and Definitions\"",
"file_name": "Draft CRDs-Draft CRDs-AML - Anti Money Laundering-Everlake WL and SGUL CRD - AML.docx"
},
{
"id": "73562731-827f-4ff7-8d1a-02c8c64b8e0d",
"text": "\"Automated Reports \\n \\n \\n \\n\\u00a9 2017 NTT DATA, Inc. | Proprietary and Confidential | March 20, 2017 72 \\n \\n \\noutstanding will exclude the date received, weekends and holidays. The report will be used to balance and \\ntrack the cash clearing account. This report includes the PROCESS, STEP, PRIORITY, SEND OPID, REC \\nOPID, policy/group number, PENDING DATE, check amount, reason for suspense and days outstanding. \\n \\nN302000: Closed Task Report \\nTSKBA302 N302000 \\n \\nThis report will reflect all tasks with a PROCESS of \\u201cBOA\\u201d with a PRIORITY of \\u201c1\\u201d that were closed that \\nday. Records will be sorted and subtotaled by received OPID. \\n \\nAction: This report will be used to track productivity for the billing department. This should be \\nreviewed daily for productivity tracking. \\n \\nN305000: Audit History Critical Change Report \\nLSNAD274 N305000 \\n \\nThis report lists critical changes made to policies. This report includes the policy number, date and time of \\nchange, operator ID of the user that made the change, the field ID and description, and the value of that \\nfield before and after the change. \\n \\nAction: This report should be review on a daily basis to identify critical changes to policies that may \\nbe incorrect or that may affect tax processing for the policy. \\n \\n \\nN307000: Daily Online Agent Master Changes \\nLSN3072A N307000 \\n \\nThis report tracks all online changes to the agent master. Items included are agent number, record type, \\neffective date, subcount, OPID, field ID, field description, old and new values. \\n \\nAction: None required.\"",
"file_name": "Automated Reports Manual.pdf",
"page_label": "72"
},
{
"id": "d0480869-f283-4660-8836-a35b93505502",
"text": "\"Client Requirements Document\\n\\n\\n\\n\\n\\nClient Requirements Document\\n\\n\\n\\n\\n\\n\\n\\n\\n\\nClient Requirements Document\\n\\n\\n\\n\\n\\nClient Requirements Document\\n\\n\\n\\nEverlake AML Requirements\\n\\nDocument Version 1.0\\n\\n\\n\\nJuly 18, 2024\\n\\nClient Requirements Document\\n\\n\\n\\nEverlake AML Requirements\\n\\nDocument Version 1.0\\n\\n\\n\\nJuly 18, 2024\\n\\n\\n\\n\\n\\n\\n\\n\\n\\n\\n\\n\\n\\n\\n\\n\\n\\n\\n\\n\\n\\n\\n\\n\\n\\n\\n\\n\\n\\n\\n\\n\\n\\n\\n\\n\\n\\n\\n\\n\\n\\n\\n\\n\\n\\n\\n\\n\\n\\n\\n\\n\\n\\n\\n\\n\\n\\n\\n\\n\\n\\n\\n\\n\\n\\n\\n\\n\\n\\n\\n\\nSTATEMENT OF CONFIDENTIALITY\\n\\nThis document is the property of NTT DATA and is produced in response to your request. No part of this document shall be reproduced, stored in a retrieval system, or transmitted by any means, electronic, mechanical, photocopying, recording, or otherwise, to parties outside your organization without prior written permission from NTT DATA.\\n\\nFor more details, see Legal Notice \\u00a9 2022 NTT DATA Americas, Inc.\\n\\n\\n\\nTable of Contents\\n\\n\\n\\n\\n\\nTable of Contents\\t1\\n\\n1.\\tDocument Information\\t2\\n\\n1.1\\tDocument Revision History\\t2\\n\\n1.2\\tProject Stakeholders\\t2\\n\\n1.3\\tReference/Source Materials (Internal & External)\\t2\\n\\n2.\\tProject Overview\\t3\\n\\n2.1\\tExecutive Summary\\t3\\n\\n2.2\\tIn Scope\\t3\\n\\n2.3\\tOut of Scope\\t3\\n\\n2.4\\tTerms and Definitions\\t4\\n\\n3.\\tClient Requirements\\t5\\n\\n4.\\tAssumptions, Constraints and Dependencies\\t8\\n\\n5.\\tAppendix\\t9\\n\\n5.1\\tPost Solutioning Recommendations/Best Practices\\t9\\n\\n5.2\\tMiscellaneous Program Notes\\t9\\n\\n\\n\\n\\n\\n\\nDocument Information\\n\\n\\n\\nDocument Revision History\\n\\nDate\\n\\nVersion\\n\\nDocument Status\\n\\nAuthor(s)\\n\\n\\t7/8/24\\n\\n\\t1\\n\\n\\tDraft\\n\\n\\tDean Pedretti\\n\\n\\t\\n\\n\\t\\n\\n\\t\\n\\n\\t\\n\\n\\t\\n\\n\\t\\n\\n\\t\\n\\n\\t\\n\\n\\t\\n\\n\\t\\n\\n\\t\\n\\n\\t\\n\\n\\n\\n\\n\\nProject Stakeholders\\n\\n\\n\\nStakeholder\\n\\nRole\\n\\nAuthor\\n\\n\\u00a0\\n\\nMriganka Sarkar\\n\\n\\n\\nDean Pedretti\\n\\n\\n\\n\\n\\n\\n\\nClient\\n\\n\\u00a0\\n\\nJulie Harrigan\\n\\nVice President for Treasury and Accounting.\\n\\n\\n\\n\\u00a0\\n\\nBusiness Analysts/SME\\n\\n\\u00a0\\n\\nBill Sun\\n\\nNTT Data Compliance Leader\\n\\nRandi Miller\\n\\nNTT Data AML Leader\\n\\nDean Pedretti\\n\\nBusiness Analyst\\n\\n\\n\\n\\u00a0\\n\\n\\n\\n\\n\\nReference/Source Materials (Internal & External)\\n\\n\\n\\nDate\\n\\nVersion\\n\\nDescription\\n\\nAuthor(s) / Initiator(s)\\n\\nNTT DATA Internal File Link\\n\\n\\t6/26/2023\\n\\n\\t2.3\\n\\n\\tAdministrative Guidelines for Anti-Money Laundering (AML) Monitoring-Reporting Everlake Life Insurance Company\\n\\n\\tL. Romero, Linda Nguyen, Randi Miller\\n\\n\\tSharePoint \\u2013 Administrative Guidelines\\n\\n\\t\\n\\n\\t\\n\\n\\t\\n\\n\\t\\n\\n\\t\\n\\n\\t\\n\\n\\t\\n\\n\\t\\n\\n\\t\\n\\n\\t\\n\\n\\n\\n\\n\\n\\n\\n\\nProject Overview\\n\\n\\n\\n\\n\\n\\n\\nExecutive Summary\\n\\nThe CalcFocus platform will be the policy administration system deployed to support Everlake\\u2019s WL Advantage (WLA) and SGUL products. Both WL Advantage and SGUL are considered a \\u201ccovered product\\u201d and are therefore subject to regulations necessitating the execution of NTT Data\\u2019s existing anti-money laundering program, processes, and requirements. In summary, financial transactions processed on in-force WLA and SGUL contracts meeting certain conditions will need to be identified and captured via the NTT Data SAR process to the SAR and 8300 reports, so that the existing NTT Data AML compliance review and inspection can be conducted on these transactions.\\n\\n\\n\\n\\n\\nIn Scope\\n\\n\\n\\n#\\n\\nDescription\\n\\n\\n\\nAll Everlake products administered by CalcFocus that are considered Covered Products by the AML process requirements.\\n\\n\\n\\nCalcFocus environments\\n\\nProduction\\n\\nUAT/Pilot\\n\\nModel Office/Test\\n\\nDev Conversion Environment\\n\\n\\n\\nThe ability to identify financial transactions meeting the 8300 Report process reporting qualification criteria for any life insurance policy with a cash surrender value and write those transactions to the 8300 Report.\\n\\n\\n\\nAbility to identify financial transactions meeting the SAR reporting qualification criteria for any life insurance policy with a cash value and to generate the SAR \\u201creport\\u201d (data extract) for the identified in force policy financial transactions meeting the SAR report qualification criteria.\\n\\n\\n\\nWithin the CalcFocus policy admin system, ability to allow end user to enter a critical note for policies subject to AML review and to alert them of the existence of a critical note upon accessing the policy.\\n\\n\\n\\nOut of Scope\\n\\n\\n\\n#\\n\\nDescription\\n\\n\\n\\nProducts that are not Covered Products such as term life insurance and group life and group annuities.\\n\\n\\n\\n\\n\\n\\n\\n\\nTerms and Definitions\"",
"file_name": "Draft CRDs-Draft CRDs-AML - Anti Money Laundering-Everlake WL and SGUL CRD - AML.docx"
}
],
"acceptance_criteria": [
"The system must allow the entry of product introduction dates for CW and NY launches.",
"The system must display the product introduction dates prominently on the product lifecycle management dashboard.",
"The system must generate alerts if the product introduction dates are not adhered to.",
"The system must log any changes to the product introduction dates, including the user who made the change and the timestamp.",
"The system must ensure that the product introduction dates are included in all relevant compliance reports.",
"The system must validate that the product introduction dates entered are in the correct format (MM/DD/YYYY).",
"The system must prevent the deletion of product introduction dates once they are set, allowing only updates with proper logging.",
"The system must provide a historical view of all changes made to the product introduction dates.",
"The system must integrate with the existing compliance tracking tools to ensure seamless monitoring of regulatory timelines.",
"The system must support role-based access control to ensure that only authorized users can modify the product introduction dates."
],
"created_at": "2025-01-28T22:12:01.714Z",
"updated_at": "2025-01-28T22:12:01.714Z"
},
{
"doc_uid": "8f68c38f-3267-47cc-9f3f-6d81f810cee6",
"uid": "6189394f-e521-4e71-98ba-e126069963a5",
"ref_id": "CREQ-002 Distribution Channels",
"summary": "Add a distribution mechanism to ensure that the product is exclusively distributed through Allstate Agent/AFS channels. This requirement ensures that the product reaches the intended market through the designated distribution network.\n\n\n\n**Current client process**:\n\nCurrently, the product distribution is not limited to specific channels, leading to potential market misalignment and inefficiencies in reaching the intended market.",
"references": [
{
"id": "4997bcf5-7972-4fda-b0e6-f5adb273fe54",
"text": "\"System Reference Manual \\n \\n \\n \\n\\u00a9 2023 NTT DATA, Inc. | Proprietary and Confidential | July 5, 2024 1344 \\n \\n \\n5. TYPE \\n This field contains a one-digit code identifying the type of TAX ID entered. Required \\nwhen TAX ID is entered. Valid values are: \\n 1 Federal ID Number \\n 2 Social Security Number \\n \\n6. BEGIN DATE \\n This field identifies the date on which the funeral home was added to the system. This \\nmay be entered in MM/DD/YYYY or MMDDYYYY format. This will default to current date \\nwhen blank. \\n \\n7. DISTRIBUTION CENTER ID \\n The eight-position DISTRIBUTION CENTER ID code is a client defined code used to \\nattach a distribution center to the funeral home. \\n \\n The DISTRIBUTION CENTER ID may be modified when the operator security access \\nlevel is an eight. The DISTRIBUTION CENTER ID must be present on Screen 92/25 \\nprior to entry on a funeral home record. \\n \\n8. DIST CH \\n This two-position distribution channel code is a client defined code. \\n \\n9. ALTERNATE REPORTING ID \\n This is a twenty-position field for funeral home alternate reporting ID. \\n \\n10. ALTERNATE ADDR ID \\n This is a twelve-position field for funeral home alternate address ID. \\n \\n11. NON-MAILABLE \\n This is a one-position field designating whether address shown is a valid mailing \\naddress. Valid values are: \\nblank address is mailable \\nN address is not mailable \\n \\n12. PASSWORD \\n This field identifies the funeral home\\u2019s internet inquiry system password. This value may \\nonly be viewed and updated when access level is 8.\"",
"file_name": "System Reference-General Maintenance.pdf",
"page_label": "176"
},
{
"id": "c0a28e54-e32a-4192-a25e-1af1180a9dac",
"text": "\"System Reference Manual \\n \\n \\n \\n\\u00a9 2023 NTT DATA, Inc. | Proprietary and Confidential | July 5, 2024 1344 \\n \\n \\n5. TYPE \\n This field contains a one-digit code identifying the type of TAX ID entered. Required \\nwhen TAX ID is entered. Valid values are: \\n 1 Federal ID Number \\n 2 Social Security Number \\n \\n6. BEGIN DATE \\n This field identifies the date on which the funeral home was added to the system. This \\nmay be entered in MM/DD/YYYY or MMDDYYYY format. This will default to current date \\nwhen blank. \\n \\n7. DISTRIBUTION CENTER ID \\n The eight-position DISTRIBUTION CENTER ID code is a client defined code used to \\nattach a distribution center to the funeral home. \\n \\n The DISTRIBUTION CENTER ID may be modified when the operator security access \\nlevel is an eight. The DISTRIBUTION CENTER ID must be present on Screen 92/25 \\nprior to entry on a funeral home record. \\n \\n8. DIST CH \\n This two-position distribution channel code is a client defined code. \\n \\n9. ALTERNATE REPORTING ID \\n This is a twenty-position field for funeral home alternate reporting ID. \\n \\n10. ALTERNATE ADDR ID \\n This is a twelve-position field for funeral home alternate address ID. \\n \\n11. NON-MAILABLE \\n This is a one-position field designating whether address shown is a valid mailing \\naddress. Valid values are: \\nblank address is mailable \\nN address is not mailable \\n \\n12. PASSWORD \\n This field identifies the funeral home\\u2019s internet inquiry system password. This value may \\nonly be viewed and updated when access level is 8.\"",
"file_name": "System Reference-LifeSys System Reference.pdf",
"page_label": "1344"
},
{
"id": "528e5976-a019-4be5-8df8-2c26c40e2f0c",
"text": "\"System Reference Manual \\n \\n \\n \\n\\u00a9 2023 NTT DATA, Inc. | Proprietary and Confidential | July 5, 2024 753 \\n \\n \\n13. COUNTRY \\n Agent\\u2019s country of business. Use for non U.S. addresses. \\n \\n14. PHONE \\n Agent\\u2019s business and home phone numbers, include area code. Do not use spaces, \\ndashes, or parentheses; e.g., 4015551212. In some situations, the agent\\u2019s home phone \\nnumber field will have their fax number stored here. \\n \\n15. DISTRIB \\n Agent's distribution code. A five-digit code used for sorting mailings. This entry is \\noptional. \\n \\nNOTE: When CHANNEL and CLASS fields are required, this field will be populated with the \\ncorrect entry that matches the CHANNEL/CLASS combination. \\n \\n16. STATUS \\n One-character field for agent\\u2019s status. The STATUS field is the only required entry in the \\nlower part of the screen, unless \\u201cT\\u201d or \\u201cV\\u201d are used, in which case TERM CODE is also \\nrequired. \\n blank active \\n H home office \\n I inactive \\n T terminated non-vested \\n V terminated vested \\n \\n17. HIRED \\n Date agent was hired, entered MMDDYYYY. Future date not accepted. \\n \\n18. TERMINATED \\n Date agent was terminated, entered as MMDDYYYY. Future date not accepted. \\n \\n19. DOB \\n Agent\\u2019s date of birth, MMDDYYYY. Future date not accepted. \\n \\n20. SEX \\n Gender of agent: F, M or blank.\"",
"file_name": "System Reference-LifeSys System Reference.pdf",
"page_label": "753"
},
{
"id": "9da0063a-1ab3-41d2-a3ab-809380dde43c",
"text": "\"Report Requester \\n \\n \\n\\u00a9 2023 NTT DATA, Inc. | Proprietary and Confidential | August 28, 2024 385 \\n \\n \\n \\nFuneral address control card (multiple cards allowed): \\n \\nPROTOTYPE \\nCCTCHSTSTSTSTSTSTSTSTSTSTSTSTSTSTSTSTSTSTSTSTSTSTSTSTSTSTSTSTSTST \\n \\n column entry \\n 1-2 company number \\n 3 address type: enter \\u2018F\\u2019 \\n 4-5 distribution channel for which addresses are to print. To print all funeral \\nhome addresses for states requested enter \\u201c**\\u201d. Otherwise, distribution \\nchannel must exactly match a valid funeral home distribution channel. \\n 6-7 leave blank \\n 8-67 thirty, 2-character fields for the postal abbreviation of the state in the \\nfuneral home address. When more than thirty states are needed, multiple \\ncontrol cards with the same distribution channel code may be used. To \\nrequest a funeral home address with an address state of blank use \\u201c**\\u201d. \\nWhen no states are requested, all funeral home addresses for the \\ndistribution channels requested will print. \\n \\nNOTE: Multiple control cards may be entered in any order. Agent and funeral home control \\ncards may be interspersed. \\n \\nReport Request L751 produces the following output: \\n \\n LSNAD751 Agent Address Files N751000 \\n LSNAD752 Funeral Home Address Labels N751010 \\n \\nMaximum number of requests per day: 198 \\n \\nNOTE: This request is client specific. \\n \\n \\n \\nRevised Q398\"",
"file_name": "Report Requester.pdf",
"page_label": "385"
},
{
"id": "528e5976-a019-4be5-8df8-2c26c40e2f0c",
"text": "\"System Reference Manual \\n \\n \\n \\n\\u00a9 2023 NTT DATA, Inc. | Proprietary and Confidential | July 5, 2024 753 \\n \\n \\n13. COUNTRY \\n Agent\\u2019s country of business. Use for non U.S. addresses. \\n \\n14. PHONE \\n Agent\\u2019s business and home phone numbers, include area code. Do not use spaces, \\ndashes, or parentheses; e.g., 4015551212. In some situations, the agent\\u2019s home phone \\nnumber field will have their fax number stored here. \\n \\n15. DISTRIB \\n Agent's distribution code. A five-digit code used for sorting mailings. This entry is \\noptional. \\n \\nNOTE: When CHANNEL and CLASS fields are required, this field will be populated with the \\ncorrect entry that matches the CHANNEL/CLASS combination. \\n \\n16. STATUS \\n One-character field for agent\\u2019s status. The STATUS field is the only required entry in the \\nlower part of the screen, unless \\u201cT\\u201d or \\u201cV\\u201d are used, in which case TERM CODE is also \\nrequired. \\n blank active \\n H home office \\n I inactive \\n T terminated non-vested \\n V terminated vested \\n \\n17. HIRED \\n Date agent was hired, entered MMDDYYYY. Future date not accepted. \\n \\n18. TERMINATED \\n Date agent was terminated, entered as MMDDYYYY. Future date not accepted. \\n \\n19. DOB \\n Agent\\u2019s date of birth, MMDDYYYY. Future date not accepted. \\n \\n20. SEX \\n Gender of agent: F, M or blank.\"",
"file_name": "System Reference-LifeSys System Reference.pdf",
"page_label": "753"
},
{
"id": "33691315-8cdb-4957-be20-51841f51354f",
"text": "\"System Reference Manual \\n \\n \\n \\n\\u00a9 2022 NTT DATA, Inc. | Proprietary and Confidential | April 20 2020 736 \\n \\n \\n13. COUNTRY \\n Agent\\u2019s country of business. Use for non U.S. addresses. \\n \\n14. PHONE \\n Agent\\u2019s business and home phone numbers, include area code. Do not use spaces, \\ndashes, or parentheses; e.g., 4015551212. In some situations, the agent\\u2019s home phone \\nnumber field will have their fax number stored here. \\n \\n15. DISTRIB \\n Agent's distribution code. A five-digit code used for sorting mailings. This entry is \\noptional. \\n \\nNOTE: When CHANNEL and CLASS fields are required, this field will be populated with the \\ncorrect entry that matches the CHANNEL/CLASS combination. \\n \\n16. STATUS \\n One-character field for agent\\u2019s status. The STATUS field is the only required entry in the \\nlower part of the screen, unless \\u201cT\\u201d or \\u201cV\\u201d are used, in which case TERM CODE is also \\nrequired. \\n blank active \\n H home office \\n I inactive \\n T terminated non-vested \\n V terminated vested \\n \\n17. HIRED \\n Date agent was hired, entered MMDDYYYY. Future date not accepted. \\n \\n18. TERMINATED \\n Date agent was terminated, entered as MMDDYYYY. Future date not accepted. \\n \\n19. DOB \\n Agent\\u2019s date of birth, MMDDYYYY. Future date not accepted. \\n \\n20. SEX \\n Gender of agent: F, M or blank.\"",
"file_name": "System Reference-Agency.pdf",
"page_label": "6"
},
{
"id": "9da0063a-1ab3-41d2-a3ab-809380dde43c",
"text": "\"Report Requester \\n \\n \\n\\u00a9 2023 NTT DATA, Inc. | Proprietary and Confidential | August 28, 2024 385 \\n \\n \\n \\nFuneral address control card (multiple cards allowed): \\n \\nPROTOTYPE \\nCCTCHSTSTSTSTSTSTSTSTSTSTSTSTSTSTSTSTSTSTSTSTSTSTSTSTSTSTSTSTSTST \\n \\n column entry \\n 1-2 company number \\n 3 address type: enter \\u2018F\\u2019 \\n 4-5 distribution channel for which addresses are to print. To print all funeral \\nhome addresses for states requested enter \\u201c**\\u201d. Otherwise, distribution \\nchannel must exactly match a valid funeral home distribution channel. \\n 6-7 leave blank \\n 8-67 thirty, 2-character fields for the postal abbreviation of the state in the \\nfuneral home address. When more than thirty states are needed, multiple \\ncontrol cards with the same distribution channel code may be used. To \\nrequest a funeral home address with an address state of blank use \\u201c**\\u201d. \\nWhen no states are requested, all funeral home addresses for the \\ndistribution channels requested will print. \\n \\nNOTE: Multiple control cards may be entered in any order. Agent and funeral home control \\ncards may be interspersed. \\n \\nReport Request L751 produces the following output: \\n \\n LSNAD751 Agent Address Files N751000 \\n LSNAD752 Funeral Home Address Labels N751010 \\n \\nMaximum number of requests per day: 198 \\n \\nNOTE: This request is client specific. \\n \\n \\n \\nRevised Q398\"",
"file_name": "Report Requester.pdf",
"page_label": "385"
},
{
"id": "a2410aff-de0a-4b4a-8242-3dba90e40d50",
"text": "\"The unique number assigned to identify each agent.\\u0007X(5).\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u00075.\\u0007AG-AGT-SUFFIX\\rNot used.\\u0007X.\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u00076.\\u0007AG-TYPE\\rRecord type. Must be \\\"200\\\" on agent hierarchy records.\\u0007X(3).\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u00077.\\u0007AG-EFF-DATE\\rEffective date in YYYYMMDD format. Earliest policy issue date under this hierarchy. Consists of:\\rAG-EFF-YR\\rAG-EFF-MO\\rAG-EFF-DA\\u0007X(8).\\r\\r\\r9(4).\\r99.\\r99.\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u00078.\\u0007AG-SUBCNT\\rSubcount for agents with more than one hierarchy at a time.\\u0007S9(3) C3.\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u00079.\\u0007AG-HIER-COUNT\\rNumber of entries in the \\\"AG-HIER-TABLE\\\".\\u0007S9(3) C3.\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u000710.\\u0007AG-COMM-METHOD\\rIndicates amounts commissions are based on. Valid values are:\\rblank or P - premium\\rF - face\\u0007X.\\r\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u000711.\\u0007AG-FILLER-AGENT\\rWriting agent number for the hierarchy table below. The sixth byte must be blank.\\u0007X(6).\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u000712.\\u0007AG-FILLER-SUBCNT\\rSubcount for the agent number above.\\u0007S9(3) C3.\\r\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u000713.\\u0007AG-RPT-LEVEL\\rAgent reporting level. This code controls statement creation and distribution. Valid values are:\\r\\\"1\\\" - associate\\r\\\"2\\\" - associate representative\\r\\\"3\\\" - district manager\\r\\\"4\\\" - regional director\\r\\\"5\\\" - state manager\\r\\\"6\\\" - executive director\\r\\\"7\\\" - marketing director\\rConsists of:\\r Reserved.\\r AG-RPT-LVL\\u0007X(2).\\r\\r\\r\\r\\r\\r\\r\\r\\r\\r\\rX.\\rX.\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u000714.\\u0007AG-CONT\\rAgent contract number.\\u0007X(5).\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u000715.\\u0007AG-COMM-PD\\rAgent payment code. Not used.\\u0007X.\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u000716.\\u0007AG-MKTG-ORG\\rMarketing organization. Unique for each company. Valid codes are: two spaces, an alphabetic character and a space, or two alphabetic characters.\\u0007XX.\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u000717.\\u0007AG-PCT\\rAG-RATE redefines AG-PCT\\rPercent or rate.\\u0007S9(3)V99 C3.\\rS9V9(4) C3.\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u000718.\\u0007AG-HIER-TABLE\\rAgent overwrite table occurs 92 times for fields \\\"AG-HT-AGENT\\\" through \\\"AG-HT-PCT\\\", for X(21) per occurrence. Contains all information on all overwriting agents. The maximum number of agents in any hierarchy from writing agent to home office cannot exceed 93. Order is lowest to highest agent in hierarchy.\\u0007X(1932).\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007 18A.\\u0007AG-HT-AGENT \\rAgent number, occurrence one.\\u0007X(6).\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007 18B.\\u0007AG-HT-SUBCNTX\\rSubcount for agents with more than one hierarchy at a time, occurrence one.\\u0007S9(3) C3.\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007 18C.\\u0007AG-HT-RPT-LEVEL\\rAgent reporting level, occurrence one. This code controls statement creation and distribution.\""
},
{
"id": "b1ce1f8d-a382-4b8f-bf22-d547cca93474",
"text": "\"Contains all information on all overwriting agents. The maximum number of agents in any hierarchy from writing agent to home office cannot exceed 93. Order is lowest to highest agent in hierarchy.\\u0007X(1932).\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007 18A.\\u0007AG-HT-AGENT \\rAgent number, occurrence one.\\u0007X(6).\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007 18B.\\u0007AG-HT-SUBCNTX\\rSubcount for agents with more than one hierarchy at a time, occurrence one.\\u0007S9(3) C3.\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007 18C.\\u0007AG-HT-RPT-LEVEL\\rAgent reporting level, occurrence one. This code controls statement creation and distribution. Valid values are:\\r\\\"1\\\" - associate\\r\\\"2\\\" - associate representative\\r\\\"3\\\" - district manager\\r\\\"4\\\" - regional director\\r\\\"5\\\" - state manager\\u0007X(2).\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\\"6\\\" - executive director\\r\\\"7\\\" - marketing director\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007 18D.\\u0007AG-HT-CONT\\rAgent contract number, occurrence one.\\u0007X(5).\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007 18E.\\u0007AG-HT-COMM-PD\\rAgent payment code, occurrence one. Not used.\\u0007X.\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007 18F.\\u0007AG-HT-MKTG-ORG\\rMarketing organization, occurrence one. Unique for each company. Valid codes are: two spaces, an alphabetic character and a space, or two alphabetic characters.\\u0007XX.\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007 18G.\\u0007AG-HT-PCT\\rAG-HT-RATE redefines AG-HT-PCT\\rPercent or rate.\\u0007S9(3)V99 C3.\\rS9V9(4) C3.\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007 18H. \\u0007Entry occurrences 2-91 of fields \\\"AG-HT-AGENT\\\" through \\\"AG-HT-MKTG-ORG\\\" above, for X(18) per occurrence.\\u0007X(1911).\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u000719.\\u0007Reserved.\\u0007X(19).\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\r\\t\\t\\t\\t\\t\\t\\rAGENT MASTER\\t\\t\\t2/12/99\\r\\r200 RECORD HIERARCHY RECORD\\r\\r\\r\\t\\t\\t\\t\\t\\tPage \\u0000\\r\\rAGENT MASTER\\t\\t 2/12/99\\r\\r200 RECORD HIERARCHY RECORD\\r\\rLRECL 2000 VB Minimum: one Maximum: one per hierarchy\\r\\rThis record will be created in the agent commission conversion system.\""
},
{
"id": "9da0063a-1ab3-41d2-a3ab-809380dde43c",
"text": "\"Report Requester \\n \\n \\n\\u00a9 2023 NTT DATA, Inc. | Proprietary and Confidential | August 28, 2024 385 \\n \\n \\n \\nFuneral address control card (multiple cards allowed): \\n \\nPROTOTYPE \\nCCTCHSTSTSTSTSTSTSTSTSTSTSTSTSTSTSTSTSTSTSTSTSTSTSTSTSTSTSTSTSTST \\n \\n column entry \\n 1-2 company number \\n 3 address type: enter \\u2018F\\u2019 \\n 4-5 distribution channel for which addresses are to print. To print all funeral \\nhome addresses for states requested enter \\u201c**\\u201d. Otherwise, distribution \\nchannel must exactly match a valid funeral home distribution channel. \\n 6-7 leave blank \\n 8-67 thirty, 2-character fields for the postal abbreviation of the state in the \\nfuneral home address. When more than thirty states are needed, multiple \\ncontrol cards with the same distribution channel code may be used. To \\nrequest a funeral home address with an address state of blank use \\u201c**\\u201d. \\nWhen no states are requested, all funeral home addresses for the \\ndistribution channels requested will print. \\n \\nNOTE: Multiple control cards may be entered in any order. Agent and funeral home control \\ncards may be interspersed. \\n \\nReport Request L751 produces the following output: \\n \\n LSNAD751 Agent Address Files N751000 \\n LSNAD752 Funeral Home Address Labels N751010 \\n \\nMaximum number of requests per day: 198 \\n \\nNOTE: This request is client specific. \\n \\n \\n \\nRevised Q398\"",
"file_name": "Report Requester.pdf",
"page_label": "385"
},
{
"id": "9da0063a-1ab3-41d2-a3ab-809380dde43c",
"text": "\"Report Requester \\n \\n \\n\\u00a9 2023 NTT DATA, Inc. | Proprietary and Confidential | August 28, 2024 385 \\n \\n \\n \\nFuneral address control card (multiple cards allowed): \\n \\nPROTOTYPE \\nCCTCHSTSTSTSTSTSTSTSTSTSTSTSTSTSTSTSTSTSTSTSTSTSTSTSTSTSTSTSTSTST \\n \\n column entry \\n 1-2 company number \\n 3 address type: enter \\u2018F\\u2019 \\n 4-5 distribution channel for which addresses are to print. To print all funeral \\nhome addresses for states requested enter \\u201c**\\u201d. Otherwise, distribution \\nchannel must exactly match a valid funeral home distribution channel. \\n 6-7 leave blank \\n 8-67 thirty, 2-character fields for the postal abbreviation of the state in the \\nfuneral home address. When more than thirty states are needed, multiple \\ncontrol cards with the same distribution channel code may be used. To \\nrequest a funeral home address with an address state of blank use \\u201c**\\u201d. \\nWhen no states are requested, all funeral home addresses for the \\ndistribution channels requested will print. \\n \\nNOTE: Multiple control cards may be entered in any order. Agent and funeral home control \\ncards may be interspersed. \\n \\nReport Request L751 produces the following output: \\n \\n LSNAD751 Agent Address Files N751000 \\n LSNAD752 Funeral Home Address Labels N751010 \\n \\nMaximum number of requests per day: 198 \\n \\nNOTE: This request is client specific. \\n \\n \\n \\nRevised Q398\"",
"file_name": "Report Requester.pdf",
"page_label": "385"
},
{
"id": "528e5976-a019-4be5-8df8-2c26c40e2f0c",
"text": "\"System Reference Manual \\n \\n \\n \\n\\u00a9 2023 NTT DATA, Inc. | Proprietary and Confidential | July 5, 2024 753 \\n \\n \\n13. COUNTRY \\n Agent\\u2019s country of business. Use for non U.S. addresses. \\n \\n14. PHONE \\n Agent\\u2019s business and home phone numbers, include area code. Do not use spaces, \\ndashes, or parentheses; e.g., 4015551212. In some situations, the agent\\u2019s home phone \\nnumber field will have their fax number stored here. \\n \\n15. DISTRIB \\n Agent's distribution code. A five-digit code used for sorting mailings. This entry is \\noptional. \\n \\nNOTE: When CHANNEL and CLASS fields are required, this field will be populated with the \\ncorrect entry that matches the CHANNEL/CLASS combination. \\n \\n16. STATUS \\n One-character field for agent\\u2019s status. The STATUS field is the only required entry in the \\nlower part of the screen, unless \\u201cT\\u201d or \\u201cV\\u201d are used, in which case TERM CODE is also \\nrequired. \\n blank active \\n H home office \\n I inactive \\n T terminated non-vested \\n V terminated vested \\n \\n17. HIRED \\n Date agent was hired, entered MMDDYYYY. Future date not accepted. \\n \\n18. TERMINATED \\n Date agent was terminated, entered as MMDDYYYY. Future date not accepted. \\n \\n19. DOB \\n Agent\\u2019s date of birth, MMDDYYYY. Future date not accepted. \\n \\n20. SEX \\n Gender of agent: F, M or blank.\"",
"file_name": "System Reference-LifeSys System Reference.pdf",
"page_label": "753"
},
{
"id": "33691315-8cdb-4957-be20-51841f51354f",
"text": "\"System Reference Manual \\n \\n \\n \\n\\u00a9 2022 NTT DATA, Inc. | Proprietary and Confidential | April 20 2020 736 \\n \\n \\n13. COUNTRY \\n Agent\\u2019s country of business. Use for non U.S. addresses. \\n \\n14. PHONE \\n Agent\\u2019s business and home phone numbers, include area code. Do not use spaces, \\ndashes, or parentheses; e.g., 4015551212. In some situations, the agent\\u2019s home phone \\nnumber field will have their fax number stored here. \\n \\n15. DISTRIB \\n Agent's distribution code. A five-digit code used for sorting mailings. This entry is \\noptional. \\n \\nNOTE: When CHANNEL and CLASS fields are required, this field will be populated with the \\ncorrect entry that matches the CHANNEL/CLASS combination. \\n \\n16. STATUS \\n One-character field for agent\\u2019s status. The STATUS field is the only required entry in the \\nlower part of the screen, unless \\u201cT\\u201d or \\u201cV\\u201d are used, in which case TERM CODE is also \\nrequired. \\n blank active \\n H home office \\n I inactive \\n T terminated non-vested \\n V terminated vested \\n \\n17. HIRED \\n Date agent was hired, entered MMDDYYYY. Future date not accepted. \\n \\n18. TERMINATED \\n Date agent was terminated, entered as MMDDYYYY. Future date not accepted. \\n \\n19. DOB \\n Agent\\u2019s date of birth, MMDDYYYY. Future date not accepted. \\n \\n20. SEX \\n Gender of agent: F, M or blank.\"",
"file_name": "System Reference-Agency.pdf",
"page_label": "6"
},
{
"id": "4997bcf5-7972-4fda-b0e6-f5adb273fe54",
"text": "\"System Reference Manual \\n \\n \\n \\n\\u00a9 2023 NTT DATA, Inc. | Proprietary and Confidential | July 5, 2024 1344 \\n \\n \\n5. TYPE \\n This field contains a one-digit code identifying the type of TAX ID entered. Required \\nwhen TAX ID is entered. Valid values are: \\n 1 Federal ID Number \\n 2 Social Security Number \\n \\n6. BEGIN DATE \\n This field identifies the date on which the funeral home was added to the system. This \\nmay be entered in MM/DD/YYYY or MMDDYYYY format. This will default to current date \\nwhen blank. \\n \\n7. DISTRIBUTION CENTER ID \\n The eight-position DISTRIBUTION CENTER ID code is a client defined code used to \\nattach a distribution center to the funeral home. \\n \\n The DISTRIBUTION CENTER ID may be modified when the operator security access \\nlevel is an eight. The DISTRIBUTION CENTER ID must be present on Screen 92/25 \\nprior to entry on a funeral home record. \\n \\n8. DIST CH \\n This two-position distribution channel code is a client defined code. \\n \\n9. ALTERNATE REPORTING ID \\n This is a twenty-position field for funeral home alternate reporting ID. \\n \\n10. ALTERNATE ADDR ID \\n This is a twelve-position field for funeral home alternate address ID. \\n \\n11. NON-MAILABLE \\n This is a one-position field designating whether address shown is a valid mailing \\naddress. Valid values are: \\nblank address is mailable \\nN address is not mailable \\n \\n12. PASSWORD \\n This field identifies the funeral home\\u2019s internet inquiry system password. This value may \\nonly be viewed and updated when access level is 8.\"",
"file_name": "System Reference-General Maintenance.pdf",
"page_label": "176"
}
],
"acceptance_criteria": [
"The system must allow only Allstate Agents and AFS Agents to access and distribute the product.",
"The system must validate the agent's distribution channel code to ensure it matches the Allstate Agent/AFS channels before allowing product distribution.",
"The system must log and report any attempts to distribute the product through unauthorized channels.",
"The system must provide a user interface for agents to verify their distribution channel status.",
"The system must ensure that the product distribution data is updated in real-time to reflect any changes in agent status or distribution channel codes.",
"The system must handle data entry for distribution channel codes accurately, ensuring that only valid codes are accepted.",
"The system must provide error messages and guidance if an agent attempts to distribute the product without the correct distribution channel code.",
"The system must integrate with existing agent management systems to verify agent status and distribution channel codes.",
"The system must ensure that all distribution channel codes are client-defined and can be modified only by users with the appropriate security access level.",
"The system must support reporting functionalities to track product distribution by channel and agent."
],
"created_at": "2025-01-28T22:12:01.714Z",
"updated_at": "2025-01-28T22:12:01.714Z"
},
{
"doc_uid": "8f68c38f-3267-47cc-9f3f-6d81f810cee6",
"uid": "9de8a36a-5746-4cbf-a35a-67c4aad3a3b8",
"ref_id": "CREQ-003 Underwriting Company",
"summary": "Update the underwriting system to support the integration of Allstate Life Insurance Company of New York, ensuring proper underwriting and regulatory compliance.\n\n\n\n**Current client process**:\n\nCurrently, the underwriting process is managed by Allstate Assurance Company, with plans to include Allstate Life Insurance Company of New York. The system does not yet support the integration of underwriting processes for both companies, which is necessary for regulatory compliance and efficient policy management.",
"references": [
{
"id": "bb262f56-c7f0-479d-8654-7100b8136456",
"text": "\"Underwriter Workdesk \\n \\n \\n \\n\\u00a9 2016 NTT DATA, Inc. | Proprietary and Confidential | March 29, 2017 14 \\n \\n \\n7. UW Admin \\nThis column displays the Underwriting (UW) Admin team member assigned to the policy. This name \\nis formatted as Last, First. \\n \\n8. Tasks \\nThe Tasks column indicates if there are any pending tasks for the policy. Valid values are: \\nY Yes, there are pending tasks for the policy \\nN No, there are no pending tasks for the policy \\n \\n9. App Date \\nThe App Date column displays the application signature date. This date is transferred from \\ninformation entered in LifeSys on the Application Initial Entry (01) screen. \\n \\n10. Team \\nA company defined team to complete Underwriting and processing during the Underwriting stage for \\nthe policy. \\n \\n11. Days \\nThe Days field indicates the number of days that the application has been in the Underwriter \\nWorkdesk for processing. \\n \\n12. Prod \\nThis field displays a code that indicates the product applied for. The products and the codes used to \\nidentify the product vary by company. \\n \\n13. Reassign \\nThis button allows the user to reassign the application to a different Underwriter, Underwriter Admin \\nor OTAF Admin user using the Policy Reassignment screen. This button will only display for users \\nwhose profiles allow policy reassignment. \\n \\nThis button is used in conjunction with the Selection Box at the beginning of each policy row. \\nWhen the Reassign button is selected, the user advances to the Policy Reassignment screen. \\n \\n14. Set Priority to: \\nThe default Priority for policies is \\u201cNormal\\u201d. If a user needs to change the Priority, they will use this \\nfield. \\n \\nThe Set Priority to field is used in conjunction with the selection boxes for each policy. Once a user \\nhas selected the checkbox on the row for the policy, this field is used to select a priority to assign or \\nreassign the priority to. Valid options are: \\nNormal\"",
"file_name": "PC Application Manuals-Underwriter Workdesk.pdf",
"page_label": "14"
},
{
"id": "69582189-253f-4315-b842-d8830e76f311",
"text": "\"bp Workdesk \\n \\n \\n \\n\\u00a9 2016 NTT DATA, Inc. | Proprietary and Confidential | March 28, 2017 19 \\n \\n \\n5. UW Admin \\nThis column displays the Underwriting (UW) Admin team member assigned to the policy. This name \\nis formatted as Last, First. \\n \\n6. OTAF Admin \\nThis column displays the Other Than Applied For (OTAF) Admin team member assigned to the \\npolicy. This name is formatted as Last, First. \\n \\n7. Tasks \\nThe Tasks column indicates if there are any pending tasks for the policy. Valid values are: \\nY Yes, there are pending tasks for the policy \\nN No, there are no pending tasks for the policy \\n \\n8. AppDate \\nThe AppDate column displays the application signature date in the format MM/DD/YYYY. This date \\nis transferred from information entered in LifeSys on the Application Initial Entry (01) screen. \\n \\n10. Team \\nA company-defined team to complete Underwriting and processing during the Underwriting stage for \\nthe policy. \\n \\n11. Days \\nThe Days field indicates the number of days that the application has been in the Underwriter \\nWorkdesk for processing. \\n \\n12. Prod \\nThis field displays a code that indicates the product applied for. The products and the codes used to \\nidentify the product vary by company. \\n \\nSearch Window \\n1. Search Type \\nThe Search Type drop down menu allows the user to select which fields of information to use when \\ncompleting a search. Options include: \\nPolicy Number Only search Policy number field \\nApplicant Name Only search Applicant name information \\nSocial Security Number Only search Social Security Number (SSN) field \\nAll Search Policy number, Applicant name and Social Security \\nNumber (SSN) \\nIntray Creates a drop down menu in the Criteria field to search a \\nspecific user\\u2019s Intray \\n \\nThis field is used in conjunction with the Criteria field.\"",
"file_name": "PC Application Manuals-bp Workdesk.pdf",
"page_label": "19"
},
{
"id": "d2327b21-71f6-4339-bd86-25587581476a",
"text": "\"System Reference Manual \\n \\n \\n \\n\\u00a9 2023 NTT DATA, Inc. | Proprietary and Confidential | July 5, 2024 1266 \\n \\n \\n4. RUN UNDERWRITER EXTRACT \\nThis field indicates if the Underwriter extract should be run for the company. Valid values \\nare: \\nY Yes \\nN No \\n \\n5. CREATE UNDERWRITER \\u2018AH\\u2019 IN STEP 007 \\n This one digit field is used to indicate which status to create the underwriter step in \\nworkflow for a policy that is COVERAGE TYPE \\u201cAH\\u201d and has reached STEP \\u201c007\\u201d. \\n \\n6. CREATE UNDERWRITER \\u2018AH\\u2019 IN STEP 008 \\n This one digit field is used to indicate what status to create the underwriter step in work \\nflow for a policy that is COVERAGE TYPE \\u201cAH\\u201d and has reached STEP \\u201c008\\u201d. \\n \\n7. CREATE UNDERWRITER \\u2018LI\\u2019 IN STEP 007 \\n This one digit field is used to indicate what status to create the underwriter step in work \\nflow for a policy that is COVERAGE TYPE \\u201cLI\\u201d and has reached STEP \\u201c007\\u201d. \\n \\n8. CREATE UNDERWRITER \\u2018LI\\u2019 IN STEP 008 \\n This one digit field is used to indicate what status to create the underwriter step in work \\nflow for a policy that is COVERAGE TYPE \\u201cLI\\u201d and has reached STEP \\u201c008\\u201d. \\n \\n9. CREATE UNDERWRITER \\u2018AN\\u2019 IN STEP 007 \\n This one digit field is used to indicate what status to create the underwriter step in work \\nflow for a policy that is COVERAGE TYPE \\u201cAN\\u201d and has reached STEP \\u201c007\\u201d. \\n \\n10. CREATE UNDERWRITER \\u2018AN\\u2019 IN STEP 008 \\n This one digit field is used to indicate what status to create the underwriter step in work \\nflow for a policy that is COVERAGE TYPE \\u201cAN\\u201d and has reached STEP \\u201c008\\u201d. \\n \\n11. SPLIT BY LIFE AND ANNUITY \\n Entering \\u201cY\\u201d in this field tells the system to separate reporting of tasks by type of \\ninsurance product for which the task was created. \\u201cN\\u201d in this field tells the system not to \\ndifferentiate Life policy tasks from Annuity policy tasks for reporting purposes. All tasks \\nshow in the LIFE reports when \\u201cN\\u201d is in this field.\"",
"file_name": "System Reference-LifeSys System Reference.pdf",
"page_label": "1266"
},
{
"id": "0e56f1f4-9504-486d-809c-fe2d14b3d072",
"text": "\"System Reference Manual \\n \\n \\n \\n\\u00a9 2023 NTT DATA, Inc. | Proprietary and Confidential | July 5, 2024 1266 \\n \\n \\n4. RUN UNDERWRITER EXTRACT \\nThis field indicates if the Underwriter extract should be run for the company. Valid values \\nare: \\nY Yes \\nN No \\n \\n5. CREATE UNDERWRITER \\u2018AH\\u2019 IN STEP 007 \\n This one digit field is used to indicate which status to create the underwriter step in \\nworkflow for a policy that is COVERAGE TYPE \\u201cAH\\u201d and has reached STEP \\u201c007\\u201d. \\n \\n6. CREATE UNDERWRITER \\u2018AH\\u2019 IN STEP 008 \\n This one digit field is used to indicate what status to create the underwriter step in work \\nflow for a policy that is COVERAGE TYPE \\u201cAH\\u201d and has reached STEP \\u201c008\\u201d. \\n \\n7. CREATE UNDERWRITER \\u2018LI\\u2019 IN STEP 007 \\n This one digit field is used to indicate what status to create the underwriter step in work \\nflow for a policy that is COVERAGE TYPE \\u201cLI\\u201d and has reached STEP \\u201c007\\u201d. \\n \\n8. CREATE UNDERWRITER \\u2018LI\\u2019 IN STEP 008 \\n This one digit field is used to indicate what status to create the underwriter step in work \\nflow for a policy that is COVERAGE TYPE \\u201cLI\\u201d and has reached STEP \\u201c008\\u201d. \\n \\n9. CREATE UNDERWRITER \\u2018AN\\u2019 IN STEP 007 \\n This one digit field is used to indicate what status to create the underwriter step in work \\nflow for a policy that is COVERAGE TYPE \\u201cAN\\u201d and has reached STEP \\u201c007\\u201d. \\n \\n10. CREATE UNDERWRITER \\u2018AN\\u2019 IN STEP 008 \\n This one digit field is used to indicate what status to create the underwriter step in work \\nflow for a policy that is COVERAGE TYPE \\u201cAN\\u201d and has reached STEP \\u201c008\\u201d. \\n \\n11. SPLIT BY LIFE AND ANNUITY \\n Entering \\u201cY\\u201d in this field tells the system to separate reporting of tasks by type of \\ninsurance product for which the task was created. \\u201cN\\u201d in this field tells the system not to \\ndifferentiate Life policy tasks from Annuity policy tasks for reporting purposes. All tasks \\nshow in the LIFE reports when \\u201cN\\u201d is in this field.\"",
"file_name": "System Reference-General Maintenance.pdf",
"page_label": "98"
},
{
"id": "e3278be8-aa93-45a5-a647-725c0ddb7d73",
"text": "\"Mapping Matrix 2 \\nTAITAIX \\n Lifesys Screen CalcFocus Screen Source \\nField # Field Name Start\\nPos. End\\nPos. Field \\nLength Format Definition/\\nField Description Client Logic LifeSys Source:\\nScreen/Display Name LifeSys Source:\\nCOBOL Name LifeSys Translation/Mapping Questions / Comments Left Nav Section Field Left Nav Section Field Static Value Mapped?\\n1 CO 1 3 3 X(3) Processing company number, usually a 3-character alpha abbreviation of the company name. \\nFollow \\\"EVL Company Numbers\\\" tab TAI mapping (column J). \\nIf company code is 1, 4, 5, 11, 12, 14, 23, C5, C1, C4, A0, or A1, send 030\\nIf company code is 21, send 033\\nIf company code is 16 send 333\\nIf company code is 6, 19, or C0, send 034\\nIf company code is 22, send 130\\nIf company code is 7 send 399\\nIf company code is C6, send 432\\nIf company code is 66, send 374\\n\\nCompany code must be 3 characters.\\n\\nNewly issue policies at the new admin system will need to be created using Allstate company codes mentioned above.\\n\\nCO field must not be blank.\\n 21/K OLD CO\\n21/1 BLOCK SRC-OLD-CO\\nLM-LOB-BLOCK If SRC-OLD-CO value is 1, 4, 5, 11, 12, 14, 23, C5, C1, C4, A0, or A1, send 030\\nIf SRC-OLD-CO value is 21, send 033\\nIf SRC-OLD-CO value is 16 send 333\\nIf SRC-OLD-CO value is 6, 19, or C0, send 034\\nIf SRC-OLD-CO value is 22, send 130\\nIf SRC-OLD-CO value is 7 send 399\\nIf SRC-OLD-CO value is C6, send 432\\nIf SRC-OLD-CO value is 66, send 374\\nIf SRC-OLD-CO value is Blank then fetch value from \\\"LM-LOB-BLOCK\\\" and send value as below \\n if LM-LOB-BLOCK value is \\\"ELIC\\\" , send 033\\n if LM-LOB-BLOCK value is EAC, send 432\\n if LM-LOB-BLOCK value is SLIC, send 033\\n if LM-LOB-BLOCK value is LBL, send 034\\n\\n not on screen \\n2 POL 4 13 10 X(10) Contractual Policy number Send the contracual policy number that the policy was issued with. \\nNote: Some Surety policies are AXX where XX is spaces. Also there are policy number that start with 3 blank spaces. These spaces must be present and they are part of the SOX control positions) 21/3 OLD POLICY LM-OLD-POLICY Old Allstate Policy Number.\\nFor Base and Rider, Send first 10 Characters of LM-OLDPOL\\n\\nFor new policies issued in Lifesys, Populate LM-POL\\n\\nNote for Phase 3: if there is a policy rebuilt in Lifesys, then original mapping of the policy number should be maintained. Policy Top Policy Number Mapped\\n. COV 14 15 2 X(2). Sequence number of Coverage as it was on the Allstate admin system COV field is not available in Lifesys. Hence, NTT will receive all policy/rider numbers and their corresponding COV numbers store in a side file and passed on to TAI extract.\\n\\nAfter migration, for any Rider added to a policy, the COV number to be designated as: Rider X (newly added in Lifesys) should be numbered as below, unless there is a record of the rider in the side file.\\nRider A \\u2013 51; Rider B \\u2013 52; Rider C \\u2013 53; Rider D \\u2013 54; Rider E \\u2013 55 and so on\\nNote: Side file should never be modified.\\n\\nAny newly issued policy post conversion, the base should have a COV of '01'. Riders will follow the above statement. \\nFor SRC-OLD-CO value starts with C (i.e. Cyberlife) & for SRC-OLD-CO value starts with A (i.e. Atlas),\\n\\nCOV is the 2 digit record number (Phase + Subphase Codes) assigned to each coverage records, which are received in NF files.\""
},
{
"id": "d2327b21-71f6-4339-bd86-25587581476a",
"text": "\"System Reference Manual \\n \\n \\n \\n\\u00a9 2023 NTT DATA, Inc. | Proprietary and Confidential | July 5, 2024 1266 \\n \\n \\n4. RUN UNDERWRITER EXTRACT \\nThis field indicates if the Underwriter extract should be run for the company. Valid values \\nare: \\nY Yes \\nN No \\n \\n5. CREATE UNDERWRITER \\u2018AH\\u2019 IN STEP 007 \\n This one digit field is used to indicate which status to create the underwriter step in \\nworkflow for a policy that is COVERAGE TYPE \\u201cAH\\u201d and has reached STEP \\u201c007\\u201d. \\n \\n6. CREATE UNDERWRITER \\u2018AH\\u2019 IN STEP 008 \\n This one digit field is used to indicate what status to create the underwriter step in work \\nflow for a policy that is COVERAGE TYPE \\u201cAH\\u201d and has reached STEP \\u201c008\\u201d. \\n \\n7. CREATE UNDERWRITER \\u2018LI\\u2019 IN STEP 007 \\n This one digit field is used to indicate what status to create the underwriter step in work \\nflow for a policy that is COVERAGE TYPE \\u201cLI\\u201d and has reached STEP \\u201c007\\u201d. \\n \\n8. CREATE UNDERWRITER \\u2018LI\\u2019 IN STEP 008 \\n This one digit field is used to indicate what status to create the underwriter step in work \\nflow for a policy that is COVERAGE TYPE \\u201cLI\\u201d and has reached STEP \\u201c008\\u201d. \\n \\n9. CREATE UNDERWRITER \\u2018AN\\u2019 IN STEP 007 \\n This one digit field is used to indicate what status to create the underwriter step in work \\nflow for a policy that is COVERAGE TYPE \\u201cAN\\u201d and has reached STEP \\u201c007\\u201d. \\n \\n10. CREATE UNDERWRITER \\u2018AN\\u2019 IN STEP 008 \\n This one digit field is used to indicate what status to create the underwriter step in work \\nflow for a policy that is COVERAGE TYPE \\u201cAN\\u201d and has reached STEP \\u201c008\\u201d. \\n \\n11. SPLIT BY LIFE AND ANNUITY \\n Entering \\u201cY\\u201d in this field tells the system to separate reporting of tasks by type of \\ninsurance product for which the task was created. \\u201cN\\u201d in this field tells the system not to \\ndifferentiate Life policy tasks from Annuity policy tasks for reporting purposes. All tasks \\nshow in the LIFE reports when \\u201cN\\u201d is in this field.\"",
"file_name": "System Reference-LifeSys System Reference.pdf",
"page_label": "1266"
},
{
"id": "0e56f1f4-9504-486d-809c-fe2d14b3d072",
"text": "\"System Reference Manual \\n \\n \\n \\n\\u00a9 2023 NTT DATA, Inc. | Proprietary and Confidential | July 5, 2024 1266 \\n \\n \\n4. RUN UNDERWRITER EXTRACT \\nThis field indicates if the Underwriter extract should be run for the company. Valid values \\nare: \\nY Yes \\nN No \\n \\n5. CREATE UNDERWRITER \\u2018AH\\u2019 IN STEP 007 \\n This one digit field is used to indicate which status to create the underwriter step in \\nworkflow for a policy that is COVERAGE TYPE \\u201cAH\\u201d and has reached STEP \\u201c007\\u201d. \\n \\n6. CREATE UNDERWRITER \\u2018AH\\u2019 IN STEP 008 \\n This one digit field is used to indicate what status to create the underwriter step in work \\nflow for a policy that is COVERAGE TYPE \\u201cAH\\u201d and has reached STEP \\u201c008\\u201d. \\n \\n7. CREATE UNDERWRITER \\u2018LI\\u2019 IN STEP 007 \\n This one digit field is used to indicate what status to create the underwriter step in work \\nflow for a policy that is COVERAGE TYPE \\u201cLI\\u201d and has reached STEP \\u201c007\\u201d. \\n \\n8. CREATE UNDERWRITER \\u2018LI\\u2019 IN STEP 008 \\n This one digit field is used to indicate what status to create the underwriter step in work \\nflow for a policy that is COVERAGE TYPE \\u201cLI\\u201d and has reached STEP \\u201c008\\u201d. \\n \\n9. CREATE UNDERWRITER \\u2018AN\\u2019 IN STEP 007 \\n This one digit field is used to indicate what status to create the underwriter step in work \\nflow for a policy that is COVERAGE TYPE \\u201cAN\\u201d and has reached STEP \\u201c007\\u201d. \\n \\n10. CREATE UNDERWRITER \\u2018AN\\u2019 IN STEP 008 \\n This one digit field is used to indicate what status to create the underwriter step in work \\nflow for a policy that is COVERAGE TYPE \\u201cAN\\u201d and has reached STEP \\u201c008\\u201d. \\n \\n11. SPLIT BY LIFE AND ANNUITY \\n Entering \\u201cY\\u201d in this field tells the system to separate reporting of tasks by type of \\ninsurance product for which the task was created. \\u201cN\\u201d in this field tells the system not to \\ndifferentiate Life policy tasks from Annuity policy tasks for reporting purposes. All tasks \\nshow in the LIFE reports when \\u201cN\\u201d is in this field.\"",
"file_name": "System Reference-General Maintenance.pdf",
"page_label": "98"
},
{
"id": "8750e770-0466-4934-bc97-5ea91d994513",
"text": "\"Knowledge Management System \\n \\n \\n \\n\\u00a9 2016 NTT DATA, Inc. | Proprietary and Confidential | March 29, 2017 5 \\n \\n \\nConfiguration \\nThe Configuration Manager is utilized in various PSIS PC Applications. Few associates have access to the \\nConfiguration Manager. The Configuration link will display on the Portal Menu only for those associates \\nwith the proper security access level. \\n \\nIn association with the Knowledge Management System (KMS), the Configuration Manager has a tool \\nknown as Manage Keywords. Manage Keywords facilitates the set up and maintenance of procedure \\nkeywords. Keywords are relational words that are \\u201cattached\\u201d to a procedure(s) as a means to quickly \\nlocate certain procedural information or specific procedures. The structure of the keywords builds the \\nkeyword hierarchy. \\n \\nThe keyword management tool is accessed via the Portal\\u2019s Configuration link under the TAG (3001) \\ncompany. There will be other tools (links) listed under the Configuration Manager. Tools to which the user \\ndoes not have access are grayed out. The Manage Keywords link is selected to add, modify or delete \\nkeywords. \\n \\n \\n \\nThe Manage Keyword\\u2019s main page defaults to view mode and displays how the hierarchy of all keywords is \\ncurrently positioned. The hierarchy viewed at the PSIS level will be the same for all individual company \\nlevels as well. \\n \\nThe keyword hierarchy is created and maintained in a manner that facilitates the quick location of \\nprocedural information or specific procedures.\"",
"file_name": "PC Application Manuals-Knowledge Management System.pdf",
"page_label": "5"
}
],
"acceptance_criteria": [
"The system must allow policies to be underwritten by both Allstate Assurance Company and Allstate Life Insurance Company of New York.",
"The system must display the correct underwriting company based on the policy's issuing company code.",
"The system must ensure that all regulatory compliance checks are performed for policies underwritten by Allstate Life Insurance Company of New York.",
"The system must allow the reassignment of policies between underwriters from both Allstate Assurance Company and Allstate Life Insurance Company of New York.",
"The system must correctly display the Underwriting (UW) Admin team member assigned to the policy, formatted as Last, First.",
"The system must indicate if there are any pending tasks for the policy with valid values: Y (Yes) or N (No).",
"The system must display the application signature date (App Date) in the format MM/DD/YYYY.",
"The system must track the number of days the application has been in the Underwriter Workdesk for processing.",
"The system must display the product code indicating the product applied for, with codes varying by company.",
"The system must allow users to reassign the application to a different Underwriter, Underwriter Admin, or OTAF Admin user using the Policy Reassignment screen.",
"The system must allow users to set the priority of policies to 'Normal' or other valid options as defined.",
"The system must support the creation of underwriter steps in the workflow for policies with different coverage types (AH, LI, AN) at specified steps (007, 008).",
"The system must separate reporting of tasks by type of insurance product (Life or Annuity) if specified.",
"The system must ensure that the underwriter extract can be run for the company with valid values: Y (Yes) or N (No)."
],
"created_at": "2025-01-28T22:12:01.714Z",
"updated_at": "2025-01-28T22:12:01.714Z"
},
{
"doc_uid": "8f68c38f-3267-47cc-9f3f-6d81f810cee6",
"uid": "786b7777-d133-4b00-b09a-72910e16e561",
"ref_id": "CREQ-004 Target Market",
"summary": "Add a feature to direct marketing and sales efforts towards clients seeking term coverage to protect income for a limited time. This feature will ensure that the appropriate customer segment is targeted effectively.\n\n\n\n**Current client process**:\n\nCurrently, marketing and sales efforts are not specifically directed towards clients seeking term coverage to protect income for a limited time. This results in inefficient targeting and potential loss of sales opportunities.",
"references": [
{
"id": "46c32dcd-d269-48f0-9626-fe386b03e0f2",
"text": "\"\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000LSNCSTT\\tVersion 0001\\r\\rLRECL = 80\\tMinimum: 0\\tMaximum: 1\\r\\rThis segment is used to store information required to process Cash Plus, Target Term and Term Purchase Option products. This segment is required for all policies in these product types.\\r\\r1.\\u0007Reserved. Maintained by segment routines.\\u0007X(6).\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u00072.\\u0007LM-TT-LAST-ANNIV-PROC\\rThis field is used in the calculation of cash value amounts. \\rLM-TT-LAST-ANNIV-YYYY\\rLM-TT-LAST-ANNIV-MM\\rLM-TT-LAST-ANNIV-DD\\u0007X(8)\\r\\rX(4).\\rX(2).\\rX(2).\\u00073109\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u00073.\\u0007LM-TT-TOTPUA\\rThis field contains the total Paid Up Additions (PUA) amount for cash plus products. Default value is zero.\\u0007S9(9)V99 C3.\\u00073110\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u00074.\\u0007LM-TT-TARGET-FACE\\rThis field contains the target face amount from the cash plus record. Default value is zero.\\u0007S9(9)V99 C3\\u00073111\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u00075.\\u0007LM-TT-TARGET-PREM\\rThis field contains the LM-TT-TARGET-PREM from the cash plus record unless there is only a term purchase option coverage in which case it is from the term purchase option record.\\u0007S9(9)V99 C3\\u00073112\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u00076.\\u0007LM-TT-ALLOC-PREM\\rThis field contains either the Cash Plus (CP), Target Term Rider (TTR) or Term Purchase Option (TPO) allocated premium depending on type of coverage.\\u0007S9(9)V99 C3\\u00073113\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u00077.\\u0007LM-TT-TARGET-FACE-NEXT\\rThis field contains the target face next amount from the cash plus record. Default value is zero.\\u0007S9(9)V99 C3\\u00073114\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u00078.\\u0007LM-TARGET-PREM-NEXT\\rThis field contains the target premium next amount from the cash plus record. Default value is zero.\\u0007S9(9)V99 C3\\u00073115\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u00079.\\u0007LM-TT-PRIOR-FACE\\rThis field contains the prior face amount from the cash plus record. Default value is zero.\\u0007S9(9)V99 C3\\u00073116\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u000710.\\u0007LM-TT-PRIOR-TOTPUA\\rThis field contains the prior total Paid Up Additions (PUA) amount for cash plus products. Default value is zero.\\u0007S9(9)V99 C3\\u00073117\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u000711.\\u0007LM-TT-EXCESS-INT\\rThis field contains the excess interest amount for cash plus products. Default value is zero.\""
},
{
"id": "433bc2d6-6166-4d3c-93ec-b064a8ea162f",
"text": "\"System Reference Manual \\n \\n \\n \\n\\u00a9 2023 NTT DATA, Inc. | Proprietary and Confidential | July 5, 2024 233 \\n \\n \\n21/2.3: Cash Plus Information \\nDisplay Screen \\nThis screen is used to store and display information for client specific Interest Sensitive Whole \\nLife products that earn interest credits used to purchase additional paid up insurance and term \\nrider options. The rider options are set up to meet a policyowner\\u2019s chosen target death benefit \\nthrough annual renewable term coverage. \\n \\nThis screen will display within the Policy Maintenance screens for the client specific policies \\nwhen a TT segment is present on the policy. \\n \\nThe Cash Plus Information Display (21/2.3) Screen \\n \\n \\nField Descriptions \\n1. POLICY ID \\nTen-digit field for policy number including rider code. \\n \\n2. PLAN \\nSix-digit plan code. \\n \\n3. OPT \\nTwo-digit plan code option.\"",
"file_name": "System Reference-LifeSys System Reference.pdf",
"page_label": "233"
},
{
"id": "a285219b-c631-46b2-9300-a3262546fd2a",
"text": "\"System Reference Manual \\n \\n \\n \\n\\u00a9 2023 NTT DATA, Inc. | Proprietary and Confidential | July 5, 2024 1526 \\n \\n \\n Date plan data is in effect. Do not enter on this screen. \\n \\n6. APPLICATION FORMS ALLOWED \\nThis area allows the user to enter the application forms allowed for use on base \\ncoverage. This area allows for the entry of up to eight application forms. Each \\napplication form value can have up to eight characters. \\n \\n7. GENERIC PLAN DESC \\nThis field allows the user to enter the plan description. This field is a maximum of 30 \\ncharacters. This is used to print on facing sheets. \\n \\n8. ADDL DEP METHOD \\nThis field indicates if additional premiums are allowed for the plan. If allowed, the PCT \\nand MIN fields indicate additional amount limits. If additional premiums do not meet \\ncriteria, error messages will display on the Financial Transaction (22/2) screen. Valid \\nvalues are: \\nBlank Additional premiums not allowed \\n01 Allow additional premiums (used for MYGA policies only) \\n \\n9. PRODUCT CATEGORY \\n Maximum 30 character description. Information (marketing name) provided within this \\nfield is used in the creation of the monthly Policy Status report for specific companies, \\nenabling the output report to be sorted by product name. \\n \\n10. MIN \\nThis field displays the minimum additional contribution amount allowed. Valid values are: \\nBlank Plan does not allow additional contributions (the field \\nADDL DEP METHOD indicates if premiums allowed) \\n 0-9,999,999.99 Minimum amount of contribution \\n \\nNOTE: If additional contributions do not meet this amount, the error \\u2018AMOUNT DOES NOT \\nMEET MIN REQD\\u2019 will display on the Financial Transaction (22/2) screen and the transaction \\ncannot be processed. \\n \\n11. STATE AUTH FORM NUMBER FOR FACING SHEETS \\n Maximum 8 character description.\"",
"file_name": "System Reference-LifeSys System Reference.pdf",
"page_label": "1526"
},
{
"id": "10528a99-ea26-4a94-b335-a499abd8c36d",
"text": "\"System Reference Manual \\n \\n \\n \\n\\u00a9 2023 NTT DATA, Inc. | Proprietary and Confidential | July 5, 2024 1526 \\n \\n \\n Date plan data is in effect. Do not enter on this screen. \\n \\n6. APPLICATION FORMS ALLOWED \\nThis area allows the user to enter the application forms allowed for use on base \\ncoverage. This area allows for the entry of up to eight application forms. Each \\napplication form value can have up to eight characters. \\n \\n7. GENERIC PLAN DESC \\nThis field allows the user to enter the plan description. This field is a maximum of 30 \\ncharacters. This is used to print on facing sheets. \\n \\n8. ADDL DEP METHOD \\nThis field indicates if additional premiums are allowed for the plan. If allowed, the PCT \\nand MIN fields indicate additional amount limits. If additional premiums do not meet \\ncriteria, error messages will display on the Financial Transaction (22/2) screen. Valid \\nvalues are: \\nBlank Additional premiums not allowed \\n01 Allow additional premiums (used for MYGA policies only) \\n \\n9. PRODUCT CATEGORY \\n Maximum 30 character description. Information (marketing name) provided within this \\nfield is used in the creation of the monthly Policy Status report for specific companies, \\nenabling the output report to be sorted by product name. \\n \\n10. MIN \\nThis field displays the minimum additional contribution amount allowed. Valid values are: \\nBlank Plan does not allow additional contributions (the field \\nADDL DEP METHOD indicates if premiums allowed) \\n 0-9,999,999.99 Minimum amount of contribution \\n \\nNOTE: If additional contributions do not meet this amount, the error \\u2018AMOUNT DOES NOT \\nMEET MIN REQD\\u2019 will display on the Financial Transaction (22/2) screen and the transaction \\ncannot be processed. \\n \\n11. STATE AUTH FORM NUMBER FOR FACING SHEETS \\n Maximum 8 character description.\"",
"file_name": "System Reference-General Maintenance.pdf",
"page_label": "358"
},
{
"id": "80d4220d-5fbc-4595-9551-e38d71851405",
"text": "\"Automated Reports \\n \\n \\n \\n\\u00a9 2017 NTT DATA, Inc. | Proprietary and Confidential | March 20, 2017 126 \\n \\n \\nThis report will include policies that reached the maximum benefit payout for an AB type as of the cycle \\ndate. AB types \\u201c032\\u201d and \\u201c033\\u201d will not be included in reporting. This report is in comma-delimited format for \\nimport into another program for processing. The report will include group, group description, group policy, \\npolicy number and rider code, AB type, AB type description, coverage, claimant, maximum benefit amount \\nand total paid. \\n \\nAction: Each record will create a workflow task to be worked by the administrative team. They will \\nupdate processing and premium accordingly. \\n \\nNL22000: Market Allowance Error Report \\nLSNRP662 NL22000 \\n \\nThis report will generate an error report and modified current transaction extract file used to determine the \\nerrors. This will be generated weekly on Wednesdays to identify any premiums that cannot be assessed a \\nmarketing allowance. This report will be generated for companies 1S, 1T, 1U, 1W, 5S, 5T, 5U, 5W, 6S, 6T, \\n6U and 6W. \\n \\nAction: This report should be reviewed weekly when generated to correct errors so that reporting is \\ncorrect for the Marketing Allowance report. \\n \\n \\n \\nNL22010: Marketing Allowance Report \\nLSNRP662 NL22010 \\n \\nThe Marketing Allowance report will be run every Friday. This report will produce a market allowance report \\n(extract file), marketing allowance error report, modified current transaction extract file, marketing allowance \\nproduct category file and prior date file. \\n \\nThe Marketing Allowance report will contain information on every premium received, reversed and \\nreallocated in the selected time frame and the associated marketing allowance rate. The report will contain \\ntwo sections. The first section will consist of a summary of the total fees due per product as well as a grand \\ntotal for all products. The second section will detail the premium received and reversed for each policy \\nwithin the product. This report will be generated for companies 1S, 1T, 1U, 1W, 5S, 5T, 5U, 5W, 6S, 6T, 6U \\nand 6W. \\n \\nAction: This report should be reviewed when generated to ensure accurate reporting to the client.\"",
"file_name": "Automated Reports Manual.pdf",
"page_label": "126"
},
{
"id": "e014b959-6f88-4edf-bc2b-b4639d7239de",
"text": "\"Same values as minimum face amount/units method one.\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u000789 - maximum face amount/units method two code. Same values as minimum face amount/units method one.\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u000790 - maximum face amount/units method three code. Same values as minimum face amount/units method one.\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u000791 - multiple minimum method selection code. Valid values are:\\r\\\"001\\\" - use method yielding lowest minimum\\r\\\"002\\\" - use method yielding greatest minimum\\r\\\"003\\\" - lowest/greatest does not apply\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u000792 - multiple maximum method selection code. Valid values are:\\r\\\"001\\\" - use method yielding lowest maximum\\r\\\"002\\\" - use method yielding greatest maximum.\\r\\\"003\\\" - lowest/greatest does not apply\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u000793 - face amount combined with primary ins code, indicating if term riders may qualify to have the face amount combined with the face amount of the basic benefit if the rider is attached to the primary insured. Valid values are:\\r001 - does not qualify\\r002 - face amount may be considered for combination with face amount on primary insured\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u000794 - minimum premium code. Valid values are:\\r\\\"001\\\" - not required\\r\\\"002\\\" - calculate annual minimum premium\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u000795 - target premium code. Valid values are:\\r\\\"001\\\" - not required\\r\\\"002\\\" - calculate annual target premium\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u000796 - cost of insurance deduction mode calculated by system code. Valid values are:\\r\\\"001\\\" - not required\\r\\\"002\\\" - monthly coi deduction against fund\\r\\\"003\\\" - quarterly coi deduction against fund\\r\\\"004\\\" - semi-annual coi deduction against fund\\r\\\"005\\\" - annual coi deduction against fund\\rNOTE: If field \\\"AR-NAR-MTHD\\\" on the Plan File Maintenance (95) screen, 400 record = \\\"06\\\", this field must = \\\"005\\\".\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u000797 - apply excess monies at approval code. Valid values are:\\r\\\"001\\\" - not required (standard processing - refund money)\\r\\\"002\\\" - apply excess to lump sum of primary insured\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u000798 - cost and disclosure benefit description code, indicating what description for the selected option will print on the cost and disclosure facing sheet. Valid values are:\\r\\\"001\\\" - not required\\r\\\"002\\\" - LP802 ART\\r\\\"003\\\" - LP803 10 year level term\\r\\\"004\\\" - LP804 decreasing term to 65\\r\\\"005\\\" - LP804 10 year decreasing term\\r\\\"006\\\" - LP804 15 year decreasing term\\r\\\"007\\\" - LP804 15 year mortgage\\r008\\\" - LP804 30 year mortgage\\r\\\"009\\\" - LP805 decreasing convertible term with child benefit\\r\\\"010\\\" - LP700 spouse rider\\r\\\"011\\\" - LP406 child's level term insurance benefit\\r\\\"012\\\" - LP107 whole life insurance\\r\\\"013\\\" - LP107's retirement premium deposit provision\\r\\\"014\\\" - LP405 10 year supplementary family income\\r\\\"015\\\" - LP405 15 year supplementary family income\\r\\\"016\\\" - LP405 20 year supplementary family income\\r\\\"017\\\" - LP701 child rider\\r\\\"018\\\" - LP703 covered insured rider\\r\\\"019\\\" - LP701 1 child rider\\r\\\"020\\\" - LP112 whole life insurance, increasing premium, non-participating\\r\\\"021\\\" - LP117 limited pay whole life\\r\\\"022\\\" - LP101 whole life insurance, non-participating\\r\\\"023\\\" - PL-1204 whole life non-par\\r\\\"024\\\" - RL-8163 child level term rider\\r\\\"025\\\" - RL-8164 annual decreasing term to 60 rider\\r\\\"026\\\" - RL-8165 spouse annual decreasing term to 65 rider\\r\\\"027\\\" - RL-8166 family coverage term rider\\r\\\"028\\\" - RL-8167 child term rider\\r\\\"029\\\" - PL-1204 life paid-up at 85\\r\\\"030\\\" - PL-1205 not defined\\r\\\"031\\\" - PL-1206 not defined\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u000799 - special monthly premium calculation on policy pages code.\""
},
{
"id": "80d4220d-5fbc-4595-9551-e38d71851405",
"text": "\"Automated Reports \\n \\n \\n \\n\\u00a9 2017 NTT DATA, Inc. | Proprietary and Confidential | March 20, 2017 126 \\n \\n \\nThis report will include policies that reached the maximum benefit payout for an AB type as of the cycle \\ndate. AB types \\u201c032\\u201d and \\u201c033\\u201d will not be included in reporting. This report is in comma-delimited format for \\nimport into another program for processing. The report will include group, group description, group policy, \\npolicy number and rider code, AB type, AB type description, coverage, claimant, maximum benefit amount \\nand total paid. \\n \\nAction: Each record will create a workflow task to be worked by the administrative team. They will \\nupdate processing and premium accordingly. \\n \\nNL22000: Market Allowance Error Report \\nLSNRP662 NL22000 \\n \\nThis report will generate an error report and modified current transaction extract file used to determine the \\nerrors. This will be generated weekly on Wednesdays to identify any premiums that cannot be assessed a \\nmarketing allowance. This report will be generated for companies 1S, 1T, 1U, 1W, 5S, 5T, 5U, 5W, 6S, 6T, \\n6U and 6W. \\n \\nAction: This report should be reviewed weekly when generated to correct errors so that reporting is \\ncorrect for the Marketing Allowance report. \\n \\n \\n \\nNL22010: Marketing Allowance Report \\nLSNRP662 NL22010 \\n \\nThe Marketing Allowance report will be run every Friday. This report will produce a market allowance report \\n(extract file), marketing allowance error report, modified current transaction extract file, marketing allowance \\nproduct category file and prior date file. \\n \\nThe Marketing Allowance report will contain information on every premium received, reversed and \\nreallocated in the selected time frame and the associated marketing allowance rate. The report will contain \\ntwo sections. The first section will consist of a summary of the total fees due per product as well as a grand \\ntotal for all products. The second section will detail the premium received and reversed for each policy \\nwithin the product. This report will be generated for companies 1S, 1T, 1U, 1W, 5S, 5T, 5U, 5W, 6S, 6T, 6U \\nand 6W. \\n \\nAction: This report should be reviewed when generated to ensure accurate reporting to the client.\"",
"file_name": "Automated Reports Manual.pdf",
"page_label": "126"
},
{
"id": "5a12dfc2-0814-4a65-97d6-eb00de36e506",
"text": "\"System Reference Manual \\n \\n \\n \\n\\u00a9 2022 NTT DATA, Inc. | Proprietary and Confidential | April 20 2020 68 \\n \\n \\n Name: DOE! JANE/JOHN \\n Relationship: PARENTS \\nNOTE: Refer to Name Formats in the General Information Manual for further information on \\nthis field. \\n \\nBirthplace \\nUse MIB abbreviation for birthplaces. Consult your location\\u2019s MIB documentation. \\n \\nCoverage Group ID \\nOnly used to group individuals under one coverage. For example: a child rider. The first \\nchild has his/her own ID number for the coverage Group ID. The second child has first \\nchild\\u2019s ID number for the Coverage Group ID, etc. \\n \\n Ind. ID 01 John Doe plan X coverage group ID (blank) \\n Ind. ID 02 Jimmy Doe plan child coverage group ID 02 \\n Ind. ID 03 Susie Doe plan child coverage group ID 02 \\n Ind. ID 04 Tommy Doe plan child coverage group ID 02 \\n \\nDate \\nMMDDYYYY; for example: 01061986 \\n \\nHeight \\nFII (feet/inches); for example: 506 (five feet six inches) \\n \\nNames \\n\\u2022 First name may not exceed 10 characters. \\n\\u2022 Middle initial may not exceed 1 character. \\n\\u2022 Last name may not exceed 19 characters. \\n\\u2022 The characters in the first, middle and last name combined (not counting \\nspaces), must not exceed 28. \\n \\nOwner \\nWhen the owner is a company or a business, key in company name on owner surname \\nline. Nineteen characters maximum. \\n \\nPayor \\nWhen payor is a company or business, key in company name in payor surname line. \\nNineteen characters maximum.\"",
"file_name": "System Reference-New Business.pdf",
"page_label": "17"
},
{
"id": "4574fbb3-6a58-4074-8376-46fe677c0e7b",
"text": "\"For Non ABT Plans\\nFor Base record, \\nIf LM-STATUS = Blank, P, R, X, Y, send zeros.(0000000)\\nIf STATUS (from 4th field) = DTH\\n a) if LM-DT-DEATH-DATE is not spaces, send LM-DT-DEATH-DATE.\\n b) if LM-DT-DEATH-DATE is spaces, send LM-DUE-DATE.\\nIf STATUS (from 4th field) = EXP then send LM-STATUS-DATE\\nIf LM-STATUS = L / S / M / B / C / Z, send LM-DUE-DATE.\\n\\nFor Rider record, \\nIf derived Rider STATUS (from 4th field) = TRM / DTH and Base record\\u2019s derived STATUS (from 4th field) = DTH, send \\u201cTERMINATION-DATE\\u201d of Base record.\\nElse If derived Rider STATUS (from 4th field) = DTH, DT segment is available, \\n a) if LM-DT-DEATH-DATE is not spaces, send LM-DT-DEATH-DATE.\\n b) if LM-DT-DEATH-DATE is spaces, send LM-DUE-DATE.\\nIf derived Rider STATUS (from 4th field) = EXH, Send LM-STATUS-DATE.\\nIf STATUS (from 4th field) = EXP then send LM-STATUS-DATE\\nelse, If Rider's LM-STATUS = L / D / S / M / B / C / Z, send LM-DUE-DATE.\\n\\nIf LM-STATUS = Blank, P, R, X, Y, send zeros.(0000000)\\n\\n\\n\\n Policy Coverages Coverage Termination Date Policy Coverages Coverage Termination Date Mapped\\n8 ISSUE-TYPE 43 43 1 X(1) Coverage issue type, if it can be determined from the master record. If the policy master record does not contain issue type or an entry code, this Field should default to \\u2018N\\u2019. \\n\\n \\u2018N\\u2019 = New business\\n \\u2018C\\u2019 = Continuation\\n \\\"E\\\" = Exhange\\n \\u2018R\\u2019 = Re-entry, There will be no \\\"R\\\" for this field Cyberlife ABT policies and Atlas Term policies send \\\"N\\\". \\nFor everything else, send the value sent in the NF field = POL-TRM-CNV-IND; value of the field in NF are N, C, E & X)\\n\\nNewly issued underwritten policies will be N. Term Conversions (Term to term or term to perm) will be C.\\nFor this field, the logic mentioned above will not work for conversion from Term to existing Permanent.\\nExample: If the insured has both term policy and perm policy at the same time. Later, Term is getting added to Perm as a new coverage. 21/1 POL\\n21/1 ISSUED LM-POL\\nLM-TC-IND For Phase 0.5\\nBefore Migration\\nAll records should be captured with N, C, E in \\\"Side file\\\".\\nAfter migration\\nFor SRC-OLD-CO value starts with C (i.e. Cyberlife)\\nIf LM-POL Starts with TC, send C\\nIf LM-POL does not start with TC, send N\\nFor SRC-OLD-CO value starts with A (i.e. Atlas)\\nIf LM-POL Starts with TC, send C\\nIf LM-POL does not start with TC, send N\\nNote: This translation is for ABT only. All ABT Policies are having values as \\\"N\\\". For other Term products and future Phases, Translation for R & E requirements needs to be elicited from Everlake.\\n\\nFor Phase 1.0 & 1M and 3B\\nFor SRC-OLD-CO value starts with C (i.e. Cyberlife) & SRC-OLD-CO value starts with A (i.e. Atlas)\\nDefault will be \\\"N\\\"\\nIf LM-POL Starts with TC, send C.\\nIf LM-POL does not start with TC, then check presence of TC segment on policy,\\n If TC segment is avaialble, and LM-TC-IND = C / E, send LM-TC-IND\\n If TC segment is avaialble, and LM-TC-IND = Y, send \\\"C\\\".\\n.\\nNote: This translation is for Phase 1 only. For future Phases, Translation for R & E requirements needs to be elicited from Everlake.\\n\\nFor Phase 3\\nFor SRC-OLD-CO value starts with C (i.e. Cyberlife)\\nsend LM-TC-IND value for this field\\nHowever, if the value is E in TAI Side file, the value E should be sent to TAI, irrespective of what value is available in Lifesys.\""
},
{
"id": "e09c5eb0-aa03-400c-9994-0973b665e887",
"text": "\"System Reference Manual \\n \\n \\n \\n\\u00a9 2022 NTT DATA, Inc. | Proprietary and Confidential | April 20 2020 1118 \\n \\n \\n M07 Alternate benefit for above procedure \\n M08 Are due on your claim \\n M09 Benefits provided for stays due to accidental injury only \\n M10 Blood coninsurance and life time reserve days are not due \\n M11 Blood processing and storage are not covered by this plan \\n M12 Children are not eligible for these benefits \\n M13 Committing or attempting to commit an assault/felony \\n M14 Confinements cannot be separated by more than 180 days \\n M15 Continuation of disability form is being sent separately \\n M16 Coverage does not provide benefits for MRI scans \\n M17 Coverage does not provide benefits for physician\\u2019s fees \\n M18 Coverage does not provide maternity benefits \\n M19 Diagnostic surgical procedures are not payable \\n M20 Divorced spouse not covered, either by policy terms/state laws \\n M21 Doctor fees not covered in to disability/hospital \\n M22 Drug charges incurred after the 6 month drug benefit period \\n M23 Due to new PA state law, no excess benefits are payable \\n M24 First 2 years coverage for accidental bodily injury only \\n M25 For office use only \\n M26 For special risk use only \\n M27 Homicide or murder of insured by beneficiary \\n M28 Hospital records being requested to consider policy increase \\n M29 ICU Benefits for sickness begin on the fourth day in ICU \\n M30 If you wish to appeal, please contact us in writing \\n M31 If you wish to submit a nursing home claim \\n M32 Inflation increase rider-only main insured is covered \\n M33 Initial premiums for the this coverage were not received \\n M34 Intentionally self-inflicted injury \\n M35 Interest due was added to claim payment \\n M36 Joint payment issued as per KY rev. state law HB-224 \\n M37 Med. Treatment or surgery, except as a result of accident \\n M38 Minimum benefit of seven days has been considered \\n M39 Misc. exclusions \\n M40 Monthly income rider-only main insured is covered \\n M41 Multiple exclusions denials, limitations apply \\n M42 Not ABI due to bodily infirmity, sickness or disease \\n M43 Not ADB due to voluntary taking of alcohol or drugs\"",
"file_name": "System Reference-Claims.pdf",
"page_label": "43"
},
{
"id": "5f13a461-37f5-4987-8e06-e2304b870a4f",
"text": "\"System Reference Manual \\n \\n \\n \\n\\u00a9 2023 NTT DATA, Inc. | Proprietary and Confidential | July 5, 2024 1142 \\n \\n \\n M07 Alternate benefit for above procedure \\n M08 Are due on your claim \\n M09 Benefits provided for stays due to accidental injury only \\n M10 Blood coninsurance and life time reserve days are not due \\n M11 Blood processing and storage are not covered by this plan \\n M12 Children are not eligible for these benefits \\n M13 Committing or attempting to commit an assault/felony \\n M14 Confinements cannot be separated by more than 180 days \\n M15 Continuation of disability form is being sent separately \\n M16 Coverage does not provide benefits for MRI scans \\n M17 Coverage does not provide benefits for physician\\u2019s fees \\n M18 Coverage does not provide maternity benefits \\n M19 Diagnostic surgical procedures are not payable \\n M20 Divorced spouse not covered, either by policy terms/state laws \\n M21 Doctor fees not covered in to disability/hospital \\n M22 Drug charges incurred after the 6 month drug benefit period \\n M23 Due to new PA state law, no excess benefits are payable \\n M24 First 2 years coverage for accidental bodily injury only \\n M25 For office use only \\n M26 For special risk use only \\n M27 Homicide or murder of insured by beneficiary \\n M28 Hospital records being requested to consider policy increase \\n M29 ICU Benefits for sickness begin on the fourth day in ICU \\n M30 If you wish to appeal, please contact us in writing \\n M31 If you wish to submit a nursing home claim \\n M32 Inflation increase rider-only main insured is covered \\n M33 Initial premiums for the this coverage were not received \\n M34 Intentionally self-inflicted injury \\n M35 Interest due was added to claim payment \\n M36 Joint payment issued as per KY rev. state law HB-224 \\n M37 Med. Treatment or surgery, except as a result of accident \\n M38 Minimum benefit of seven days has been considered \\n M39 Misc. exclusions \\n M40 Monthly income rider-only main insured is covered \\n M41 Multiple exclusions denials, limitations apply \\n M42 Not ABI due to bodily infirmity, sickness or disease \\n M43 Not ADB due to voluntary taking of alcohol or drugs\"",
"file_name": "System Reference-LifeSys System Reference.pdf",
"page_label": "1142"
},
{
"id": "e014b959-6f88-4edf-bc2b-b4639d7239de",
"text": "\"Same values as minimum face amount/units method one.\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u000789 - maximum face amount/units method two code. Same values as minimum face amount/units method one.\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u000790 - maximum face amount/units method three code. Same values as minimum face amount/units method one.\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u000791 - multiple minimum method selection code. Valid values are:\\r\\\"001\\\" - use method yielding lowest minimum\\r\\\"002\\\" - use method yielding greatest minimum\\r\\\"003\\\" - lowest/greatest does not apply\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u000792 - multiple maximum method selection code. Valid values are:\\r\\\"001\\\" - use method yielding lowest maximum\\r\\\"002\\\" - use method yielding greatest maximum.\\r\\\"003\\\" - lowest/greatest does not apply\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u000793 - face amount combined with primary ins code, indicating if term riders may qualify to have the face amount combined with the face amount of the basic benefit if the rider is attached to the primary insured. Valid values are:\\r001 - does not qualify\\r002 - face amount may be considered for combination with face amount on primary insured\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u000794 - minimum premium code. Valid values are:\\r\\\"001\\\" - not required\\r\\\"002\\\" - calculate annual minimum premium\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u000795 - target premium code. Valid values are:\\r\\\"001\\\" - not required\\r\\\"002\\\" - calculate annual target premium\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u000796 - cost of insurance deduction mode calculated by system code. Valid values are:\\r\\\"001\\\" - not required\\r\\\"002\\\" - monthly coi deduction against fund\\r\\\"003\\\" - quarterly coi deduction against fund\\r\\\"004\\\" - semi-annual coi deduction against fund\\r\\\"005\\\" - annual coi deduction against fund\\rNOTE: If field \\\"AR-NAR-MTHD\\\" on the Plan File Maintenance (95) screen, 400 record = \\\"06\\\", this field must = \\\"005\\\".\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u000797 - apply excess monies at approval code. Valid values are:\\r\\\"001\\\" - not required (standard processing - refund money)\\r\\\"002\\\" - apply excess to lump sum of primary insured\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u000798 - cost and disclosure benefit description code, indicating what description for the selected option will print on the cost and disclosure facing sheet. Valid values are:\\r\\\"001\\\" - not required\\r\\\"002\\\" - LP802 ART\\r\\\"003\\\" - LP803 10 year level term\\r\\\"004\\\" - LP804 decreasing term to 65\\r\\\"005\\\" - LP804 10 year decreasing term\\r\\\"006\\\" - LP804 15 year decreasing term\\r\\\"007\\\" - LP804 15 year mortgage\\r008\\\" - LP804 30 year mortgage\\r\\\"009\\\" - LP805 decreasing convertible term with child benefit\\r\\\"010\\\" - LP700 spouse rider\\r\\\"011\\\" - LP406 child's level term insurance benefit\\r\\\"012\\\" - LP107 whole life insurance\\r\\\"013\\\" - LP107's retirement premium deposit provision\\r\\\"014\\\" - LP405 10 year supplementary family income\\r\\\"015\\\" - LP405 15 year supplementary family income\\r\\\"016\\\" - LP405 20 year supplementary family income\\r\\\"017\\\" - LP701 child rider\\r\\\"018\\\" - LP703 covered insured rider\\r\\\"019\\\" - LP701 1 child rider\\r\\\"020\\\" - LP112 whole life insurance, increasing premium, non-participating\\r\\\"021\\\" - LP117 limited pay whole life\\r\\\"022\\\" - LP101 whole life insurance, non-participating\\r\\\"023\\\" - PL-1204 whole life non-par\\r\\\"024\\\" - RL-8163 child level term rider\\r\\\"025\\\" - RL-8164 annual decreasing term to 60 rider\\r\\\"026\\\" - RL-8165 spouse annual decreasing term to 65 rider\\r\\\"027\\\" - RL-8166 family coverage term rider\\r\\\"028\\\" - RL-8167 child term rider\\r\\\"029\\\" - PL-1204 life paid-up at 85\\r\\\"030\\\" - PL-1205 not defined\\r\\\"031\\\" - PL-1206 not defined\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u000799 - special monthly premium calculation on policy pages code.\""
},
{
"id": "4574fbb3-6a58-4074-8376-46fe677c0e7b",
"text": "\"For Non ABT Plans\\nFor Base record, \\nIf LM-STATUS = Blank, P, R, X, Y, send zeros.(0000000)\\nIf STATUS (from 4th field) = DTH\\n a) if LM-DT-DEATH-DATE is not spaces, send LM-DT-DEATH-DATE.\\n b) if LM-DT-DEATH-DATE is spaces, send LM-DUE-DATE.\\nIf STATUS (from 4th field) = EXP then send LM-STATUS-DATE\\nIf LM-STATUS = L / S / M / B / C / Z, send LM-DUE-DATE.\\n\\nFor Rider record, \\nIf derived Rider STATUS (from 4th field) = TRM / DTH and Base record\\u2019s derived STATUS (from 4th field) = DTH, send \\u201cTERMINATION-DATE\\u201d of Base record.\\nElse If derived Rider STATUS (from 4th field) = DTH, DT segment is available, \\n a) if LM-DT-DEATH-DATE is not spaces, send LM-DT-DEATH-DATE.\\n b) if LM-DT-DEATH-DATE is spaces, send LM-DUE-DATE.\\nIf derived Rider STATUS (from 4th field) = EXH, Send LM-STATUS-DATE.\\nIf STATUS (from 4th field) = EXP then send LM-STATUS-DATE\\nelse, If Rider's LM-STATUS = L / D / S / M / B / C / Z, send LM-DUE-DATE.\\n\\nIf LM-STATUS = Blank, P, R, X, Y, send zeros.(0000000)\\n\\n\\n\\n Policy Coverages Coverage Termination Date Policy Coverages Coverage Termination Date Mapped\\n8 ISSUE-TYPE 43 43 1 X(1) Coverage issue type, if it can be determined from the master record. If the policy master record does not contain issue type or an entry code, this Field should default to \\u2018N\\u2019. \\n\\n \\u2018N\\u2019 = New business\\n \\u2018C\\u2019 = Continuation\\n \\\"E\\\" = Exhange\\n \\u2018R\\u2019 = Re-entry, There will be no \\\"R\\\" for this field Cyberlife ABT policies and Atlas Term policies send \\\"N\\\". \\nFor everything else, send the value sent in the NF field = POL-TRM-CNV-IND; value of the field in NF are N, C, E & X)\\n\\nNewly issued underwritten policies will be N. Term Conversions (Term to term or term to perm) will be C.\\nFor this field, the logic mentioned above will not work for conversion from Term to existing Permanent.\\nExample: If the insured has both term policy and perm policy at the same time. Later, Term is getting added to Perm as a new coverage. 21/1 POL\\n21/1 ISSUED LM-POL\\nLM-TC-IND For Phase 0.5\\nBefore Migration\\nAll records should be captured with N, C, E in \\\"Side file\\\".\\nAfter migration\\nFor SRC-OLD-CO value starts with C (i.e. Cyberlife)\\nIf LM-POL Starts with TC, send C\\nIf LM-POL does not start with TC, send N\\nFor SRC-OLD-CO value starts with A (i.e. Atlas)\\nIf LM-POL Starts with TC, send C\\nIf LM-POL does not start with TC, send N\\nNote: This translation is for ABT only. All ABT Policies are having values as \\\"N\\\". For other Term products and future Phases, Translation for R & E requirements needs to be elicited from Everlake.\\n\\nFor Phase 1.0 & 1M and 3B\\nFor SRC-OLD-CO value starts with C (i.e. Cyberlife) & SRC-OLD-CO value starts with A (i.e. Atlas)\\nDefault will be \\\"N\\\"\\nIf LM-POL Starts with TC, send C.\\nIf LM-POL does not start with TC, then check presence of TC segment on policy,\\n If TC segment is avaialble, and LM-TC-IND = C / E, send LM-TC-IND\\n If TC segment is avaialble, and LM-TC-IND = Y, send \\\"C\\\".\\n.\\nNote: This translation is for Phase 1 only. For future Phases, Translation for R & E requirements needs to be elicited from Everlake.\\n\\nFor Phase 3\\nFor SRC-OLD-CO value starts with C (i.e. Cyberlife)\\nsend LM-TC-IND value for this field\\nHowever, if the value is E in TAI Side file, the value E should be sent to TAI, irrespective of what value is available in Lifesys.\""
},
{
"id": "5f13a461-37f5-4987-8e06-e2304b870a4f",
"text": "\"System Reference Manual \\n \\n \\n \\n\\u00a9 2023 NTT DATA, Inc. | Proprietary and Confidential | July 5, 2024 1142 \\n \\n \\n M07 Alternate benefit for above procedure \\n M08 Are due on your claim \\n M09 Benefits provided for stays due to accidental injury only \\n M10 Blood coninsurance and life time reserve days are not due \\n M11 Blood processing and storage are not covered by this plan \\n M12 Children are not eligible for these benefits \\n M13 Committing or attempting to commit an assault/felony \\n M14 Confinements cannot be separated by more than 180 days \\n M15 Continuation of disability form is being sent separately \\n M16 Coverage does not provide benefits for MRI scans \\n M17 Coverage does not provide benefits for physician\\u2019s fees \\n M18 Coverage does not provide maternity benefits \\n M19 Diagnostic surgical procedures are not payable \\n M20 Divorced spouse not covered, either by policy terms/state laws \\n M21 Doctor fees not covered in to disability/hospital \\n M22 Drug charges incurred after the 6 month drug benefit period \\n M23 Due to new PA state law, no excess benefits are payable \\n M24 First 2 years coverage for accidental bodily injury only \\n M25 For office use only \\n M26 For special risk use only \\n M27 Homicide or murder of insured by beneficiary \\n M28 Hospital records being requested to consider policy increase \\n M29 ICU Benefits for sickness begin on the fourth day in ICU \\n M30 If you wish to appeal, please contact us in writing \\n M31 If you wish to submit a nursing home claim \\n M32 Inflation increase rider-only main insured is covered \\n M33 Initial premiums for the this coverage were not received \\n M34 Intentionally self-inflicted injury \\n M35 Interest due was added to claim payment \\n M36 Joint payment issued as per KY rev. state law HB-224 \\n M37 Med. Treatment or surgery, except as a result of accident \\n M38 Minimum benefit of seven days has been considered \\n M39 Misc. exclusions \\n M40 Monthly income rider-only main insured is covered \\n M41 Multiple exclusions denials, limitations apply \\n M42 Not ABI due to bodily infirmity, sickness or disease \\n M43 Not ADB due to voluntary taking of alcohol or drugs\"",
"file_name": "System Reference-LifeSys System Reference.pdf",
"page_label": "1142"
},
{
"id": "e09c5eb0-aa03-400c-9994-0973b665e887",
"text": "\"System Reference Manual \\n \\n \\n \\n\\u00a9 2022 NTT DATA, Inc. | Proprietary and Confidential | April 20 2020 1118 \\n \\n \\n M07 Alternate benefit for above procedure \\n M08 Are due on your claim \\n M09 Benefits provided for stays due to accidental injury only \\n M10 Blood coninsurance and life time reserve days are not due \\n M11 Blood processing and storage are not covered by this plan \\n M12 Children are not eligible for these benefits \\n M13 Committing or attempting to commit an assault/felony \\n M14 Confinements cannot be separated by more than 180 days \\n M15 Continuation of disability form is being sent separately \\n M16 Coverage does not provide benefits for MRI scans \\n M17 Coverage does not provide benefits for physician\\u2019s fees \\n M18 Coverage does not provide maternity benefits \\n M19 Diagnostic surgical procedures are not payable \\n M20 Divorced spouse not covered, either by policy terms/state laws \\n M21 Doctor fees not covered in to disability/hospital \\n M22 Drug charges incurred after the 6 month drug benefit period \\n M23 Due to new PA state law, no excess benefits are payable \\n M24 First 2 years coverage for accidental bodily injury only \\n M25 For office use only \\n M26 For special risk use only \\n M27 Homicide or murder of insured by beneficiary \\n M28 Hospital records being requested to consider policy increase \\n M29 ICU Benefits for sickness begin on the fourth day in ICU \\n M30 If you wish to appeal, please contact us in writing \\n M31 If you wish to submit a nursing home claim \\n M32 Inflation increase rider-only main insured is covered \\n M33 Initial premiums for the this coverage were not received \\n M34 Intentionally self-inflicted injury \\n M35 Interest due was added to claim payment \\n M36 Joint payment issued as per KY rev. state law HB-224 \\n M37 Med. Treatment or surgery, except as a result of accident \\n M38 Minimum benefit of seven days has been considered \\n M39 Misc. exclusions \\n M40 Monthly income rider-only main insured is covered \\n M41 Multiple exclusions denials, limitations apply \\n M42 Not ABI due to bodily infirmity, sickness or disease \\n M43 Not ADB due to voluntary taking of alcohol or drugs\"",
"file_name": "System Reference-Claims.pdf",
"page_label": "43"
},
{
"id": "406118eb-3ef5-4542-baa6-3740d718c817",
"text": "\"Each time a premium changes for a single SBC code, a new SBC segment with the same SBC code (containing the new beginning and ending dates) must exist. The same holds true when premium for an SBC stops, but its coverage continues. However, no one SBC code can have overlapping date ranges; i.e., a subsequent begin date of a second (or multiple) SBC segment with the same SBC code cannot be prior to the last end date for that SBC code.\\r\\rSBC-MODE-PREM:\\t\\tThe modal premium amount to be billed for this SBC coverage. Remember, this amount is not included in the fields \\\"LM-LAP\\\" and \\\"LM-BASIC-PREM\\\" except for SBC 008, which is included in field \\\"LM-LAP' only. \\r\\rSBC-BEN-AMOUNT:\\tThe benefit amount for this SBC coverage . This will typically be zero for SBC codes that define extra charges rather than extra benefits, but can be zero for benefits as well.\\r\\rSBC-BEGIN-DATE:\\t\\tThe date that this SBC benefit or charge begins, in YYYYMMDD format. This date cannot be less than the issue date of the base or rider. When this is not the first SBC segment for an SBC code, this date must be greater than or equal to the end date of the prior SBC segment for that code.\\r\\rSBC-END-DATE:\\t\\tThe date that this SBC benefit or charge ends, in YYYYMMDD format. Use the maturity date of the policy or rider when no end date is available.\\r\\r\\t\\t\\tSPECIFIC EXAMPLES OF SBC DATA FIELDS\\r\\t\\t\\t\\tUSING COMMOM SBC CODES\\r\\r\\tSBC 009 - Policy Fees\\rSBC-MODE-PREM:\\t\\tThe modal amount of the policy fee itself. When the mode is annual, this amount will be the yearly policy fee. This amount cannot be zero for this code.\\r\\rSBC-BEN-AMOUNT: \\tZero (policy fees have no benefit).\\r\\rSBC-BEGIN-DATE: \\tThe date the policy fee charges began.\\r\\rSBC-END-DATE: \\t\\tThe date the policy fee charges will end.\\r\\r\\tSBC 010 and 011 - Double Indemnity and ADB\\rSBC-MODE-PREM: \\tThe modal premium amount for the benefit. This amount can be zero only when (and after) the premium for this coverage ends at some point but the coverage itself continues.\\r\\rSBC-BEN-AMOUNT:\\tThe benefit amount as defined by the company or selected by the policyholder. This will typically be the face amount for double indemnity, and a policyholder selected company-imposed maximum benefit amount.\\r\\rSBC-BEGIN-DATE:\\t\\tThe date this premium charge for this coverage began.\\r\\rSBC-END-DATE:\\t\\tThe date this premium charge for this coverage will end. This can be, but doesn't have to be, the date the coverage itself will end (although it will be if the coverage ends when the premium charge ends). When coverage is to continue without premium, then another SBC segment with the same SBC code must exist with zero premium, as well as the new beginning and ending dates for the period of time in which there is to be coverage without premium. Remember, these dates CANNOT overlap with the dates during which the premium was charged.\\r\\r\\tSBC 020 - Waiver of Premium\\rSBC-MODE-PREM:\\t\\tThe modal premium amount for the benefit.\\r\\rSBC-BEN-AMOUNT:\\tTypically zero, but could be the premium amount that is to be waived when the coverage is used.\\r\\rSBC-BEGIN-DATE:\\t\\tThe date this premium charge for this coverage began, NOT the date the actual waiver of premium itself starts paying the policy premium.\\r\\rSBC-END-DATE:\\t\\tThe date this premium charge for this coverage will end. This can be, but doesn't have to be, the date the coverage itself will end (although it will be if the coverage ends when the premium charge ends). When coverage is to continue without premium, then another SBC segment with the same SBC code must exist with zero premium, as well as the new beginning and ending dates for the period of time in which there is to be coverage without premium. Remember, these dates CANNOT overlap with the dates during which the premium was charged.\\r\\r\\tSBC 060 - Substandard Premium\\rOne entry is required for each date range that exists on substandard segments. When there is no substandard segment, this entry cannot exist.\""
},
{
"id": "80d4220d-5fbc-4595-9551-e38d71851405",
"text": "\"Automated Reports \\n \\n \\n \\n\\u00a9 2017 NTT DATA, Inc. | Proprietary and Confidential | March 20, 2017 126 \\n \\n \\nThis report will include policies that reached the maximum benefit payout for an AB type as of the cycle \\ndate. AB types \\u201c032\\u201d and \\u201c033\\u201d will not be included in reporting. This report is in comma-delimited format for \\nimport into another program for processing. The report will include group, group description, group policy, \\npolicy number and rider code, AB type, AB type description, coverage, claimant, maximum benefit amount \\nand total paid. \\n \\nAction: Each record will create a workflow task to be worked by the administrative team. They will \\nupdate processing and premium accordingly. \\n \\nNL22000: Market Allowance Error Report \\nLSNRP662 NL22000 \\n \\nThis report will generate an error report and modified current transaction extract file used to determine the \\nerrors. This will be generated weekly on Wednesdays to identify any premiums that cannot be assessed a \\nmarketing allowance. This report will be generated for companies 1S, 1T, 1U, 1W, 5S, 5T, 5U, 5W, 6S, 6T, \\n6U and 6W. \\n \\nAction: This report should be reviewed weekly when generated to correct errors so that reporting is \\ncorrect for the Marketing Allowance report. \\n \\n \\n \\nNL22010: Marketing Allowance Report \\nLSNRP662 NL22010 \\n \\nThe Marketing Allowance report will be run every Friday. This report will produce a market allowance report \\n(extract file), marketing allowance error report, modified current transaction extract file, marketing allowance \\nproduct category file and prior date file. \\n \\nThe Marketing Allowance report will contain information on every premium received, reversed and \\nreallocated in the selected time frame and the associated marketing allowance rate. The report will contain \\ntwo sections. The first section will consist of a summary of the total fees due per product as well as a grand \\ntotal for all products. The second section will detail the premium received and reversed for each policy \\nwithin the product. This report will be generated for companies 1S, 1T, 1U, 1W, 5S, 5T, 5U, 5W, 6S, 6T, 6U \\nand 6W. \\n \\nAction: This report should be reviewed when generated to ensure accurate reporting to the client.\"",
"file_name": "Automated Reports Manual.pdf",
"page_label": "126"
},
{
"id": "60767866-8483-4abb-be14-0a5cbe9e3cc7",
"text": "\"Agent Licensing System \\n \\n \\n \\n\\u00a9 2017 NTT DATA, Inc. | Proprietary and Confidential | March 20, 2017 135 \\n \\n \\nNo \\n \\nE&O Type \\nThis field indicates the type of E&O insurance coverage for the new producer. Valid values are: \\nLFS Provides evidence of coverage through the Legacy Financial Services \\n(LFS) group policy \\nIndividual Provides evidence of coverage through either group or individual \\ncoverage \\nLegacy Exclusive \\nNot Provided \\n \\nThis field will only display when Was a copy of E&O Insurance policy provided? is \\u201cYes\\u201d. \\n \\nExpiration Date \\nThis field is used to enter the expiration date shown on the evidence of coverage. \\n \\nThis field will only display when Was a copy of E&O Insurance policy provided? is \\u201cYes\\u201d. \\n \\nE&O Carrier \\nThis field is used to enter the insurance company (carrier) name as shown on the evidence of \\ncoverage. \\n \\nThis field will only display when Was a copy of E&O Insurance policy provided? is \\u201cYes\\u201d. \\n \\nE&O Limits \\nPer Occurrence \\nThis field is used to enter the occurrence or claim limit as shown on the evidence of coverage. \\n \\nThis field will only display when Was a copy of E&O Insurance policy provided? is \\u201cYes\\u201d. \\n \\nPer Aggregate \\nThis field is used to enter the aggregate limit as shown on the evidence of coverage. \\n \\nThis field will only display when Was a copy of E&O Insurance policy provided? is \\u201cYes\\u201d. \\n \\nCANCEL \\nSelecting CANCEL will cancel the request to add a new producer and close this window. \\n<< BACK \\nSelecting << BACK will return the user to the previous screen. \\n \\nNEXT >>\"",
"file_name": "PC Application Manuals-Agent Licensing System.pdf",
"page_label": "135"
},
{
"id": "55f3b9cd-f3ea-41a1-a466-2a148eea5175",
"text": "\"04 coverages: Assign the PrimaryInsUWClassCd (04 riders) from associated 02 coverage by Phasesequenceid\\n\\n For CLTR riders set to \\\" \\\"\\n\\n02 coverages:\\n\\nif(r02_class ==\\\"D\\\" and r02_smoke_opt_ind_ul==\\\"0\\\") \\\"SM\\\"\\nelse if(r02_class ==\\\"D\\\" and r02_smoke_opt_ind_ul==\\\"1\\\") \\\"SN\\\"\\nelse if(r02_class ==\\\"D\\\" and r02_smoke_opt_ind_ul==\\\"2\\\") \\\"HA\\\"\\nelse if(r02_class ==\\\"F\\\" and r02_ben_ut_nsgh_ind==\\\"0\\\") \\\"SM\\\"\\nelse if(r02_class ==\\\"F\\\" and r02_ben_ut_nsgh_ind==\\\"1\\\") \\\"SN\\\"\\nelse if(r02_class ==\\\"F\\\" and r02_ben_ut_nsgh_ind==\\\"2\\\") \\\"HA\\\"\\nelse if(r02_class not member [vector \\\"F\\\",\\\"D\\\" ]) temp_PrimaryInsUWClassCd\\nelse \\\"SM\\\";\\n\\nwhere temp_PrimaryInsUWClassCd is set as below\\n\\ntemp_PrimaryInsUWClassCd=if(r02_class not member [vector \\\"F\\\",\\\"D\\\" ] and string_index(r02_mnemonic_alpha_plan_code, \\\"SN\\\") >0) \\\"SN\\\"\\n else if(r02_class not member [vector \\\"F\\\",\\\"D\\\" ] and string_index(r02_mnemonic_alpha_plan_code, \\\"HA\\\") >0) \\\"HA\\\"\\n else if(r02_class not member [vector \\\"F\\\",\\\"D\\\" ] and string_index(r02_mnemonic_alpha_plan_code, \\\"GH\\\") >0) \\\"HA\\\"\\n else \\\"SM\\\";\\n\\n\\n04 coverages: Assign the PrimaryInsUWClassCd (04 riders) from associated 02 coverage by Phasesequenceid\\n\\n \\nATLAS PMR 02 record\\n04 record\\n${PROJECT_DIR}/controlfiles/axis_val_atl_ul_rate_band.txt MSBNUMBER_UNITS \\nMCVNUMBER_OF_UNITS MSBNUMBER_UNITS - PIC S9(5)V9(4)\\nMCVNUMBER_OF_UNITS - PIC S9(5)V9(4) ProductPlanId\\nFaceValueAmt\\nr02_number_of_units\\nr04_number_units decimal(10, 4) r02_number_of_units\\ndecimal(10,4) r04_number_units decimal 10,4 AXIS Policy File RateBand Band string 2 if ProductPlanId starts with '74' or '76' and NumberOfUnits >= 100, then set to B2\\nelse set to B1 Note : Please refer Band tab for Plancode wise band limits.Lookup Band tab based on ProductPlanId and CoverageTypeCd\\n\\nFor INCR riders, FaceValeAmt is calculated as sum of the increase rider\\u2019s FaceValueAmt plus the record that it\\u2019s attached to (either the base policy or an AIR)\\n\\nThe below logic is applicable only for base policies, AIRs, and Increase riders. For other riders set to 'B1'\\n\\nIf the PlanCode is not present in Band tab, set to 'B1'\\n\\nIf FaceValueAmt <= Band 1 Upper Limit, set to 'B1'\\nIf FaceValueAmt > Band 1 Upper Limit and FaceValueAmt <= Band 2 Upper Limit and Band 2 Upper Limit != \\\"NA\\\", set to 'B2'\\nIf FaceValueAmt > Band 2 Upper Limit and FaceValueAmt <= Band 3 Upper Limit and Band 3 Upper Limit != \\\"NA\\\", set to 'B3'\\n\\n \\nATLAS PMR 02_record\\n04_record MCVISSUE_DAY,MCVISSUE_YEAR\\nMSBISSUE_DAY,MSBISSUE_YEAR MCVISSUE_DAY,MCVISSUE_YEAR - PIC S9(3)\\nMSBISSUE_DAY,MSBISSUE_YEAR - PIC S9(3) r02_issue_date\\nr04_issue_date string(8) r02_issue_date (MMDDYYYY Format)\\nstring(8) r04_issue_date (MMDDYYYY Format) string 8 AXIS Policy File IssueDt Issue Date decimal 8 02 segment coverages: r02_issue_date\\n04 segment coverages: r04_issue_date\\n\\nDate needs to be converted to YYYYMMDD. 02 segment coverages: r02_issue_date\\n04 segment coverages: r04_issue_date\\n\\nDate needs to be converted to YYYYMMDD. \\nATLAS PMR 01 record MPIAPP_YEAR,MPIAPP_DAY MPIAPP_YEAR - PIC S9(3),MPIAPP_DAY - PIC S9(3) application_date string(8) application_date (MMDDYYYY Format) string 8 AXIS Policy File SignedDt Application Date decimal 8 application_date\\n\\nDate needs to be converted to YYYYMMDD. application_date\\n\\nDate needs to be converted to YYYYMMDD.\""
},
{
"id": "061f3f6b-001e-45e2-a971-8c794c366f62",
"text": "\"Program LSNAD678 updates / adds / deletes an entire segment at one time. To add a segment, there cannot be an existing SBC with the same type (field \\\"LM-SBC-TYPE\\\"), and an overlapping date range. (It is permissible to have one SBC begin on the same date that another SBC with the same type ends). To update or delete an existing SBC, move the new segment data to field \\\"UR-DATA\\\". Then, in addition, move the SBC type to field \\\"UR-DATA-29-2-3P0\\\", and move the begin date to field \\\"UR-DATA-31-8\\\".\\r\\r1.\\u0007Reserved. Maintained by segment routines.\\u0007X(6).\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u00072.\\u0007LM-SBC-TYPE\\rThree digit code for type of supplemental charges.\\r\\\"002\\\" - PCS premium\\r\\\"004\\\" - 1984 rate increase\\r\\\"005\\\" - 1985 rate increase\\r\\\"006\\\" - 1986 rate increase\\r\\\"007\\\" - 1987 rate increase\\r\\\"008\\\" - rate increase\\r\\\"009\\\" - policy fees or monthly expense charge\\r\\\"010\\\" - double indemnity, accidental death\\r\\\"011\\\" - accidental death and dismemberment\\r\\\"015\\\" - strike coverage\\r\\\"016\\\" - dread disease coverage\\r\\\"020\\\" waiver mthly deduct\\r\\\"021\\\" - monthly income disability benefit\\r\\\"022\\\" - waiver of premium\\u0007S9(3) C3.\\u00071745\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\\"023\\\" - daily hospital\\r\\\"024\\\" - surgical benefit\\r025 - major medical\\r\\\"030\\\" - increased medical benefit\\r031-034 - reserved for Additional Benefits (AB Segment)\\r\\\"035\\\" - yearly renewable term\\r036-039 - reserved for Additional Benefits (AB Segment)\\r\\\"040\\\" - return of premium\\r041-049 - reserved for Additional Benefits (AB Segment)\\r\\\"050\\\" - beneficiary indemnity\\r051-059 - reserved for Additional Benefits (AB Segment)\\r\\\"060\\\" - rateup/substandard - there must be one SBC 060 for each group of date ranges on the SS Segment\\r061-069 - reserved for Additional Benefits (AB Segment)\\r\\\"070\\\" - option to purchase additional insurance (GIO)\\r\\\"080\\\" - payor death\\r\\\"081\\\" - payor death and disability\\r\\\"090\\\" - minimum premium\\r\\\"091\\\" - excess premium\\r099 - premium total of all additional benefits for each coverage period\\r\\\"110\\\" - policy loan repayment\\r\\\"130\\\" - savings deposit fund (SDF) (flex pay) \\r\\\"140\\\" - basic premium amount for flex pay annuity bases and riders, and UL bases. This SBC is required for these products, even if the premium amount is zero, and field \\\"LM-BASIC-PREM\\\" must be zero. This SBC cannot exist for fixed premium annuities, ISWL bases or riders, and UL riders, even if the premium amount is zero. This SBC may be present for SPL/SPWL products if desired.\\r\\\"141\\\" - retirement deposit option (RDO)\\r\\\"142\\\" - annuity on deposit (AOD)\\r\\\"143\\\" - annuity to purchase mutual funds\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u00073.\\u0007LM-SBC-PREM\\rModal amount to be billed. This amount\\ris not included in fields \\\"LM-LAP\\\" or \\\"LM-BASIC-PREM\\\" except for SBC 008, which is included in field \\\"LM-LAP\\\" only. The mode premium (if any) for UL bases and annuities (SBC 140) goes in this field instead of field \\\"LM-LAP\\\" and \\\"LM-BASIC-PREM\\\". For SBC 060, this field must equal the sum of all modal substandard premiums (within a single date range), regardless of field \\\"LM-SS-TYPE\\\", and cannot be zero.\\u0007S9(7)V99 C3.\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u00074.\\u0007LM-SBC-BEN\\rBenefit amount. This will typically be zero for SBC codes that define extra charges as opposed to extra benefits, but can be zero for benefits as well.\\u0007S9(7)V99 C3.\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u00075.\\u0007LM-SBC-BEGIN\\rThe begin date that identifies the period of time that benefits and charges are in effect in YYYYMMDD format.\""
},
{
"id": "a285219b-c631-46b2-9300-a3262546fd2a",
"text": "\"System Reference Manual \\n \\n \\n \\n\\u00a9 2023 NTT DATA, Inc. | Proprietary and Confidential | July 5, 2024 1526 \\n \\n \\n Date plan data is in effect. Do not enter on this screen. \\n \\n6. APPLICATION FORMS ALLOWED \\nThis area allows the user to enter the application forms allowed for use on base \\ncoverage. This area allows for the entry of up to eight application forms. Each \\napplication form value can have up to eight characters. \\n \\n7. GENERIC PLAN DESC \\nThis field allows the user to enter the plan description. This field is a maximum of 30 \\ncharacters. This is used to print on facing sheets. \\n \\n8. ADDL DEP METHOD \\nThis field indicates if additional premiums are allowed for the plan. If allowed, the PCT \\nand MIN fields indicate additional amount limits. If additional premiums do not meet \\ncriteria, error messages will display on the Financial Transaction (22/2) screen. Valid \\nvalues are: \\nBlank Additional premiums not allowed \\n01 Allow additional premiums (used for MYGA policies only) \\n \\n9. PRODUCT CATEGORY \\n Maximum 30 character description. Information (marketing name) provided within this \\nfield is used in the creation of the monthly Policy Status report for specific companies, \\nenabling the output report to be sorted by product name. \\n \\n10. MIN \\nThis field displays the minimum additional contribution amount allowed. Valid values are: \\nBlank Plan does not allow additional contributions (the field \\nADDL DEP METHOD indicates if premiums allowed) \\n 0-9,999,999.99 Minimum amount of contribution \\n \\nNOTE: If additional contributions do not meet this amount, the error \\u2018AMOUNT DOES NOT \\nMEET MIN REQD\\u2019 will display on the Financial Transaction (22/2) screen and the transaction \\ncannot be processed. \\n \\n11. STATE AUTH FORM NUMBER FOR FACING SHEETS \\n Maximum 8 character description.\"",
"file_name": "System Reference-LifeSys System Reference.pdf",
"page_label": "1526"
},
{
"id": "ff5fcef2-5456-459d-be91-5f20bf064e85",
"text": "\"New Business Manual \\n \\n \\n \\n\\u00a9 2017 NTT DATA, Inc. | Proprietary and Confidential | March 20, 2017 132 \\n \\n \\nTransaction List \\nID Description Order Rqmt Type \\n000 No transaction (application not changed) for \\nAP or 01 record \\n \\n001 Unlicensed sale, any writing agent is not \\nlicensed in state or not hired at signature date \\nfor that type of insurance or company not \\nadmitted in contract state. \\n \\n002 Licensed sale, all writing agents are licensed \\nin state and hired at signature date for that \\ntype of insurance. Also, company is admitted \\nin contract state. \\n \\n003 Application data entry complete for AP record \\n004 Application withdrawn by applicant, all apps in \\ngroup are resolved, no conversion or H/O \\nreplacement in group, no refund due. \\n \\n005 Delivery requirement ordered. 40 \\n006 No (more) 01 records to re-edit/recalculate \\nthrough the recycle state and no \\u201c06\\u201d or \\u201c15\\u201d \\nor \\u201c16\\u201d premium rate method. \\n \\n007 01 record which needs to be re-\\nedited/recalculated is currently being updated \\nin core. \\n \\n008 U/W requirement ordered. 20 \\n009 01 record which needs to be re-\\nedited/recalculated is not currently being \\nupdated. \\n \\n010 Not available \\n011 Cash surrender or 1035 principal or 1035 \\ninterest adjustment on policy that is not \\nresolved (approved, not taken, withdrawn, \\ndeclined, deleted) \\n \\n012 Application verification complete for AP record \\nand application is not a conversion or H/O \\nreplacement \\n \\n013 Application verification complete for AP record \\nand application is a conversion \\n \\n014 Verification incomplete (Done for 01 coverage \\nrecord) \\n \\n015 Application updated as convertible, all \\nconversions resolved (convertible or changed \\nto replacement)\"",
"file_name": "New Business Manual.pdf",
"page_label": "132"
},
{
"id": "5f13a461-37f5-4987-8e06-e2304b870a4f",
"text": "\"System Reference Manual \\n \\n \\n \\n\\u00a9 2023 NTT DATA, Inc. | Proprietary and Confidential | July 5, 2024 1142 \\n \\n \\n M07 Alternate benefit for above procedure \\n M08 Are due on your claim \\n M09 Benefits provided for stays due to accidental injury only \\n M10 Blood coninsurance and life time reserve days are not due \\n M11 Blood processing and storage are not covered by this plan \\n M12 Children are not eligible for these benefits \\n M13 Committing or attempting to commit an assault/felony \\n M14 Confinements cannot be separated by more than 180 days \\n M15 Continuation of disability form is being sent separately \\n M16 Coverage does not provide benefits for MRI scans \\n M17 Coverage does not provide benefits for physician\\u2019s fees \\n M18 Coverage does not provide maternity benefits \\n M19 Diagnostic surgical procedures are not payable \\n M20 Divorced spouse not covered, either by policy terms/state laws \\n M21 Doctor fees not covered in to disability/hospital \\n M22 Drug charges incurred after the 6 month drug benefit period \\n M23 Due to new PA state law, no excess benefits are payable \\n M24 First 2 years coverage for accidental bodily injury only \\n M25 For office use only \\n M26 For special risk use only \\n M27 Homicide or murder of insured by beneficiary \\n M28 Hospital records being requested to consider policy increase \\n M29 ICU Benefits for sickness begin on the fourth day in ICU \\n M30 If you wish to appeal, please contact us in writing \\n M31 If you wish to submit a nursing home claim \\n M32 Inflation increase rider-only main insured is covered \\n M33 Initial premiums for the this coverage were not received \\n M34 Intentionally self-inflicted injury \\n M35 Interest due was added to claim payment \\n M36 Joint payment issued as per KY rev. state law HB-224 \\n M37 Med. Treatment or surgery, except as a result of accident \\n M38 Minimum benefit of seven days has been considered \\n M39 Misc. exclusions \\n M40 Monthly income rider-only main insured is covered \\n M41 Multiple exclusions denials, limitations apply \\n M42 Not ABI due to bodily infirmity, sickness or disease \\n M43 Not ADB due to voluntary taking of alcohol or drugs\"",
"file_name": "System Reference-LifeSys System Reference.pdf",
"page_label": "1142"
},
{
"id": "061f3f6b-001e-45e2-a971-8c794c366f62",
"text": "\"Program LSNAD678 updates / adds / deletes an entire segment at one time. To add a segment, there cannot be an existing SBC with the same type (field \\\"LM-SBC-TYPE\\\"), and an overlapping date range. (It is permissible to have one SBC begin on the same date that another SBC with the same type ends). To update or delete an existing SBC, move the new segment data to field \\\"UR-DATA\\\". Then, in addition, move the SBC type to field \\\"UR-DATA-29-2-3P0\\\", and move the begin date to field \\\"UR-DATA-31-8\\\".\\r\\r1.\\u0007Reserved. Maintained by segment routines.\\u0007X(6).\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u00072.\\u0007LM-SBC-TYPE\\rThree digit code for type of supplemental charges.\\r\\\"002\\\" - PCS premium\\r\\\"004\\\" - 1984 rate increase\\r\\\"005\\\" - 1985 rate increase\\r\\\"006\\\" - 1986 rate increase\\r\\\"007\\\" - 1987 rate increase\\r\\\"008\\\" - rate increase\\r\\\"009\\\" - policy fees or monthly expense charge\\r\\\"010\\\" - double indemnity, accidental death\\r\\\"011\\\" - accidental death and dismemberment\\r\\\"015\\\" - strike coverage\\r\\\"016\\\" - dread disease coverage\\r\\\"020\\\" waiver mthly deduct\\r\\\"021\\\" - monthly income disability benefit\\r\\\"022\\\" - waiver of premium\\u0007S9(3) C3.\\u00071745\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\\"023\\\" - daily hospital\\r\\\"024\\\" - surgical benefit\\r025 - major medical\\r\\\"030\\\" - increased medical benefit\\r031-034 - reserved for Additional Benefits (AB Segment)\\r\\\"035\\\" - yearly renewable term\\r036-039 - reserved for Additional Benefits (AB Segment)\\r\\\"040\\\" - return of premium\\r041-049 - reserved for Additional Benefits (AB Segment)\\r\\\"050\\\" - beneficiary indemnity\\r051-059 - reserved for Additional Benefits (AB Segment)\\r\\\"060\\\" - rateup/substandard - there must be one SBC 060 for each group of date ranges on the SS Segment\\r061-069 - reserved for Additional Benefits (AB Segment)\\r\\\"070\\\" - option to purchase additional insurance (GIO)\\r\\\"080\\\" - payor death\\r\\\"081\\\" - payor death and disability\\r\\\"090\\\" - minimum premium\\r\\\"091\\\" - excess premium\\r099 - premium total of all additional benefits for each coverage period\\r\\\"110\\\" - policy loan repayment\\r\\\"130\\\" - savings deposit fund (SDF) (flex pay) \\r\\\"140\\\" - basic premium amount for flex pay annuity bases and riders, and UL bases. This SBC is required for these products, even if the premium amount is zero, and field \\\"LM-BASIC-PREM\\\" must be zero. This SBC cannot exist for fixed premium annuities, ISWL bases or riders, and UL riders, even if the premium amount is zero. This SBC may be present for SPL/SPWL products if desired.\\r\\\"141\\\" - retirement deposit option (RDO)\\r\\\"142\\\" - annuity on deposit (AOD)\\r\\\"143\\\" - annuity to purchase mutual funds\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u00073.\\u0007LM-SBC-PREM\\rModal amount to be billed. This amount\\ris not included in fields \\\"LM-LAP\\\" or \\\"LM-BASIC-PREM\\\" except for SBC 008, which is included in field \\\"LM-LAP\\\" only. The mode premium (if any) for UL bases and annuities (SBC 140) goes in this field instead of field \\\"LM-LAP\\\" and \\\"LM-BASIC-PREM\\\". For SBC 060, this field must equal the sum of all modal substandard premiums (within a single date range), regardless of field \\\"LM-SS-TYPE\\\", and cannot be zero.\\u0007S9(7)V99 C3.\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u00074.\\u0007LM-SBC-BEN\\rBenefit amount. This will typically be zero for SBC codes that define extra charges as opposed to extra benefits, but can be zero for benefits as well.\\u0007S9(7)V99 C3.\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u00075.\\u0007LM-SBC-BEGIN\\rThe begin date that identifies the period of time that benefits and charges are in effect in YYYYMMDD format.\""
}
],
"acceptance_criteria": [
"The system must identify clients seeking term coverage based on predefined criteria such as age, income, and coverage needs.",
"The system must segment these clients into a specific group for targeted marketing and sales efforts.",
"The system must generate marketing materials and sales scripts tailored to the needs of clients seeking term coverage.",
"The system must track the effectiveness of marketing campaigns directed at this customer segment, including metrics such as response rates and conversion rates.",
"The system must allow sales representatives to access detailed profiles of clients in this segment, including their specific coverage needs and preferences.",
"The system must ensure that all client data is handled in compliance with relevant data protection regulations.",
"The system must provide training materials and guidelines for sales representatives on how to effectively engage with clients seeking term coverage.",
"The system must integrate with existing CRM and marketing automation tools to streamline the targeting process.",
"The system must allow for periodic review and adjustment of the criteria used to identify clients seeking term coverage to ensure ongoing relevance and effectiveness.",
"The system must support the generation of reports that provide insights into the performance of marketing and sales efforts directed at this customer segment."
],
"created_at": "2025-01-28T22:12:01.714Z",
"updated_at": "2025-01-28T22:12:01.714Z"
},
{
"doc_uid": "8f68c38f-3267-47cc-9f3f-6d81f810cee6",
"uid": "0111d7b4-2848-45db-aec9-0e5e8fdb4d60",
"ref_id": "CREQ-005 Plan Codes and Benefits",
"summary": "Add a feature to accurately implement various plan codes and benefits, such as IT Coverage 10 Benefit 3, IT Coverage 20 Benefit 5, and corresponding NY versions, in the system to ensure correct policy issuance and administration.\n\n\n\n**Current client process**:\n\nCurrently, the system does not have a standardized method to handle various plan codes and benefits, leading to potential inaccuracies in policy issuance and administration.",
"references": [
{
"id": "b7a9381a-e83c-4c17-88b3-8211370d0caf",
"text": "\"Coverage Issue date\\n\\nThe extract file can send multiple records for riders and base coverage. \\nIf the record being sent is a rider, then send issue date for the rider. If the record sent is the base coverage, then send the issue date of the base coverage.\\n Policy Insured Information Policy Issue State Mapped\\n Delimiter 57 57 1 PIC X(1) \\n12 NUMBER_OF_UNITS 58 73 16 PIC 9(12).999 Number of Units for the benefit or rider Number of Units in Policy.\\n\\nSend result of 21/2: FACE / Field ID 13\\n Divided by 1000 Policy Policy Values Face Amount Mapped\\n Delimiter 74 74 1 PIC X(1) \\n13 VALUE_PER_UNIT 75 87 13 PIC 9(10).99 Value per Unit for the benefit or rider Value per Unit.\\n\\nIF plan has VARYING DB=Y then compute value with this formula (AD761-FACE * PRMFACT-AMT-PL) / LM-FACE) Else Send result of LM-FACE / VALUE_PER_UNIT (Field ID 13)\\n \\n Delimiter 88 88 1 PIC X(1) \\n14 GROSS_PREM_DUE 89 97 9 S9(9)V99 Gross Prem Due for the benefit or rider \\n Gross Prem Due for the benefit or rider (Anything past due)\\n\\n1) Calculate Mode Premium, Annualized Premium, Monthly Premium, and Months Due\\n2) Calculate Due Premium from Months Due * Monthly Premium\\n Send value of Due Premium\\n \\n Delimiter 98 98 1 PIC X(1) \\n15 GROSS_PREM_DEFERRED 99 111 13 PIC S9(9)V99 Gross Prem Deferred for the benefit or rider\\n Gross Prem Deferred for the benefit or rider (Anything paid thru current period)\\n\\n1) Calculate Mode Premium, Deferred Months, Annualized Premium, and Monthly Premium\\n2) Calculate Deferred Premium from Deferred Months * Monthly Premium \\n Send value of Deferred Premium\\n \\n Delimiter 112 112 1 PIC X(1) \\n16 GROSS_PREM_ADVANCE 113 125 13 PIC S9(9)V99 Gross Prem Advance for the benefit or rider\\n Gross Prem Advance for the benefit or rider (What has been paid ahead of the billing period)\\n\\n1) Calculate Next Anniversary Date, Mode Premium - as of Next Anniversary Date, Monthly Premium, and Months of Advance Premium\\n2) Calculate Advance Premium from Monthly Premium * Months of Advance Premium\\n Send value of Advance Premium\\n \\n Delimiter 126 126 1 PIC X(1) \\n17 BILLING_MODE 127 127 1 PIC 9(1) Contains the billing mode for the policy\\n Premium Payment Mode/Frequency.\\n\\nExpected values:\\n1 = Annual\\n2 = Semiannual\\n3 = Quarterly\\n4 = Monthly\\n Policy Billing and Premium Payment Mode Mapped\\n Delimiter 128 128 1 PIC X(1) \\n18 PLAN_DESC_SEARCH_KEY 129 139 11 PIC X(11) Contains the key on which the policy becomes paid up. For renewable term policies, it is the key of the next renewal.\\n(6 digit Plan Code, plus 2 character option code)\\n The key on which the policy becomes \\npaid up. For renewable term policies, it is the key of the next renewal.\\n\\nExpected value: 6 digit Plan Code, plus 2 character option code\\n\\nFor CyberLife, Lincoln Benefit Life or Allstate Assurance companies, \\nFinancial Plan Code = Pseudo Plan Translation tab, Pseudo Short column (Column E) value and the policy issue date is between the Pseudo Plan Translation tab, IssueDateStart (Column F) and IssueDateEnd (Column G);\\nSend value from IssueDateStart (Column F) and IssueDateEnd (Column G)\\nOtherwise, plan code from LifeSys\\n \\nFor CyberLife, Allstate Life Ins Co, Surety Life Ins, or Allstate Co Lincoln companies, send plan code from LifeSys;\\n\\nFor Atlas, send plan code from LifeSys\\n \\n Delimiter 140 140 1 PIC X(1) \\n19 ReportingDate 141 148 8 PIC 9(8) The Month-End date (calendar date, not actual run date) for which the report is run, in YYYYMMDD format. The Month-End date (calendar date, not actual run date) for which the report is run, in YYYYMMDD format\\n\\nExample: If the report is run on the last business day of the month (12/30) but the last calendar date is 12/31, this value will be 12/31.\\n \\n Delimiter 149 149 1 PIC X(1) \\n20 OriginalAdminSystem 150 151 2 PIC X(2) Original Admin System at Allstate\\n EVL administration system based on the Everlake/Allstate Old Company Number.\""
},
{
"id": "62792652-53a0-40d2-9d2f-9f4aaebf2355",
"text": "\"This field will include plan codes for base, rider and supplemental coverages. \\n\\nCyberLife companies 00 or 06 - pseudo codes:\\nIf the financial plan code value is the same as the Pseudo Short (Column E) column and the issue date is between IssueDateStart (Column F) and IssueDateEnd (Column G) columns, send the value in the Pseudo Long column (Column D). Otherwise, send the non-pseudo plan code from LifeSys.\\n\\nCyberLife companies 01, 04, or 05:\\nBase coverages, send the plan code from the CyberLife admin system\\nRiders/supplemental benefit coverages, send the LifeSys plan code.\\n\\nCyberLife company with ADB: Send 010\\n\\nCyberLife company 00, 05, or 06 with WOP: Send 34\\n\\nCyberLife company 00, 05, or 06 with GIR: Send 76\\n\\nCyberLife companies, policy riders: Send the plan code for the rider\\n\\nCyberLife company, policy has a base with an ADB and an AIR rider with an ADB: Send the rider plan code onteh second ADB\\n\\nAtlas companies 30 or 31 - base and riders:\\nA) Get LifeSys plan code and option\\nB) Determine AMORTIZATION_CODE, from following rules:\\n 1) If positons 1-4 are >= 7424 and <= 7455 AND Atlas Mnemonic in LifeSys includes 06, amortization code = A\\n 2) If positons 1-4 are >= 7424 and <= 7455 AND Atlas Mnemonic in LifeSys includes 08, amortization code = B\\n 3) If positons 1-4 are >= 7424 and <= 7455 AND Atlas Mnemonic in LifeSys includes 10, amortization code = C\\n 4) If positons 1-4 are >= 7424 and <= 7455 AND Atlas Mnemonic in LifeSys includes 12, amortization code = D\\nC) If plan code, positions 1-4 = value in admin_plan_code (Column D) AND AMORTIZATION_CODE = value in amortiz (Column E), \\n 1) Replace plan option, positions 1-4 with values from exo_plan_code (Column F)\\nD) Otherwise, send the combined value of the LifeSys plan code and option\\n\\nAtlas companies 30 or 31 - supplemental benefit coverages:\\nA) Get LifeSys base policy number\\nB) Compare to ATLAS Plan SBC Conversion tab, LifeSys pol # column (Column A),\\n 1) If the values match, send the value from Pol_Plan (Column D) and POL_SBC_TYPE_1 (Column E), if the value in not NULL\\n i) Repeat for send the value from Pol_Plan (Column D) and POL_SBC_TYPE_2 (Column J), if the value is not NULL\\n\\nAtlas ADB Decreasing Term Prod Plan ID should be 0A\\nStill to be confirmed with Matt & Astro 21/K: OLD CO (LSN997)\\n21/K: FIN PLAN (LSN997)\\n21/K: ISSUED (LSN997)\\n21/K: CYBER PLAN (LSN997)\\n\\n21/1: PLAN (LSN167)\\n\\n21/1: POLICY ID\\n95/100/000: PRODUCT CATEGORY (LSN349)\\n21/2: TYPE (LSN314)\\n\\n95/100/000: GENERIC PLAN DESCRIPTION (LSN349)\\n\\n\\n21/K: ATLAS_MNEMONIC\\n95/100/000: FORM (LSN343)\\n95/100/000: OPT (LSN343)\\n\\n\\nPOLICYSTATUSCD (Field 38)\\nProdPlan_ETI_Conversion Tab SRC-OLD-CO\\nSRC-FINANCIAL-PLAN\\nLM-ISSUE\\nSRC-CYBER-ATLAS-PLAN\\n\\nLM-PLAN1-6\\nLM-PLAN-PLANOPTX\\nLM-POL\\nPR-PRODUCT-CATEGORY\\nGN-NAME-PL\\nPR-DESC\\n\\nLM-SBC-TYPE\\n\\nPOL-PLAN\\nSRC-ATLAS-MNEMONIC\\nLM-FORMOPTXLM-PLAN1-6\\nLM-FORMOPTX\\n\\nPOLICYSTATUSCD (Field 38)\\nProdPlan_ETI_Conversion Tab If POLICYSTATUSCD = 44 (ETI)\\n CHECK PRODPLAN_ETI TAB\\n IF PLAN CODE IS IN COLUMN 1, PASS VALUE IN COLUMN 2\\n ELSE\""
},
{
"id": "cbedb16a-6820-40e6-bc59-3392c1ec6a8e",
"text": "\"For interest sensitive products, this date is usually the last monthaversary date. For traditional products, it is usually the prior anniversary date. For Cyberlife\\nSend year & month of last monthaversary for the policy record.\\nWill have mismatches during testing. be sent for this field. \\n41 BENEFIT/BENEFIT-LTC 199 207 9 \\n9(9) The coverage benefit. For life, it is the death benefit. For Cyberlife:\\nSend death benefit of the record.\\n\\nFor Policy Grouping 1M/3B:\\nThe amount that would be paid to the beneficiary at the time of the insured's death.\\n\\nFor decreasing term, this would be the decreased benefit amount. \\n42 CASH-VALUE 208 216 9 9(09) The coverage cash value or fund value. For traditional products, this Field contains the values as of the last anniversary. For interest sensitive products, this Field is usually the last monthaversary value. It does not need to be calculated as of the For Cyberlife: For NE and IL, always Zero. \\n \\n43 NEXT-CASH-VALUE 217 225 9 9(09) The next anniversary coverage cash value or fund value. For interest sensitive products, this Field is zero. For Cyberlife:\\nSend zero.\\n \\n44 PREM 226 234 9 9(07)V99 The first occurrence holds the premium for the base coverage. \\nFor interest sensitive products, the cost of insurance (COI) charge For Cyberlife\\nSend the annual premium amount for the base coverage. \\nNote: As per EVL, First occurrence only needs to be populated. \\n45 PREM 235 243 9 9(07)V99 The second occurrence holds the premium for any ADB coverage. For Cyberlife:\\nFor second occurrence, send zero. \\n46 PREM 244 252 9 9(07)V99 The third occurrence holds the premium for the WP coverage. For Cyberlife:\\nFor third occurrence, send zero. \\n47 DISTRIBUTION-CHANNEL 253 257 5 X(05) Distribution channel For Phase 0.5 & For Phase 1\\nFor Cyberlife:\\nPolicy Records will have agents/brokers tagged to them, which should be passed in this field.\\n\\nFor Phase 3:\\nFor Cyberlife: follow mapping similar to Phase 0.5 and Phase 1 \\n48 Retention Order 258 260 3 9(03) Retention order For Cyberlife:\\nSend blank.\\n\\nNote: In existing Allstate's extract, for Cyberlife, there are values 005 and 010 area available apart from 000. However, concluded to send Zeros in this field. This field is not currently sent in NF file. This field is used for NB and not for term conversion. \\n49 Plan Mnemonic 261 272 12 X(12) Plan mnemonic For Cyberlife:\\nSend corresponding long plan code.\\n \\n50 FILLER 273 278 6 x(06) \\n51 CLIENT-ID 279 293 15 X(15) Client ID used to uniquely identify an insured. If not available on the administrative system, a client ID will be assigned by TAI. For Cyberlife:\\nSend blank. \\n52 LAST-NAME\\n\\n\\n\\n 294 313 20 X(20) The last name, first name, and middle initial of the insured. The name on the rider may be different than the one on the basic coverage. A \\u2018relationship\\u2019 code of some type will identify the correct name for the insured. For Cyberlife:\\nSend Insured's Last name.\\n\\nName of insured to be used from Side file.\\nThe name should be read only from side file all the time, even if the System has changes in names after cutover.\\n\\nNote: Sidefile needs to be updated on the existing 6/30 TAI extract. \\n53 FIRST-NAME 314 328 15 X(15) The last name, first name, and middle initial of the insured. The name on the rider may be different than the one on the basic coverage. A \\u2018relationship\\u2019 code of some type will identify the correct name for the insured. For Cyberlife:\\nSend Insured's Last name.\\n\\nName of insured to be used from Side file.\\nThe name should be read only from side file all the time, even if the System has changes in names after cutover.\\n\\nNote: Sidefile needs to be updated on the existing 6/30 TAI extract. \\n54 MID-INIT 329 329 1 X(01) The last name, first name, and middle initial of the insured. The name on the rider may be different than the one on the basic coverage. A \\u2018relationship\\u2019 code of some type will identify the correct name for the insured.\""
},
{
"id": "e72515bc-b2cc-4d1b-9d57-d59b2e030e1a",
"text": "\"New Business Manual \\n \\n \\n \\n\\u00a9 2017 NTT DATA, Inc. | Proprietary and Confidential | March 20, 2017 4 \\n \\n \\nAB Segments \\nThe health products for a client had multiple riders for employee, spouse and children with \\nseparate rates for each. Instead of adding these as riders to the policies, AB (Additional Benefit) \\nSegments were created. Rulesets for Supplemental Coverage Controls (SB) Ruleset under \\nProduct Controls were created. Additionally, a SBC code \\u201c99\\u201d was created to sum the billed \\npremium for these benefits. \\n \\nAdditionally, the Plan File Maintenance (95) screen 100/000 record and Plan File Processing \\nOptions (95) screen 100/300 record are built for the value per unit and rate file pointers for each \\nAB Segment, the same as for regular SBCs. For example; AB Segment 031 would have a Plan \\nFile Maintenance (95) screen 131/000 record and 131/300 record. The plan also needs a Plan \\nFile Maintenance (95) screen 199/000 record and 199/300 record in order to calculate \\npremiums. \\n \\nThe AB segments are viewed on screen Additional Benefit Maintenance (21/C) screen. They \\nare added in New Business by pressing F16 (Shift + F4) from the Coverage Maintenance (12) \\nscreen only, after the initial data entry and verification is completed. \\n \\nTo add an AB segment in New Business go to the Coverage Maintenance (12) screen. Press \\nF16 (Shift + F4), change the ACTION \\u201cL\\u201d to \\u201cM\\u201d, and press Enter. The benefit type (TYP) and \\namount are all input that is required. The system calculates the premium and the begin date \\n(BEG DATE) and expiry dates (END DATE) based on the base plan. \\n \\nTo add an AB segment on the Policy Maintenance (21) screen, modify the Additional Benefit \\nMaintenance (21/C) screen. The benefit type (TYP), amount (BENEFIT or UNITS), 0.00 \\nPREMIUM, begin (BEG DATE) and expiry dates (END DATE) must be entered. Then go to the \\nBase-Rider Billing and Mode Maintenance (27/130) screen and modify and update for the \\nsystem to calculate the premium. \\n \\nThe Rulesets control the AB Segment type for the covered person, whether employee, spouse, \\nchild or family. It displays the covered person on the Additional Benefit Maintenance (21/C) \\nscreen based on the Ruleset coding. \\n \\nThe AB Segments use the same series of type codes as the SBCs. However, they cannot use \\none of the fixed SBC codes such as \\u201c010\\u201d or \\u201c020\\u201d. The codes for the AB segments can have \\ndifferent definitions in different plans determined by their definition in Rulesets. AB \\u201c031\\u201d may be \\nAccidental Death & Dismemberment (AD&D) in one plan and an Intensive Care Unit (ICU) \\nbenefit in another. \\n \\nThe AB Segments cannot be added or deleted through Retro. This should not create problems \\nbecause the policies are not interest sensitive. Normally, there should be no need to Retro \\nhealth policies.\"",
"file_name": "New Business Manual.pdf",
"page_label": "4"
},
{
"id": "a83eeb2d-052c-45fb-9808-e14e64cdf288",
"text": "\"For Cyberlife :\\nSend the number of insured. 01 value for individual policies and 02 for Joint policies. \\n \\n28 JOINT-AGE 114 115 2 9(2) Joint age to be used for reinsurance premium calculation. This Field should be filled in if the joint age used on the administrative system is also used for reinsurance.\\n\\nThis Field should be zeroes for single life policies. If a reinsurance joint age c For Cyberlife:\\nSend zero \\n29 PREM-TO-BE-WAIVED 116 124 9 \\n9(07)V99 The amount of premium that is to be waived if the coverage goes on waiver of premium status. The field will contain zeroes if the coverage does not have a waiver benefit. For Cyberlife:\\nSend zero\\n \\n30 SPEC-PREM 125 133 9 \\n9(07)V99 Amount of special premium and code identifying the type of premium. The special premium and type codes are defined for installation specific products. Examples of special premiums include policy split premiums, and guaranteed insurability riders premiu For Cyberlife:\\nSend zero\\n \\n31 \\nSPEC-PREM-TYPE 134 134 1 X(1) Amount of special premium and code identifying the type of premium. The special premium and type codes are defined for installation specific products. Examples of special premiums include policy split premiums, and guaranteed insurability riders premiu For Cyberlife:\\nSend Blank \\n32 DIVIDEND 135 143 9 \\n9(07)V99 This field contains the dividend on participating policies. This field should be filled in only if the reinsurers participate in dividends. For Cyberlife:\\nSend zero \\n33 OLD-POL-CO 144 146 3 X(03) Count of replaced Policies For Cyberlife :\\nSend the total number of occurrence of Replacement policies.\\nFor Phase 1, there are maximum of 4 occurrences. \\n34 OLD-POL 147 156 10 X(10) The original policy number for policies which have converted, reentered, etc. If this Field is not available, it should be left spaces.\\nIf available, the policy number is used in the \\u2018add as continuation\\u2019 logic. For Cyberlife :\\nSend the policy number available in the first occurrence of the replacement policy numbers. \\n35 ADMIN-CD 157 159 3 X(03) This Field identifies the policy administration system from which the policy record is created. For Cyberlife Co - C0, C5, C6:\\nIf Allstate Company Number Value is C0, C5, or C6 send CF4 \\n\\n Need new code for CF. \\n36 POL-FEE\\n(Optional) 160 164 5 \\n 9(03)V99 This Field contains the direct policy fee. For Cyberlife:\\nSend Zero \\n37 GROUP-ID 165 179 15 X(15) This Field contains the group ID for COLI/BOLI policies. For Cyberlife:\\nSend Blank.\\n\\nNote: As per Kelly(TAI), though the current Allstate extract has values, However, NTT shall send \\\"Blanks\\\". The mismatch will come up in the Testing and should be ignored. \\n38 LOCATION-CD 180 189 10 X(10) This field will contain the 2nd occurrence of the replacement policy number, next occurrence to the value in the Field# 34 (OLD-POL) For Cyberlife\\nSend the policy number available in the Second occurrence of the replacement policy numbers. \\n39 CURRENCY-CD 190 192 3 X(3) This Field contains an alpha currency code. Defined for each installation. For example, \\n\\nCAD = Canadian Dollar\\nUSD = U.S. Dollar\\nEUR = European Euro\\n GBP = British Pound For Cyberlife:\\nSend value \\\"USD\\\" \\n40 VALUES-DATE 193 198 6 9(6) Identifies the period represented by the benefit, cash value, and premiums. For interest sensitive products, this date is usually the last monthaversary date. For traditional products, it is usually the prior anniversary date. For Cyberlife\\nSend year & month of last monthaversary for the policy record.\\nWill have mismatches during testing. be sent for this field. \\n41 BENEFIT/BENEFIT-LTC 199 207 9 \\n9(9) The coverage benefit. For life, it is the death benefit. For Cyberlife:\\nSend death benefit of the record.\\n\\nFor Policy Grouping 1M/3B:\\nThe amount that would be paid to the beneficiary at the time of the insured's death.\\n\\nFor decreasing term, this would be the decreased benefit amount. \\n42 CASH-VALUE 208 216 9 9(09) The coverage cash value or fund value. For traditional products, this Field contains the values as of the last anniversary.\""
},
{
"id": "8a3aa4d7-3b47-4c0f-8e01-b8c315d766c8",
"text": "\"Policy Print \\n \\n \\n \\n\\u00a9 2016 NTT DATA, Inc. | Proprietary and Confidential | March 29, 2017 5 \\n \\n \\nFile Watcher \\nThe File Watcher program is started when the Policy Print Controller program is opened. The File Watcher \\nprogram will disconnect when the Policy Print Controller program is shut down. \\n \\nThe File Watcher program monitors a folder on the policy print server (LNK-PolAsm01). Download files \\ngenerated in LifeSys are directed to this folder. Incoming files are backed up, validated and moved to \\nanother folder that the Policy Print Controller program watches. Certain types of files are split into multiple \\nbatches and/or undergo preprocessing by the File Watcher program. \\n \\nThe File Watcher program also monitors folder D:\\\\TAGprtr\\\\Dataxfer\\\\vbdata for new files. New files arriving \\nfrom LifeSys into this folder are backed up, validated for correct filename format, company number and file \\ntype set up in Policy Print, and, for header/detail files. The program ensures that there are the same \\nnumber of semicolon-delimited values in each detail record as there are field names in the header. \\n \\nIn addition, the File Watcher program performs any necessary preprocessing, such as splitting policy files \\ninto smaller files with 20 or 30 detail lines each or adding detail lines some plan codes for specific \\ncompanies. \\n \\nFiles that are split into multiple smaller files are named with \\u201cS01\\u201d at the end of the middle filename \\nsegment for the first split file, \\u201cS02\\u201d for the second, and so on. Files that are modified (detail records added, \\netc.) are named with \\u201cM\\u201d at the end of the middle segment. If these files are then split, they are named \\n\\u201cMS01\\u201d, \\u201cMS02\\u201d, etc. \\n \\nFiles that are split or modified are backed up and then moved to the WatchA folder and added to the \\nPolicyPrint database. Files that are not split or modified are also moved to WatchA and added to the \\nPolicyPrint database. \\n \\nCertain company or company/file type files can be configured to be ignored by the system. Ignored files \\nand empty files are backed up and added to the PolicyPrint database, but are not moved to the WatchA \\nfolder. \\n \\nAll test company files are automatically redirected by the File Watcher program to the Model Office Policy \\nPrint environment and are processed by the Model Office group. This feature can be disabled if necessary.\"",
"file_name": "PC Application Manuals-Policy Print.pdf",
"page_label": "5"
},
{
"id": "b7a9381a-e83c-4c17-88b3-8211370d0caf",
"text": "\"Coverage Issue date\\n\\nThe extract file can send multiple records for riders and base coverage. \\nIf the record being sent is a rider, then send issue date for the rider. If the record sent is the base coverage, then send the issue date of the base coverage.\\n Policy Insured Information Policy Issue State Mapped\\n Delimiter 57 57 1 PIC X(1) \\n12 NUMBER_OF_UNITS 58 73 16 PIC 9(12).999 Number of Units for the benefit or rider Number of Units in Policy.\\n\\nSend result of 21/2: FACE / Field ID 13\\n Divided by 1000 Policy Policy Values Face Amount Mapped\\n Delimiter 74 74 1 PIC X(1) \\n13 VALUE_PER_UNIT 75 87 13 PIC 9(10).99 Value per Unit for the benefit or rider Value per Unit.\\n\\nIF plan has VARYING DB=Y then compute value with this formula (AD761-FACE * PRMFACT-AMT-PL) / LM-FACE) Else Send result of LM-FACE / VALUE_PER_UNIT (Field ID 13)\\n \\n Delimiter 88 88 1 PIC X(1) \\n14 GROSS_PREM_DUE 89 97 9 S9(9)V99 Gross Prem Due for the benefit or rider \\n Gross Prem Due for the benefit or rider (Anything past due)\\n\\n1) Calculate Mode Premium, Annualized Premium, Monthly Premium, and Months Due\\n2) Calculate Due Premium from Months Due * Monthly Premium\\n Send value of Due Premium\\n \\n Delimiter 98 98 1 PIC X(1) \\n15 GROSS_PREM_DEFERRED 99 111 13 PIC S9(9)V99 Gross Prem Deferred for the benefit or rider\\n Gross Prem Deferred for the benefit or rider (Anything paid thru current period)\\n\\n1) Calculate Mode Premium, Deferred Months, Annualized Premium, and Monthly Premium\\n2) Calculate Deferred Premium from Deferred Months * Monthly Premium \\n Send value of Deferred Premium\\n \\n Delimiter 112 112 1 PIC X(1) \\n16 GROSS_PREM_ADVANCE 113 125 13 PIC S9(9)V99 Gross Prem Advance for the benefit or rider\\n Gross Prem Advance for the benefit or rider (What has been paid ahead of the billing period)\\n\\n1) Calculate Next Anniversary Date, Mode Premium - as of Next Anniversary Date, Monthly Premium, and Months of Advance Premium\\n2) Calculate Advance Premium from Monthly Premium * Months of Advance Premium\\n Send value of Advance Premium\\n \\n Delimiter 126 126 1 PIC X(1) \\n17 BILLING_MODE 127 127 1 PIC 9(1) Contains the billing mode for the policy\\n Premium Payment Mode/Frequency.\\n\\nExpected values:\\n1 = Annual\\n2 = Semiannual\\n3 = Quarterly\\n4 = Monthly\\n Policy Billing and Premium Payment Mode Mapped\\n Delimiter 128 128 1 PIC X(1) \\n18 PLAN_DESC_SEARCH_KEY 129 139 11 PIC X(11) Contains the key on which the policy becomes paid up. For renewable term policies, it is the key of the next renewal.\\n(6 digit Plan Code, plus 2 character option code)\\n The key on which the policy becomes \\npaid up. For renewable term policies, it is the key of the next renewal.\\n\\nExpected value: 6 digit Plan Code, plus 2 character option code\\n\\nFor CyberLife, Lincoln Benefit Life or Allstate Assurance companies, \\nFinancial Plan Code = Pseudo Plan Translation tab, Pseudo Short column (Column E) value and the policy issue date is between the Pseudo Plan Translation tab, IssueDateStart (Column F) and IssueDateEnd (Column G);\\nSend value from IssueDateStart (Column F) and IssueDateEnd (Column G)\\nOtherwise, plan code from LifeSys\\n \\nFor CyberLife, Allstate Life Ins Co, Surety Life Ins, or Allstate Co Lincoln companies, send plan code from LifeSys;\\n\\nFor Atlas, send plan code from LifeSys\\n \\n Delimiter 140 140 1 PIC X(1) \\n19 ReportingDate 141 148 8 PIC 9(8) The Month-End date (calendar date, not actual run date) for which the report is run, in YYYYMMDD format. The Month-End date (calendar date, not actual run date) for which the report is run, in YYYYMMDD format\\n\\nExample: If the report is run on the last business day of the month (12/30) but the last calendar date is 12/31, this value will be 12/31.\\n \\n Delimiter 149 149 1 PIC X(1) \\n20 OriginalAdminSystem 150 151 2 PIC X(2) Original Admin System at Allstate\\n EVL administration system based on the Everlake/Allstate Old Company Number.\""
},
{
"id": "e72515bc-b2cc-4d1b-9d57-d59b2e030e1a",
"text": "\"New Business Manual \\n \\n \\n \\n\\u00a9 2017 NTT DATA, Inc. | Proprietary and Confidential | March 20, 2017 4 \\n \\n \\nAB Segments \\nThe health products for a client had multiple riders for employee, spouse and children with \\nseparate rates for each. Instead of adding these as riders to the policies, AB (Additional Benefit) \\nSegments were created. Rulesets for Supplemental Coverage Controls (SB) Ruleset under \\nProduct Controls were created. Additionally, a SBC code \\u201c99\\u201d was created to sum the billed \\npremium for these benefits. \\n \\nAdditionally, the Plan File Maintenance (95) screen 100/000 record and Plan File Processing \\nOptions (95) screen 100/300 record are built for the value per unit and rate file pointers for each \\nAB Segment, the same as for regular SBCs. For example; AB Segment 031 would have a Plan \\nFile Maintenance (95) screen 131/000 record and 131/300 record. The plan also needs a Plan \\nFile Maintenance (95) screen 199/000 record and 199/300 record in order to calculate \\npremiums. \\n \\nThe AB segments are viewed on screen Additional Benefit Maintenance (21/C) screen. They \\nare added in New Business by pressing F16 (Shift + F4) from the Coverage Maintenance (12) \\nscreen only, after the initial data entry and verification is completed. \\n \\nTo add an AB segment in New Business go to the Coverage Maintenance (12) screen. Press \\nF16 (Shift + F4), change the ACTION \\u201cL\\u201d to \\u201cM\\u201d, and press Enter. The benefit type (TYP) and \\namount are all input that is required. The system calculates the premium and the begin date \\n(BEG DATE) and expiry dates (END DATE) based on the base plan. \\n \\nTo add an AB segment on the Policy Maintenance (21) screen, modify the Additional Benefit \\nMaintenance (21/C) screen. The benefit type (TYP), amount (BENEFIT or UNITS), 0.00 \\nPREMIUM, begin (BEG DATE) and expiry dates (END DATE) must be entered. Then go to the \\nBase-Rider Billing and Mode Maintenance (27/130) screen and modify and update for the \\nsystem to calculate the premium. \\n \\nThe Rulesets control the AB Segment type for the covered person, whether employee, spouse, \\nchild or family. It displays the covered person on the Additional Benefit Maintenance (21/C) \\nscreen based on the Ruleset coding. \\n \\nThe AB Segments use the same series of type codes as the SBCs. However, they cannot use \\none of the fixed SBC codes such as \\u201c010\\u201d or \\u201c020\\u201d. The codes for the AB segments can have \\ndifferent definitions in different plans determined by their definition in Rulesets. AB \\u201c031\\u201d may be \\nAccidental Death & Dismemberment (AD&D) in one plan and an Intensive Care Unit (ICU) \\nbenefit in another. \\n \\nThe AB Segments cannot be added or deleted through Retro. This should not create problems \\nbecause the policies are not interest sensitive. Normally, there should be no need to Retro \\nhealth policies.\"",
"file_name": "New Business Manual.pdf",
"page_label": "4"
},
{
"id": "b7a9381a-e83c-4c17-88b3-8211370d0caf",
"text": "\"Coverage Issue date\\n\\nThe extract file can send multiple records for riders and base coverage. \\nIf the record being sent is a rider, then send issue date for the rider. If the record sent is the base coverage, then send the issue date of the base coverage.\\n Policy Insured Information Policy Issue State Mapped\\n Delimiter 57 57 1 PIC X(1) \\n12 NUMBER_OF_UNITS 58 73 16 PIC 9(12).999 Number of Units for the benefit or rider Number of Units in Policy.\\n\\nSend result of 21/2: FACE / Field ID 13\\n Divided by 1000 Policy Policy Values Face Amount Mapped\\n Delimiter 74 74 1 PIC X(1) \\n13 VALUE_PER_UNIT 75 87 13 PIC 9(10).99 Value per Unit for the benefit or rider Value per Unit.\\n\\nIF plan has VARYING DB=Y then compute value with this formula (AD761-FACE * PRMFACT-AMT-PL) / LM-FACE) Else Send result of LM-FACE / VALUE_PER_UNIT (Field ID 13)\\n \\n Delimiter 88 88 1 PIC X(1) \\n14 GROSS_PREM_DUE 89 97 9 S9(9)V99 Gross Prem Due for the benefit or rider \\n Gross Prem Due for the benefit or rider (Anything past due)\\n\\n1) Calculate Mode Premium, Annualized Premium, Monthly Premium, and Months Due\\n2) Calculate Due Premium from Months Due * Monthly Premium\\n Send value of Due Premium\\n \\n Delimiter 98 98 1 PIC X(1) \\n15 GROSS_PREM_DEFERRED 99 111 13 PIC S9(9)V99 Gross Prem Deferred for the benefit or rider\\n Gross Prem Deferred for the benefit or rider (Anything paid thru current period)\\n\\n1) Calculate Mode Premium, Deferred Months, Annualized Premium, and Monthly Premium\\n2) Calculate Deferred Premium from Deferred Months * Monthly Premium \\n Send value of Deferred Premium\\n \\n Delimiter 112 112 1 PIC X(1) \\n16 GROSS_PREM_ADVANCE 113 125 13 PIC S9(9)V99 Gross Prem Advance for the benefit or rider\\n Gross Prem Advance for the benefit or rider (What has been paid ahead of the billing period)\\n\\n1) Calculate Next Anniversary Date, Mode Premium - as of Next Anniversary Date, Monthly Premium, and Months of Advance Premium\\n2) Calculate Advance Premium from Monthly Premium * Months of Advance Premium\\n Send value of Advance Premium\\n \\n Delimiter 126 126 1 PIC X(1) \\n17 BILLING_MODE 127 127 1 PIC 9(1) Contains the billing mode for the policy\\n Premium Payment Mode/Frequency.\\n\\nExpected values:\\n1 = Annual\\n2 = Semiannual\\n3 = Quarterly\\n4 = Monthly\\n Policy Billing and Premium Payment Mode Mapped\\n Delimiter 128 128 1 PIC X(1) \\n18 PLAN_DESC_SEARCH_KEY 129 139 11 PIC X(11) Contains the key on which the policy becomes paid up. For renewable term policies, it is the key of the next renewal.\\n(6 digit Plan Code, plus 2 character option code)\\n The key on which the policy becomes \\npaid up. For renewable term policies, it is the key of the next renewal.\\n\\nExpected value: 6 digit Plan Code, plus 2 character option code\\n\\nFor CyberLife, Lincoln Benefit Life or Allstate Assurance companies, \\nFinancial Plan Code = Pseudo Plan Translation tab, Pseudo Short column (Column E) value and the policy issue date is between the Pseudo Plan Translation tab, IssueDateStart (Column F) and IssueDateEnd (Column G);\\nSend value from IssueDateStart (Column F) and IssueDateEnd (Column G)\\nOtherwise, plan code from LifeSys\\n \\nFor CyberLife, Allstate Life Ins Co, Surety Life Ins, or Allstate Co Lincoln companies, send plan code from LifeSys;\\n\\nFor Atlas, send plan code from LifeSys\\n \\n Delimiter 140 140 1 PIC X(1) \\n19 ReportingDate 141 148 8 PIC 9(8) The Month-End date (calendar date, not actual run date) for which the report is run, in YYYYMMDD format. The Month-End date (calendar date, not actual run date) for which the report is run, in YYYYMMDD format\\n\\nExample: If the report is run on the last business day of the month (12/30) but the last calendar date is 12/31, this value will be 12/31.\\n \\n Delimiter 149 149 1 PIC X(1) \\n20 OriginalAdminSystem 150 151 2 PIC X(2) Original Admin System at Allstate\\n EVL administration system based on the Everlake/Allstate Old Company Number.\""
},
{
"id": "e706f19f-8195-4248-b55a-b4d13c0664ae",
"text": "\"NB - in New Business pending approval\\rPO - in Policy Administration pending issuance.\\u0007X(2).\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u00074.\\u0007CS313-DELIMITER-2\\rItem separating field (;).\\u0007X(1).\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u00075.\\u0007CS313-POLICY-STATUS\\rCurrent status of application. Valid values are:\\r001 - licensing\\r003 - data entry\\r004 - verification\\r007 - system problem had occurred\\r008 - quality control (application in error)\\r009 - underwriting (pending approval)\\r010 - approved (in force)\\r011 - approved (not in force)\\r012 - conservation requested\\r013 - conserved after approval\\r014 - pending requirements\\r016 - not taken requested\\r019 - purge status\\u0007X(3).\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u00076.\\u0007CS313-DELIMITER-3\\rItem separating field (;).\\u0007X(1).\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u00077.\\u0007CS313-PAYOR-NAME\\rPayor name, in first, middle, last format.\\u0007X(30).\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u00078.\\u0007CS313-DELIMITER-4\\rItem separating field (;).\\u0007X(1).\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u00079.\\u0007CS313-PLAN-OPTION.\\r CS313-PLAN\\rPolicy plan code.\\r CS313-OPT\\rPolicy plan code option.\\u0007\\rX(6).\\r\\rX(2).\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u000710.\\u0007CS313-DELIMITER-5\\rItem separating field (;).\\u0007X(1).\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u000711.\\u0007CS313-ISSUE-DATE.\\r CS313-ISSUE-YR\\rYear of policy issuance.\\r CS313-MO\\rMonth of policy issuance.\\r CS313-DA\\rDay of policy issuance.\\u0007\\r9(4).\\r\\r9(2).\\r\\r9(2).\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u000712.\\u0007CS313-DELIMITER-6\\rItem separating field (;).\\u0007X(1).\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u000713.\\u0007CS313-AGENT-NUMBER\\rWriting agent1 of policy.\\u0007X(6).\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u000714.\\u0007CS313-DELIMITER-7\\rItem separating field (;).\\u0007X(1).\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u000715.\\u0007CS313-AGENT-NAME\\rAgent1 name, in first, middle, last format.\\u0007X(30).\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u000716\\u0007CS313-DELIMITER-8\\rItem separating field (;).\\u0007X(1).\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u000717.\\u0007CS313-AGENT-WORK-PHONE\\rAgent1 work phone number. When no business phone, will use home phone number.\\u0007X(10).\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u000718.\\u0007CS313-DELIMITER-9\\rItem separating field (;).\\u0007X(1).\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u000719.\\u0007CS313-PREMIUM-AMT\\rCash with application.\\u00079(9)V99.\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u000720.\\u0007CS313-DELIMITER-10\\rItem separating field (;).\\u0007X(1).\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u000721.\\u0007CS313-RECEIVED-DATE.\\r CS313-RCVD-YR\\rYear the policy was received.\\r CS313-RCVD-MO\\rMonth the policy was received.\\r CS313-RCVD-DA\\rDay the policy was received.\\u0007\\r9(4).\\r\\r9(2).\\r\\r9(2).\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u000722.\\u0007CS313-DELIMITER-11\\rItem separating field (;).\\u0007X(1).\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u000723.\\u0007CS313-ADDEDTO-NB-DATE.\""
},
{
"id": "e72515bc-b2cc-4d1b-9d57-d59b2e030e1a",
"text": "\"New Business Manual \\n \\n \\n \\n\\u00a9 2017 NTT DATA, Inc. | Proprietary and Confidential | March 20, 2017 4 \\n \\n \\nAB Segments \\nThe health products for a client had multiple riders for employee, spouse and children with \\nseparate rates for each. Instead of adding these as riders to the policies, AB (Additional Benefit) \\nSegments were created. Rulesets for Supplemental Coverage Controls (SB) Ruleset under \\nProduct Controls were created. Additionally, a SBC code \\u201c99\\u201d was created to sum the billed \\npremium for these benefits. \\n \\nAdditionally, the Plan File Maintenance (95) screen 100/000 record and Plan File Processing \\nOptions (95) screen 100/300 record are built for the value per unit and rate file pointers for each \\nAB Segment, the same as for regular SBCs. For example; AB Segment 031 would have a Plan \\nFile Maintenance (95) screen 131/000 record and 131/300 record. The plan also needs a Plan \\nFile Maintenance (95) screen 199/000 record and 199/300 record in order to calculate \\npremiums. \\n \\nThe AB segments are viewed on screen Additional Benefit Maintenance (21/C) screen. They \\nare added in New Business by pressing F16 (Shift + F4) from the Coverage Maintenance (12) \\nscreen only, after the initial data entry and verification is completed. \\n \\nTo add an AB segment in New Business go to the Coverage Maintenance (12) screen. Press \\nF16 (Shift + F4), change the ACTION \\u201cL\\u201d to \\u201cM\\u201d, and press Enter. The benefit type (TYP) and \\namount are all input that is required. The system calculates the premium and the begin date \\n(BEG DATE) and expiry dates (END DATE) based on the base plan. \\n \\nTo add an AB segment on the Policy Maintenance (21) screen, modify the Additional Benefit \\nMaintenance (21/C) screen. The benefit type (TYP), amount (BENEFIT or UNITS), 0.00 \\nPREMIUM, begin (BEG DATE) and expiry dates (END DATE) must be entered. Then go to the \\nBase-Rider Billing and Mode Maintenance (27/130) screen and modify and update for the \\nsystem to calculate the premium. \\n \\nThe Rulesets control the AB Segment type for the covered person, whether employee, spouse, \\nchild or family. It displays the covered person on the Additional Benefit Maintenance (21/C) \\nscreen based on the Ruleset coding. \\n \\nThe AB Segments use the same series of type codes as the SBCs. However, they cannot use \\none of the fixed SBC codes such as \\u201c010\\u201d or \\u201c020\\u201d. The codes for the AB segments can have \\ndifferent definitions in different plans determined by their definition in Rulesets. AB \\u201c031\\u201d may be \\nAccidental Death & Dismemberment (AD&D) in one plan and an Intensive Care Unit (ICU) \\nbenefit in another. \\n \\nThe AB Segments cannot be added or deleted through Retro. This should not create problems \\nbecause the policies are not interest sensitive. Normally, there should be no need to Retro \\nhealth policies.\"",
"file_name": "New Business Manual.pdf",
"page_label": "4"
},
{
"id": "04858a44-9d7d-49c9-abee-ce58411706c3",
"text": "\"Note: Copied from TAITAX datamapping document. Trad should follow the same logic. Policy View Coverage Detail Coverage Number Mapped\\n46 CoverageTypeCd 308 308 1 PIC X(1) Rider Indicator Rider Indicator\\n\\nIf Base, send 0\\nIf AIR, CLTR, PITR, or PUR riders, send L\\nIf WOP rider, send 3\\nIf ADB rider, send 1\\nIf GIR rider, send 7\\nIf ROP rider, send P\\nNOTE: There should be one record for each rider. \\n 21/C: TYP (LSN382) LM-RIDER Will be a straight mapping of:\\nBase = 0\\nRiders = L (AIR, CLTR, PITR, PUR)\\nWOP = 3\\nADB = 1\\nGIR = 7\\nROP = P\\n\\nNOTE: There should be one record for each rider. \\n derived Policy Coverages Coverage Name Mapped\\n47 PolicyCoverageMaturityDt 310 317 8 PIC 9(8) Maturity Date \\nRider Expiration Date Policy CoverageMaturity/Expiration Date\\n\\nBase policy, send maturity date;\\nSupplemental benefits, send the benfefit expiration date for each occurrence;\\nPolicies with riders, send the rider maturity date for each occurrence\\n 21/2: MATURITY (LSN314)\\n27/180: SBC EXPIRY (LSN220)\\n27/180: RIDER EXPIRY (LSN220) LM-MATURITY-DATE \\nLM-SS-EXPDATE\\nSBC-END-DATE For base policy, send LM-MATURITY-DATE\\nFor SBC's, send SBC-END-DATE for each occurrence\\nWhen LM-Rider <> blank (policy has riders), send LM-MATURITY for each occurrence\\n Maturity Date Mapped\\n48 BaseProductPlanID 319 324 6 PIC X(6) Base Plan Code\\nOB: Base Plan Code Six character plan code + Two digit option code as in NTT system\\n\\nPlan codes for the base coverages - \\nCyberLife companies 00 or 06 - pseudo codes:\\nIf the financial plan code value is the same as the Pseudo Short (Column E) column and the issue date is between IssueDateStart (Column F) and IssueDateEnd (Column G) columns, send the value in the Pseudo Long column (Column D). Otherwise, send the non-pseudo plan code from LifeSys.\\n\\nCyberLife companies 01, 04, or 05:\\nFor base coverages, send the plan code from the CyberLife admin system\\n\\nAtlas companies 30 or 31 - base:\\nA) Get LifeSys plan code and option\\nB) Determine AMORTIZATION_CODE, from following rules:\\n 1) If positons 1-4 are >= 7424 and <= 7455 AND Atlas Mnemonic in LifeSys includes 06, amortization code = A\\n 2) If positons 1-4 are >= 7424 and <= 7455 AND Atlas Mnemonic in LifeSys includes 08, amortization code = B\\n 3) If positons 1-4 are >= 7424 and <= 7455 AND Atlas Mnemonic in LifeSys includes 10, amortization code = C\\n 4) If positons 1-4 are >= 7424 and <= 7455 AND Atlas Mnemonic in LifeSys includes 12, amortization code = D\\nC) If plan code, positions 1-4 = value in admin_plan_code (Column D) AND AMORTIZATION_CODE = value in amortiz (Column E), \\n 1) Replace plan option, positions 1-4 with values from exo_plan_code (Column F)\\n 2) Otherwise, if plan option is populated, send value \\nD) Otherwise,\""
},
{
"id": "cbedb16a-6820-40e6-bc59-3392c1ec6a8e",
"text": "\"For interest sensitive products, this date is usually the last monthaversary date. For traditional products, it is usually the prior anniversary date. For Cyberlife\\nSend year & month of last monthaversary for the policy record.\\nWill have mismatches during testing. be sent for this field. \\n41 BENEFIT/BENEFIT-LTC 199 207 9 \\n9(9) The coverage benefit. For life, it is the death benefit. For Cyberlife:\\nSend death benefit of the record.\\n\\nFor Policy Grouping 1M/3B:\\nThe amount that would be paid to the beneficiary at the time of the insured's death.\\n\\nFor decreasing term, this would be the decreased benefit amount. \\n42 CASH-VALUE 208 216 9 9(09) The coverage cash value or fund value. For traditional products, this Field contains the values as of the last anniversary. For interest sensitive products, this Field is usually the last monthaversary value. It does not need to be calculated as of the For Cyberlife: For NE and IL, always Zero. \\n \\n43 NEXT-CASH-VALUE 217 225 9 9(09) The next anniversary coverage cash value or fund value. For interest sensitive products, this Field is zero. For Cyberlife:\\nSend zero.\\n \\n44 PREM 226 234 9 9(07)V99 The first occurrence holds the premium for the base coverage. \\nFor interest sensitive products, the cost of insurance (COI) charge For Cyberlife\\nSend the annual premium amount for the base coverage. \\nNote: As per EVL, First occurrence only needs to be populated. \\n45 PREM 235 243 9 9(07)V99 The second occurrence holds the premium for any ADB coverage. For Cyberlife:\\nFor second occurrence, send zero. \\n46 PREM 244 252 9 9(07)V99 The third occurrence holds the premium for the WP coverage. For Cyberlife:\\nFor third occurrence, send zero. \\n47 DISTRIBUTION-CHANNEL 253 257 5 X(05) Distribution channel For Phase 0.5 & For Phase 1\\nFor Cyberlife:\\nPolicy Records will have agents/brokers tagged to them, which should be passed in this field.\\n\\nFor Phase 3:\\nFor Cyberlife: follow mapping similar to Phase 0.5 and Phase 1 \\n48 Retention Order 258 260 3 9(03) Retention order For Cyberlife:\\nSend blank.\\n\\nNote: In existing Allstate's extract, for Cyberlife, there are values 005 and 010 area available apart from 000. However, concluded to send Zeros in this field. This field is not currently sent in NF file. This field is used for NB and not for term conversion. \\n49 Plan Mnemonic 261 272 12 X(12) Plan mnemonic For Cyberlife:\\nSend corresponding long plan code.\\n \\n50 FILLER 273 278 6 x(06) \\n51 CLIENT-ID 279 293 15 X(15) Client ID used to uniquely identify an insured. If not available on the administrative system, a client ID will be assigned by TAI. For Cyberlife:\\nSend blank. \\n52 LAST-NAME\\n\\n\\n\\n 294 313 20 X(20) The last name, first name, and middle initial of the insured. The name on the rider may be different than the one on the basic coverage. A \\u2018relationship\\u2019 code of some type will identify the correct name for the insured. For Cyberlife:\\nSend Insured's Last name.\\n\\nName of insured to be used from Side file.\\nThe name should be read only from side file all the time, even if the System has changes in names after cutover.\\n\\nNote: Sidefile needs to be updated on the existing 6/30 TAI extract. \\n53 FIRST-NAME 314 328 15 X(15) The last name, first name, and middle initial of the insured. The name on the rider may be different than the one on the basic coverage. A \\u2018relationship\\u2019 code of some type will identify the correct name for the insured. For Cyberlife:\\nSend Insured's Last name.\\n\\nName of insured to be used from Side file.\\nThe name should be read only from side file all the time, even if the System has changes in names after cutover.\\n\\nNote: Sidefile needs to be updated on the existing 6/30 TAI extract. \\n54 MID-INIT 329 329 1 X(01) The last name, first name, and middle initial of the insured. The name on the rider may be different than the one on the basic coverage. A \\u2018relationship\\u2019 code of some type will identify the correct name for the insured.\""
},
{
"id": "b7a9381a-e83c-4c17-88b3-8211370d0caf",
"text": "\"Coverage Issue date\\n\\nThe extract file can send multiple records for riders and base coverage. \\nIf the record being sent is a rider, then send issue date for the rider. If the record sent is the base coverage, then send the issue date of the base coverage.\\n Policy Insured Information Policy Issue State Mapped\\n Delimiter 57 57 1 PIC X(1) \\n12 NUMBER_OF_UNITS 58 73 16 PIC 9(12).999 Number of Units for the benefit or rider Number of Units in Policy.\\n\\nSend result of 21/2: FACE / Field ID 13\\n Divided by 1000 Policy Policy Values Face Amount Mapped\\n Delimiter 74 74 1 PIC X(1) \\n13 VALUE_PER_UNIT 75 87 13 PIC 9(10).99 Value per Unit for the benefit or rider Value per Unit.\\n\\nIF plan has VARYING DB=Y then compute value with this formula (AD761-FACE * PRMFACT-AMT-PL) / LM-FACE) Else Send result of LM-FACE / VALUE_PER_UNIT (Field ID 13)\\n \\n Delimiter 88 88 1 PIC X(1) \\n14 GROSS_PREM_DUE 89 97 9 S9(9)V99 Gross Prem Due for the benefit or rider \\n Gross Prem Due for the benefit or rider (Anything past due)\\n\\n1) Calculate Mode Premium, Annualized Premium, Monthly Premium, and Months Due\\n2) Calculate Due Premium from Months Due * Monthly Premium\\n Send value of Due Premium\\n \\n Delimiter 98 98 1 PIC X(1) \\n15 GROSS_PREM_DEFERRED 99 111 13 PIC S9(9)V99 Gross Prem Deferred for the benefit or rider\\n Gross Prem Deferred for the benefit or rider (Anything paid thru current period)\\n\\n1) Calculate Mode Premium, Deferred Months, Annualized Premium, and Monthly Premium\\n2) Calculate Deferred Premium from Deferred Months * Monthly Premium \\n Send value of Deferred Premium\\n \\n Delimiter 112 112 1 PIC X(1) \\n16 GROSS_PREM_ADVANCE 113 125 13 PIC S9(9)V99 Gross Prem Advance for the benefit or rider\\n Gross Prem Advance for the benefit or rider (What has been paid ahead of the billing period)\\n\\n1) Calculate Next Anniversary Date, Mode Premium - as of Next Anniversary Date, Monthly Premium, and Months of Advance Premium\\n2) Calculate Advance Premium from Monthly Premium * Months of Advance Premium\\n Send value of Advance Premium\\n \\n Delimiter 126 126 1 PIC X(1) \\n17 BILLING_MODE 127 127 1 PIC 9(1) Contains the billing mode for the policy\\n Premium Payment Mode/Frequency.\\n\\nExpected values:\\n1 = Annual\\n2 = Semiannual\\n3 = Quarterly\\n4 = Monthly\\n Policy Billing and Premium Payment Mode Mapped\\n Delimiter 128 128 1 PIC X(1) \\n18 PLAN_DESC_SEARCH_KEY 129 139 11 PIC X(11) Contains the key on which the policy becomes paid up. For renewable term policies, it is the key of the next renewal.\\n(6 digit Plan Code, plus 2 character option code)\\n The key on which the policy becomes \\npaid up. For renewable term policies, it is the key of the next renewal.\\n\\nExpected value: 6 digit Plan Code, plus 2 character option code\\n\\nFor CyberLife, Lincoln Benefit Life or Allstate Assurance companies, \\nFinancial Plan Code = Pseudo Plan Translation tab, Pseudo Short column (Column E) value and the policy issue date is between the Pseudo Plan Translation tab, IssueDateStart (Column F) and IssueDateEnd (Column G);\\nSend value from IssueDateStart (Column F) and IssueDateEnd (Column G)\\nOtherwise, plan code from LifeSys\\n \\nFor CyberLife, Allstate Life Ins Co, Surety Life Ins, or Allstate Co Lincoln companies, send plan code from LifeSys;\\n\\nFor Atlas, send plan code from LifeSys\\n \\n Delimiter 140 140 1 PIC X(1) \\n19 ReportingDate 141 148 8 PIC 9(8) The Month-End date (calendar date, not actual run date) for which the report is run, in YYYYMMDD format. The Month-End date (calendar date, not actual run date) for which the report is run, in YYYYMMDD format\\n\\nExample: If the report is run on the last business day of the month (12/30) but the last calendar date is 12/31, this value will be 12/31.\\n \\n Delimiter 149 149 1 PIC X(1) \\n20 OriginalAdminSystem 150 151 2 PIC X(2) Original Admin System at Allstate\\n EVL administration system based on the Everlake/Allstate Old Company Number.\""
},
{
"id": "e706f19f-8195-4248-b55a-b4d13c0664ae",
"text": "\"NB - in New Business pending approval\\rPO - in Policy Administration pending issuance.\\u0007X(2).\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u00074.\\u0007CS313-DELIMITER-2\\rItem separating field (;).\\u0007X(1).\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u00075.\\u0007CS313-POLICY-STATUS\\rCurrent status of application. Valid values are:\\r001 - licensing\\r003 - data entry\\r004 - verification\\r007 - system problem had occurred\\r008 - quality control (application in error)\\r009 - underwriting (pending approval)\\r010 - approved (in force)\\r011 - approved (not in force)\\r012 - conservation requested\\r013 - conserved after approval\\r014 - pending requirements\\r016 - not taken requested\\r019 - purge status\\u0007X(3).\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u00076.\\u0007CS313-DELIMITER-3\\rItem separating field (;).\\u0007X(1).\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u00077.\\u0007CS313-PAYOR-NAME\\rPayor name, in first, middle, last format.\\u0007X(30).\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u00078.\\u0007CS313-DELIMITER-4\\rItem separating field (;).\\u0007X(1).\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u00079.\\u0007CS313-PLAN-OPTION.\\r CS313-PLAN\\rPolicy plan code.\\r CS313-OPT\\rPolicy plan code option.\\u0007\\rX(6).\\r\\rX(2).\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u000710.\\u0007CS313-DELIMITER-5\\rItem separating field (;).\\u0007X(1).\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u000711.\\u0007CS313-ISSUE-DATE.\\r CS313-ISSUE-YR\\rYear of policy issuance.\\r CS313-MO\\rMonth of policy issuance.\\r CS313-DA\\rDay of policy issuance.\\u0007\\r9(4).\\r\\r9(2).\\r\\r9(2).\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u000712.\\u0007CS313-DELIMITER-6\\rItem separating field (;).\\u0007X(1).\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u000713.\\u0007CS313-AGENT-NUMBER\\rWriting agent1 of policy.\\u0007X(6).\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u000714.\\u0007CS313-DELIMITER-7\\rItem separating field (;).\\u0007X(1).\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u000715.\\u0007CS313-AGENT-NAME\\rAgent1 name, in first, middle, last format.\\u0007X(30).\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u000716\\u0007CS313-DELIMITER-8\\rItem separating field (;).\\u0007X(1).\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u000717.\\u0007CS313-AGENT-WORK-PHONE\\rAgent1 work phone number. When no business phone, will use home phone number.\\u0007X(10).\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u000718.\\u0007CS313-DELIMITER-9\\rItem separating field (;).\\u0007X(1).\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u000719.\\u0007CS313-PREMIUM-AMT\\rCash with application.\\u00079(9)V99.\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u000720.\\u0007CS313-DELIMITER-10\\rItem separating field (;).\\u0007X(1).\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u000721.\\u0007CS313-RECEIVED-DATE.\\r CS313-RCVD-YR\\rYear the policy was received.\\r CS313-RCVD-MO\\rMonth the policy was received.\\r CS313-RCVD-DA\\rDay the policy was received.\\u0007\\r9(4).\\r\\r9(2).\\r\\r9(2).\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u000722.\\u0007CS313-DELIMITER-11\\rItem separating field (;).\\u0007X(1).\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u000723.\\u0007CS313-ADDEDTO-NB-DATE.\""
},
{
"id": "e72515bc-b2cc-4d1b-9d57-d59b2e030e1a",
"text": "\"New Business Manual \\n \\n \\n \\n\\u00a9 2017 NTT DATA, Inc. | Proprietary and Confidential | March 20, 2017 4 \\n \\n \\nAB Segments \\nThe health products for a client had multiple riders for employee, spouse and children with \\nseparate rates for each. Instead of adding these as riders to the policies, AB (Additional Benefit) \\nSegments were created. Rulesets for Supplemental Coverage Controls (SB) Ruleset under \\nProduct Controls were created. Additionally, a SBC code \\u201c99\\u201d was created to sum the billed \\npremium for these benefits. \\n \\nAdditionally, the Plan File Maintenance (95) screen 100/000 record and Plan File Processing \\nOptions (95) screen 100/300 record are built for the value per unit and rate file pointers for each \\nAB Segment, the same as for regular SBCs. For example; AB Segment 031 would have a Plan \\nFile Maintenance (95) screen 131/000 record and 131/300 record. The plan also needs a Plan \\nFile Maintenance (95) screen 199/000 record and 199/300 record in order to calculate \\npremiums. \\n \\nThe AB segments are viewed on screen Additional Benefit Maintenance (21/C) screen. They \\nare added in New Business by pressing F16 (Shift + F4) from the Coverage Maintenance (12) \\nscreen only, after the initial data entry and verification is completed. \\n \\nTo add an AB segment in New Business go to the Coverage Maintenance (12) screen. Press \\nF16 (Shift + F4), change the ACTION \\u201cL\\u201d to \\u201cM\\u201d, and press Enter. The benefit type (TYP) and \\namount are all input that is required. The system calculates the premium and the begin date \\n(BEG DATE) and expiry dates (END DATE) based on the base plan. \\n \\nTo add an AB segment on the Policy Maintenance (21) screen, modify the Additional Benefit \\nMaintenance (21/C) screen. The benefit type (TYP), amount (BENEFIT or UNITS), 0.00 \\nPREMIUM, begin (BEG DATE) and expiry dates (END DATE) must be entered. Then go to the \\nBase-Rider Billing and Mode Maintenance (27/130) screen and modify and update for the \\nsystem to calculate the premium. \\n \\nThe Rulesets control the AB Segment type for the covered person, whether employee, spouse, \\nchild or family. It displays the covered person on the Additional Benefit Maintenance (21/C) \\nscreen based on the Ruleset coding. \\n \\nThe AB Segments use the same series of type codes as the SBCs. However, they cannot use \\none of the fixed SBC codes such as \\u201c010\\u201d or \\u201c020\\u201d. The codes for the AB segments can have \\ndifferent definitions in different plans determined by their definition in Rulesets. AB \\u201c031\\u201d may be \\nAccidental Death & Dismemberment (AD&D) in one plan and an Intensive Care Unit (ICU) \\nbenefit in another. \\n \\nThe AB Segments cannot be added or deleted through Retro. This should not create problems \\nbecause the policies are not interest sensitive. Normally, there should be no need to Retro \\nhealth policies.\"",
"file_name": "New Business Manual.pdf",
"page_label": "4"
},
{
"id": "e706f19f-8195-4248-b55a-b4d13c0664ae",
"text": "\"NB - in New Business pending approval\\rPO - in Policy Administration pending issuance.\\u0007X(2).\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u00074.\\u0007CS313-DELIMITER-2\\rItem separating field (;).\\u0007X(1).\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u00075.\\u0007CS313-POLICY-STATUS\\rCurrent status of application. Valid values are:\\r001 - licensing\\r003 - data entry\\r004 - verification\\r007 - system problem had occurred\\r008 - quality control (application in error)\\r009 - underwriting (pending approval)\\r010 - approved (in force)\\r011 - approved (not in force)\\r012 - conservation requested\\r013 - conserved after approval\\r014 - pending requirements\\r016 - not taken requested\\r019 - purge status\\u0007X(3).\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u00076.\\u0007CS313-DELIMITER-3\\rItem separating field (;).\\u0007X(1).\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u00077.\\u0007CS313-PAYOR-NAME\\rPayor name, in first, middle, last format.\\u0007X(30).\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u00078.\\u0007CS313-DELIMITER-4\\rItem separating field (;).\\u0007X(1).\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u00079.\\u0007CS313-PLAN-OPTION.\\r CS313-PLAN\\rPolicy plan code.\\r CS313-OPT\\rPolicy plan code option.\\u0007\\rX(6).\\r\\rX(2).\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u000710.\\u0007CS313-DELIMITER-5\\rItem separating field (;).\\u0007X(1).\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u000711.\\u0007CS313-ISSUE-DATE.\\r CS313-ISSUE-YR\\rYear of policy issuance.\\r CS313-MO\\rMonth of policy issuance.\\r CS313-DA\\rDay of policy issuance.\\u0007\\r9(4).\\r\\r9(2).\\r\\r9(2).\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u000712.\\u0007CS313-DELIMITER-6\\rItem separating field (;).\\u0007X(1).\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u000713.\\u0007CS313-AGENT-NUMBER\\rWriting agent1 of policy.\\u0007X(6).\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u000714.\\u0007CS313-DELIMITER-7\\rItem separating field (;).\\u0007X(1).\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u000715.\\u0007CS313-AGENT-NAME\\rAgent1 name, in first, middle, last format.\\u0007X(30).\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u000716\\u0007CS313-DELIMITER-8\\rItem separating field (;).\\u0007X(1).\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u000717.\\u0007CS313-AGENT-WORK-PHONE\\rAgent1 work phone number. When no business phone, will use home phone number.\\u0007X(10).\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u000718.\\u0007CS313-DELIMITER-9\\rItem separating field (;).\\u0007X(1).\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u000719.\\u0007CS313-PREMIUM-AMT\\rCash with application.\\u00079(9)V99.\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u000720.\\u0007CS313-DELIMITER-10\\rItem separating field (;).\\u0007X(1).\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u000721.\\u0007CS313-RECEIVED-DATE.\\r CS313-RCVD-YR\\rYear the policy was received.\\r CS313-RCVD-MO\\rMonth the policy was received.\\r CS313-RCVD-DA\\rDay the policy was received.\\u0007\\r9(4).\\r\\r9(2).\\r\\r9(2).\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u000722.\\u0007CS313-DELIMITER-11\\rItem separating field (;).\\u0007X(1).\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u000723.\\u0007CS313-ADDEDTO-NB-DATE.\""
},
{
"id": "b7a9381a-e83c-4c17-88b3-8211370d0caf",
"text": "\"Coverage Issue date\\n\\nThe extract file can send multiple records for riders and base coverage. \\nIf the record being sent is a rider, then send issue date for the rider. If the record sent is the base coverage, then send the issue date of the base coverage.\\n Policy Insured Information Policy Issue State Mapped\\n Delimiter 57 57 1 PIC X(1) \\n12 NUMBER_OF_UNITS 58 73 16 PIC 9(12).999 Number of Units for the benefit or rider Number of Units in Policy.\\n\\nSend result of 21/2: FACE / Field ID 13\\n Divided by 1000 Policy Policy Values Face Amount Mapped\\n Delimiter 74 74 1 PIC X(1) \\n13 VALUE_PER_UNIT 75 87 13 PIC 9(10).99 Value per Unit for the benefit or rider Value per Unit.\\n\\nIF plan has VARYING DB=Y then compute value with this formula (AD761-FACE * PRMFACT-AMT-PL) / LM-FACE) Else Send result of LM-FACE / VALUE_PER_UNIT (Field ID 13)\\n \\n Delimiter 88 88 1 PIC X(1) \\n14 GROSS_PREM_DUE 89 97 9 S9(9)V99 Gross Prem Due for the benefit or rider \\n Gross Prem Due for the benefit or rider (Anything past due)\\n\\n1) Calculate Mode Premium, Annualized Premium, Monthly Premium, and Months Due\\n2) Calculate Due Premium from Months Due * Monthly Premium\\n Send value of Due Premium\\n \\n Delimiter 98 98 1 PIC X(1) \\n15 GROSS_PREM_DEFERRED 99 111 13 PIC S9(9)V99 Gross Prem Deferred for the benefit or rider\\n Gross Prem Deferred for the benefit or rider (Anything paid thru current period)\\n\\n1) Calculate Mode Premium, Deferred Months, Annualized Premium, and Monthly Premium\\n2) Calculate Deferred Premium from Deferred Months * Monthly Premium \\n Send value of Deferred Premium\\n \\n Delimiter 112 112 1 PIC X(1) \\n16 GROSS_PREM_ADVANCE 113 125 13 PIC S9(9)V99 Gross Prem Advance for the benefit or rider\\n Gross Prem Advance for the benefit or rider (What has been paid ahead of the billing period)\\n\\n1) Calculate Next Anniversary Date, Mode Premium - as of Next Anniversary Date, Monthly Premium, and Months of Advance Premium\\n2) Calculate Advance Premium from Monthly Premium * Months of Advance Premium\\n Send value of Advance Premium\\n \\n Delimiter 126 126 1 PIC X(1) \\n17 BILLING_MODE 127 127 1 PIC 9(1) Contains the billing mode for the policy\\n Premium Payment Mode/Frequency.\\n\\nExpected values:\\n1 = Annual\\n2 = Semiannual\\n3 = Quarterly\\n4 = Monthly\\n Policy Billing and Premium Payment Mode Mapped\\n Delimiter 128 128 1 PIC X(1) \\n18 PLAN_DESC_SEARCH_KEY 129 139 11 PIC X(11) Contains the key on which the policy becomes paid up. For renewable term policies, it is the key of the next renewal.\\n(6 digit Plan Code, plus 2 character option code)\\n The key on which the policy becomes \\npaid up. For renewable term policies, it is the key of the next renewal.\\n\\nExpected value: 6 digit Plan Code, plus 2 character option code\\n\\nFor CyberLife, Lincoln Benefit Life or Allstate Assurance companies, \\nFinancial Plan Code = Pseudo Plan Translation tab, Pseudo Short column (Column E) value and the policy issue date is between the Pseudo Plan Translation tab, IssueDateStart (Column F) and IssueDateEnd (Column G);\\nSend value from IssueDateStart (Column F) and IssueDateEnd (Column G)\\nOtherwise, plan code from LifeSys\\n \\nFor CyberLife, Allstate Life Ins Co, Surety Life Ins, or Allstate Co Lincoln companies, send plan code from LifeSys;\\n\\nFor Atlas, send plan code from LifeSys\\n \\n Delimiter 140 140 1 PIC X(1) \\n19 ReportingDate 141 148 8 PIC 9(8) The Month-End date (calendar date, not actual run date) for which the report is run, in YYYYMMDD format. The Month-End date (calendar date, not actual run date) for which the report is run, in YYYYMMDD format\\n\\nExample: If the report is run on the last business day of the month (12/30) but the last calendar date is 12/31, this value will be 12/31.\\n \\n Delimiter 149 149 1 PIC X(1) \\n20 OriginalAdminSystem 150 151 2 PIC X(2) Original Admin System at Allstate\\n EVL administration system based on the Everlake/Allstate Old Company Number.\""
},
{
"id": "e72515bc-b2cc-4d1b-9d57-d59b2e030e1a",
"text": "\"New Business Manual \\n \\n \\n \\n\\u00a9 2017 NTT DATA, Inc. | Proprietary and Confidential | March 20, 2017 4 \\n \\n \\nAB Segments \\nThe health products for a client had multiple riders for employee, spouse and children with \\nseparate rates for each. Instead of adding these as riders to the policies, AB (Additional Benefit) \\nSegments were created. Rulesets for Supplemental Coverage Controls (SB) Ruleset under \\nProduct Controls were created. Additionally, a SBC code \\u201c99\\u201d was created to sum the billed \\npremium for these benefits. \\n \\nAdditionally, the Plan File Maintenance (95) screen 100/000 record and Plan File Processing \\nOptions (95) screen 100/300 record are built for the value per unit and rate file pointers for each \\nAB Segment, the same as for regular SBCs. For example; AB Segment 031 would have a Plan \\nFile Maintenance (95) screen 131/000 record and 131/300 record. The plan also needs a Plan \\nFile Maintenance (95) screen 199/000 record and 199/300 record in order to calculate \\npremiums. \\n \\nThe AB segments are viewed on screen Additional Benefit Maintenance (21/C) screen. They \\nare added in New Business by pressing F16 (Shift + F4) from the Coverage Maintenance (12) \\nscreen only, after the initial data entry and verification is completed. \\n \\nTo add an AB segment in New Business go to the Coverage Maintenance (12) screen. Press \\nF16 (Shift + F4), change the ACTION \\u201cL\\u201d to \\u201cM\\u201d, and press Enter. The benefit type (TYP) and \\namount are all input that is required. The system calculates the premium and the begin date \\n(BEG DATE) and expiry dates (END DATE) based on the base plan. \\n \\nTo add an AB segment on the Policy Maintenance (21) screen, modify the Additional Benefit \\nMaintenance (21/C) screen. The benefit type (TYP), amount (BENEFIT or UNITS), 0.00 \\nPREMIUM, begin (BEG DATE) and expiry dates (END DATE) must be entered. Then go to the \\nBase-Rider Billing and Mode Maintenance (27/130) screen and modify and update for the \\nsystem to calculate the premium. \\n \\nThe Rulesets control the AB Segment type for the covered person, whether employee, spouse, \\nchild or family. It displays the covered person on the Additional Benefit Maintenance (21/C) \\nscreen based on the Ruleset coding. \\n \\nThe AB Segments use the same series of type codes as the SBCs. However, they cannot use \\none of the fixed SBC codes such as \\u201c010\\u201d or \\u201c020\\u201d. The codes for the AB segments can have \\ndifferent definitions in different plans determined by their definition in Rulesets. AB \\u201c031\\u201d may be \\nAccidental Death & Dismemberment (AD&D) in one plan and an Intensive Care Unit (ICU) \\nbenefit in another. \\n \\nThe AB Segments cannot be added or deleted through Retro. This should not create problems \\nbecause the policies are not interest sensitive. Normally, there should be no need to Retro \\nhealth policies.\"",
"file_name": "New Business Manual.pdf",
"page_label": "4"
},
{
"id": "cbedb16a-6820-40e6-bc59-3392c1ec6a8e",
"text": "\"For interest sensitive products, this date is usually the last monthaversary date. For traditional products, it is usually the prior anniversary date. For Cyberlife\\nSend year & month of last monthaversary for the policy record.\\nWill have mismatches during testing. be sent for this field. \\n41 BENEFIT/BENEFIT-LTC 199 207 9 \\n9(9) The coverage benefit. For life, it is the death benefit. For Cyberlife:\\nSend death benefit of the record.\\n\\nFor Policy Grouping 1M/3B:\\nThe amount that would be paid to the beneficiary at the time of the insured's death.\\n\\nFor decreasing term, this would be the decreased benefit amount. \\n42 CASH-VALUE 208 216 9 9(09) The coverage cash value or fund value. For traditional products, this Field contains the values as of the last anniversary. For interest sensitive products, this Field is usually the last monthaversary value. It does not need to be calculated as of the For Cyberlife: For NE and IL, always Zero. \\n \\n43 NEXT-CASH-VALUE 217 225 9 9(09) The next anniversary coverage cash value or fund value. For interest sensitive products, this Field is zero. For Cyberlife:\\nSend zero.\\n \\n44 PREM 226 234 9 9(07)V99 The first occurrence holds the premium for the base coverage. \\nFor interest sensitive products, the cost of insurance (COI) charge For Cyberlife\\nSend the annual premium amount for the base coverage. \\nNote: As per EVL, First occurrence only needs to be populated. \\n45 PREM 235 243 9 9(07)V99 The second occurrence holds the premium for any ADB coverage. For Cyberlife:\\nFor second occurrence, send zero. \\n46 PREM 244 252 9 9(07)V99 The third occurrence holds the premium for the WP coverage. For Cyberlife:\\nFor third occurrence, send zero. \\n47 DISTRIBUTION-CHANNEL 253 257 5 X(05) Distribution channel For Phase 0.5 & For Phase 1\\nFor Cyberlife:\\nPolicy Records will have agents/brokers tagged to them, which should be passed in this field.\\n\\nFor Phase 3:\\nFor Cyberlife: follow mapping similar to Phase 0.5 and Phase 1 \\n48 Retention Order 258 260 3 9(03) Retention order For Cyberlife:\\nSend blank.\\n\\nNote: In existing Allstate's extract, for Cyberlife, there are values 005 and 010 area available apart from 000. However, concluded to send Zeros in this field. This field is not currently sent in NF file. This field is used for NB and not for term conversion. \\n49 Plan Mnemonic 261 272 12 X(12) Plan mnemonic For Cyberlife:\\nSend corresponding long plan code.\\n \\n50 FILLER 273 278 6 x(06) \\n51 CLIENT-ID 279 293 15 X(15) Client ID used to uniquely identify an insured. If not available on the administrative system, a client ID will be assigned by TAI. For Cyberlife:\\nSend blank. \\n52 LAST-NAME\\n\\n\\n\\n 294 313 20 X(20) The last name, first name, and middle initial of the insured. The name on the rider may be different than the one on the basic coverage. A \\u2018relationship\\u2019 code of some type will identify the correct name for the insured. For Cyberlife:\\nSend Insured's Last name.\\n\\nName of insured to be used from Side file.\\nThe name should be read only from side file all the time, even if the System has changes in names after cutover.\\n\\nNote: Sidefile needs to be updated on the existing 6/30 TAI extract. \\n53 FIRST-NAME 314 328 15 X(15) The last name, first name, and middle initial of the insured. The name on the rider may be different than the one on the basic coverage. A \\u2018relationship\\u2019 code of some type will identify the correct name for the insured. For Cyberlife:\\nSend Insured's Last name.\\n\\nName of insured to be used from Side file.\\nThe name should be read only from side file all the time, even if the System has changes in names after cutover.\\n\\nNote: Sidefile needs to be updated on the existing 6/30 TAI extract. \\n54 MID-INIT 329 329 1 X(01) The last name, first name, and middle initial of the insured. The name on the rider may be different than the one on the basic coverage. A \\u2018relationship\\u2019 code of some type will identify the correct name for the insured.\""
}
],
"acceptance_criteria": [
"The system must be able to accurately store and retrieve plan codes for IT Coverage 10 Benefit 3, IT Coverage 20 Benefit 5, and their corresponding NY versions.",
"The system must ensure that the correct issue date is sent for riders and base coverage as specified: if the record is a rider, send the issue date for the rider; if the record is the base coverage, send the issue date of the base coverage.",
"The system must handle the number of units for the benefit or rider correctly, ensuring the value is stored and retrieved accurately.",
"The system must calculate the value per unit for the benefit or rider using the formula provided: if the plan has VARYING DB=Y, compute value with the formula (AD761-FACE * PRMFACT-AMT-PL) / LM-FACE; otherwise, send the result of LM-FACE / VALUE_PER_UNIT.",
"The system must calculate and send the correct values for Gross Premium Due, Gross Premium Deferred, and Gross Premium Advance for the benefit or rider, including Mode Premium, Annualized Premium, Monthly Premium, and Months Due.",
"The system must handle the billing mode for the policy accurately, supporting expected values: 1 = Annual, 2 = Semiannual, 3 = Quarterly, 4 = Monthly.",
"The system must correctly implement the plan description search key, ensuring it contains the key on which the policy becomes paid up, with the expected value being a 6-digit Plan Code plus a 2-character option code.",
"The system must handle the reporting date accurately, ensuring it reflects the Month-End date (calendar date, not actual run date) for which the report is run, in YYYYMMDD format.",
"The system must correctly identify and send the original admin system at Allstate based on the Everlake/Allstate Old Company Number.",
"The system must ensure that the policy status is accurately reflected and updated as per the valid values provided.",
"The system must handle the payor name, agent number, agent name, and agent work phone number accurately, ensuring these details are stored and retrieved correctly.",
"The system must handle the premium amount, received date, and added to new business date accurately, ensuring these values are stored and retrieved correctly."
],
"created_at": "2025-01-28T22:12:01.714Z",
"updated_at": "2025-01-28T22:12:01.714Z"
},
{
"doc_uid": "8f68c38f-3267-47cc-9f3f-6d81f810cee6",
"uid": "b4413837-d85e-41a3-a317-2dc78a226985",
"ref_id": "CREQ-006 Term Coverage Periods",
"summary": "Add a feature to handle different term lengths of 10 and 20 years for term coverage periods and calculate premiums accordingly.\n\n\n\n**Current client process**:\n\nCurrently, the system does not support handling different term lengths for term coverage periods of 10 and 20 years, nor does it calculate premiums accordingly.",
"references": [
{
"id": "b72c07bd-b250-41fa-8e1e-78587b66e927",
"text": "\"System Reference Manual \\n \\n \\n \\n\\u00a9 2023 NTT DATA, Inc. | Proprietary and Confidential | July 5, 2024 136 \\n \\n \\n17. PREM END AGE \\nThree-digit numeric. System will calculate when blank. Calculation uses the insured\\u2019s \\nissue age. If PERSON CONTROL on the Plan File Maintenance (95) screen 100/300 \\nrecord for the plan is greater than \\u201c1\\u201d, the calculation uses contract issue age. \\n \\n18. COV START \\nCoverage start date, MMDDYYYY. When blank, system will calculate it. When \\nPROCESSING OPTION 017 on the Company Options (92/1) screen is set to \\u201c1\\u201d, the \\ncoverage start date for all coverages must equal issue date. \\n \\n19. COV END \\nCoverage end date, MMDDYYYY, calculated by the system. \\n \\nNOTE: When coverage begin month/day is 0229, coverage end month/day will be 0228 when \\ncalculated end year is not a leap year. \\n \\nNOTE: For METHOD \\u201c003\\u201d or METHOD \\u201c7\\u201d, if PERSON CONTROL is > 1 (contract issue age is \\nused and must be calculated). \\n \\n20. COV END AGE \\nThree-digit coverage end age, calculated by the system. \\n \\nNOTE: For METHOD \\u201c003\\u201d or METHOD \\u201c7\\u201d, if PERSON CONTROL is > 1 (contract issue age is \\nused and must be calculated). \\n \\n21. DIVIDEND OPTION \\n blank no option \\n 1 cash \\n 2 reduce premiums \\n 3 purchase paid-up adds \\n 4 accumulate at interest \\n 5 purchase one year term \\n 6 apply to deposit fund \\n 7 apply to loan \\n 8 reduce premiums, include paid up riders\"",
"file_name": "System Reference-LifeSys System Reference.pdf",
"page_label": "136"
},
{
"id": "27099745-2910-4967-b812-93c844d916d0",
"text": "\"System Reference Manual \\n \\n \\n \\n\\u00a9 2022 NTT DATA, Inc. | Proprietary and Confidential | April 20 2020 136 \\n \\n \\n17. PREM END AGE \\nThree-digit numeric. System will calculate when blank. Calculation uses the insured\\u2019s \\nissue age. If PERSON CONTROL on the Plan File Maintenance (95) screen 100/300 \\nrecord for the plan is greater than \\u201c1\\u201d, the calculation uses contract issue age. \\n \\n18. COV START \\nCoverage start date, MMDDYYYY. When blank, system will calculate it. When \\nPROCESSING OPTION 017 on the Company Options (92/1) screen is set to \\u201c1\\u201d, the \\ncoverage start date for all coverages must equal issue date. \\n \\n19. COV END \\nCoverage end date, MMDDYYYY, calculated by the system. \\n \\nNOTE: When coverage begin month/day is 0229, coverage end month/day will be 0228 when \\ncalculated end year is not a leap year. \\n \\nNOTE: For METHOD \\u201c003\\u201d or METHOD \\u201c7\\u201d, if PERSON CONTROL is > 1 (contract issue age is \\nused and must be calculated). \\n \\n20. COV END AGE \\nThree-digit coverage end age, calculated by the system. \\n \\nNOTE: For METHOD \\u201c003\\u201d or METHOD \\u201c7\\u201d, if PERSON CONTROL is > 1 (contract issue age is \\nused and must be calculated). \\n \\n21. DIVIDEND OPTION \\n blank no option \\n 1 cash \\n 2 reduce premiums \\n 3 purchase paid-up adds \\n 4 accumulate at interest \\n 5 purchase one year term \\n 6 apply to deposit fund \\n 7 apply to loan \\n 8 reduce premiums, include paid up riders\"",
"file_name": "System Reference-New Business.pdf",
"page_label": "85"
},
{
"id": "e014b959-6f88-4edf-bc2b-b4639d7239de",
"text": "\"Same values as minimum face amount/units method one.\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u000789 - maximum face amount/units method two code. Same values as minimum face amount/units method one.\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u000790 - maximum face amount/units method three code. Same values as minimum face amount/units method one.\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u000791 - multiple minimum method selection code. Valid values are:\\r\\\"001\\\" - use method yielding lowest minimum\\r\\\"002\\\" - use method yielding greatest minimum\\r\\\"003\\\" - lowest/greatest does not apply\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u000792 - multiple maximum method selection code. Valid values are:\\r\\\"001\\\" - use method yielding lowest maximum\\r\\\"002\\\" - use method yielding greatest maximum.\\r\\\"003\\\" - lowest/greatest does not apply\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u000793 - face amount combined with primary ins code, indicating if term riders may qualify to have the face amount combined with the face amount of the basic benefit if the rider is attached to the primary insured. Valid values are:\\r001 - does not qualify\\r002 - face amount may be considered for combination with face amount on primary insured\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u000794 - minimum premium code. Valid values are:\\r\\\"001\\\" - not required\\r\\\"002\\\" - calculate annual minimum premium\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u000795 - target premium code. Valid values are:\\r\\\"001\\\" - not required\\r\\\"002\\\" - calculate annual target premium\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u000796 - cost of insurance deduction mode calculated by system code. Valid values are:\\r\\\"001\\\" - not required\\r\\\"002\\\" - monthly coi deduction against fund\\r\\\"003\\\" - quarterly coi deduction against fund\\r\\\"004\\\" - semi-annual coi deduction against fund\\r\\\"005\\\" - annual coi deduction against fund\\rNOTE: If field \\\"AR-NAR-MTHD\\\" on the Plan File Maintenance (95) screen, 400 record = \\\"06\\\", this field must = \\\"005\\\".\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u000797 - apply excess monies at approval code. Valid values are:\\r\\\"001\\\" - not required (standard processing - refund money)\\r\\\"002\\\" - apply excess to lump sum of primary insured\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u000798 - cost and disclosure benefit description code, indicating what description for the selected option will print on the cost and disclosure facing sheet. Valid values are:\\r\\\"001\\\" - not required\\r\\\"002\\\" - LP802 ART\\r\\\"003\\\" - LP803 10 year level term\\r\\\"004\\\" - LP804 decreasing term to 65\\r\\\"005\\\" - LP804 10 year decreasing term\\r\\\"006\\\" - LP804 15 year decreasing term\\r\\\"007\\\" - LP804 15 year mortgage\\r008\\\" - LP804 30 year mortgage\\r\\\"009\\\" - LP805 decreasing convertible term with child benefit\\r\\\"010\\\" - LP700 spouse rider\\r\\\"011\\\" - LP406 child's level term insurance benefit\\r\\\"012\\\" - LP107 whole life insurance\\r\\\"013\\\" - LP107's retirement premium deposit provision\\r\\\"014\\\" - LP405 10 year supplementary family income\\r\\\"015\\\" - LP405 15 year supplementary family income\\r\\\"016\\\" - LP405 20 year supplementary family income\\r\\\"017\\\" - LP701 child rider\\r\\\"018\\\" - LP703 covered insured rider\\r\\\"019\\\" - LP701 1 child rider\\r\\\"020\\\" - LP112 whole life insurance, increasing premium, non-participating\\r\\\"021\\\" - LP117 limited pay whole life\\r\\\"022\\\" - LP101 whole life insurance, non-participating\\r\\\"023\\\" - PL-1204 whole life non-par\\r\\\"024\\\" - RL-8163 child level term rider\\r\\\"025\\\" - RL-8164 annual decreasing term to 60 rider\\r\\\"026\\\" - RL-8165 spouse annual decreasing term to 65 rider\\r\\\"027\\\" - RL-8166 family coverage term rider\\r\\\"028\\\" - RL-8167 child term rider\\r\\\"029\\\" - PL-1204 life paid-up at 85\\r\\\"030\\\" - PL-1205 not defined\\r\\\"031\\\" - PL-1206 not defined\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u000799 - special monthly premium calculation on policy pages code.\""
},
{
"id": "e6e4c960-484f-4375-95c9-3f5a748ca0bf",
"text": "\"For Cyberlife :\\nSend the policy number available in the first occurrence of the replacement policy numbers. Not Policy.LegacyPolicyNumber - need to determine what value is contained \\n35 ADMIN-CD 157 159 3 X(03) This Field identifies the policy administration system from which the policy record is created. For Cyberlife Co - C0, C5, C6:\\nIf Allstate Company Number Value is C0, C5, or C6 send CF4 \\n\\n Need new code for CF. Policy.CarrierAdminSystem \\n36 POL-FEE\\n(Optional) 160 164 5 \\n 9(03)V99 This Field contains the direct policy fee. For Cyberlife:\\nSend Zero Policy.AnnualPremiumFee \\n37 GROUP-ID 165 179 15 X(15) This Field contains the group ID for COLI/BOLI policies. For Cyberlife:\\nSend Blank.\\n\\nNote: As per Kelly(TAI), though the current Allstate extract has values, However, NTT shall send \\\"Blanks\\\". The mismatch will come up in the Testing and should be ignored. Policy.GroupCode \\n38 LOCATION-CD 180 189 10 X(10) This field will contain the 2nd occurrence of the replacement policy number, next occurrence to the value in the Field# 34 (OLD-POL) For Cyberlife\\nSend the policy number available in the Second occurrence of the replacement policy numbers. Ignore\\n39 CURRENCY-CD 190 192 3 X(3) This Field contains an alpha currency code. Defined for each installation. For example, \\n\\nCAD = Canadian Dollar\\nUSD = U.S. Dollar\\nEUR = European Euro\\n GBP = British Pound For Cyberlife:\\nSend value \\\"USD\\\" See Coments >> Send \\\"USD\\\"\\n40 VALUES-DATE 193 198 6 9(6) Identifies the period represented by the benefit, cash value, and premiums. For interest sensitive products, this date is usually the last monthaversary date. For traditional products, it is usually the prior anniversary date. For Cyberlife\\nSend year & month of last monthaversary for the policy record.\\nWill have mismatches during testing. be sent for this field. DO NOT USE \\nFor WL - Last Anniversary Date\\nFor UL - Last Monthaversary Date Plug with last Year and last month date YYYYMM\\n41 BENEFIT/BENEFIT-LTC 199 207 9 \\n9(9) The coverage benefit. For life, it is the death benefit. For Cyberlife:\\nSend death benefit of the record.\\n\\nFor Policy Grouping 1M/3B:\\nThe amount that would be paid to the beneficiary at the time of the insured's death.\\n\\nFor decreasing term, this would be the decreased benefit amount. Do not use - Policy.CurrentNetDeathBenefit Use CurrentBaseDeathBenefit\\n42 CASH-VALUE 208 216 9 9(09) The coverage cash value or fund value. For traditional products, this Field contains the values as of the last anniversary. For interest sensitive products, this Field is usually the last monthaversary value. It does not need to be calculated as of the For Cyberlife: For NE and IL, always Zero. \\n For WL - Policy.BaseGuaranteedCashValue \\nFor UL - Policy.FundAggregate.UnloanedPlusLoanedCashValue \\n43 NEXT-CASH-VALUE 217 225 9 9(09) The next anniversary coverage cash value or fund value. For interest sensitive products, this Field is zero. For Cyberlife:\\nSend zero.\\n Check with Developer\\n44 PREM 226 234 9 9(07)V99 The first occurrence holds the premium for the base coverage. \\nFor interest sensitive products, the cost of insurance (COI) charge For Cyberlife\\nSend the annual premium amount for the base coverage. \\nNote: As per EVL, First occurrence only needs to be populated. Coverage.AnnualPremium For Base Coverage\\n45 PREM 235 243 9 9(07)V99 The second occurrence holds the premium for any ADB coverage. For Cyberlife:\\nFor second occurrence, send zero. Coverage.AnnualPremium Check Coverage for ADB\\n46 PREM 244 252 9 9(07)V99 The third occurrence holds the premium for the WP coverage. For Cyberlife:\\nFor third occurrence, send zero. Coverage.AnnualPremium Check Coverage for Waver\\n47 DISTRIBUTION-CHANNEL 253 257 5 X(05) Distribution channel For Phase 0.5 & For Phase 1\\nFor Cyberlife:\\nPolicy Records will have agents/brokers tagged to them, which should be passed in this field.\""
},
{
"id": "770a4ae3-85db-4d0c-b00d-eb585aa4a9a7",
"text": "\"System Reference Manual \\n \\n \\n \\n\\u00a9 2023 NTT DATA, Inc. | Proprietary and Confidential | July 5, 2024 318 \\n \\n \\n16. COV DESC. (D) \\n This field contains a description referring to the covered individuals. Controlled by the \\nSupplemental Coverage Ruleset Screen. \\n \\n17. BENEFIT (R) \\n This value is the face amount of coverage for the specified period. \\n \\nThe benefit amount is included in the death benefit when the description is defined as a \\nCost of Living Adjustment (COLA). \\n \\n18. UNITS (D) \\n This value is the units of coverage on the additional benefit. \\n \\n19. PREMIUM (D) \\n This value is the amount of benefit premium for the specified coverage period. This field \\nis required for Policy Administration, and will be calculated for New Business. \\n \\n20. BEG DATE (D) \\n This date is the beginning date of the coverage period in MMDDYYYY format. \\n \\n21. END DATE (D) \\n This date is the ending date of the coverage period in MMDDYYYY format. \\n \\nDuplicate Coverage for SSN section: \\n22. SSN (D) \\n This field contains the social security number of the insured or policy owner with \\nduplicate coverage. \\n \\n23. POLICYID (D) \\n This field contains the duplicate coverage policy ID. Ten-position field including rider \\ncode. \\n \\n24. TYPE (D) \\n Duplicate coverage type. Three digit code referring to the type of coverage. Valid types \\nare controlled by the Supplemental Coverage Ruleset Screen and are user defined. \\n \\n25. COVRULE (D) \\n Duplicate coverage Ruleset name. Controlled by the Supplemental Coverage Ruleset \\nScreen.\"",
"file_name": "System Reference-LifeSys System Reference.pdf",
"page_label": "318"
},
{
"id": "28c7f1d0-0828-44bb-9b43-f4e988f96e28",
"text": "\"Valid values are:\\r\\\"A\\\" - specified by age\\r\\\"M\\\" - specified in months\\u0007X.\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007 57O.\\u0007ACC-BEN-N1\\rBenefit period for accident occurrence one.\\u0007S9(3).\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007 57P.\\u0007SICK-BENRULE-N1\\rSickness benefit period rule occurrence one. Valid values are:\\r\\\"A\\\" - specified by age\\r\\\"M\\\" - specified in months\\u0007X.\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007 57Q.\\u0007SICK-BEN-N1\\rBenefit period for sickness occurrence one.\\u0007S9(3).\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007 57R.\\u0007SICK-ELIM-N1\\rElimination period for sickness occurrence one.\\u0007S9(3).\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007 57S.\\u0007ACC-ELIM-N1\\rElimnation period for accident in days.\\u0007S9(3).\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007 57T.\\u0007MIN-PREM-N1\\rFirst premium due when different than first mode premium, occurrence one.\\u0007S9(7)V99 C3.\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007 57U.\\u0007MOD-PREM-N1\\rModal coverage premium occurrence one.\\u0007S9(7)V99 C3.\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007 57V1.\\u0007PREMS-N1\\rThe following is a table of four occurrences of fields \\\"PREM-N1\\\" through \\\"PREMTYPE-N1\\\", for X(7) per occurrence. These fields occur four times within the larger table of ten occurrences.\\u0007X(28).\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007 57V2.\\u0007PREM-N1\\rPremium amount occurrence one.\\u0007S9(7)V99 C3.\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u000757V3.\\u0007PREMTYPE-N1\\rPremium type occurrence one. Valid values are:\\r\\\"00\\\" - not used\\u000799.\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\\"01\\\" - annual coverage premium. Rate by flat amount per volume\\r\\\"02\\\" - first year additional deposit\\r\\\"03\\\" - load percentage rate\\r\\\"04\\\" - add-on rate\\r\\\"05\\\" - expense charge rate\\r\\\"06\\\" - premium rate by percentage of total premium of all insured's coverage\\r\\\"07\\\" - policy fee\\r\\\"08\\\" - pass requested payment amount for external calculation\\r\\\"09\\\" - pass initial lump sum for external calculation\\r\\\"10\\\" - pass requested payment amount and initial lump sum for external calculation\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\\"11\\\" - premium rate by percentage of total premium of an insureds' coverages\\r\\\"12\\\" - first year minimum premium. Calculated as ((COI + surrender) / (1 - Front End Load)) - COI - policy fee\\r\\\"13\\\" - premium rate by flat amount per volume of coverage, like method 01 except not included in substandard premium calculation\\r\\\"14\\\" - mode policy fee\\r\\\"15\\\" - first minimum premium due. The greater of (annual requested payment + initial lump sum requested / minimum premium payment period) and total annual COI premium, modalized by bill code\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\\"16\\\" - premium rate by percentage of total target premium of all insureds' coverages\\r\\\"90\\\" - minimum premium\\r\\\"91\\\" - maximum premium\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007 57V4.\\u0007Entry occurrences 2-4 of fields \\\"PREM-N1\\\" above, for X(7) per occurrence. These occurrences are within the larger table of ten occurrences.\\u0007X(21).\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007 57W.\\u0007COVERAGE-SUBSTAN-N1\\rThe following is a table of two occurrences of fields \\\"SS-TYPE-N1\\\" through \\\"SS-PREM-N1\\\", and the reserved space after, for X(25) per occurrence. These fields occur two times within the larger table of ten occurrences.\\u0007X(50).\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u000757W1.\\u0007SS-TYPE-N1\\rUnderwriting substandard rating decision occurrence one.\""
},
{
"id": "30245a23-eba9-4e7a-8d55-cfb7e8cdd073",
"text": "\"System Reference Manual \\n \\n \\n \\n\\u00a9 2023 NTT DATA, Inc. | Proprietary and Confidential | July 5, 2024 1604 \\n \\n \\n4. SUB TYPE \\n Three-digit SUB TYPE of Plan Record. Must be \\u201c302\\u201d. \\n \\n5. EFFECTIVE DATE \\n Date Plan Data is in effect. Must be in YYYYMMDD format. This field cannot be blank \\nnot allowed. \\n \\nGUARANTEED COI RATING (4 occurrences) \\n6. METHOD \\n Two position code describing the type of premium entry or the basis of the premium \\nentry. The METHOD is used to access the Premium Rate Factor File (available through \\nScreen 94). Input is required (in all four occurrences), valid values include: \\n 00 not used \\n 01 premium rate by flat amount per volume of coverage (included in \\nsubstandard premium calculations) \\n 02 first year additional deposit \\n 03 flat annual premium amount \\n 05 expense charge \\n 06 current and guaranteed COI by percentage of total target premium of all \\ninsureds\\u2019 coverages (included in substandard calculations) \\n 07 policy fee plus account value load defined on COI Ruleset \\n 08 pass requested payment amount for external calculation \\n 09 pass initial lump sum for external calculation \\n 10 pass requested payment amount and initial lump sum for external \\ncalculation \\n 11 premium rate by percentage of total premium of an insured\\u2019s coverages \\n(included in substandard calculations) \\n 13 premium rate by flat amount per volume of coverage (not included in \\nsubstandard premium calculation for substandard type 30) \\n 15 flat amount additional load (added to the fund at time of premium \\npayment and deducted at time of COI deduction) \\n20 premium rate by percentage of total COI of contract benefit amount = total \\nunits of contract, for use of SBCs only. SBC 20s benefit is total COI units \\non contract. \\n21 premium rate by percentage of total COI of contract benefit amount = total \\nunits of contract, for use of SBCs only. SBC 20s benefit is total COI on \\ncontract. \\n 50 premium rate by flat amount per volume of coverage (percent \\nsubstandard is a percent of first year COI rate) \\n 90 minimum premium\"",
"file_name": "System Reference-LifeSys System Reference.pdf",
"page_label": "1604"
},
{
"id": "6f8c073a-3320-4a69-aa1c-c3ad3902d0b7",
"text": "\"System Reference Manual \\n \\n \\n \\n\\u00a9 2023 NTT DATA, Inc. | Proprietary and Confidential | July 5, 2024 1604 \\n \\n \\n4. SUB TYPE \\n Three-digit SUB TYPE of Plan Record. Must be \\u201c302\\u201d. \\n \\n5. EFFECTIVE DATE \\n Date Plan Data is in effect. Must be in YYYYMMDD format. This field cannot be blank \\nnot allowed. \\n \\nGUARANTEED COI RATING (4 occurrences) \\n6. METHOD \\n Two position code describing the type of premium entry or the basis of the premium \\nentry. The METHOD is used to access the Premium Rate Factor File (available through \\nScreen 94). Input is required (in all four occurrences), valid values include: \\n 00 not used \\n 01 premium rate by flat amount per volume of coverage (included in \\nsubstandard premium calculations) \\n 02 first year additional deposit \\n 03 flat annual premium amount \\n 05 expense charge \\n 06 current and guaranteed COI by percentage of total target premium of all \\ninsureds\\u2019 coverages (included in substandard calculations) \\n 07 policy fee plus account value load defined on COI Ruleset \\n 08 pass requested payment amount for external calculation \\n 09 pass initial lump sum for external calculation \\n 10 pass requested payment amount and initial lump sum for external \\ncalculation \\n 11 premium rate by percentage of total premium of an insured\\u2019s coverages \\n(included in substandard calculations) \\n 13 premium rate by flat amount per volume of coverage (not included in \\nsubstandard premium calculation for substandard type 30) \\n 15 flat amount additional load (added to the fund at time of premium \\npayment and deducted at time of COI deduction) \\n20 premium rate by percentage of total COI of contract benefit amount = total \\nunits of contract, for use of SBCs only. SBC 20s benefit is total COI units \\non contract. \\n21 premium rate by percentage of total COI of contract benefit amount = total \\nunits of contract, for use of SBCs only. SBC 20s benefit is total COI on \\ncontract. \\n 50 premium rate by flat amount per volume of coverage (percent \\nsubstandard is a percent of first year COI rate) \\n 90 minimum premium\"",
"file_name": "System Reference-General Maintenance.pdf",
"page_label": "436"
},
{
"id": "e05cda43-76cf-48cc-81ee-9b417211d924",
"text": "\"Owner Tax State - The state to which premium taxes are to be paid for considerations collected under the contract.\\n\\n* If blank, send 99\\n* Rider state values should match the base coverage state values.\\n \\n\\n21/4 TAX ST(LSN179) \\n\\nLM-OW-TAXING-STATE LM-OW-TAXING-STATE = blank, send 99\\nELSE send value from LM-OW-TAXING-STATE\\n\\nRider state values = base coverage state values \\n25 ApplicationStateProvCd 176 177 2 PIC X(2) Application State Issue state of the policy 21/1: ISS STATE (LSN167) Send LM-ISSUE-STATE Send LM-ISSUE-STATE Policy Insured Information Policy Issue State Mapped\\n26 NumOfTermDurationYears 179 181 3 PIC X(3) Term Duration Initial term period. \\n\\nCyberLife Plans: \\nIf base, AIR or PITR, send initial term period\\nOtherwise, zeros\\n\\nAtlas Plans:\\nIf plan code = 506515, 507522, 507622, 776515, 776522, 776622, or 776822,\\nsend initial term period - PrimaryInsIssuedAge (Field ID 3)\\nOtherwise, send initial term period\\n\\nFor WL (except for AIR,PITR, CLTR) send 0 ReportingCoverageTypeDesc (Field ID 27)\\n95/100/000-1: INIT TERM PERIOD (LSN343)\\n21/1: PLAN (LSN167)\\n PrimaryInsIssuedAge (Field ID 3) LM-PLAN1-6 For CyberLife (SourceSystemNameCd (Field ID 30) = CN, CI, or CS): \\nIf ReportingCoverageTypeDesc (Field ID 27) = BASE, AIR or PITR, \\nsend value of 95/100/000-1: INIT TERM PERIOD\\nELSE send zeros\\n\\nFor Atlas (SourceSystemNameCd (Field ID 30) = AT): \\nIf LM-PLAN1-6 = 506515, 507522, 507622, 776515, 776522, 776622, or 776822,\\nsend 95/100/000-1: INIT TERM PERIOD - PrimaryInsIssuedAge (Field ID 3)\\nELSE send 95/100/000-1: INIT TERM PERIOD\\n\\nFor WL (except for AIR, PITR, CLTR) send 0 N/A for Whole Life Mapped\\n27 ReportingCoverageTypeDesc 183 186 4 PIC X(4) Base_Rider Distinction\\nBase Rider Coverage category type.\\n\\nIf CoverageTypdeCd (Field Id 46) = BASE, send BASE;\\nIf policy has an ADB supplemental benefit, send ADB;\\nIf policy has an WOP supplemental benefit, send WOP;\\nIf policy has an ADB supplemental benefit, send GIR;\\nIf there is an AIR rider, send AIR;\\nIf there is an CLTR rider, send CLTR;\\nIf there is an PITR rider, send PITR;\\nIf there is an PUR rider, send PUR;\\nIf there is an ROP rider, send ROP.\\n 95/100/000: DESCRIPTION (LSN343)\\n\\n95/100/000: PRODUCT CATEGORY (LSN349)\\n\\n95/100/000: GENERIC PLAN DESC (LSN349)\\n\\n21/2: SUPPLEMENTAL BENEFITS AND CHARGES: TYPE PR-PRODUCT-CATEGORY\\nPR-DESC\\nLM-SBC-TYPE\\n\\nGN-NAME-PL If CoverageTypdeCd (Field Id 46) = 0, send BASE;\\n\\nIn LM-SBC-TYPE\\nIf SBC010 present, send ADB;\\nIf SBC020 or SBC022 present, send WOP;\\nIf SBC070 present, send GIR;\\n\\n\\n If PR-DESC OR PR-PRODUCT-CATEGORY OR GN-NAME-PL includes CHILDREN, CPR, CHILD, CTR OR CLTR send CLTR;\\n\\n If PR-DESC OR PR-PRODUCT-CATEGORY OR GN-NAME-PL includes AIR OR ADDITIONAL, send AIR;\\n\\n If PR-DESC OR PR-PRODUCT-CATEGORY OR GN-NAME-PL includes PTR, send PITR;\\n\\n If PR-DESC OR PR-PRODUCT-CATEGORY OR GN-NAME-PL includes PUR, send PUR;\\n\\n\\n\\n\\n derived derived Mapped\\n28 PrmryInsTblRatingCd 188 189 2 PIC X(2) Substandard Rating\\nOB: Substandard Rating Substandard Rating Method\\n\\nFor active segments with substandard rating flat table amount per $1000 of face for years shown or percentage extra table for years shown.\""
},
{
"id": "2665d88a-a7f9-4d1f-bb76-5bcdd5e224e9",
"text": "\"LifeSys General Information \\n \\n \\n \\n\\u00a9 2022 NTT DATA, Inc. | Proprietary and Confidential | April 20, 2020 44 \\n \\n \\nFace Amount / UNIT FACE AMOUNT PER UNIT (95/100) \\nx MCIA (MCIA is Mortality Factor from 19 Screen) \\nx (1-(Cash Value factor x (1 + GIR))/1000) \\nMortality Credit \\n \\nExpense Credit on base coverage is calculated as follows: \\nFace Amount / UNIT FACE AMOUNT PER UNIT (95/100) \\nx ECIA (ECIA is Expense Factor from 19 Screen) \\nExpense Credit \\n \\nCalculation of the Expense Credit for the premium paying CP Rider (If no CP Rider was purchased by premium \\nduring the year, this is bypassed). \\nFace Amount / UNIT FACE AMOUNT PER UNIT (95/100) \\nx ECIA (ECIA is Expense Factor from 19 Screen for CP Rider) \\nExpense Credit \\n \\nPaidup Units Purchased by Base is calculated as follows: \\nThe Excess Interest Credit is added to the Mortality and Expense Credits. This sum is then \\ndivided by the End of Year Unloaded Net Single Premium factor to find the number of units \\npurchased. \\n \\nTerm Purchase Option (TPO) allows a client to use Excess credits to purchase one-year term insurance up to \\ntarget death benefit, and is paid for using Excess Credits earned at the end of year, with any remaining \\nbalance purchasing PUAs. Calculation of TPO is as follows: \\n \\nTPO Target Face - (CPR and PUAs) = TPO Benefit to be purchased \\nIf TPO Benefit to be purchased is a negative value, then Excess credits are used to \\npurchase PUAs and the TPO death benefit is floored at $0 (see Paidup Units Purchased \\nby Base above). \\n \\nTPO Benefit to be purchased x TPO Premium Factor = TPO Cost. \\n \\nIf TPO Cost is greater than Excess credits, determine how much term coverage Excess \\ncredits purchase by: \\n \\nExcess credits / Premium factor \\nIf Excess credits are greater than TPO Cost, the difference purchases PUAs as \\nreferenced above (Paidup Units Purchased by Base).\"",
"file_name": "LifeSys General Information.pdf",
"page_label": "44"
},
{
"id": "0f570f02-daed-47f3-b9ca-57a4af276231",
"text": "\"System Reference Manual \\n \\n \\n \\n\\u00a9 2023 NTT DATA, Inc. | Proprietary and Confidential | July 5, 2024 946 \\n \\n \\n \\n4. OPT \\nThis field contains the plan option used to calculate premium rates. \\n \\n5. CLASS \\nThis field is automatically populated with the class from the Group Class Maintenance \\nscreen. This field is not modifiable. \\n \\n6. PRODUCT \\nThis field will indicate the product (insurance type). This field will initially be populated \\nwith the first insurance type for screen records. If no entries exist, this field will be blank. \\n \\n7. RIDER SHORT NAME \\nThis field contains the rider short name. This field will be populated based on the \\ndescription on the Group Rider Maintenance screen. \\n \\n8. EFF DATE \\nThis field defines the effective date of the rider in the format MMDDYYYY. \\n \\n9. MO \\nThis field indicates if the rider coverage is mandatory or optional. For a specific client, \\nthis controls the variable text on the rider pages. Valid values are: \\nBlank Not selected \\nM Mandatory \\nO Optional \\n \\n10. WAITING PERIOD \\nThis field defines the waiting period in days for the benefit. \\n \\n11. RECUR PCT \\nThis field indicates the percentage of the initial benefit available for recurrence. Valid \\nvalues are 0.0000-9.9999. \\n Added Q313\"",
"file_name": "System Reference-LifeSys System Reference.pdf",
"page_label": "946"
},
{
"id": "9513866b-f125-4b35-9e12-f1c9ab41a43f",
"text": "\"System Reference Manual \\n \\n \\n \\n\\u00a9 2023 NTT DATA, Inc. | Proprietary and Confidential | July 5, 2024 1558 \\n \\n \\n4. SUB TYPE \\n Subtype of plan record. Do not enter on this screen. \\n \\n5. EFFECTIVE DATE \\n Date plan data is in effect. Do not enter on this screen. \\n \\nCURRENT PREMIUM RATING ENTRIES \\n6. METHOD \\n This field contains a two position code describing the type of premium entry or the basis \\nof the premium entry. The METHOD is used to access the Premium Rate Factor File \\n(available through 94 screen). Input is required (in all four occurrences), valid values \\ninclude: \\n 00 not used \\n 01 premium rate by flat amount per volume of coverage (included in \\nsubstandard premium calculations) \\n 02 first year additional deposit \\n 03 flat annual premium amount \\n 05 expense charge \\n 06 waiver of target - COI rate by percentage of total target premium of all \\ninsureds coverages (allowed on current and guaranteed COI tables only) \\n(included in substandard calculations) \\n 07 policy fee plus account value load defined on COI Ruleset \\n 08 pass requested payment amount for external calculation \\n 09 pass initial lump sum for external calculation \\n 10 pass requested payment amount and initial lump sum for external \\ncalculation \\n 11 premium rate by percentage of total premium of an insureds\\u2019 coverages \\n(included in substandard calculations) \\n 13 premium rate by flat amount per volume of coverage (not included in \\nsubstandard premium calculation for substandard type 30) \\n 14 mode policy fee \\n 15 flat amount additional load (added to the fund at time of premium \\npayment and deducted at time of COI deduction) \\n 16 minimum and target premium rate by percentage of total target premium \\nof all insured\\u2019s coverages, excluding waiver \\n 18 used only for return of premium defined as an additional benefit. The \\npremium rate (defined as a dollar amount) x the total of the premium for \\nthe insured\\u2019s basic coverage + all other coverages defined as additional \\nbenefits (excludes any other SBC\\u2019s and charge codes) \\n 50 premium rate by flat amount per volume of coverage (percent \\nsubstandard is a percent of first year COI rate)\"",
"file_name": "System Reference-General Maintenance.pdf",
"page_label": "390"
},
{
"id": "f30abd38-6d95-4bc3-be27-a336391cd640",
"text": "\"System Reference Manual \\n \\n \\n \\n\\u00a9 2023 NTT DATA, Inc. | Proprietary and Confidential | July 5, 2024 1558 \\n \\n \\n4. SUB TYPE \\n Subtype of plan record. Do not enter on this screen. \\n \\n5. EFFECTIVE DATE \\n Date plan data is in effect. Do not enter on this screen. \\n \\nCURRENT PREMIUM RATING ENTRIES \\n6. METHOD \\n This field contains a two position code describing the type of premium entry or the basis \\nof the premium entry. The METHOD is used to access the Premium Rate Factor File \\n(available through 94 screen). Input is required (in all four occurrences), valid values \\ninclude: \\n 00 not used \\n 01 premium rate by flat amount per volume of coverage (included in \\nsubstandard premium calculations) \\n 02 first year additional deposit \\n 03 flat annual premium amount \\n 05 expense charge \\n 06 waiver of target - COI rate by percentage of total target premium of all \\ninsureds coverages (allowed on current and guaranteed COI tables only) \\n(included in substandard calculations) \\n 07 policy fee plus account value load defined on COI Ruleset \\n 08 pass requested payment amount for external calculation \\n 09 pass initial lump sum for external calculation \\n 10 pass requested payment amount and initial lump sum for external \\ncalculation \\n 11 premium rate by percentage of total premium of an insureds\\u2019 coverages \\n(included in substandard calculations) \\n 13 premium rate by flat amount per volume of coverage (not included in \\nsubstandard premium calculation for substandard type 30) \\n 14 mode policy fee \\n 15 flat amount additional load (added to the fund at time of premium \\npayment and deducted at time of COI deduction) \\n 16 minimum and target premium rate by percentage of total target premium \\nof all insured\\u2019s coverages, excluding waiver \\n 18 used only for return of premium defined as an additional benefit. The \\npremium rate (defined as a dollar amount) x the total of the premium for \\nthe insured\\u2019s basic coverage + all other coverages defined as additional \\nbenefits (excludes any other SBC\\u2019s and charge codes) \\n 50 premium rate by flat amount per volume of coverage (percent \\nsubstandard is a percent of first year COI rate)\"",
"file_name": "System Reference-LifeSys System Reference.pdf",
"page_label": "1558"
},
{
"id": "6d3a689f-f68c-483c-b3d4-c090310f456d",
"text": "\"System Reference Manual \\n \\n \\n \\n\\u00a9 2023 NTT DATA, Inc. | Proprietary and Confidential | July 5, 2024 1616 \\n \\n \\n5. EFFECTIVE DATE \\nThis field indicates the date plan data is in effect. This date must be in YYYYMMDD \\nformat. This field cannot be blank. \\n \\nNO LAPSE PREMIUM RATING \\u2013 TIER 1 \\n6. METHOD \\nThis field contains a two position code describing the type of premium entry or the basis \\nof the premium entry. The METHOD is used to access the Premium Rate Factor File \\nwhich is available through Rate Maintenance (94) screen. Input is required (in all four \\noccurrences), valid values include: \\n 00 not used \\n 01 premium rate by flat amount per volume of coverage (included in \\nsubstandard premium calculations) \\n 02 first year additional deposit \\n 03 flat annual premium amount \\n 05 expense charge \\n 06 current and guaranteed COI by percentage of total target premium of all \\ninsureds\\u2019 coverages (included in substandard calculations) \\n 07 policy fee plus account value load defined on COI Ruleset \\n 08 pass requested payment amount for external calculation \\n 09 pass initial lump sum for external calculation \\n 10 pass requested payment amount and initial lump sum for external \\ncalculation \\n 11 premium rate by percentage of total premium of an insureds\\u2019 coverages \\n(included in substandard calculations) \\n 13 premium rate by flat amount per volume of coverage (not included in \\nsubstandard premium calculation for substandard type 30). \\n 15 flat amount additional load (added to the fund at time of premium \\npayment and deducted at time of COI deduction) \\n 20 premium rate by percentage of total COI of contract benefit amount = total \\nunits of contract, for use of SBC\\u2019s only \\n 50 premium rate by flat amount per volume of coverage (percent \\nsubstandard is a percent of first year COI rate) \\n 90 minimum premium \\n 91 maximum premium\"",
"file_name": "System Reference-General Maintenance.pdf",
"page_label": "448"
},
{
"id": "7ca0620c-a9b9-4e6f-b0f7-5006337ca8e5",
"text": "\"System Reference Manual \\n \\n \\n \\n\\u00a9 2023 NTT DATA, Inc. | Proprietary and Confidential | July 5, 2024 1622 \\n \\n \\n5. EFFECTIVE DATE \\nDate plan data is in effect. Must be in YYYYMMDD format. Spaces not allowed. \\n \\nNO LAPSE PREMIUM RATING \\u2013 TIER 3 \\n6. METHOD \\nThis field contains a two position code describing the type of premium entry or the basis \\nof the premium entry. The METHOD is used to access the Premium Rate Factor File \\nwhich is available through Rate Maintenance (94) screen. Input is required (in all four \\noccurrences), valid values include: \\n 00 not used \\n 01 premium rate by flat amount per volume of coverage (included in \\nsubstandard premium calculations) \\n 02 first year additional deposit \\n 03 flat annual premium amount \\n 05 expense charge \\n 06 current and guaranteed COI by percentage of total target premium of all \\ninsureds\\u2019 coverages (included in substandard calculations) \\n 07 policy fee plus account value load defined on COI Ruleset \\n 08 pass requested payment amount for external calculation \\n 09 pass initial lump sum for external calculation \\n 10 pass requested payment amount and initial lump sum for external \\ncalculation \\n 11 premium rate by percentage of total premium of an insureds\\u2019 coverages \\n(included in substandard calculations) \\n 13 premium rate by flat amount per volume of coverage (not included in \\nsubstandard premium calculation for substandard type 30). \\n 15 flat amount additional load (added to the fund at time of premium \\npayment and deducted at time of COI deduction) \\n 20 premium rate by percentage of total COI of contract benefit amount = total \\nunits of contract, for use of SBC\\u2019s only \\n 50 premium rate by flat amount per volume of coverage (percent \\nsubstandard is a percent of first year COI rate) \\n 90 minimum premium \\n 91 maximum premium\"",
"file_name": "System Reference-LifeSys System Reference.pdf",
"page_label": "1622"
},
{
"id": "97eee4ef-0d38-47fb-9f51-c663989442a9",
"text": "\"System Reference Manual \\n \\n \\n \\n\\u00a9 2023 NTT DATA, Inc. | Proprietary and Confidential | July 5, 2024 1622 \\n \\n \\n5. EFFECTIVE DATE \\nDate plan data is in effect. Must be in YYYYMMDD format. Spaces not allowed. \\n \\nNO LAPSE PREMIUM RATING \\u2013 TIER 3 \\n6. METHOD \\nThis field contains a two position code describing the type of premium entry or the basis \\nof the premium entry. The METHOD is used to access the Premium Rate Factor File \\nwhich is available through Rate Maintenance (94) screen. Input is required (in all four \\noccurrences), valid values include: \\n 00 not used \\n 01 premium rate by flat amount per volume of coverage (included in \\nsubstandard premium calculations) \\n 02 first year additional deposit \\n 03 flat annual premium amount \\n 05 expense charge \\n 06 current and guaranteed COI by percentage of total target premium of all \\ninsureds\\u2019 coverages (included in substandard calculations) \\n 07 policy fee plus account value load defined on COI Ruleset \\n 08 pass requested payment amount for external calculation \\n 09 pass initial lump sum for external calculation \\n 10 pass requested payment amount and initial lump sum for external \\ncalculation \\n 11 premium rate by percentage of total premium of an insureds\\u2019 coverages \\n(included in substandard calculations) \\n 13 premium rate by flat amount per volume of coverage (not included in \\nsubstandard premium calculation for substandard type 30). \\n 15 flat amount additional load (added to the fund at time of premium \\npayment and deducted at time of COI deduction) \\n 20 premium rate by percentage of total COI of contract benefit amount = total \\nunits of contract, for use of SBC\\u2019s only \\n 50 premium rate by flat amount per volume of coverage (percent \\nsubstandard is a percent of first year COI rate) \\n 90 minimum premium \\n 91 maximum premium\"",
"file_name": "System Reference-General Maintenance.pdf",
"page_label": "454"
},
{
"id": "4c8cabd5-bfff-4cf1-99c8-712464e4c799",
"text": "\"System Reference Manual \\n \\n \\n \\n\\u00a9 2023 NTT DATA, Inc. | Proprietary and Confidential | July 5, 2024 1624 \\n \\n \\n \\n15. STACKBY \\n See STACKBY codes for Plan File Maintenance (95) screen, 100-199/300 record, 3rd \\npage. \\n \\nNO LAPSE PREMIUM RATING \\u2013 TIER 4 \\n16. METHOD \\nThis field contains a two-position code describing the type of premium entry or the basis \\nof the premium entry. The METHOD is used to access the Premium Rate Factor File \\nwhich is available through Rate Maintenance (94) screen. Input is required (in all four \\noccurrences), valid values include: \\n 00 not used \\n 01 premium rate by flat amount per volume of coverage (included in \\nsubstandard premium calculations) \\n 02 first year additional deposit \\n 03 flat annual premium amount \\n 05 expense charge \\n 06 current and guaranteed COI by percentage of total target premium of all \\ninsureds\\u2019 coverages (included in substandard calculations) \\n 07 policy fee plus account value load defined on COI Ruleset \\n 08 pass requested payment amount for external calculation \\n 09 pass initial lump sum for external calculation \\n 10 pass requested payment amount and initial lump sum for external \\ncalculation \\n 11 premium rate by percentage of total premium of an insureds\\u2019 coverages \\n(included in substandard calculations) \\n 13 premium rate by flat amount per volume of coverage (not included in \\nsubstandard premium calculation for substandard type 30). \\n 15 flat amount additional load (added to the fund at time of premium \\npayment and deducted at time of COI deduction) \\n 20 premium rate by percentage of total COI of contract benefit amount = total \\nunits of contract, for use of SBC\\u2019s only \\n 50 premium rate by flat amount per volume of coverage (percent \\nsubstandard is a percent of first year COI rate) \\n 90 minimum premium \\n 91 maximum premium\"",
"file_name": "System Reference-General Maintenance.pdf",
"page_label": "456"
},
{
"id": "8513ca38-9f93-49da-be9c-d5ccf53565cb",
"text": "\"System Reference Manual \\n \\n \\n \\n\\u00a9 2023 NTT DATA, Inc. | Proprietary and Confidential | July 5, 2024 1618 \\n \\n \\n14. EFFDATE \\n See EFFDATE codes for Plan File Maintenance (95) screen, 100-199/300 record, 3rd \\npage. \\n \\n15. STACKBY \\n See STACKBY codes for Plan File Maintenance (95) screen, 100-199/300 record, 3rd \\npage. \\n \\nNO LAPSE PREMIUM RATING \\u2013 TIER 2 \\n16. METHOD \\nThis field contains a two position code describing the type of premium entry or the basis \\nof the premium entry. The METHOD is used to access the Premium Rate Factor File \\nwhich is available through Rate Maintenance (94) screen. Input is required (in all four \\noccurrences), valid values include: \\n 00 not used \\n 01 premium rate by flat amount per volume of coverage (included in \\nsubstandard premium calculations) \\n 02 first year additional deposit \\n 03 flat annual premium amount \\n 05 expense charge \\n 06 current and guaranteed COI by percentage of total target premium of all \\ninsureds\\u2019 coverages (included in substandard calculations) \\n 07 policy fee plus account value load defined on COI Ruleset \\n 08 pass requested payment amount for external calculation \\n 09 pass initial lump sum for external calculation \\n 10 pass requested payment amount and initial lump sum for external \\ncalculation \\n 11 premium rate by percentage of total premium of an insureds\\u2019 coverages \\n(included in substandard calculations) \\n 13 premium rate by flat amount per volume of coverage (not included in \\nsubstandard premium calculation for substandard type \\u201c30\\u201d). \\n 15 flat amount additional load (added to the fund at time of premium \\npayment and deducted at time of COI deduction) \\n 20 premium rate by percentage of total COI of contract benefit amount = total \\nunits of contract, for use of SBC\\u2019s only \\n 50 premium rate by flat amount per volume of coverage (percent \\nsubstandard is a percent of first year COI rate) \\n 90 minimum premium \\n 91 maximum premium\"",
"file_name": "System Reference-General Maintenance.pdf",
"page_label": "450"
},
{
"id": "043fb444-14b7-4705-aea7-133b8001ecbf",
"text": "\"System Reference Manual \\n \\n \\n \\n\\u00a9 2023 NTT DATA, Inc. | Proprietary and Confidential | July 5, 2024 1618 \\n \\n \\n14. EFFDATE \\n See EFFDATE codes for Plan File Maintenance (95) screen, 100-199/300 record, 3rd \\npage. \\n \\n15. STACKBY \\n See STACKBY codes for Plan File Maintenance (95) screen, 100-199/300 record, 3rd \\npage. \\n \\nNO LAPSE PREMIUM RATING \\u2013 TIER 2 \\n16. METHOD \\nThis field contains a two position code describing the type of premium entry or the basis \\nof the premium entry. The METHOD is used to access the Premium Rate Factor File \\nwhich is available through Rate Maintenance (94) screen. Input is required (in all four \\noccurrences), valid values include: \\n 00 not used \\n 01 premium rate by flat amount per volume of coverage (included in \\nsubstandard premium calculations) \\n 02 first year additional deposit \\n 03 flat annual premium amount \\n 05 expense charge \\n 06 current and guaranteed COI by percentage of total target premium of all \\ninsureds\\u2019 coverages (included in substandard calculations) \\n 07 policy fee plus account value load defined on COI Ruleset \\n 08 pass requested payment amount for external calculation \\n 09 pass initial lump sum for external calculation \\n 10 pass requested payment amount and initial lump sum for external \\ncalculation \\n 11 premium rate by percentage of total premium of an insureds\\u2019 coverages \\n(included in substandard calculations) \\n 13 premium rate by flat amount per volume of coverage (not included in \\nsubstandard premium calculation for substandard type \\u201c30\\u201d). \\n 15 flat amount additional load (added to the fund at time of premium \\npayment and deducted at time of COI deduction) \\n 20 premium rate by percentage of total COI of contract benefit amount = total \\nunits of contract, for use of SBC\\u2019s only \\n 50 premium rate by flat amount per volume of coverage (percent \\nsubstandard is a percent of first year COI rate) \\n 90 minimum premium \\n 91 maximum premium\"",
"file_name": "System Reference-LifeSys System Reference.pdf",
"page_label": "1618"
},
{
"id": "b44f2904-01ab-44fc-a286-0b2ece86be7b",
"text": "\"System Reference Manual \\n \\n \\n \\n\\u00a9 2023 NTT DATA, Inc. | Proprietary and Confidential | July 5, 2024 1482 \\n \\n \\nField Descriptions \\n1. METHOD \\n Two position code describing type of premium entry or the basis of the premium rate(s). \\nRate File Records are accessed based upon the METHOD established on the Plan File. \\nValid methods include: \\n 01 premium rate per volume of coverage (included in substandard calculations) \\n 02 first year additional deposit \\n 03 flat annual premium amount \\n 05 expense charge \\n 06 cost of insurance rate or guaranteed premium rate by percent of total target \\npremium of all insured\\u2019s coverages (enter 25% as 0.25) (included in substandard \\ncalculations) \\n 07 policy fee plus account value load defined on COI Ruleset \\n 08 external calculation - rate records are not established \\n 09 external calculation - rate records are not established \\n 10 external calculation - rate records are not established \\n 11 premium rate by percentage of total premium of an insured\\u2019s coverages (enter \\n25% as 25.00) (included in substandard calculations) \\n 13 premium rate per volume of coverage (not included in substandard calculations) \\n 14 mode policy fee \\n 15 flat amount additional load (added to the fund at time of premium payment and \\ndeducted at time of COI deduction) \\n 16 premium rate by percentage of total target premium of an insured\\u2019s coverages \\n 17 premium rate by percentage of face amount plus target premium (only for \\nsurrender premium rating and also assumes target premium is to be calculated) \\n 18 used only for return of premium defined as an additional benefit. The premium \\nrate (defined as a dollar amount) x the total of the premium for the insured\\u2019s \\nbasic coverage + all other coverages defined as additional benefits (excludes any \\nother SBC\\u2019s and charge codes) \\n 19 premium rate by percentage of total units of contract (include) base + riders for \\nuse of SBC only \\n 20 premium rate by percentage of total COI of contract benefit amount = total units \\nof contract, for use of SBC\\u2019s only \\n 50 premium rate by flat amount per volume of coverage (percent substandard is a \\npercent of first year COI rate) \\n 90 minimum premium \\n 91 maximum premium\"",
"file_name": "System Reference-LifeSys System Reference.pdf",
"page_label": "1482"
},
{
"id": "33b14682-120c-4639-aae6-72b8fa0c6c4a",
"text": "\"i) Replace LM-PLAN-PLANOPTX, positions 1-4 with values from Column F (exo_plan_code)\\n ii) ELSE If LM-PLAN-PLANOPTX is populated, send value\\n E) ELSE send the combined value of LM-PLAN1-6 and LM-FORMOPTX\\n Policy View Coverage Detail Coverage Legacy Plan Code Mapped\\n49 AnnualizedPremiumAmt 326 338 13 PIC 9(10).99 Current Regular Premium: the entire premium paid in the policy year (with fees and modal factor adjustments) Current Regular Premium: the entire premium paid in the policy year (with fees and modal factor adjustments) \\n\\nFor Life coverage records, Accidental Death Benefits or Waiver of Monthly Deductible supplemental benefits that are not expired: Send value of ((policy modal \\u2013 premium) * mode)\\n Note: Life coverage records include Base policies, PITR, AIR and CLTR riders\\nFor supplemental benefits, Accidental Death Benefits or Waiver of Monthly Deductible that are not expired: Send value of (premium * mode)\\n\\nFor ETI and RPU - Send 0\\nFor Paid up and Single Pay - send most recent premium amount. 21/2: MODAL (LSN314)\\n21/2: MODE (LSN314)\\n21/2: TYPE (LSN314)\\n21/2: PREMIUM (LSN314)\\n21/2: BEGIN (LSN314)\\n21/2: EXPIRY (LSN314)\\n21/2: STATUS (LSN314)\\n Calculated\\n\\nUse Subroutine LSNAD373 For Life coverage records: \\n\\nUse Subroutine LSNAD373 for the calculation of mode and premium\\n\\nIF LM-STATUS = P AND\\n IF POLICYSTATUSCD (FIELD 38) = 44 OR 45 - SEND 0\\n ELSE\\n\\nSend the value of (21/2: MODAL - 21/2: PREMIUM for 21/2: TYPE = 020 or 010, if not expired) * MODE\\n\\n**Life coverage records include Base policies, PITR, AIR, and CLTR riders\\n\\nFor SBC's 21/2: TYPE = 020 or 010, send the value of 21/2: PREMIUM * MODE, if not expired Policy Billing and Premium Annualized Premium Mapped\\n50 ShadowAcctValueAmt 340 352 13 PIC 9(10).99 Notional Account Fund Value Send zeros\\n Hardcoded Hardcoded Send zeros 0 Mapped\\n51 DBOption 354 354 1 PIC X(1) Death Benefit Option Send space\\n Hardcoded Hardcoded\\n Send space Space Mapped\\n52 TermConversionInd 356 356 1 PIC X(1) Term Conversion Indicator (Value: Y/N) Indicates that a policy is a Term Conversion.\\nExpected values are Y or N.\\n\\nTerm conversion policies begin with TC in LifeSys.\\nIf no replacement policy number is found, send N\\n 21/3: REPL TYPE\\n21/3: REPL POL\\n21/3: RPOL2\\n21/3: RPOL3\\n LM-RP-REPL-IND\\nLM-RP-REPL-POLICY\\nLM-RP-REPL-POL2\\nLM-RP-REPL-POL3 If the first two characters of policy start with 'TC', then find it's Replacement Policy from 21/3 screen - It can be found either be in REPL POL or RPOL2 or RPOL3. \\nLook for the LM-RP-REPL-IND (RP-segment of the Replacement Policy). If it is 'N' or Spaces then mark 'N'. For any other value mark 'Y'.\\nIf Replacement Policy is not found in 21/3 screen, mark 'N'.\\n \\n53 TermConversionNumOfYears 358 360 3 PIC 9(3) Term Conversion Term Length Total Term length conversion\\n\\nTerm conversion policies begin with TC in LifeSys.\""
},
{
"id": "b72c07bd-b250-41fa-8e1e-78587b66e927",
"text": "\"System Reference Manual \\n \\n \\n \\n\\u00a9 2023 NTT DATA, Inc. | Proprietary and Confidential | July 5, 2024 136 \\n \\n \\n17. PREM END AGE \\nThree-digit numeric. System will calculate when blank. Calculation uses the insured\\u2019s \\nissue age. If PERSON CONTROL on the Plan File Maintenance (95) screen 100/300 \\nrecord for the plan is greater than \\u201c1\\u201d, the calculation uses contract issue age. \\n \\n18. COV START \\nCoverage start date, MMDDYYYY. When blank, system will calculate it. When \\nPROCESSING OPTION 017 on the Company Options (92/1) screen is set to \\u201c1\\u201d, the \\ncoverage start date for all coverages must equal issue date. \\n \\n19. COV END \\nCoverage end date, MMDDYYYY, calculated by the system. \\n \\nNOTE: When coverage begin month/day is 0229, coverage end month/day will be 0228 when \\ncalculated end year is not a leap year. \\n \\nNOTE: For METHOD \\u201c003\\u201d or METHOD \\u201c7\\u201d, if PERSON CONTROL is > 1 (contract issue age is \\nused and must be calculated). \\n \\n20. COV END AGE \\nThree-digit coverage end age, calculated by the system. \\n \\nNOTE: For METHOD \\u201c003\\u201d or METHOD \\u201c7\\u201d, if PERSON CONTROL is > 1 (contract issue age is \\nused and must be calculated). \\n \\n21. DIVIDEND OPTION \\n blank no option \\n 1 cash \\n 2 reduce premiums \\n 3 purchase paid-up adds \\n 4 accumulate at interest \\n 5 purchase one year term \\n 6 apply to deposit fund \\n 7 apply to loan \\n 8 reduce premiums, include paid up riders\"",
"file_name": "System Reference-LifeSys System Reference.pdf",
"page_label": "136"
},
{
"id": "27099745-2910-4967-b812-93c844d916d0",
"text": "\"System Reference Manual \\n \\n \\n \\n\\u00a9 2022 NTT DATA, Inc. | Proprietary and Confidential | April 20 2020 136 \\n \\n \\n17. PREM END AGE \\nThree-digit numeric. System will calculate when blank. Calculation uses the insured\\u2019s \\nissue age. If PERSON CONTROL on the Plan File Maintenance (95) screen 100/300 \\nrecord for the plan is greater than \\u201c1\\u201d, the calculation uses contract issue age. \\n \\n18. COV START \\nCoverage start date, MMDDYYYY. When blank, system will calculate it. When \\nPROCESSING OPTION 017 on the Company Options (92/1) screen is set to \\u201c1\\u201d, the \\ncoverage start date for all coverages must equal issue date. \\n \\n19. COV END \\nCoverage end date, MMDDYYYY, calculated by the system. \\n \\nNOTE: When coverage begin month/day is 0229, coverage end month/day will be 0228 when \\ncalculated end year is not a leap year. \\n \\nNOTE: For METHOD \\u201c003\\u201d or METHOD \\u201c7\\u201d, if PERSON CONTROL is > 1 (contract issue age is \\nused and must be calculated). \\n \\n20. COV END AGE \\nThree-digit coverage end age, calculated by the system. \\n \\nNOTE: For METHOD \\u201c003\\u201d or METHOD \\u201c7\\u201d, if PERSON CONTROL is > 1 (contract issue age is \\nused and must be calculated). \\n \\n21. DIVIDEND OPTION \\n blank no option \\n 1 cash \\n 2 reduce premiums \\n 3 purchase paid-up adds \\n 4 accumulate at interest \\n 5 purchase one year term \\n 6 apply to deposit fund \\n 7 apply to loan \\n 8 reduce premiums, include paid up riders\"",
"file_name": "System Reference-New Business.pdf",
"page_label": "85"
},
{
"id": "e014b959-6f88-4edf-bc2b-b4639d7239de",
"text": "\"Same values as minimum face amount/units method one.\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u000789 - maximum face amount/units method two code. Same values as minimum face amount/units method one.\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u000790 - maximum face amount/units method three code. Same values as minimum face amount/units method one.\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u000791 - multiple minimum method selection code. Valid values are:\\r\\\"001\\\" - use method yielding lowest minimum\\r\\\"002\\\" - use method yielding greatest minimum\\r\\\"003\\\" - lowest/greatest does not apply\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u000792 - multiple maximum method selection code. Valid values are:\\r\\\"001\\\" - use method yielding lowest maximum\\r\\\"002\\\" - use method yielding greatest maximum.\\r\\\"003\\\" - lowest/greatest does not apply\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u000793 - face amount combined with primary ins code, indicating if term riders may qualify to have the face amount combined with the face amount of the basic benefit if the rider is attached to the primary insured. Valid values are:\\r001 - does not qualify\\r002 - face amount may be considered for combination with face amount on primary insured\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u000794 - minimum premium code. Valid values are:\\r\\\"001\\\" - not required\\r\\\"002\\\" - calculate annual minimum premium\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u000795 - target premium code. Valid values are:\\r\\\"001\\\" - not required\\r\\\"002\\\" - calculate annual target premium\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u000796 - cost of insurance deduction mode calculated by system code. Valid values are:\\r\\\"001\\\" - not required\\r\\\"002\\\" - monthly coi deduction against fund\\r\\\"003\\\" - quarterly coi deduction against fund\\r\\\"004\\\" - semi-annual coi deduction against fund\\r\\\"005\\\" - annual coi deduction against fund\\rNOTE: If field \\\"AR-NAR-MTHD\\\" on the Plan File Maintenance (95) screen, 400 record = \\\"06\\\", this field must = \\\"005\\\".\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u000797 - apply excess monies at approval code. Valid values are:\\r\\\"001\\\" - not required (standard processing - refund money)\\r\\\"002\\\" - apply excess to lump sum of primary insured\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u000798 - cost and disclosure benefit description code, indicating what description for the selected option will print on the cost and disclosure facing sheet. Valid values are:\\r\\\"001\\\" - not required\\r\\\"002\\\" - LP802 ART\\r\\\"003\\\" - LP803 10 year level term\\r\\\"004\\\" - LP804 decreasing term to 65\\r\\\"005\\\" - LP804 10 year decreasing term\\r\\\"006\\\" - LP804 15 year decreasing term\\r\\\"007\\\" - LP804 15 year mortgage\\r008\\\" - LP804 30 year mortgage\\r\\\"009\\\" - LP805 decreasing convertible term with child benefit\\r\\\"010\\\" - LP700 spouse rider\\r\\\"011\\\" - LP406 child's level term insurance benefit\\r\\\"012\\\" - LP107 whole life insurance\\r\\\"013\\\" - LP107's retirement premium deposit provision\\r\\\"014\\\" - LP405 10 year supplementary family income\\r\\\"015\\\" - LP405 15 year supplementary family income\\r\\\"016\\\" - LP405 20 year supplementary family income\\r\\\"017\\\" - LP701 child rider\\r\\\"018\\\" - LP703 covered insured rider\\r\\\"019\\\" - LP701 1 child rider\\r\\\"020\\\" - LP112 whole life insurance, increasing premium, non-participating\\r\\\"021\\\" - LP117 limited pay whole life\\r\\\"022\\\" - LP101 whole life insurance, non-participating\\r\\\"023\\\" - PL-1204 whole life non-par\\r\\\"024\\\" - RL-8163 child level term rider\\r\\\"025\\\" - RL-8164 annual decreasing term to 60 rider\\r\\\"026\\\" - RL-8165 spouse annual decreasing term to 65 rider\\r\\\"027\\\" - RL-8166 family coverage term rider\\r\\\"028\\\" - RL-8167 child term rider\\r\\\"029\\\" - PL-1204 life paid-up at 85\\r\\\"030\\\" - PL-1205 not defined\\r\\\"031\\\" - PL-1206 not defined\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u000799 - special monthly premium calculation on policy pages code.\""
},
{
"id": "f83f4ec7-908e-4d44-a4b4-569f1eb85d35",
"text": "\"System Reference Manual \\n \\n \\n \\n\\u00a9 2023 NTT DATA, Inc. | Proprietary and Confidential | July 5, 2024 135 \\n \\n \\nIn determining if coverage is to be included in policy print and if coverage data is to \\nbridge to the policy master, the U/W Decision (03), Insured Maintenance (14) and \\nCoverage Maintenance (12) screens are systematically and independently reviewed, \\nalong with other coverage status edits. Coverage inclusion/exclusion policy print and \\ndata bridge priority is set as follows: \\n1. Decision code entered on the U/W Decision (03) screen \\n2. Mode Factor Description Maintenance (92/2) screen's BRIDGE STATUS \\nfield entry \\n3. Insured Maintenance (14) screen INCL/EXCL field entry \\n4. Coverage Maintenance (12) screen COV EXCLUSION field entry \\n5. Post Issue Requirements \\n \\n13. MODE COV PREM \\nModal coverage premium as calculated by the system, seven integers and two decimals: \\n\\u20189999999.99\\u2019. \\n \\n14. PREM START \\nPremium start date, MMDDYYYY. When left blank, the system will calculate it. When \\nPROCESSING OPTION 017 on the Company Options (92/1) screen is set to \\u201c1\\u201d, the \\npremium start date must equal issue date. When PROCESSING OPTION 017 is set to \\n\\u201c2\\u201d (dates not required to be equal) and the premium start date is greater than the issue \\ndate, a bill restrict code of \\u201c02\\u201d with a bill restrict date of the premium start date will be \\ncreated for this policy. \\n \\n15. PREM TYPE or COI TYPE \\nSee METHOD in the Plan File Processing Options Record: \\u201c100\\u201d-\\u201c199\\u201d TYPE \\u201c300\\u201d \\nSUBTYPE Screen 3 of the Plan Description File for valid COI or premium types. The \\ndisplay on this screen is determined by the code in the CURRENT PREMIUM CALC \\nfield of the 100/300-3 screen. When \\u201c1\\u201d, PREM TYPE is displayed. When \\u201c2\\u201d, COI TYPE \\nis displayed. \\n \\n16. PREM END \\nPremium end date, MMDDYYYY, calculated by the system. \\n \\nNOTE: When premium start month/day is 0229, premium end month/day will be 0228 when \\ncalculated end year is not a leap year. \\n \\nNOTE: For METHOD \\u201c003\\u201d or METHOD \\u201c7\\u201d, if PERSON CONTROL is > 1 (contract issue age is \\nused and must be calculated).\"",
"file_name": "System Reference-LifeSys System Reference.pdf",
"page_label": "135"
},
{
"id": "02751932-983c-4578-8e8d-5c89593c942c",
"text": "\"System Reference Manual \\n \\n \\n \\n\\u00a9 2022 NTT DATA, Inc. | Proprietary and Confidential | April 20 2020 135 \\n \\n \\nIn determining if coverage is to be included in policy print and if coverage data is to \\nbridge to the policy master, the U/W Decision (03), Insured Maintenance (14) and \\nCoverage Maintenance (12) screens are systematically and independently reviewed, \\nalong with other coverage status edits. Coverage inclusion/exclusion policy print and \\ndata bridge priority is set as follows: \\n1. Decision code entered on the U/W Decision (03) screen \\n2. Mode Factor Description Maintenance (92/2) screen's BRIDGE STATUS \\nfield entry \\n3. Insured Maintenance (14) screen INCL/EXCL field entry \\n4. Coverage Maintenance (12) screen COV EXCLUSION field entry \\n5. Post Issue Requirements \\n \\n13. MODE COV PREM \\nModal coverage premium as calculated by the system, seven integers and two decimals: \\n\\u20189999999.99\\u2019. \\n \\n14. PREM START \\nPremium start date, MMDDYYYY. When left blank, the system will calculate it. When \\nPROCESSING OPTION 017 on the Company Options (92/1) screen is set to \\u201c1\\u201d, the \\npremium start date must equal issue date. When PROCESSING OPTION 017 is set to \\n\\u201c2\\u201d (dates not required to be equal) and the premium start date is greater than the issue \\ndate, a bill restrict code of \\u201c02\\u201d with a bill restrict date of the premium start date will be \\ncreated for this policy. \\n \\n15. PREM TYPE or COI TYPE \\nSee METHOD in the Plan File Processing Options Record: \\u201c100\\u201d-\\u201c199\\u201d TYPE \\u201c300\\u201d \\nSUBTYPE Screen 3 of the Plan Description File for valid COI or premium types. The \\ndisplay on this screen is determined by the code in the CURRENT PREMIUM CALC \\nfield of the 100/300-3 screen. When \\u201c1\\u201d, PREM TYPE is displayed. When \\u201c2\\u201d, COI TYPE \\nis displayed. \\n \\n16. PREM END \\nPremium end date, MMDDYYYY, calculated by the system. \\n \\nNOTE: When premium start month/day is 0229, premium end month/day will be 0228 when \\ncalculated end year is not a leap year. \\n \\nNOTE: For METHOD \\u201c003\\u201d or METHOD \\u201c7\\u201d, if PERSON CONTROL is > 1 (contract issue age is \\nused and must be calculated).\"",
"file_name": "System Reference-New Business.pdf",
"page_label": "84"
},
{
"id": "b44f2904-01ab-44fc-a286-0b2ece86be7b",
"text": "\"System Reference Manual \\n \\n \\n \\n\\u00a9 2023 NTT DATA, Inc. | Proprietary and Confidential | July 5, 2024 1482 \\n \\n \\nField Descriptions \\n1. METHOD \\n Two position code describing type of premium entry or the basis of the premium rate(s). \\nRate File Records are accessed based upon the METHOD established on the Plan File. \\nValid methods include: \\n 01 premium rate per volume of coverage (included in substandard calculations) \\n 02 first year additional deposit \\n 03 flat annual premium amount \\n 05 expense charge \\n 06 cost of insurance rate or guaranteed premium rate by percent of total target \\npremium of all insured\\u2019s coverages (enter 25% as 0.25) (included in substandard \\ncalculations) \\n 07 policy fee plus account value load defined on COI Ruleset \\n 08 external calculation - rate records are not established \\n 09 external calculation - rate records are not established \\n 10 external calculation - rate records are not established \\n 11 premium rate by percentage of total premium of an insured\\u2019s coverages (enter \\n25% as 25.00) (included in substandard calculations) \\n 13 premium rate per volume of coverage (not included in substandard calculations) \\n 14 mode policy fee \\n 15 flat amount additional load (added to the fund at time of premium payment and \\ndeducted at time of COI deduction) \\n 16 premium rate by percentage of total target premium of an insured\\u2019s coverages \\n 17 premium rate by percentage of face amount plus target premium (only for \\nsurrender premium rating and also assumes target premium is to be calculated) \\n 18 used only for return of premium defined as an additional benefit. The premium \\nrate (defined as a dollar amount) x the total of the premium for the insured\\u2019s \\nbasic coverage + all other coverages defined as additional benefits (excludes any \\nother SBC\\u2019s and charge codes) \\n 19 premium rate by percentage of total units of contract (include) base + riders for \\nuse of SBC only \\n 20 premium rate by percentage of total COI of contract benefit amount = total units \\nof contract, for use of SBC\\u2019s only \\n 50 premium rate by flat amount per volume of coverage (percent substandard is a \\npercent of first year COI rate) \\n 90 minimum premium \\n 91 maximum premium\"",
"file_name": "System Reference-LifeSys System Reference.pdf",
"page_label": "1482"
},
{
"id": "ff1c656d-ed11-49ab-be88-9421f6f5ae26",
"text": "\"System Reference Manual \\n \\n \\n \\n\\u00a9 2023 NTT DATA, Inc. | Proprietary and Confidential | July 5, 2024 1597 \\n \\n \\n \\n4. SUB TYPE \\n Three-digit subtype of Plan Record. Must be \\u201c302\\u201d. \\n \\n5. EFFECTIVE DATE \\n Date Plan Data is in effect. Must be in YYYYMMDD format. This field cannot be blank. \\n \\nGUARANTEED PREMIUM RATING (4 occurrences) \\n6. METHOD \\n Two position code describing the type of premium entry or the basis of the premium \\nentry. The METHOD is used to access the Premium Rate Factor File (available through \\nScreen 94). Input is required (in all four occurrences), valid values include: \\n 00 not used \\n 01 premium rate by flat amount per volume of coverage (included in \\nsubstandard premium calculations) \\n 02 first year additional deposit \\n 03 flat annual premium amount \\n 05 expense charge \\n 07 policy fee plus account value load defined on COI Ruleset \\n 08 pass requested payment amount for external calculation \\n 09 pass initial lump sum for external calculation \\n 10 pass requested payment amount and initial lump sum for external \\ncalculation \\n 11 premium rate by percentage of total premium of an insured\\u2019s coverages \\n(included in substandard premium calculations) \\n 13 premium rate by flat amount per volume of coverage (not included in \\nsubstandard premium calculation for substandard type 30) \\n 14 mode policy fee \\n 15 flat amount additional load (added to the fund at time of premium \\npayment and deducted at time of COI deduction) \\n 50 premium rate by flat amount per volume of coverage (percent \\nsubstandard is a percent of first year COI rate) \\n 51 premium rate by flat amount per volume of coverage (included in \\nsubstandard premium calculations). The substandard premium is \\nadjusted by the adjustment factor (SS) subject to maximum premium \\nincrease (MPI) for substandard type 30. Permanent flat extra is included \\nin the substandard premium calculation. Temporary flat extra is excluded. \\n 90 minimum premium \\n 91 maximum premium\"",
"file_name": "System Reference-LifeSys System Reference.pdf",
"page_label": "1597"
},
{
"id": "30245a23-eba9-4e7a-8d55-cfb7e8cdd073",
"text": "\"System Reference Manual \\n \\n \\n \\n\\u00a9 2023 NTT DATA, Inc. | Proprietary and Confidential | July 5, 2024 1604 \\n \\n \\n4. SUB TYPE \\n Three-digit SUB TYPE of Plan Record. Must be \\u201c302\\u201d. \\n \\n5. EFFECTIVE DATE \\n Date Plan Data is in effect. Must be in YYYYMMDD format. This field cannot be blank \\nnot allowed. \\n \\nGUARANTEED COI RATING (4 occurrences) \\n6. METHOD \\n Two position code describing the type of premium entry or the basis of the premium \\nentry. The METHOD is used to access the Premium Rate Factor File (available through \\nScreen 94). Input is required (in all four occurrences), valid values include: \\n 00 not used \\n 01 premium rate by flat amount per volume of coverage (included in \\nsubstandard premium calculations) \\n 02 first year additional deposit \\n 03 flat annual premium amount \\n 05 expense charge \\n 06 current and guaranteed COI by percentage of total target premium of all \\ninsureds\\u2019 coverages (included in substandard calculations) \\n 07 policy fee plus account value load defined on COI Ruleset \\n 08 pass requested payment amount for external calculation \\n 09 pass initial lump sum for external calculation \\n 10 pass requested payment amount and initial lump sum for external \\ncalculation \\n 11 premium rate by percentage of total premium of an insured\\u2019s coverages \\n(included in substandard calculations) \\n 13 premium rate by flat amount per volume of coverage (not included in \\nsubstandard premium calculation for substandard type 30) \\n 15 flat amount additional load (added to the fund at time of premium \\npayment and deducted at time of COI deduction) \\n20 premium rate by percentage of total COI of contract benefit amount = total \\nunits of contract, for use of SBCs only. SBC 20s benefit is total COI units \\non contract. \\n21 premium rate by percentage of total COI of contract benefit amount = total \\nunits of contract, for use of SBCs only. SBC 20s benefit is total COI on \\ncontract. \\n 50 premium rate by flat amount per volume of coverage (percent \\nsubstandard is a percent of first year COI rate) \\n 90 minimum premium\"",
"file_name": "System Reference-LifeSys System Reference.pdf",
"page_label": "1604"
},
{
"id": "6f8c073a-3320-4a69-aa1c-c3ad3902d0b7",
"text": "\"System Reference Manual \\n \\n \\n \\n\\u00a9 2023 NTT DATA, Inc. | Proprietary and Confidential | July 5, 2024 1604 \\n \\n \\n4. SUB TYPE \\n Three-digit SUB TYPE of Plan Record. Must be \\u201c302\\u201d. \\n \\n5. EFFECTIVE DATE \\n Date Plan Data is in effect. Must be in YYYYMMDD format. This field cannot be blank \\nnot allowed. \\n \\nGUARANTEED COI RATING (4 occurrences) \\n6. METHOD \\n Two position code describing the type of premium entry or the basis of the premium \\nentry. The METHOD is used to access the Premium Rate Factor File (available through \\nScreen 94). Input is required (in all four occurrences), valid values include: \\n 00 not used \\n 01 premium rate by flat amount per volume of coverage (included in \\nsubstandard premium calculations) \\n 02 first year additional deposit \\n 03 flat annual premium amount \\n 05 expense charge \\n 06 current and guaranteed COI by percentage of total target premium of all \\ninsureds\\u2019 coverages (included in substandard calculations) \\n 07 policy fee plus account value load defined on COI Ruleset \\n 08 pass requested payment amount for external calculation \\n 09 pass initial lump sum for external calculation \\n 10 pass requested payment amount and initial lump sum for external \\ncalculation \\n 11 premium rate by percentage of total premium of an insured\\u2019s coverages \\n(included in substandard calculations) \\n 13 premium rate by flat amount per volume of coverage (not included in \\nsubstandard premium calculation for substandard type 30) \\n 15 flat amount additional load (added to the fund at time of premium \\npayment and deducted at time of COI deduction) \\n20 premium rate by percentage of total COI of contract benefit amount = total \\nunits of contract, for use of SBCs only. SBC 20s benefit is total COI units \\non contract. \\n21 premium rate by percentage of total COI of contract benefit amount = total \\nunits of contract, for use of SBCs only. SBC 20s benefit is total COI on \\ncontract. \\n 50 premium rate by flat amount per volume of coverage (percent \\nsubstandard is a percent of first year COI rate) \\n 90 minimum premium\"",
"file_name": "System Reference-General Maintenance.pdf",
"page_label": "436"
},
{
"id": "2665d88a-a7f9-4d1f-bb76-5bcdd5e224e9",
"text": "\"LifeSys General Information \\n \\n \\n \\n\\u00a9 2022 NTT DATA, Inc. | Proprietary and Confidential | April 20, 2020 44 \\n \\n \\nFace Amount / UNIT FACE AMOUNT PER UNIT (95/100) \\nx MCIA (MCIA is Mortality Factor from 19 Screen) \\nx (1-(Cash Value factor x (1 + GIR))/1000) \\nMortality Credit \\n \\nExpense Credit on base coverage is calculated as follows: \\nFace Amount / UNIT FACE AMOUNT PER UNIT (95/100) \\nx ECIA (ECIA is Expense Factor from 19 Screen) \\nExpense Credit \\n \\nCalculation of the Expense Credit for the premium paying CP Rider (If no CP Rider was purchased by premium \\nduring the year, this is bypassed). \\nFace Amount / UNIT FACE AMOUNT PER UNIT (95/100) \\nx ECIA (ECIA is Expense Factor from 19 Screen for CP Rider) \\nExpense Credit \\n \\nPaidup Units Purchased by Base is calculated as follows: \\nThe Excess Interest Credit is added to the Mortality and Expense Credits. This sum is then \\ndivided by the End of Year Unloaded Net Single Premium factor to find the number of units \\npurchased. \\n \\nTerm Purchase Option (TPO) allows a client to use Excess credits to purchase one-year term insurance up to \\ntarget death benefit, and is paid for using Excess Credits earned at the end of year, with any remaining \\nbalance purchasing PUAs. Calculation of TPO is as follows: \\n \\nTPO Target Face - (CPR and PUAs) = TPO Benefit to be purchased \\nIf TPO Benefit to be purchased is a negative value, then Excess credits are used to \\npurchase PUAs and the TPO death benefit is floored at $0 (see Paidup Units Purchased \\nby Base above). \\n \\nTPO Benefit to be purchased x TPO Premium Factor = TPO Cost. \\n \\nIf TPO Cost is greater than Excess credits, determine how much term coverage Excess \\ncredits purchase by: \\n \\nExcess credits / Premium factor \\nIf Excess credits are greater than TPO Cost, the difference purchases PUAs as \\nreferenced above (Paidup Units Purchased by Base).\"",
"file_name": "LifeSys General Information.pdf",
"page_label": "44"
},
{
"id": "0bfdf262-b140-4260-8f5b-cfba2d073c9a",
"text": "\"System Reference Manual \\n \\n \\n \\n\\u00a9 2023 NTT DATA, Inc. | Proprietary and Confidential | July 5, 2024 1613 \\n \\n \\nSHADOW ACCT COI RATING \\n6. METHOD \\nTwo position code describing the type of premium entry or the basis of the premium \\nentry. The METHOD is used to access the Premium Rate Factor File which is available \\nthrough Rate Maintenance (94) screen. Input is required (in all four occurrences), valid \\nvalues include: \\n 00 not used \\n 01 premium rate by flat amount per volume of coverage (included in \\nsubstandard premium calculations) \\n 02 first year additional deposit \\n 03 flat annual premium amount \\n 05 expense charge \\n 06 current and guaranteed COI by percentage of total target premium of all \\ninsureds\\u2019 coverages (included in substandard calculations) \\n 07 policy fee plus account value load defined on COI Ruleset \\n 08 pass requested payment amount for external calculation \\n 09 pass initial lump sum for external calculation \\n 10 pass requested payment amount and initial lump sum for external \\ncalculation \\n 11 premium rate by percentage of total premium of an insureds\\u2019 coverages \\n(included in substandard calculations) \\n 13 premium rate by flat amount per volume of coverage (not included in \\nsubstandard premium calculation for substandard type 30). \\n 15 flat amount additional load (added to the fund at time of premium \\npayment and deducted at time of COI deduction) \\n 20 premium rate by percentage of total COI of contract benefit amount = total \\nunits of contract, for use of SBC\\u2019s only \\n 50 premium rate by flat amount per volume of coverage (percent \\nsubstandard is a percent of first year COI rate) \\n 90 minimum premium \\n 91 maximum premium \\n \\n7. RATEKEY \\nSix position field identifying the set of Rates to access during the calculation of \\npremiums for this plan. The RATEKEY field may be used to allow several plans to \\nreference the same Rate Record as well as allowing a specific set of Rates to be \\nestablished for a specific plan. Valid entry into the RATEKEY field includes: \\nblank when not applicable or \\nany other value (up to six positions) to access a specific set of \\nrates\"",
"file_name": "System Reference-General Maintenance.pdf",
"page_label": "445"
},
{
"id": "38d5a1d9-5b9d-44c8-b8c6-f55d31909423",
"text": "\"System Reference Manual \\n \\n \\n \\n\\u00a9 2023 NTT DATA, Inc. | Proprietary and Confidential | July 5, 2024 1613 \\n \\n \\nSHADOW ACCT COI RATING \\n6. METHOD \\nTwo position code describing the type of premium entry or the basis of the premium \\nentry. The METHOD is used to access the Premium Rate Factor File which is available \\nthrough Rate Maintenance (94) screen. Input is required (in all four occurrences), valid \\nvalues include: \\n 00 not used \\n 01 premium rate by flat amount per volume of coverage (included in \\nsubstandard premium calculations) \\n 02 first year additional deposit \\n 03 flat annual premium amount \\n 05 expense charge \\n 06 current and guaranteed COI by percentage of total target premium of all \\ninsureds\\u2019 coverages (included in substandard calculations) \\n 07 policy fee plus account value load defined on COI Ruleset \\n 08 pass requested payment amount for external calculation \\n 09 pass initial lump sum for external calculation \\n 10 pass requested payment amount and initial lump sum for external \\ncalculation \\n 11 premium rate by percentage of total premium of an insureds\\u2019 coverages \\n(included in substandard calculations) \\n 13 premium rate by flat amount per volume of coverage (not included in \\nsubstandard premium calculation for substandard type 30). \\n 15 flat amount additional load (added to the fund at time of premium \\npayment and deducted at time of COI deduction) \\n 20 premium rate by percentage of total COI of contract benefit amount = total \\nunits of contract, for use of SBC\\u2019s only \\n 50 premium rate by flat amount per volume of coverage (percent \\nsubstandard is a percent of first year COI rate) \\n 90 minimum premium \\n 91 maximum premium \\n \\n7. RATEKEY \\nSix position field identifying the set of Rates to access during the calculation of \\npremiums for this plan. The RATEKEY field may be used to allow several plans to \\nreference the same Rate Record as well as allowing a specific set of Rates to be \\nestablished for a specific plan. Valid entry into the RATEKEY field includes: \\nblank when not applicable or \\nany other value (up to six positions) to access a specific set of \\nrates\"",
"file_name": "System Reference-LifeSys System Reference.pdf",
"page_label": "1613"
},
{
"id": "9513866b-f125-4b35-9e12-f1c9ab41a43f",
"text": "\"System Reference Manual \\n \\n \\n \\n\\u00a9 2023 NTT DATA, Inc. | Proprietary and Confidential | July 5, 2024 1558 \\n \\n \\n4. SUB TYPE \\n Subtype of plan record. Do not enter on this screen. \\n \\n5. EFFECTIVE DATE \\n Date plan data is in effect. Do not enter on this screen. \\n \\nCURRENT PREMIUM RATING ENTRIES \\n6. METHOD \\n This field contains a two position code describing the type of premium entry or the basis \\nof the premium entry. The METHOD is used to access the Premium Rate Factor File \\n(available through 94 screen). Input is required (in all four occurrences), valid values \\ninclude: \\n 00 not used \\n 01 premium rate by flat amount per volume of coverage (included in \\nsubstandard premium calculations) \\n 02 first year additional deposit \\n 03 flat annual premium amount \\n 05 expense charge \\n 06 waiver of target - COI rate by percentage of total target premium of all \\ninsureds coverages (allowed on current and guaranteed COI tables only) \\n(included in substandard calculations) \\n 07 policy fee plus account value load defined on COI Ruleset \\n 08 pass requested payment amount for external calculation \\n 09 pass initial lump sum for external calculation \\n 10 pass requested payment amount and initial lump sum for external \\ncalculation \\n 11 premium rate by percentage of total premium of an insureds\\u2019 coverages \\n(included in substandard calculations) \\n 13 premium rate by flat amount per volume of coverage (not included in \\nsubstandard premium calculation for substandard type 30) \\n 14 mode policy fee \\n 15 flat amount additional load (added to the fund at time of premium \\npayment and deducted at time of COI deduction) \\n 16 minimum and target premium rate by percentage of total target premium \\nof all insured\\u2019s coverages, excluding waiver \\n 18 used only for return of premium defined as an additional benefit. The \\npremium rate (defined as a dollar amount) x the total of the premium for \\nthe insured\\u2019s basic coverage + all other coverages defined as additional \\nbenefits (excludes any other SBC\\u2019s and charge codes) \\n 50 premium rate by flat amount per volume of coverage (percent \\nsubstandard is a percent of first year COI rate)\"",
"file_name": "System Reference-General Maintenance.pdf",
"page_label": "390"
},
{
"id": "f30abd38-6d95-4bc3-be27-a336391cd640",
"text": "\"System Reference Manual \\n \\n \\n \\n\\u00a9 2023 NTT DATA, Inc. | Proprietary and Confidential | July 5, 2024 1558 \\n \\n \\n4. SUB TYPE \\n Subtype of plan record. Do not enter on this screen. \\n \\n5. EFFECTIVE DATE \\n Date plan data is in effect. Do not enter on this screen. \\n \\nCURRENT PREMIUM RATING ENTRIES \\n6. METHOD \\n This field contains a two position code describing the type of premium entry or the basis \\nof the premium entry. The METHOD is used to access the Premium Rate Factor File \\n(available through 94 screen). Input is required (in all four occurrences), valid values \\ninclude: \\n 00 not used \\n 01 premium rate by flat amount per volume of coverage (included in \\nsubstandard premium calculations) \\n 02 first year additional deposit \\n 03 flat annual premium amount \\n 05 expense charge \\n 06 waiver of target - COI rate by percentage of total target premium of all \\ninsureds coverages (allowed on current and guaranteed COI tables only) \\n(included in substandard calculations) \\n 07 policy fee plus account value load defined on COI Ruleset \\n 08 pass requested payment amount for external calculation \\n 09 pass initial lump sum for external calculation \\n 10 pass requested payment amount and initial lump sum for external \\ncalculation \\n 11 premium rate by percentage of total premium of an insureds\\u2019 coverages \\n(included in substandard calculations) \\n 13 premium rate by flat amount per volume of coverage (not included in \\nsubstandard premium calculation for substandard type 30) \\n 14 mode policy fee \\n 15 flat amount additional load (added to the fund at time of premium \\npayment and deducted at time of COI deduction) \\n 16 minimum and target premium rate by percentage of total target premium \\nof all insured\\u2019s coverages, excluding waiver \\n 18 used only for return of premium defined as an additional benefit. The \\npremium rate (defined as a dollar amount) x the total of the premium for \\nthe insured\\u2019s basic coverage + all other coverages defined as additional \\nbenefits (excludes any other SBC\\u2019s and charge codes) \\n 50 premium rate by flat amount per volume of coverage (percent \\nsubstandard is a percent of first year COI rate)\"",
"file_name": "System Reference-LifeSys System Reference.pdf",
"page_label": "1558"
},
{
"id": "f5d26116-4670-428f-8e35-bd6881e209d9",
"text": "\"System Reference Manual \\n \\n \\n \\n\\u00a9 2023 NTT DATA, Inc. | Proprietary and Confidential | July 5, 2024 189 \\n \\n \\n \\n9. FACE/UNIT VALUE (D) \\n Face amount per unit. Five integers, two decimals. \\n \\n10. GUAR DTH BENEFIT (D) \\n Guaranteed death benefit factors. (Only used when this differs from the above current \\nFACE/UNIT VALUE factor.) \\n \\n11. CASH VALUE (D) \\n Cash value in dollars per unit. 5 integers, 2 decimals. \\n \\n12. RESERVE VALUE (D) \\n Reserve amount in dollars per unit. 7 integers, 2 decimals. \\n \\n13. MORTALITY FACTOR \\nCertain client policies receive excess credits, which consist of three parts: Interest, \\nMortality, and Expense. These excess credits are applied to the contract at the end of \\nthe policy year and are used to purchase Paid Up Additions (PUA), increase the policy\\u2019s \\ndeath benefit, cash value or is used to purchase one-year term insurance. \\n \\nThe factor in this field is used to calculate the mortality credits that may be applied as \\nPUA or to purchase one-year term insurance. \\n \\n14. EXPENSE FACTOR \\nCertain client policies receive excess credits, which consist of three parts: Interest, \\nMortality, and Expense. These excess credits are applied to the contract at the end of \\nthe policy year and are used to purchase Paid Up Additions (PUA), which increase the \\npolicy\\u2019s death benefit, cash value or is used to purchase one-year term insurance. The \\nfactor in this field is used to calculate the expense credits that may be applied as PUA or \\nto purchase one-year term insurance. \\n \\n15. UNSP FACTOR \\nCertain client policies receive excess credits. These excess credits are applied to the \\ncontract at the end of the policy year and are used to purchase Paid Up Additions (PUA), \\nwhich increase the policy\\u2019s death benefit, cash value or is used to purchase one-year \\nterm insurance. The factor in this field is used to calculate the Unloaded Net Single \\nPremium (UNSP) credits that may be applied as PUA or to purchase one-year term \\ninsurance.\"",
"file_name": "System Reference-LifeSys System Reference.pdf",
"page_label": "189"
},
{
"id": "4c8cabd5-bfff-4cf1-99c8-712464e4c799",
"text": "\"System Reference Manual \\n \\n \\n \\n\\u00a9 2023 NTT DATA, Inc. | Proprietary and Confidential | July 5, 2024 1624 \\n \\n \\n \\n15. STACKBY \\n See STACKBY codes for Plan File Maintenance (95) screen, 100-199/300 record, 3rd \\npage. \\n \\nNO LAPSE PREMIUM RATING \\u2013 TIER 4 \\n16. METHOD \\nThis field contains a two-position code describing the type of premium entry or the basis \\nof the premium entry. The METHOD is used to access the Premium Rate Factor File \\nwhich is available through Rate Maintenance (94) screen. Input is required (in all four \\noccurrences), valid values include: \\n 00 not used \\n 01 premium rate by flat amount per volume of coverage (included in \\nsubstandard premium calculations) \\n 02 first year additional deposit \\n 03 flat annual premium amount \\n 05 expense charge \\n 06 current and guaranteed COI by percentage of total target premium of all \\ninsureds\\u2019 coverages (included in substandard calculations) \\n 07 policy fee plus account value load defined on COI Ruleset \\n 08 pass requested payment amount for external calculation \\n 09 pass initial lump sum for external calculation \\n 10 pass requested payment amount and initial lump sum for external \\ncalculation \\n 11 premium rate by percentage of total premium of an insureds\\u2019 coverages \\n(included in substandard calculations) \\n 13 premium rate by flat amount per volume of coverage (not included in \\nsubstandard premium calculation for substandard type 30). \\n 15 flat amount additional load (added to the fund at time of premium \\npayment and deducted at time of COI deduction) \\n 20 premium rate by percentage of total COI of contract benefit amount = total \\nunits of contract, for use of SBC\\u2019s only \\n 50 premium rate by flat amount per volume of coverage (percent \\nsubstandard is a percent of first year COI rate) \\n 90 minimum premium \\n 91 maximum premium\"",
"file_name": "System Reference-General Maintenance.pdf",
"page_label": "456"
},
{
"id": "c8beb4b7-83ce-415e-ac36-231d21196be8",
"text": "\"System Reference Manual \\n \\n \\n \\n\\u00a9 2023 NTT DATA, Inc. | Proprietary and Confidential | July 5, 2024 1624 \\n \\n \\n \\n15. STACKBY \\n See STACKBY codes for Plan File Maintenance (95) screen, 100-199/300 record, 3rd \\npage. \\n \\nNO LAPSE PREMIUM RATING \\u2013 TIER 4 \\n16. METHOD \\nThis field contains a two-position code describing the type of premium entry or the basis \\nof the premium entry. The METHOD is used to access the Premium Rate Factor File \\nwhich is available through Rate Maintenance (94) screen. Input is required (in all four \\noccurrences), valid values include: \\n 00 not used \\n 01 premium rate by flat amount per volume of coverage (included in \\nsubstandard premium calculations) \\n 02 first year additional deposit \\n 03 flat annual premium amount \\n 05 expense charge \\n 06 current and guaranteed COI by percentage of total target premium of all \\ninsureds\\u2019 coverages (included in substandard calculations) \\n 07 policy fee plus account value load defined on COI Ruleset \\n 08 pass requested payment amount for external calculation \\n 09 pass initial lump sum for external calculation \\n 10 pass requested payment amount and initial lump sum for external \\ncalculation \\n 11 premium rate by percentage of total premium of an insureds\\u2019 coverages \\n(included in substandard calculations) \\n 13 premium rate by flat amount per volume of coverage (not included in \\nsubstandard premium calculation for substandard type 30). \\n 15 flat amount additional load (added to the fund at time of premium \\npayment and deducted at time of COI deduction) \\n 20 premium rate by percentage of total COI of contract benefit amount = total \\nunits of contract, for use of SBC\\u2019s only \\n 50 premium rate by flat amount per volume of coverage (percent \\nsubstandard is a percent of first year COI rate) \\n 90 minimum premium \\n 91 maximum premium\"",
"file_name": "System Reference-LifeSys System Reference.pdf",
"page_label": "1624"
},
{
"id": "dc06474d-1bef-40b8-98aa-5a8e57a12202",
"text": "\"System Reference Manual \\n \\n \\n \\n\\u00a9 2022 NTT DATA, Inc. | Proprietary and Confidential | April 20 2020 189 \\n \\n \\n \\n9. FACE/UNIT VALUE (D) \\n Face amount per unit. Five integers, two decimals. \\n \\n10. GUAR DTH BENEFIT (D) \\n Guaranteed death benefit factors. (Only used when this differs from the above current \\nFACE/UNIT VALUE factor.) \\n \\n11. CASH VALUE (D) \\n Cash value in dollars per unit. 5 integers, 2 decimals. \\n \\n12. RESERVE VALUE (D) \\n Reserve amount in dollars per unit. 7 integers, 2 decimals. \\n \\n13. MORTALITY FACTOR \\nCertain client policies receive excess credits, which consist of three parts: Interest, \\nMortality, and Expense. These excess credits are applied to the contract at the end of \\nthe policy year and are used to purchase Paid Up Additions (PUA), increase the policy\\u2019s \\ndeath benefit, cash value or is used to purchase one-year term insurance. \\n \\nThe factor in this field is used to calculate the mortality credits that may be applied as \\nPUA or to purchase one-year term insurance. \\n \\n14. EXPENSE FACTOR \\nCertain client policies receive excess credits, which consist of three parts: Interest, \\nMortality, and Expense. These excess credits are applied to the contract at the end of \\nthe policy year and are used to purchase Paid Up Additions (PUA), which increase the \\npolicy\\u2019s death benefit, cash value or is used to purchase one-year term insurance. The \\nfactor in this field is used to calculate the expense credits that may be applied as PUA or \\nto purchase one-year term insurance. \\n \\n15. UNSP FACTOR \\nCertain client policies receive excess credits. These excess credits are applied to the \\ncontract at the end of the policy year and are used to purchase Paid Up Additions (PUA), \\nwhich increase the policy\\u2019s death benefit, cash value or is used to purchase one-year \\nterm insurance. The factor in this field is used to calculate the Unloaded Net Single \\nPremium (UNSP) credits that may be applied as PUA or to purchase one-year term \\ninsurance.\"",
"file_name": "System Reference-New Business.pdf",
"page_label": "138"
},
{
"id": "8513ca38-9f93-49da-be9c-d5ccf53565cb",
"text": "\"System Reference Manual \\n \\n \\n \\n\\u00a9 2023 NTT DATA, Inc. | Proprietary and Confidential | July 5, 2024 1618 \\n \\n \\n14. EFFDATE \\n See EFFDATE codes for Plan File Maintenance (95) screen, 100-199/300 record, 3rd \\npage. \\n \\n15. STACKBY \\n See STACKBY codes for Plan File Maintenance (95) screen, 100-199/300 record, 3rd \\npage. \\n \\nNO LAPSE PREMIUM RATING \\u2013 TIER 2 \\n16. METHOD \\nThis field contains a two position code describing the type of premium entry or the basis \\nof the premium entry. The METHOD is used to access the Premium Rate Factor File \\nwhich is available through Rate Maintenance (94) screen. Input is required (in all four \\noccurrences), valid values include: \\n 00 not used \\n 01 premium rate by flat amount per volume of coverage (included in \\nsubstandard premium calculations) \\n 02 first year additional deposit \\n 03 flat annual premium amount \\n 05 expense charge \\n 06 current and guaranteed COI by percentage of total target premium of all \\ninsureds\\u2019 coverages (included in substandard calculations) \\n 07 policy fee plus account value load defined on COI Ruleset \\n 08 pass requested payment amount for external calculation \\n 09 pass initial lump sum for external calculation \\n 10 pass requested payment amount and initial lump sum for external \\ncalculation \\n 11 premium rate by percentage of total premium of an insureds\\u2019 coverages \\n(included in substandard calculations) \\n 13 premium rate by flat amount per volume of coverage (not included in \\nsubstandard premium calculation for substandard type \\u201c30\\u201d). \\n 15 flat amount additional load (added to the fund at time of premium \\npayment and deducted at time of COI deduction) \\n 20 premium rate by percentage of total COI of contract benefit amount = total \\nunits of contract, for use of SBC\\u2019s only \\n 50 premium rate by flat amount per volume of coverage (percent \\nsubstandard is a percent of first year COI rate) \\n 90 minimum premium \\n 91 maximum premium\"",
"file_name": "System Reference-General Maintenance.pdf",
"page_label": "450"
},
{
"id": "b44f2904-01ab-44fc-a286-0b2ece86be7b",
"text": "\"System Reference Manual \\n \\n \\n \\n\\u00a9 2023 NTT DATA, Inc. | Proprietary and Confidential | July 5, 2024 1482 \\n \\n \\nField Descriptions \\n1. METHOD \\n Two position code describing type of premium entry or the basis of the premium rate(s). \\nRate File Records are accessed based upon the METHOD established on the Plan File. \\nValid methods include: \\n 01 premium rate per volume of coverage (included in substandard calculations) \\n 02 first year additional deposit \\n 03 flat annual premium amount \\n 05 expense charge \\n 06 cost of insurance rate or guaranteed premium rate by percent of total target \\npremium of all insured\\u2019s coverages (enter 25% as 0.25) (included in substandard \\ncalculations) \\n 07 policy fee plus account value load defined on COI Ruleset \\n 08 external calculation - rate records are not established \\n 09 external calculation - rate records are not established \\n 10 external calculation - rate records are not established \\n 11 premium rate by percentage of total premium of an insured\\u2019s coverages (enter \\n25% as 25.00) (included in substandard calculations) \\n 13 premium rate per volume of coverage (not included in substandard calculations) \\n 14 mode policy fee \\n 15 flat amount additional load (added to the fund at time of premium payment and \\ndeducted at time of COI deduction) \\n 16 premium rate by percentage of total target premium of an insured\\u2019s coverages \\n 17 premium rate by percentage of face amount plus target premium (only for \\nsurrender premium rating and also assumes target premium is to be calculated) \\n 18 used only for return of premium defined as an additional benefit. The premium \\nrate (defined as a dollar amount) x the total of the premium for the insured\\u2019s \\nbasic coverage + all other coverages defined as additional benefits (excludes any \\nother SBC\\u2019s and charge codes) \\n 19 premium rate by percentage of total units of contract (include) base + riders for \\nuse of SBC only \\n 20 premium rate by percentage of total COI of contract benefit amount = total units \\nof contract, for use of SBC\\u2019s only \\n 50 premium rate by flat amount per volume of coverage (percent substandard is a \\npercent of first year COI rate) \\n 90 minimum premium \\n 91 maximum premium\"",
"file_name": "System Reference-LifeSys System Reference.pdf",
"page_label": "1482"
},
{
"id": "5a6d54c1-1581-460c-9b24-70556442f99c",
"text": "\"System Reference Manual \\n \\n \\n \\n\\u00a9 2023 NTT DATA, Inc. | Proprietary and Confidential | July 5, 2024 1482 \\n \\n \\nField Descriptions \\n1. METHOD \\n Two position code describing type of premium entry or the basis of the premium rate(s). \\nRate File Records are accessed based upon the METHOD established on the Plan File. \\nValid methods include: \\n 01 premium rate per volume of coverage (included in substandard calculations) \\n 02 first year additional deposit \\n 03 flat annual premium amount \\n 05 expense charge \\n 06 cost of insurance rate or guaranteed premium rate by percent of total target \\npremium of all insured\\u2019s coverages (enter 25% as 0.25) (included in substandard \\ncalculations) \\n 07 policy fee plus account value load defined on COI Ruleset \\n 08 external calculation - rate records are not established \\n 09 external calculation - rate records are not established \\n 10 external calculation - rate records are not established \\n 11 premium rate by percentage of total premium of an insured\\u2019s coverages (enter \\n25% as 25.00) (included in substandard calculations) \\n 13 premium rate per volume of coverage (not included in substandard calculations) \\n 14 mode policy fee \\n 15 flat amount additional load (added to the fund at time of premium payment and \\ndeducted at time of COI deduction) \\n 16 premium rate by percentage of total target premium of an insured\\u2019s coverages \\n 17 premium rate by percentage of face amount plus target premium (only for \\nsurrender premium rating and also assumes target premium is to be calculated) \\n 18 used only for return of premium defined as an additional benefit. The premium \\nrate (defined as a dollar amount) x the total of the premium for the insured\\u2019s \\nbasic coverage + all other coverages defined as additional benefits (excludes any \\nother SBC\\u2019s and charge codes) \\n 19 premium rate by percentage of total units of contract (include) base + riders for \\nuse of SBC only \\n 20 premium rate by percentage of total COI of contract benefit amount = total units \\nof contract, for use of SBC\\u2019s only \\n 50 premium rate by flat amount per volume of coverage (percent substandard is a \\npercent of first year COI rate) \\n 90 minimum premium \\n 91 maximum premium\"",
"file_name": "System Reference-General Maintenance.pdf",
"page_label": "314"
},
{
"id": "30245a23-eba9-4e7a-8d55-cfb7e8cdd073",
"text": "\"System Reference Manual \\n \\n \\n \\n\\u00a9 2023 NTT DATA, Inc. | Proprietary and Confidential | July 5, 2024 1604 \\n \\n \\n4. SUB TYPE \\n Three-digit SUB TYPE of Plan Record. Must be \\u201c302\\u201d. \\n \\n5. EFFECTIVE DATE \\n Date Plan Data is in effect. Must be in YYYYMMDD format. This field cannot be blank \\nnot allowed. \\n \\nGUARANTEED COI RATING (4 occurrences) \\n6. METHOD \\n Two position code describing the type of premium entry or the basis of the premium \\nentry. The METHOD is used to access the Premium Rate Factor File (available through \\nScreen 94). Input is required (in all four occurrences), valid values include: \\n 00 not used \\n 01 premium rate by flat amount per volume of coverage (included in \\nsubstandard premium calculations) \\n 02 first year additional deposit \\n 03 flat annual premium amount \\n 05 expense charge \\n 06 current and guaranteed COI by percentage of total target premium of all \\ninsureds\\u2019 coverages (included in substandard calculations) \\n 07 policy fee plus account value load defined on COI Ruleset \\n 08 pass requested payment amount for external calculation \\n 09 pass initial lump sum for external calculation \\n 10 pass requested payment amount and initial lump sum for external \\ncalculation \\n 11 premium rate by percentage of total premium of an insured\\u2019s coverages \\n(included in substandard calculations) \\n 13 premium rate by flat amount per volume of coverage (not included in \\nsubstandard premium calculation for substandard type 30) \\n 15 flat amount additional load (added to the fund at time of premium \\npayment and deducted at time of COI deduction) \\n20 premium rate by percentage of total COI of contract benefit amount = total \\nunits of contract, for use of SBCs only. SBC 20s benefit is total COI units \\non contract. \\n21 premium rate by percentage of total COI of contract benefit amount = total \\nunits of contract, for use of SBCs only. SBC 20s benefit is total COI on \\ncontract. \\n 50 premium rate by flat amount per volume of coverage (percent \\nsubstandard is a percent of first year COI rate) \\n 90 minimum premium\"",
"file_name": "System Reference-LifeSys System Reference.pdf",
"page_label": "1604"
},
{
"id": "6f8c073a-3320-4a69-aa1c-c3ad3902d0b7",
"text": "\"System Reference Manual \\n \\n \\n \\n\\u00a9 2023 NTT DATA, Inc. | Proprietary and Confidential | July 5, 2024 1604 \\n \\n \\n4. SUB TYPE \\n Three-digit SUB TYPE of Plan Record. Must be \\u201c302\\u201d. \\n \\n5. EFFECTIVE DATE \\n Date Plan Data is in effect. Must be in YYYYMMDD format. This field cannot be blank \\nnot allowed. \\n \\nGUARANTEED COI RATING (4 occurrences) \\n6. METHOD \\n Two position code describing the type of premium entry or the basis of the premium \\nentry. The METHOD is used to access the Premium Rate Factor File (available through \\nScreen 94). Input is required (in all four occurrences), valid values include: \\n 00 not used \\n 01 premium rate by flat amount per volume of coverage (included in \\nsubstandard premium calculations) \\n 02 first year additional deposit \\n 03 flat annual premium amount \\n 05 expense charge \\n 06 current and guaranteed COI by percentage of total target premium of all \\ninsureds\\u2019 coverages (included in substandard calculations) \\n 07 policy fee plus account value load defined on COI Ruleset \\n 08 pass requested payment amount for external calculation \\n 09 pass initial lump sum for external calculation \\n 10 pass requested payment amount and initial lump sum for external \\ncalculation \\n 11 premium rate by percentage of total premium of an insured\\u2019s coverages \\n(included in substandard calculations) \\n 13 premium rate by flat amount per volume of coverage (not included in \\nsubstandard premium calculation for substandard type 30) \\n 15 flat amount additional load (added to the fund at time of premium \\npayment and deducted at time of COI deduction) \\n20 premium rate by percentage of total COI of contract benefit amount = total \\nunits of contract, for use of SBCs only. SBC 20s benefit is total COI units \\non contract. \\n21 premium rate by percentage of total COI of contract benefit amount = total \\nunits of contract, for use of SBCs only. SBC 20s benefit is total COI on \\ncontract. \\n 50 premium rate by flat amount per volume of coverage (percent \\nsubstandard is a percent of first year COI rate) \\n 90 minimum premium\"",
"file_name": "System Reference-General Maintenance.pdf",
"page_label": "436"
},
{
"id": "9513866b-f125-4b35-9e12-f1c9ab41a43f",
"text": "\"System Reference Manual \\n \\n \\n \\n\\u00a9 2023 NTT DATA, Inc. | Proprietary and Confidential | July 5, 2024 1558 \\n \\n \\n4. SUB TYPE \\n Subtype of plan record. Do not enter on this screen. \\n \\n5. EFFECTIVE DATE \\n Date plan data is in effect. Do not enter on this screen. \\n \\nCURRENT PREMIUM RATING ENTRIES \\n6. METHOD \\n This field contains a two position code describing the type of premium entry or the basis \\nof the premium entry. The METHOD is used to access the Premium Rate Factor File \\n(available through 94 screen). Input is required (in all four occurrences), valid values \\ninclude: \\n 00 not used \\n 01 premium rate by flat amount per volume of coverage (included in \\nsubstandard premium calculations) \\n 02 first year additional deposit \\n 03 flat annual premium amount \\n 05 expense charge \\n 06 waiver of target - COI rate by percentage of total target premium of all \\ninsureds coverages (allowed on current and guaranteed COI tables only) \\n(included in substandard calculations) \\n 07 policy fee plus account value load defined on COI Ruleset \\n 08 pass requested payment amount for external calculation \\n 09 pass initial lump sum for external calculation \\n 10 pass requested payment amount and initial lump sum for external \\ncalculation \\n 11 premium rate by percentage of total premium of an insureds\\u2019 coverages \\n(included in substandard calculations) \\n 13 premium rate by flat amount per volume of coverage (not included in \\nsubstandard premium calculation for substandard type 30) \\n 14 mode policy fee \\n 15 flat amount additional load (added to the fund at time of premium \\npayment and deducted at time of COI deduction) \\n 16 minimum and target premium rate by percentage of total target premium \\nof all insured\\u2019s coverages, excluding waiver \\n 18 used only for return of premium defined as an additional benefit. The \\npremium rate (defined as a dollar amount) x the total of the premium for \\nthe insured\\u2019s basic coverage + all other coverages defined as additional \\nbenefits (excludes any other SBC\\u2019s and charge codes) \\n 50 premium rate by flat amount per volume of coverage (percent \\nsubstandard is a percent of first year COI rate)\"",
"file_name": "System Reference-General Maintenance.pdf",
"page_label": "390"
},
{
"id": "f30abd38-6d95-4bc3-be27-a336391cd640",
"text": "\"System Reference Manual \\n \\n \\n \\n\\u00a9 2023 NTT DATA, Inc. | Proprietary and Confidential | July 5, 2024 1558 \\n \\n \\n4. SUB TYPE \\n Subtype of plan record. Do not enter on this screen. \\n \\n5. EFFECTIVE DATE \\n Date plan data is in effect. Do not enter on this screen. \\n \\nCURRENT PREMIUM RATING ENTRIES \\n6. METHOD \\n This field contains a two position code describing the type of premium entry or the basis \\nof the premium entry. The METHOD is used to access the Premium Rate Factor File \\n(available through 94 screen). Input is required (in all four occurrences), valid values \\ninclude: \\n 00 not used \\n 01 premium rate by flat amount per volume of coverage (included in \\nsubstandard premium calculations) \\n 02 first year additional deposit \\n 03 flat annual premium amount \\n 05 expense charge \\n 06 waiver of target - COI rate by percentage of total target premium of all \\ninsureds coverages (allowed on current and guaranteed COI tables only) \\n(included in substandard calculations) \\n 07 policy fee plus account value load defined on COI Ruleset \\n 08 pass requested payment amount for external calculation \\n 09 pass initial lump sum for external calculation \\n 10 pass requested payment amount and initial lump sum for external \\ncalculation \\n 11 premium rate by percentage of total premium of an insureds\\u2019 coverages \\n(included in substandard calculations) \\n 13 premium rate by flat amount per volume of coverage (not included in \\nsubstandard premium calculation for substandard type 30) \\n 14 mode policy fee \\n 15 flat amount additional load (added to the fund at time of premium \\npayment and deducted at time of COI deduction) \\n 16 minimum and target premium rate by percentage of total target premium \\nof all insured\\u2019s coverages, excluding waiver \\n 18 used only for return of premium defined as an additional benefit. The \\npremium rate (defined as a dollar amount) x the total of the premium for \\nthe insured\\u2019s basic coverage + all other coverages defined as additional \\nbenefits (excludes any other SBC\\u2019s and charge codes) \\n 50 premium rate by flat amount per volume of coverage (percent \\nsubstandard is a percent of first year COI rate)\"",
"file_name": "System Reference-LifeSys System Reference.pdf",
"page_label": "1558"
},
{
"id": "33b14682-120c-4639-aae6-72b8fa0c6c4a",
"text": "\"i) Replace LM-PLAN-PLANOPTX, positions 1-4 with values from Column F (exo_plan_code)\\n ii) ELSE If LM-PLAN-PLANOPTX is populated, send value\\n E) ELSE send the combined value of LM-PLAN1-6 and LM-FORMOPTX\\n Policy View Coverage Detail Coverage Legacy Plan Code Mapped\\n49 AnnualizedPremiumAmt 326 338 13 PIC 9(10).99 Current Regular Premium: the entire premium paid in the policy year (with fees and modal factor adjustments) Current Regular Premium: the entire premium paid in the policy year (with fees and modal factor adjustments) \\n\\nFor Life coverage records, Accidental Death Benefits or Waiver of Monthly Deductible supplemental benefits that are not expired: Send value of ((policy modal \\u2013 premium) * mode)\\n Note: Life coverage records include Base policies, PITR, AIR and CLTR riders\\nFor supplemental benefits, Accidental Death Benefits or Waiver of Monthly Deductible that are not expired: Send value of (premium * mode)\\n\\nFor ETI and RPU - Send 0\\nFor Paid up and Single Pay - send most recent premium amount. 21/2: MODAL (LSN314)\\n21/2: MODE (LSN314)\\n21/2: TYPE (LSN314)\\n21/2: PREMIUM (LSN314)\\n21/2: BEGIN (LSN314)\\n21/2: EXPIRY (LSN314)\\n21/2: STATUS (LSN314)\\n Calculated\\n\\nUse Subroutine LSNAD373 For Life coverage records: \\n\\nUse Subroutine LSNAD373 for the calculation of mode and premium\\n\\nIF LM-STATUS = P AND\\n IF POLICYSTATUSCD (FIELD 38) = 44 OR 45 - SEND 0\\n ELSE\\n\\nSend the value of (21/2: MODAL - 21/2: PREMIUM for 21/2: TYPE = 020 or 010, if not expired) * MODE\\n\\n**Life coverage records include Base policies, PITR, AIR, and CLTR riders\\n\\nFor SBC's 21/2: TYPE = 020 or 010, send the value of 21/2: PREMIUM * MODE, if not expired Policy Billing and Premium Annualized Premium Mapped\\n50 ShadowAcctValueAmt 340 352 13 PIC 9(10).99 Notional Account Fund Value Send zeros\\n Hardcoded Hardcoded Send zeros 0 Mapped\\n51 DBOption 354 354 1 PIC X(1) Death Benefit Option Send space\\n Hardcoded Hardcoded\\n Send space Space Mapped\\n52 TermConversionInd 356 356 1 PIC X(1) Term Conversion Indicator (Value: Y/N) Indicates that a policy is a Term Conversion.\\nExpected values are Y or N.\\n\\nTerm conversion policies begin with TC in LifeSys.\\nIf no replacement policy number is found, send N\\n 21/3: REPL TYPE\\n21/3: REPL POL\\n21/3: RPOL2\\n21/3: RPOL3\\n LM-RP-REPL-IND\\nLM-RP-REPL-POLICY\\nLM-RP-REPL-POL2\\nLM-RP-REPL-POL3 If the first two characters of policy start with 'TC', then find it's Replacement Policy from 21/3 screen - It can be found either be in REPL POL or RPOL2 or RPOL3. \\nLook for the LM-RP-REPL-IND (RP-segment of the Replacement Policy). If it is 'N' or Spaces then mark 'N'. For any other value mark 'Y'.\\nIf Replacement Policy is not found in 21/3 screen, mark 'N'.\\n \\n53 TermConversionNumOfYears 358 360 3 PIC 9(3) Term Conversion Term Length Total Term length conversion\\n\\nTerm conversion policies begin with TC in LifeSys.\""
},
{
"id": "ff1c656d-ed11-49ab-be88-9421f6f5ae26",
"text": "\"System Reference Manual \\n \\n \\n \\n\\u00a9 2023 NTT DATA, Inc. | Proprietary and Confidential | July 5, 2024 1597 \\n \\n \\n \\n4. SUB TYPE \\n Three-digit subtype of Plan Record. Must be \\u201c302\\u201d. \\n \\n5. EFFECTIVE DATE \\n Date Plan Data is in effect. Must be in YYYYMMDD format. This field cannot be blank. \\n \\nGUARANTEED PREMIUM RATING (4 occurrences) \\n6. METHOD \\n Two position code describing the type of premium entry or the basis of the premium \\nentry. The METHOD is used to access the Premium Rate Factor File (available through \\nScreen 94). Input is required (in all four occurrences), valid values include: \\n 00 not used \\n 01 premium rate by flat amount per volume of coverage (included in \\nsubstandard premium calculations) \\n 02 first year additional deposit \\n 03 flat annual premium amount \\n 05 expense charge \\n 07 policy fee plus account value load defined on COI Ruleset \\n 08 pass requested payment amount for external calculation \\n 09 pass initial lump sum for external calculation \\n 10 pass requested payment amount and initial lump sum for external \\ncalculation \\n 11 premium rate by percentage of total premium of an insured\\u2019s coverages \\n(included in substandard premium calculations) \\n 13 premium rate by flat amount per volume of coverage (not included in \\nsubstandard premium calculation for substandard type 30) \\n 14 mode policy fee \\n 15 flat amount additional load (added to the fund at time of premium \\npayment and deducted at time of COI deduction) \\n 50 premium rate by flat amount per volume of coverage (percent \\nsubstandard is a percent of first year COI rate) \\n 51 premium rate by flat amount per volume of coverage (included in \\nsubstandard premium calculations). The substandard premium is \\nadjusted by the adjustment factor (SS) subject to maximum premium \\nincrease (MPI) for substandard type 30. Permanent flat extra is included \\nin the substandard premium calculation. Temporary flat extra is excluded. \\n 90 minimum premium \\n 91 maximum premium\"",
"file_name": "System Reference-LifeSys System Reference.pdf",
"page_label": "1597"
},
{
"id": "5ee68c07-b279-4812-9d8d-d9138bb1bc4f",
"text": "\"\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000\\u0000A. Rate File - PREMIUM RATE RECORD\\rNBSCS009\\tVersion 12\\rLRECL = 68 to 548\\tLKEYL = 56\\tMaximum number of records: one per key. The record key consists of fields three thru 13.\\rDescription of File: Contains premium rates.\\r\\r1.\\u0007PRR-LENGTH\\rLength of record.\\u0007S9(4)C.\\r\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u00072.\\u0007Reserved.\\u0007S9(4)C.\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u00073.\\u0007PRR-CO\\rCompany number.\\u0007X(2).\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u00074.\\u0007PRR-RECTYPE\\rType of record. Must be 19 for premium rates.\\u0007X(2).\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u00075.\\u0007PRR-PARM\\rParameter type. Valid values are:\\r\\\"00\\\" - not used.\\r\\\"01\\\" - premium rate by flat amount per volume of coverage (included in substandard premium calculation).\\r\\\"02\\\" - first year additional deposit.\\r\\\"05\\\" - expense charge by flat amount per volume of coverage.\\r\\\"06\\\" - COI rate by percentage of total target premium of an insureds coverages (enter 25% as 0.25).\\r\\\"07\\\" - flat policy fee.\\r\\\"08\\\" - reserved (not allowed on rate file but can be set up in plan file).\\r\\\"09\\\" - reserved (not allowed on rate file but can be set up in plan file).\\r\\\"10\\\" - reserved (not allowed on rate file but can be set up in plan file).\\r\\\"11\\\" - percent of premium on similar base plan codes (enter 25% as 25.00).\\r\\\"13\\\" - premium rate by flat amount per volume of coverage (not included in substandard premium calculation).\\r\\\"14\\\" - mode policy fee.\\r\\\"15\\\" - flat amount additional load (added to fund at time of premium payment and deducted at time of COI deduction).\\r\\\"16\\\" - premium rate by percentage of total target premium of all insureds coverages (enter 25% as 0.25).\\r17 - premium rate by percentage of face amount plus target premium (only supported to calculate surrender premium), assumes target premium is to be calculated\\r18 - used only for return of premium defined as an additional benefit. The premium rate (defined as a dollar amount) x the total of the premium for the insureds basic coverage + all other coverages defined as additional benefits (excludes any other SBCs and charge codes)\\r19 - premium rate by percentage of total units of contracts (include) base + riders for use of SBC only\\r20 - premium rate by percentage of total COI of contract benefit amount = total units of contract for use of SBCs only\\r25 per unit expense by policy layer\\r\\\"90\\\" - minimum premium.\\r\\\"91\\\" - maximum premium.\\u00079(2).\\r\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u00076.\\u0007PRR-PLAN\\rPlan code. When not required, then blank.\\u0007X(6).\\r\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u00077.\\u0007PRR-SEX\\rSex code. Valid values are:\\r\\\"M\\\" - male\\r\\\"F\\\" - female\\r\\\"U\\\" - unisex\\rblank - either\\u0007X.\\r\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u00078.\\u0007PRR-ISS-AGE\\rIssue age.\""
},
{
"id": "4c8cabd5-bfff-4cf1-99c8-712464e4c799",
"text": "\"System Reference Manual \\n \\n \\n \\n\\u00a9 2023 NTT DATA, Inc. | Proprietary and Confidential | July 5, 2024 1624 \\n \\n \\n \\n15. STACKBY \\n See STACKBY codes for Plan File Maintenance (95) screen, 100-199/300 record, 3rd \\npage. \\n \\nNO LAPSE PREMIUM RATING \\u2013 TIER 4 \\n16. METHOD \\nThis field contains a two-position code describing the type of premium entry or the basis \\nof the premium entry. The METHOD is used to access the Premium Rate Factor File \\nwhich is available through Rate Maintenance (94) screen. Input is required (in all four \\noccurrences), valid values include: \\n 00 not used \\n 01 premium rate by flat amount per volume of coverage (included in \\nsubstandard premium calculations) \\n 02 first year additional deposit \\n 03 flat annual premium amount \\n 05 expense charge \\n 06 current and guaranteed COI by percentage of total target premium of all \\ninsureds\\u2019 coverages (included in substandard calculations) \\n 07 policy fee plus account value load defined on COI Ruleset \\n 08 pass requested payment amount for external calculation \\n 09 pass initial lump sum for external calculation \\n 10 pass requested payment amount and initial lump sum for external \\ncalculation \\n 11 premium rate by percentage of total premium of an insureds\\u2019 coverages \\n(included in substandard calculations) \\n 13 premium rate by flat amount per volume of coverage (not included in \\nsubstandard premium calculation for substandard type 30). \\n 15 flat amount additional load (added to the fund at time of premium \\npayment and deducted at time of COI deduction) \\n 20 premium rate by percentage of total COI of contract benefit amount = total \\nunits of contract, for use of SBC\\u2019s only \\n 50 premium rate by flat amount per volume of coverage (percent \\nsubstandard is a percent of first year COI rate) \\n 90 minimum premium \\n 91 maximum premium\"",
"file_name": "System Reference-General Maintenance.pdf",
"page_label": "456"
},
{
"id": "c8beb4b7-83ce-415e-ac36-231d21196be8",
"text": "\"System Reference Manual \\n \\n \\n \\n\\u00a9 2023 NTT DATA, Inc. | Proprietary and Confidential | July 5, 2024 1624 \\n \\n \\n \\n15. STACKBY \\n See STACKBY codes for Plan File Maintenance (95) screen, 100-199/300 record, 3rd \\npage. \\n \\nNO LAPSE PREMIUM RATING \\u2013 TIER 4 \\n16. METHOD \\nThis field contains a two-position code describing the type of premium entry or the basis \\nof the premium entry. The METHOD is used to access the Premium Rate Factor File \\nwhich is available through Rate Maintenance (94) screen. Input is required (in all four \\noccurrences), valid values include: \\n 00 not used \\n 01 premium rate by flat amount per volume of coverage (included in \\nsubstandard premium calculations) \\n 02 first year additional deposit \\n 03 flat annual premium amount \\n 05 expense charge \\n 06 current and guaranteed COI by percentage of total target premium of all \\ninsureds\\u2019 coverages (included in substandard calculations) \\n 07 policy fee plus account value load defined on COI Ruleset \\n 08 pass requested payment amount for external calculation \\n 09 pass initial lump sum for external calculation \\n 10 pass requested payment amount and initial lump sum for external \\ncalculation \\n 11 premium rate by percentage of total premium of an insureds\\u2019 coverages \\n(included in substandard calculations) \\n 13 premium rate by flat amount per volume of coverage (not included in \\nsubstandard premium calculation for substandard type 30). \\n 15 flat amount additional load (added to the fund at time of premium \\npayment and deducted at time of COI deduction) \\n 20 premium rate by percentage of total COI of contract benefit amount = total \\nunits of contract, for use of SBC\\u2019s only \\n 50 premium rate by flat amount per volume of coverage (percent \\nsubstandard is a percent of first year COI rate) \\n 90 minimum premium \\n 91 maximum premium\"",
"file_name": "System Reference-LifeSys System Reference.pdf",
"page_label": "1624"
},
{
"id": "e014b959-6f88-4edf-bc2b-b4639d7239de",
"text": "\"Same values as minimum face amount/units method one.\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u000789 - maximum face amount/units method two code. Same values as minimum face amount/units method one.\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u000790 - maximum face amount/units method three code. Same values as minimum face amount/units method one.\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u000791 - multiple minimum method selection code. Valid values are:\\r\\\"001\\\" - use method yielding lowest minimum\\r\\\"002\\\" - use method yielding greatest minimum\\r\\\"003\\\" - lowest/greatest does not apply\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u000792 - multiple maximum method selection code. Valid values are:\\r\\\"001\\\" - use method yielding lowest maximum\\r\\\"002\\\" - use method yielding greatest maximum.\\r\\\"003\\\" - lowest/greatest does not apply\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u000793 - face amount combined with primary ins code, indicating if term riders may qualify to have the face amount combined with the face amount of the basic benefit if the rider is attached to the primary insured. Valid values are:\\r001 - does not qualify\\r002 - face amount may be considered for combination with face amount on primary insured\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u000794 - minimum premium code. Valid values are:\\r\\\"001\\\" - not required\\r\\\"002\\\" - calculate annual minimum premium\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u000795 - target premium code. Valid values are:\\r\\\"001\\\" - not required\\r\\\"002\\\" - calculate annual target premium\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u000796 - cost of insurance deduction mode calculated by system code. Valid values are:\\r\\\"001\\\" - not required\\r\\\"002\\\" - monthly coi deduction against fund\\r\\\"003\\\" - quarterly coi deduction against fund\\r\\\"004\\\" - semi-annual coi deduction against fund\\r\\\"005\\\" - annual coi deduction against fund\\rNOTE: If field \\\"AR-NAR-MTHD\\\" on the Plan File Maintenance (95) screen, 400 record = \\\"06\\\", this field must = \\\"005\\\".\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u000797 - apply excess monies at approval code. Valid values are:\\r\\\"001\\\" - not required (standard processing - refund money)\\r\\\"002\\\" - apply excess to lump sum of primary insured\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u000798 - cost and disclosure benefit description code, indicating what description for the selected option will print on the cost and disclosure facing sheet. Valid values are:\\r\\\"001\\\" - not required\\r\\\"002\\\" - LP802 ART\\r\\\"003\\\" - LP803 10 year level term\\r\\\"004\\\" - LP804 decreasing term to 65\\r\\\"005\\\" - LP804 10 year decreasing term\\r\\\"006\\\" - LP804 15 year decreasing term\\r\\\"007\\\" - LP804 15 year mortgage\\r008\\\" - LP804 30 year mortgage\\r\\\"009\\\" - LP805 decreasing convertible term with child benefit\\r\\\"010\\\" - LP700 spouse rider\\r\\\"011\\\" - LP406 child's level term insurance benefit\\r\\\"012\\\" - LP107 whole life insurance\\r\\\"013\\\" - LP107's retirement premium deposit provision\\r\\\"014\\\" - LP405 10 year supplementary family income\\r\\\"015\\\" - LP405 15 year supplementary family income\\r\\\"016\\\" - LP405 20 year supplementary family income\\r\\\"017\\\" - LP701 child rider\\r\\\"018\\\" - LP703 covered insured rider\\r\\\"019\\\" - LP701 1 child rider\\r\\\"020\\\" - LP112 whole life insurance, increasing premium, non-participating\\r\\\"021\\\" - LP117 limited pay whole life\\r\\\"022\\\" - LP101 whole life insurance, non-participating\\r\\\"023\\\" - PL-1204 whole life non-par\\r\\\"024\\\" - RL-8163 child level term rider\\r\\\"025\\\" - RL-8164 annual decreasing term to 60 rider\\r\\\"026\\\" - RL-8165 spouse annual decreasing term to 65 rider\\r\\\"027\\\" - RL-8166 family coverage term rider\\r\\\"028\\\" - RL-8167 child term rider\\r\\\"029\\\" - PL-1204 life paid-up at 85\\r\\\"030\\\" - PL-1205 not defined\\r\\\"031\\\" - PL-1206 not defined\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u000799 - special monthly premium calculation on policy pages code.\""
},
{
"id": "0bfdf262-b140-4260-8f5b-cfba2d073c9a",
"text": "\"System Reference Manual \\n \\n \\n \\n\\u00a9 2023 NTT DATA, Inc. | Proprietary and Confidential | July 5, 2024 1613 \\n \\n \\nSHADOW ACCT COI RATING \\n6. METHOD \\nTwo position code describing the type of premium entry or the basis of the premium \\nentry. The METHOD is used to access the Premium Rate Factor File which is available \\nthrough Rate Maintenance (94) screen. Input is required (in all four occurrences), valid \\nvalues include: \\n 00 not used \\n 01 premium rate by flat amount per volume of coverage (included in \\nsubstandard premium calculations) \\n 02 first year additional deposit \\n 03 flat annual premium amount \\n 05 expense charge \\n 06 current and guaranteed COI by percentage of total target premium of all \\ninsureds\\u2019 coverages (included in substandard calculations) \\n 07 policy fee plus account value load defined on COI Ruleset \\n 08 pass requested payment amount for external calculation \\n 09 pass initial lump sum for external calculation \\n 10 pass requested payment amount and initial lump sum for external \\ncalculation \\n 11 premium rate by percentage of total premium of an insureds\\u2019 coverages \\n(included in substandard calculations) \\n 13 premium rate by flat amount per volume of coverage (not included in \\nsubstandard premium calculation for substandard type 30). \\n 15 flat amount additional load (added to the fund at time of premium \\npayment and deducted at time of COI deduction) \\n 20 premium rate by percentage of total COI of contract benefit amount = total \\nunits of contract, for use of SBC\\u2019s only \\n 50 premium rate by flat amount per volume of coverage (percent \\nsubstandard is a percent of first year COI rate) \\n 90 minimum premium \\n 91 maximum premium \\n \\n7. RATEKEY \\nSix position field identifying the set of Rates to access during the calculation of \\npremiums for this plan. The RATEKEY field may be used to allow several plans to \\nreference the same Rate Record as well as allowing a specific set of Rates to be \\nestablished for a specific plan. Valid entry into the RATEKEY field includes: \\nblank when not applicable or \\nany other value (up to six positions) to access a specific set of \\nrates\"",
"file_name": "System Reference-General Maintenance.pdf",
"page_label": "445"
},
{
"id": "38d5a1d9-5b9d-44c8-b8c6-f55d31909423",
"text": "\"System Reference Manual \\n \\n \\n \\n\\u00a9 2023 NTT DATA, Inc. | Proprietary and Confidential | July 5, 2024 1613 \\n \\n \\nSHADOW ACCT COI RATING \\n6. METHOD \\nTwo position code describing the type of premium entry or the basis of the premium \\nentry. The METHOD is used to access the Premium Rate Factor File which is available \\nthrough Rate Maintenance (94) screen. Input is required (in all four occurrences), valid \\nvalues include: \\n 00 not used \\n 01 premium rate by flat amount per volume of coverage (included in \\nsubstandard premium calculations) \\n 02 first year additional deposit \\n 03 flat annual premium amount \\n 05 expense charge \\n 06 current and guaranteed COI by percentage of total target premium of all \\ninsureds\\u2019 coverages (included in substandard calculations) \\n 07 policy fee plus account value load defined on COI Ruleset \\n 08 pass requested payment amount for external calculation \\n 09 pass initial lump sum for external calculation \\n 10 pass requested payment amount and initial lump sum for external \\ncalculation \\n 11 premium rate by percentage of total premium of an insureds\\u2019 coverages \\n(included in substandard calculations) \\n 13 premium rate by flat amount per volume of coverage (not included in \\nsubstandard premium calculation for substandard type 30). \\n 15 flat amount additional load (added to the fund at time of premium \\npayment and deducted at time of COI deduction) \\n 20 premium rate by percentage of total COI of contract benefit amount = total \\nunits of contract, for use of SBC\\u2019s only \\n 50 premium rate by flat amount per volume of coverage (percent \\nsubstandard is a percent of first year COI rate) \\n 90 minimum premium \\n 91 maximum premium \\n \\n7. RATEKEY \\nSix position field identifying the set of Rates to access during the calculation of \\npremiums for this plan. The RATEKEY field may be used to allow several plans to \\nreference the same Rate Record as well as allowing a specific set of Rates to be \\nestablished for a specific plan. Valid entry into the RATEKEY field includes: \\nblank when not applicable or \\nany other value (up to six positions) to access a specific set of \\nrates\"",
"file_name": "System Reference-LifeSys System Reference.pdf",
"page_label": "1613"
},
{
"id": "8513ca38-9f93-49da-be9c-d5ccf53565cb",
"text": "\"System Reference Manual \\n \\n \\n \\n\\u00a9 2023 NTT DATA, Inc. | Proprietary and Confidential | July 5, 2024 1618 \\n \\n \\n14. EFFDATE \\n See EFFDATE codes for Plan File Maintenance (95) screen, 100-199/300 record, 3rd \\npage. \\n \\n15. STACKBY \\n See STACKBY codes for Plan File Maintenance (95) screen, 100-199/300 record, 3rd \\npage. \\n \\nNO LAPSE PREMIUM RATING \\u2013 TIER 2 \\n16. METHOD \\nThis field contains a two position code describing the type of premium entry or the basis \\nof the premium entry. The METHOD is used to access the Premium Rate Factor File \\nwhich is available through Rate Maintenance (94) screen. Input is required (in all four \\noccurrences), valid values include: \\n 00 not used \\n 01 premium rate by flat amount per volume of coverage (included in \\nsubstandard premium calculations) \\n 02 first year additional deposit \\n 03 flat annual premium amount \\n 05 expense charge \\n 06 current and guaranteed COI by percentage of total target premium of all \\ninsureds\\u2019 coverages (included in substandard calculations) \\n 07 policy fee plus account value load defined on COI Ruleset \\n 08 pass requested payment amount for external calculation \\n 09 pass initial lump sum for external calculation \\n 10 pass requested payment amount and initial lump sum for external \\ncalculation \\n 11 premium rate by percentage of total premium of an insureds\\u2019 coverages \\n(included in substandard calculations) \\n 13 premium rate by flat amount per volume of coverage (not included in \\nsubstandard premium calculation for substandard type \\u201c30\\u201d). \\n 15 flat amount additional load (added to the fund at time of premium \\npayment and deducted at time of COI deduction) \\n 20 premium rate by percentage of total COI of contract benefit amount = total \\nunits of contract, for use of SBC\\u2019s only \\n 50 premium rate by flat amount per volume of coverage (percent \\nsubstandard is a percent of first year COI rate) \\n 90 minimum premium \\n 91 maximum premium\"",
"file_name": "System Reference-General Maintenance.pdf",
"page_label": "450"
},
{
"id": "043fb444-14b7-4705-aea7-133b8001ecbf",
"text": "\"System Reference Manual \\n \\n \\n \\n\\u00a9 2023 NTT DATA, Inc. | Proprietary and Confidential | July 5, 2024 1618 \\n \\n \\n14. EFFDATE \\n See EFFDATE codes for Plan File Maintenance (95) screen, 100-199/300 record, 3rd \\npage. \\n \\n15. STACKBY \\n See STACKBY codes for Plan File Maintenance (95) screen, 100-199/300 record, 3rd \\npage. \\n \\nNO LAPSE PREMIUM RATING \\u2013 TIER 2 \\n16. METHOD \\nThis field contains a two position code describing the type of premium entry or the basis \\nof the premium entry. The METHOD is used to access the Premium Rate Factor File \\nwhich is available through Rate Maintenance (94) screen. Input is required (in all four \\noccurrences), valid values include: \\n 00 not used \\n 01 premium rate by flat amount per volume of coverage (included in \\nsubstandard premium calculations) \\n 02 first year additional deposit \\n 03 flat annual premium amount \\n 05 expense charge \\n 06 current and guaranteed COI by percentage of total target premium of all \\ninsureds\\u2019 coverages (included in substandard calculations) \\n 07 policy fee plus account value load defined on COI Ruleset \\n 08 pass requested payment amount for external calculation \\n 09 pass initial lump sum for external calculation \\n 10 pass requested payment amount and initial lump sum for external \\ncalculation \\n 11 premium rate by percentage of total premium of an insureds\\u2019 coverages \\n(included in substandard calculations) \\n 13 premium rate by flat amount per volume of coverage (not included in \\nsubstandard premium calculation for substandard type \\u201c30\\u201d). \\n 15 flat amount additional load (added to the fund at time of premium \\npayment and deducted at time of COI deduction) \\n 20 premium rate by percentage of total COI of contract benefit amount = total \\nunits of contract, for use of SBC\\u2019s only \\n 50 premium rate by flat amount per volume of coverage (percent \\nsubstandard is a percent of first year COI rate) \\n 90 minimum premium \\n 91 maximum premium\"",
"file_name": "System Reference-LifeSys System Reference.pdf",
"page_label": "1618"
},
{
"id": "eeb79f92-727f-470e-8449-5b7fc1e456c9",
"text": "\"System Reference Manual \\n \\n \\n \\n\\u00a9 2023 NTT DATA, Inc. | Proprietary and Confidential | July 5, 2024 1590 \\n \\n \\n Three-digit type of Plan Record. Must be \\u201c100\\u201d-\\u201c199\\u201d. \\n \\n4. SUB TYPE \\n Three-digit subtype of Plan Record. Must be \\u201c302\\u201d. \\n \\n5. EFFECTIVE DATE \\n Date Plan Data is in effect. Must be in YYYYMMDD Format. This field cannot be blank. \\n \\nMINIMUM PREMIUM RATING (4 occurrences) \\n6. METHOD \\n Two position code describing the type of premium entry or the basis of the premium \\nentry. The METHOD is used to access the Premium Rate Factor File (available through \\nRate Table Maintenance (94) Screen). Input is required (in all four occurrences), valid \\nvalues include: \\n 00 not used \\n 01 premium rate by flat amount per volume of coverage (included in \\nsubstandard premium calculations) \\n 02 first year additional deposit \\n 03 flat annual premium amount \\n 05 expense charge \\n 07 policy fee plus account value load defined on COI Ruleset \\n 08 pass requested payment amount for external calculation \\n 09 pass initial lump sum for external calculation \\n 10 pass requested payment amount and initial lump sum for external \\ncalculation \\n 11 premium rate by percentage of total premium of an insured\\u2019s coverages \\n(included in substandard premium calculation) \\n 12 minimum and target premium rates by percentage of total contract \\npremium including waiver (and other SBCs), and riders. \\n 13 premium rate by flat amount per volume of coverage (not included in \\nsubstandard premium calculation for substandard type 30) \\n 15 flat amount additional load (added to the fund at time of premium \\npayment and deducted at time of COI deduction) \\n 16 minimum and target premium rate by percentage of total target premium \\nof all insureds\\u2019 coverages excluding waiver \\n 19 premium rate by percentage of total units of contract (include) base + \\nriders for use of SBC only \\n 50 premium rate by flat amount per volume of coverage (percent \\nsubstandard is a percent of first year COI rate)\"",
"file_name": "System Reference-General Maintenance.pdf",
"page_label": "422"
},
{
"id": "56abf75f-57bd-4a16-925d-790740156663",
"text": "\"System Reference Manual \\n \\n \\n \\n\\u00a9 2023 NTT DATA, Inc. | Proprietary and Confidential | July 5, 2024 1590 \\n \\n \\n Three-digit type of Plan Record. Must be \\u201c100\\u201d-\\u201c199\\u201d. \\n \\n4. SUB TYPE \\n Three-digit subtype of Plan Record. Must be \\u201c302\\u201d. \\n \\n5. EFFECTIVE DATE \\n Date Plan Data is in effect. Must be in YYYYMMDD Format. This field cannot be blank. \\n \\nMINIMUM PREMIUM RATING (4 occurrences) \\n6. METHOD \\n Two position code describing the type of premium entry or the basis of the premium \\nentry. The METHOD is used to access the Premium Rate Factor File (available through \\nRate Table Maintenance (94) Screen). Input is required (in all four occurrences), valid \\nvalues include: \\n 00 not used \\n 01 premium rate by flat amount per volume of coverage (included in \\nsubstandard premium calculations) \\n 02 first year additional deposit \\n 03 flat annual premium amount \\n 05 expense charge \\n 07 policy fee plus account value load defined on COI Ruleset \\n 08 pass requested payment amount for external calculation \\n 09 pass initial lump sum for external calculation \\n 10 pass requested payment amount and initial lump sum for external \\ncalculation \\n 11 premium rate by percentage of total premium of an insured\\u2019s coverages \\n(included in substandard premium calculation) \\n 12 minimum and target premium rates by percentage of total contract \\npremium including waiver (and other SBCs), and riders. \\n 13 premium rate by flat amount per volume of coverage (not included in \\nsubstandard premium calculation for substandard type 30) \\n 15 flat amount additional load (added to the fund at time of premium \\npayment and deducted at time of COI deduction) \\n 16 minimum and target premium rate by percentage of total target premium \\nof all insureds\\u2019 coverages excluding waiver \\n 19 premium rate by percentage of total units of contract (include) base + \\nriders for use of SBC only \\n 50 premium rate by flat amount per volume of coverage (percent \\nsubstandard is a percent of first year COI rate)\"",
"file_name": "System Reference-LifeSys System Reference.pdf",
"page_label": "1590"
},
{
"id": "6d3a689f-f68c-483c-b3d4-c090310f456d",
"text": "\"System Reference Manual \\n \\n \\n \\n\\u00a9 2023 NTT DATA, Inc. | Proprietary and Confidential | July 5, 2024 1616 \\n \\n \\n5. EFFECTIVE DATE \\nThis field indicates the date plan data is in effect. This date must be in YYYYMMDD \\nformat. This field cannot be blank. \\n \\nNO LAPSE PREMIUM RATING \\u2013 TIER 1 \\n6. METHOD \\nThis field contains a two position code describing the type of premium entry or the basis \\nof the premium entry. The METHOD is used to access the Premium Rate Factor File \\nwhich is available through Rate Maintenance (94) screen. Input is required (in all four \\noccurrences), valid values include: \\n 00 not used \\n 01 premium rate by flat amount per volume of coverage (included in \\nsubstandard premium calculations) \\n 02 first year additional deposit \\n 03 flat annual premium amount \\n 05 expense charge \\n 06 current and guaranteed COI by percentage of total target premium of all \\ninsureds\\u2019 coverages (included in substandard calculations) \\n 07 policy fee plus account value load defined on COI Ruleset \\n 08 pass requested payment amount for external calculation \\n 09 pass initial lump sum for external calculation \\n 10 pass requested payment amount and initial lump sum for external \\ncalculation \\n 11 premium rate by percentage of total premium of an insureds\\u2019 coverages \\n(included in substandard calculations) \\n 13 premium rate by flat amount per volume of coverage (not included in \\nsubstandard premium calculation for substandard type 30). \\n 15 flat amount additional load (added to the fund at time of premium \\npayment and deducted at time of COI deduction) \\n 20 premium rate by percentage of total COI of contract benefit amount = total \\nunits of contract, for use of SBC\\u2019s only \\n 50 premium rate by flat amount per volume of coverage (percent \\nsubstandard is a percent of first year COI rate) \\n 90 minimum premium \\n 91 maximum premium\"",
"file_name": "System Reference-General Maintenance.pdf",
"page_label": "448"
},
{
"id": "d5beb81b-e182-4c03-a157-8d0077748a3f",
"text": "\"System Reference Manual \\n \\n \\n \\n\\u00a9 2023 NTT DATA, Inc. | Proprietary and Confidential | July 5, 2024 1616 \\n \\n \\n5. EFFECTIVE DATE \\nThis field indicates the date plan data is in effect. This date must be in YYYYMMDD \\nformat. This field cannot be blank. \\n \\nNO LAPSE PREMIUM RATING \\u2013 TIER 1 \\n6. METHOD \\nThis field contains a two position code describing the type of premium entry or the basis \\nof the premium entry. The METHOD is used to access the Premium Rate Factor File \\nwhich is available through Rate Maintenance (94) screen. Input is required (in all four \\noccurrences), valid values include: \\n 00 not used \\n 01 premium rate by flat amount per volume of coverage (included in \\nsubstandard premium calculations) \\n 02 first year additional deposit \\n 03 flat annual premium amount \\n 05 expense charge \\n 06 current and guaranteed COI by percentage of total target premium of all \\ninsureds\\u2019 coverages (included in substandard calculations) \\n 07 policy fee plus account value load defined on COI Ruleset \\n 08 pass requested payment amount for external calculation \\n 09 pass initial lump sum for external calculation \\n 10 pass requested payment amount and initial lump sum for external \\ncalculation \\n 11 premium rate by percentage of total premium of an insureds\\u2019 coverages \\n(included in substandard calculations) \\n 13 premium rate by flat amount per volume of coverage (not included in \\nsubstandard premium calculation for substandard type 30). \\n 15 flat amount additional load (added to the fund at time of premium \\npayment and deducted at time of COI deduction) \\n 20 premium rate by percentage of total COI of contract benefit amount = total \\nunits of contract, for use of SBC\\u2019s only \\n 50 premium rate by flat amount per volume of coverage (percent \\nsubstandard is a percent of first year COI rate) \\n 90 minimum premium \\n 91 maximum premium\"",
"file_name": "System Reference-LifeSys System Reference.pdf",
"page_label": "1616"
}
],
"acceptance_criteria": [
"The system must allow the selection of term lengths of 10 and 20 years during policy creation.",
"The system must calculate the premium based on the selected term length.",
"The system must correctly apply the premium rate factors for 10-year and 20-year term lengths as specified in the rate tables.",
"The system must ensure that the coverage end date is correctly calculated based on the selected term length and the coverage start date.",
"The system must handle leap years correctly when calculating the coverage end date.",
"The system must validate that the coverage start date is not later than the issue date if PROCESSING OPTION 017 is set to '1'.",
"The system must dynamically update the premium amount if the term length is changed before policy issuance.",
"The system must ensure that the premium calculation includes any applicable policy fees and charges as specified in the rate tables.",
"The system must generate accurate policy documents reflecting the selected term length and calculated premium.",
"The system must support the correct processing of premium payments, including monthly, quarterly, semi-annual, and annual modes, for both 10-year and 20-year term lengths."
],
"created_at": "2025-01-28T22:12:01.714Z",
"updated_at": "2025-01-28T22:12:01.714Z"
},
{
"doc_uid": "8f68c38f-3267-47cc-9f3f-6d81f810cee6",
"uid": "a236f34b-e5cd-45b4-b85c-1ec272b169ef",
"ref_id": "CREQ-007 Death Benefit Periods",
"summary": "Add a feature to support multiple death benefit periods of 3 years (36 months), 5 years (60 months), and 10 years (120 months) and ensure these options are correctly displayed on the policy data page.\n\n\n\n**Current client process**:\n\nCurrently, the system does not support multiple death benefit periods and does not display these options on the policy data page. The existing process only allows for a single, fixed death benefit period.",
"references": [],
"acceptance_criteria": [
"The system must allow the selection of death benefit periods of 3 years (36 months), 5 years (60 months), and 10 years (120 months) during policy setup.",
"The system must correctly store the selected death benefit period in the policy database.",
"The system must display the selected death benefit period on the policy data page in a clear and accurate manner.",
"The system must validate that only one of the specified death benefit periods (36, 60, or 120 months) can be selected for each policy.",
"The system must ensure that the death benefit period is correctly reflected in all policy-related documents and reports.",
"The system must handle data input errors gracefully, providing appropriate error messages if an invalid death benefit period is entered.",
"The system must support the ability to update the death benefit period if policy terms are amended, with proper validation and display updates.",
"The system must ensure that any changes to the death benefit period are logged for audit purposes.",
"The system must be tested to ensure that the death benefit period options are correctly integrated with other policy features and calculations, such as premium payments and benefit payouts.",
"The system must provide a user-friendly interface for selecting and displaying the death benefit periods, ensuring ease of use for policy administrators."
],
"created_at": "2025-01-28T22:12:01.714Z",
"updated_at": "2025-01-28T22:12:01.714Z"
},
{
"doc_uid": "8f68c38f-3267-47cc-9f3f-6d81f810cee6",
"uid": "0db467f1-4184-48ab-a6ae-8a12fbc4f4f1",
"ref_id": "CREQ-008 Issue Age Limits",
"summary": "Update the system to enforce issue age limits of 20-60 for 10-year coverage and 20-50 for 20-year coverage to ensure policies are issued only to eligible applicants.\n\n\n\n**Current client process**:\n\nCurrently, the system does not enforce strict age limits for issuing policies, leading to potential eligibility issues and non-compliance with underwriting guidelines.",
"references": [],
"acceptance_criteria": [
"The system must validate the applicant's age at the time of policy application to ensure it falls within the specified range for the selected coverage term.",
"For 10-year coverage, the system must only allow policy issuance if the applicant's age is between 20 and 60 years inclusive.",
"For 20-year coverage, the system must only allow policy issuance if the applicant's age is between 20 and 50 years inclusive.",
"The system must display an error message if the applicant's age does not fall within the specified range for the selected coverage term, preventing policy issuance.",
"The system must log any attempts to issue policies to ineligible applicants for auditing purposes.",
"The system must include age validation checks in both the online application process and manual entry by agents or administrators.",
"The system must update any relevant documentation and user interfaces to reflect the new age limits for policy issuance.",
"The system must ensure that age validation is applied consistently across all platforms (web, mobile, and internal systems).",
"The system must provide training materials and guidelines for agents and administrators to understand the new age limit enforcement."
],
"created_at": "2025-01-28T22:12:01.714Z",
"updated_at": "2025-01-28T22:12:01.714Z"
},
{
"doc_uid": "8f68c38f-3267-47cc-9f3f-6d81f810cee6",
"uid": "cded3a3e-9218-438c-bed3-e79317891b22",
"ref_id": "CREQ-009 Underwriting Classes",
"summary": "Add a feature to accurately track and apply various underwriting classes such as Preferred, Standard No-Tobacco, Preferred Smoker, and Standard Smoker for modeling, valuation, and business purposes.\n\n\n\n**Current client process**:\n\nCurrently, the system does not have a comprehensive mechanism to accurately track and apply various underwriting classes for modeling, valuation, and business purposes. This leads to inconsistencies and potential errors in policy management and risk assessment.",
"references": [
{
"id": "3775fc07-3d1d-42ce-a0be-6cba7aabe180",
"text": "\"System Reference Manual \\n \\n \\n \\n\\u00a9 2023 NTT DATA, Inc. | Proprietary and Confidential | July 5, 2024 153 \\n \\n \\n31. ISS AGE \\n Two-digit issue age, calculated by system. \\n \\n32. EQV.AG \\n Equivalent age for joint insureds when needed. Calculated by the system. \\n \\n33. COUNTRY \\n Six-character country of primary beneficiary. Optional. \\n \\n34. SSN \\n Insured\\u2019s Social Security Number. Optional. \\n \\n35. SEX \\n Insured\\u2019s gender. Required entry: \\n F Female \\n M Male \\n U Unisex \\n \\nAvailability of the value \\u201cU\\u201d is controlled by PROCESSING OPTION 116 on the \\nCompany Options (92/1) screen. \\n \\n36. UW CLASS \\n This field indicates the underwriting class for the Insured. Leave blank when not required \\nby plan file. \\n \\n blank or N non-tobacco \\n S tobacco \\n 1 super preferred non-tobacco \\n 2 preferred plus non-tobacco \\n 3 preferred non-tobacco \\n 4 standard best non-tobacco \\n 5 preferred best non-tobacco \\n 6 super preferred tobacco \\n 7 preferred plus tobacco \\n 8 preferred tobacco \\n 9 standard best tobacco \\n A preferred best tobacco \\n B blended tobacco\"",
"file_name": "System Reference-LifeSys System Reference.pdf",
"page_label": "153"
},
{
"id": "cc22b827-fcd8-4ba7-85c0-877723173eb9",
"text": "\"System Reference Manual \\n \\n \\n \\n\\u00a9 2022 NTT DATA, Inc. | Proprietary and Confidential | April 20 2020 153 \\n \\n \\n31. ISS AGE \\n Two-digit issue age, calculated by system. \\n \\n32. EQV.AG \\n Equivalent age for joint insureds when needed. Calculated by the system. \\n \\n33. COUNTRY \\n Six-character country of primary beneficiary. Optional. \\n \\n34. SSN \\n Insured\\u2019s Social Security Number. Optional. \\n \\n35. SEX \\n Insured\\u2019s gender. Required entry: \\n F Female \\n M Male \\n U Unisex \\n \\nAvailability of the value \\u201cU\\u201d is controlled by PROCESSING OPTION 116 on the \\nCompany Options (92/1) screen. \\n \\n36. UW CLASS \\n This field indicates the underwriting class for the Insured. Leave blank when not required \\nby plan file. \\n \\n blank or N non-tobacco \\n S tobacco \\n 1 super preferred non-tobacco \\n 2 preferred plus non-tobacco \\n 3 preferred non-tobacco \\n 4 standard best non-tobacco \\n 5 preferred best non-tobacco \\n 6 super preferred tobacco \\n 7 preferred plus tobacco \\n 8 preferred tobacco \\n 9 standard best tobacco \\n A preferred best tobacco \\n B blended tobacco\"",
"file_name": "System Reference-New Business.pdf",
"page_label": "102"
},
{
"id": "3775fc07-3d1d-42ce-a0be-6cba7aabe180",
"text": "\"System Reference Manual \\n \\n \\n \\n\\u00a9 2023 NTT DATA, Inc. | Proprietary and Confidential | July 5, 2024 153 \\n \\n \\n31. ISS AGE \\n Two-digit issue age, calculated by system. \\n \\n32. EQV.AG \\n Equivalent age for joint insureds when needed. Calculated by the system. \\n \\n33. COUNTRY \\n Six-character country of primary beneficiary. Optional. \\n \\n34. SSN \\n Insured\\u2019s Social Security Number. Optional. \\n \\n35. SEX \\n Insured\\u2019s gender. Required entry: \\n F Female \\n M Male \\n U Unisex \\n \\nAvailability of the value \\u201cU\\u201d is controlled by PROCESSING OPTION 116 on the \\nCompany Options (92/1) screen. \\n \\n36. UW CLASS \\n This field indicates the underwriting class for the Insured. Leave blank when not required \\nby plan file. \\n \\n blank or N non-tobacco \\n S tobacco \\n 1 super preferred non-tobacco \\n 2 preferred plus non-tobacco \\n 3 preferred non-tobacco \\n 4 standard best non-tobacco \\n 5 preferred best non-tobacco \\n 6 super preferred tobacco \\n 7 preferred plus tobacco \\n 8 preferred tobacco \\n 9 standard best tobacco \\n A preferred best tobacco \\n B blended tobacco\"",
"file_name": "System Reference-LifeSys System Reference.pdf",
"page_label": "153"
},
{
"id": "cc22b827-fcd8-4ba7-85c0-877723173eb9",
"text": "\"System Reference Manual \\n \\n \\n \\n\\u00a9 2022 NTT DATA, Inc. | Proprietary and Confidential | April 20 2020 153 \\n \\n \\n31. ISS AGE \\n Two-digit issue age, calculated by system. \\n \\n32. EQV.AG \\n Equivalent age for joint insureds when needed. Calculated by the system. \\n \\n33. COUNTRY \\n Six-character country of primary beneficiary. Optional. \\n \\n34. SSN \\n Insured\\u2019s Social Security Number. Optional. \\n \\n35. SEX \\n Insured\\u2019s gender. Required entry: \\n F Female \\n M Male \\n U Unisex \\n \\nAvailability of the value \\u201cU\\u201d is controlled by PROCESSING OPTION 116 on the \\nCompany Options (92/1) screen. \\n \\n36. UW CLASS \\n This field indicates the underwriting class for the Insured. Leave blank when not required \\nby plan file. \\n \\n blank or N non-tobacco \\n S tobacco \\n 1 super preferred non-tobacco \\n 2 preferred plus non-tobacco \\n 3 preferred non-tobacco \\n 4 standard best non-tobacco \\n 5 preferred best non-tobacco \\n 6 super preferred tobacco \\n 7 preferred plus tobacco \\n 8 preferred tobacco \\n 9 standard best tobacco \\n A preferred best tobacco \\n B blended tobacco\"",
"file_name": "System Reference-New Business.pdf",
"page_label": "102"
},
{
"id": "3775fc07-3d1d-42ce-a0be-6cba7aabe180",
"text": "\"System Reference Manual \\n \\n \\n \\n\\u00a9 2023 NTT DATA, Inc. | Proprietary and Confidential | July 5, 2024 153 \\n \\n \\n31. ISS AGE \\n Two-digit issue age, calculated by system. \\n \\n32. EQV.AG \\n Equivalent age for joint insureds when needed. Calculated by the system. \\n \\n33. COUNTRY \\n Six-character country of primary beneficiary. Optional. \\n \\n34. SSN \\n Insured\\u2019s Social Security Number. Optional. \\n \\n35. SEX \\n Insured\\u2019s gender. Required entry: \\n F Female \\n M Male \\n U Unisex \\n \\nAvailability of the value \\u201cU\\u201d is controlled by PROCESSING OPTION 116 on the \\nCompany Options (92/1) screen. \\n \\n36. UW CLASS \\n This field indicates the underwriting class for the Insured. Leave blank when not required \\nby plan file. \\n \\n blank or N non-tobacco \\n S tobacco \\n 1 super preferred non-tobacco \\n 2 preferred plus non-tobacco \\n 3 preferred non-tobacco \\n 4 standard best non-tobacco \\n 5 preferred best non-tobacco \\n 6 super preferred tobacco \\n 7 preferred plus tobacco \\n 8 preferred tobacco \\n 9 standard best tobacco \\n A preferred best tobacco \\n B blended tobacco\"",
"file_name": "System Reference-LifeSys System Reference.pdf",
"page_label": "153"
},
{
"id": "cc22b827-fcd8-4ba7-85c0-877723173eb9",
"text": "\"System Reference Manual \\n \\n \\n \\n\\u00a9 2022 NTT DATA, Inc. | Proprietary and Confidential | April 20 2020 153 \\n \\n \\n31. ISS AGE \\n Two-digit issue age, calculated by system. \\n \\n32. EQV.AG \\n Equivalent age for joint insureds when needed. Calculated by the system. \\n \\n33. COUNTRY \\n Six-character country of primary beneficiary. Optional. \\n \\n34. SSN \\n Insured\\u2019s Social Security Number. Optional. \\n \\n35. SEX \\n Insured\\u2019s gender. Required entry: \\n F Female \\n M Male \\n U Unisex \\n \\nAvailability of the value \\u201cU\\u201d is controlled by PROCESSING OPTION 116 on the \\nCompany Options (92/1) screen. \\n \\n36. UW CLASS \\n This field indicates the underwriting class for the Insured. Leave blank when not required \\nby plan file. \\n \\n blank or N non-tobacco \\n S tobacco \\n 1 super preferred non-tobacco \\n 2 preferred plus non-tobacco \\n 3 preferred non-tobacco \\n 4 standard best non-tobacco \\n 5 preferred best non-tobacco \\n 6 super preferred tobacco \\n 7 preferred plus tobacco \\n 8 preferred tobacco \\n 9 standard best tobacco \\n A preferred best tobacco \\n B blended tobacco\"",
"file_name": "System Reference-New Business.pdf",
"page_label": "102"
}
],
"acceptance_criteria": [
"The system must allow entry of underwriting classes as specified: Preferred, Standard No-Tobacco, Preferred Smoker, and Standard Smoker.",
"The system must validate the underwriting class entry against predefined values to ensure data integrity.",
"The system must accurately apply the underwriting class in all relevant calculations, including premium calculations, risk assessments, and policy valuations.",
"The system must ensure that the underwriting class is correctly stored and retrievable for each insured individual.",
"The system must support reporting functionalities that include underwriting class as a filter and grouping criterion.",
"The system must handle updates to underwriting classes and reflect these changes in all dependent calculations and reports.",
"The system must ensure that any changes to underwriting classes are logged with timestamps and user information for audit purposes.",
"The system must integrate with existing modules to ensure that underwriting class data is consistently used across all business processes.",
"The system must provide user roles with appropriate permissions to view, add, update, and delete underwriting class information.",
"The system must include validation rules to ensure that only valid combinations of underwriting class and other related fields (e.g., gender, age) are allowed.",
"The system must ensure that underwriting class data is included in data exports and imports, maintaining data integrity across systems.",
"The system must provide a user-friendly interface for entering and managing underwriting class information, with clear instructions and error messages."
],
"created_at": "2025-01-28T22:12:01.714Z",
"updated_at": "2025-01-28T22:12:01.714Z"
},
{
"doc_uid": "8f68c38f-3267-47cc-9f3f-6d81f810cee6",
"uid": "cba12473-f491-42bf-80ac-60e5fcffd7ac",
"ref_id": "CREQ-010 Coverage Amount",
"summary": "Add a feature to calculate and display coverage amounts correctly as a stream of benefits paid monthly over the chosen benefit period or as a one-sum payment.\n\n\n\n**Current client process**:\n\nCurrently, the system does not have a mechanism to accurately calculate and display coverage amounts as a stream of benefits paid monthly over the chosen benefit period or as a one-sum payment.",
"references": [
{
"id": "770a4ae3-85db-4d0c-b00d-eb585aa4a9a7",
"text": "\"System Reference Manual \\n \\n \\n \\n\\u00a9 2023 NTT DATA, Inc. | Proprietary and Confidential | July 5, 2024 318 \\n \\n \\n16. COV DESC. (D) \\n This field contains a description referring to the covered individuals. Controlled by the \\nSupplemental Coverage Ruleset Screen. \\n \\n17. BENEFIT (R) \\n This value is the face amount of coverage for the specified period. \\n \\nThe benefit amount is included in the death benefit when the description is defined as a \\nCost of Living Adjustment (COLA). \\n \\n18. UNITS (D) \\n This value is the units of coverage on the additional benefit. \\n \\n19. PREMIUM (D) \\n This value is the amount of benefit premium for the specified coverage period. This field \\nis required for Policy Administration, and will be calculated for New Business. \\n \\n20. BEG DATE (D) \\n This date is the beginning date of the coverage period in MMDDYYYY format. \\n \\n21. END DATE (D) \\n This date is the ending date of the coverage period in MMDDYYYY format. \\n \\nDuplicate Coverage for SSN section: \\n22. SSN (D) \\n This field contains the social security number of the insured or policy owner with \\nduplicate coverage. \\n \\n23. POLICYID (D) \\n This field contains the duplicate coverage policy ID. Ten-position field including rider \\ncode. \\n \\n24. TYPE (D) \\n Duplicate coverage type. Three digit code referring to the type of coverage. Valid types \\nare controlled by the Supplemental Coverage Ruleset Screen and are user defined. \\n \\n25. COVRULE (D) \\n Duplicate coverage Ruleset name. Controlled by the Supplemental Coverage Ruleset \\nScreen.\"",
"file_name": "System Reference-LifeSys System Reference.pdf",
"page_label": "318"
},
{
"id": "9608100c-b73d-41ed-94d7-833a9d3f7f2a",
"text": "\"System Reference Manual \\n \\n \\n \\n\\u00a9 2022 NTT DATA, Inc. | Proprietary and Confidential | April 20 2020 316 \\n \\n \\n16. COV DESC. (D) \\n This field contains a description referring to the covered individuals. Controlled by the \\nSupplemental Coverage Ruleset Screen. \\n \\n17. BENEFIT (R) \\n This value is the face amount of coverage for the specified period. \\n \\nThe benefit amount is included in the death benefit when the description is defined as a \\nCost of Living Adjustment (COLA). \\n \\n18. UNITS (D) \\n This value is the units of coverage on the additional benefit. \\n \\n19. PREMIUM (D) \\n This value is the amount of benefit premium for the specified coverage period. This field \\nis required for Policy Administration, and will be calculated for New Business. \\n \\n20. BEG DATE (D) \\n This date is the beginning date of the coverage period in MMDDYYYY format. \\n \\n21. END DATE (D) \\n This date is the ending date of the coverage period in MMDDYYYY format. \\n \\nDuplicate Coverage for SSN section: \\n22. SSN (D) \\n This field contains the social security number of the insured or policy owner with \\nduplicate coverage. \\n \\n23. POLICYID (D) \\n This field contains the duplicate coverage policy ID. Ten-position field including rider \\ncode. \\n \\n24. TYPE (D) \\n Duplicate coverage type. Three digit code referring to the type of coverage. Valid types \\nare controlled by the Supplemental Coverage Ruleset Screen and are user defined. \\n \\n25. COVRULE (D) \\n Duplicate coverage Ruleset name. Controlled by the Supplemental Coverage Ruleset \\nScreen.\"",
"file_name": "System Reference-Policy Maintenance.pdf",
"page_label": "121"
},
{
"id": "5d2aafd7-9f6e-4455-a78f-8526ae560322",
"text": "\"System Reference Manual \\n \\n \\n \\n\\u00a9 2022 NTT DATA, Inc. | Proprietary and Confidential | April 20 2020 315 \\n \\n \\n7. DUE DATE (D) \\n This field indicates the date premiums for the policy are due in MMDDYYYY format. \\n \\n8. MODE (D) \\n Two-digit code for premium billing frequency. Refer to Policy Payment Mode table in the \\nGeneral Information manual. \\n \\n9. UNITS (D) \\n This field indicates the units of coverage on the base policy. \\n \\n10. ELIM PERIOD ACC (D) \\n Accident elimination period. \\n \\n11. ELIM PERIOD SICK (D) \\n Sickness elimination period. \\n \\n12. BASIC (D) \\n Basic premium amount for the coverage period. \\n \\n13. PC (D) \\n Two-digit Payment/Collection code. Refer to the Policy Payment Code table in the \\nGeneral Information Manual. \\n \\n13. FACE (D) \\n This value is the base policy face amount. \\n \\n14. TYP (R) \\n This is a three digit code referring to the type of coverage. Valid types are controlled by \\nthe Supplemental Coverage Ruleset Screen and are user-defined. \\n \\n15. BENEFIT DESC. (D) \\n This field contains a description referring to the type of coverage. Controlled by the \\nSupplemental Coverage Ruleset Screen. \\n \\nThe benefit amount is included in the death benefit when the description is defined as a \\nCost of Living Adjustment (COLA).\"",
"file_name": "System Reference-Policy Maintenance.pdf",
"page_label": "120"
},
{
"id": "8754f230-1b17-411c-a91c-6a677b4d2dea",
"text": "\"002 - use CVAT factors for death benefit calculations and TEFRA/DEFRA factors for NAR in the COI calculations.\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u000726 - CVAT PREM LIMIT. Valid values are:\\r\\\"001\\\" Do not limit premiums based on CVAT. \\r\\\"002\\\" Limit premiums based on CVAT. Do not increase death benefit.\\r003 Do not limit premiums based on CVAT. Display a warning message and increase the death benefit.\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u000727 GUIDELINE PREMIUM RECALCULATION CODE. Valid values are:\\r001 not required\\r002 Recalculate guideline premiums using cash value retrospective method\\r003 Recalculate guideline premiums using the Dole-Bentsen prospective method\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u000728 - cash with application requirement code. Valid values are:\\r\\\"001\\\" - Full cash with application required\\r\\\"002\\\" - Full cash with application not required\\r003 - Full cash with application not required, but will generate order (50/0001) when short\\r004 - full cash with application not required, will not generate any refund, long or short orders\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\t\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u000729 GUIDELINE PREMIUM CALCULATION CODE\\r001 Not required\\r002 Calculate guideline premiums using the projection method\\r003 Calculate guideline premiums using the direct method\\r\\r30 - Currently not in use. Must be 001.\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u000731 - substandard rating on plan validity code. Valid values are:\\r\\\"001\\\" - substandard rating allowed on plan\\r\\\"002\\\" - substandard rating not allowed on plan\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\\"003\\\" - substandard rating required on plan\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u000732 TERM CONV CREDIT ALLOWED\\r001 suppress the CNV CREDIT field on the 06 screen\\r002 display and allow entry in the CNV CREDIT field on the 06 screen\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u000733 - Currently not in use. Must be 001.\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u000734 - insured's issue age calculation method code. Valid values are:\\r\\\"001\\\" - age nearest birthday\\r\\\"002\\\" - age last birthday\\r\\\"003\\\" - age next birthday\\r\\\"004\\\" - equivalent age, using insureds age nearest birthday\\r\\\"005\\\" - equivalent age, using insureds age last birthday\\r\\\"006\\\" - equivalent age, using insureds age next birthday\\r\\\"007\\\" - not required\\r\\\"008\\\" - age last birthday, attained age calculation uses date of birth\\r009 control is on group issue age controls screen\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u000735 PERSON CONTROL. \\rValid values are:\\r001 Not applicable, blank is not a suitable setting for this as the plan file defaults options to\\r002 Issue age is based on the older owner (or older annuitant if the owner of an entity)\\r003 Issue age is based on the younger owner (or younger annuitant if the owner is an entity)\\r004 Issue age is the oldest of the youngest (determine the younger annuitant, determine younger owner, issue age is the older of the two younger ages\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u000736 - coverage amount definition code. Valid values are:\\r\\\"001\\\" - coverage amount defined in units for use with base/rider plans only \\r\\\"002\\\" - coverage amount defined by face amount for use with base/rider plans only \\r\\\"003\\\" - coverage amount defined in units. For use with SBCs only. (one unit = base coverage face amount)\\r\\\"004\\\" - coverage amount defined in units. For use with SBCs only. (one unit = base coverage annual premium)\\r\\\"005\\\" - UL/ISWL coverage amount calculation. This coverage type checks guideline premium compliance for death benefit options one and two only. The other types do not check for compliance. Death benefit varies by death benefit option. See death benefit option field, CURR OPT on the Universal Life Face Amount Maintenance (21/7) screen for more information on this field.\\r\\\"006\\\" - coverage amount defined by face amount for use with SBC. Face amount = one unit.\\r007 - coverage amount defined in units. For use with SBCs only. (One unit = base coverage net amount at risk).\\r008 For premium: Coverage amount defined by face amount.\""
},
{
"id": "27f25278-086a-4ab5-8c2d-d57b0cb998c4",
"text": "\"System Reference Manual \\n \\n \\n \\n\\u00a9 2023 NTT DATA, Inc. | Proprietary and Confidential | July 5, 2024 317 \\n \\n \\n7. DUE DATE (D) \\n This field indicates the date premiums for the policy are due in MMDDYYYY format. \\n \\n8. MODE (D) \\n Two-digit code for premium billing frequency. Refer to Policy Payment Mode table in the \\nGeneral Information manual. \\n \\n9. UNITS (D) \\n This field indicates the units of coverage on the base policy. \\n \\n10. ELIM PERIOD ACC (D) \\n Accident elimination period. \\n \\n11. ELIM PERIOD SICK (D) \\n Sickness elimination period. \\n \\n12. BASIC (D) \\n Basic premium amount for the coverage period. \\n \\n13. PC (D) \\n Two-digit Payment/Collection code. Refer to the Policy Payment Code table in the \\nGeneral Information Manual. \\n \\n13. FACE (D) \\n This value is the base policy face amount. \\n \\n14. TYP (R) \\n This is a three digit code referring to the type of coverage. Valid types are controlled by \\nthe Supplemental Coverage Ruleset Screen and are user-defined. \\n \\n15. BENEFIT DESC. (D) \\n This field contains a description referring to the type of coverage. Controlled by the \\nSupplemental Coverage Ruleset Screen. \\n \\nThe benefit amount is included in the death benefit when the description is defined as a \\nCost of Living Adjustment (COLA).\"",
"file_name": "System Reference-LifeSys System Reference.pdf",
"page_label": "317"
},
{
"id": "28c7f1d0-0828-44bb-9b43-f4e988f96e28",
"text": "\"Valid values are:\\r\\\"A\\\" - specified by age\\r\\\"M\\\" - specified in months\\u0007X.\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007 57O.\\u0007ACC-BEN-N1\\rBenefit period for accident occurrence one.\\u0007S9(3).\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007 57P.\\u0007SICK-BENRULE-N1\\rSickness benefit period rule occurrence one. Valid values are:\\r\\\"A\\\" - specified by age\\r\\\"M\\\" - specified in months\\u0007X.\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007 57Q.\\u0007SICK-BEN-N1\\rBenefit period for sickness occurrence one.\\u0007S9(3).\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007 57R.\\u0007SICK-ELIM-N1\\rElimination period for sickness occurrence one.\\u0007S9(3).\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007 57S.\\u0007ACC-ELIM-N1\\rElimnation period for accident in days.\\u0007S9(3).\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007 57T.\\u0007MIN-PREM-N1\\rFirst premium due when different than first mode premium, occurrence one.\\u0007S9(7)V99 C3.\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007 57U.\\u0007MOD-PREM-N1\\rModal coverage premium occurrence one.\\u0007S9(7)V99 C3.\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007 57V1.\\u0007PREMS-N1\\rThe following is a table of four occurrences of fields \\\"PREM-N1\\\" through \\\"PREMTYPE-N1\\\", for X(7) per occurrence. These fields occur four times within the larger table of ten occurrences.\\u0007X(28).\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007 57V2.\\u0007PREM-N1\\rPremium amount occurrence one.\\u0007S9(7)V99 C3.\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u000757V3.\\u0007PREMTYPE-N1\\rPremium type occurrence one. Valid values are:\\r\\\"00\\\" - not used\\u000799.\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\\"01\\\" - annual coverage premium. Rate by flat amount per volume\\r\\\"02\\\" - first year additional deposit\\r\\\"03\\\" - load percentage rate\\r\\\"04\\\" - add-on rate\\r\\\"05\\\" - expense charge rate\\r\\\"06\\\" - premium rate by percentage of total premium of all insured's coverage\\r\\\"07\\\" - policy fee\\r\\\"08\\\" - pass requested payment amount for external calculation\\r\\\"09\\\" - pass initial lump sum for external calculation\\r\\\"10\\\" - pass requested payment amount and initial lump sum for external calculation\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\\"11\\\" - premium rate by percentage of total premium of an insureds' coverages\\r\\\"12\\\" - first year minimum premium. Calculated as ((COI + surrender) / (1 - Front End Load)) - COI - policy fee\\r\\\"13\\\" - premium rate by flat amount per volume of coverage, like method 01 except not included in substandard premium calculation\\r\\\"14\\\" - mode policy fee\\r\\\"15\\\" - first minimum premium due. The greater of (annual requested payment + initial lump sum requested / minimum premium payment period) and total annual COI premium, modalized by bill code\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\\"16\\\" - premium rate by percentage of total target premium of all insureds' coverages\\r\\\"90\\\" - minimum premium\\r\\\"91\\\" - maximum premium\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007 57V4.\\u0007Entry occurrences 2-4 of fields \\\"PREM-N1\\\" above, for X(7) per occurrence. These occurrences are within the larger table of ten occurrences.\\u0007X(21).\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007 57W.\\u0007COVERAGE-SUBSTAN-N1\\rThe following is a table of two occurrences of fields \\\"SS-TYPE-N1\\\" through \\\"SS-PREM-N1\\\", and the reserved space after, for X(25) per occurrence. These fields occur two times within the larger table of ten occurrences.\\u0007X(50).\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u000757W1.\\u0007SS-TYPE-N1\\rUnderwriting substandard rating decision occurrence one.\""
},
{
"id": "30245a23-eba9-4e7a-8d55-cfb7e8cdd073",
"text": "\"System Reference Manual \\n \\n \\n \\n\\u00a9 2023 NTT DATA, Inc. | Proprietary and Confidential | July 5, 2024 1604 \\n \\n \\n4. SUB TYPE \\n Three-digit SUB TYPE of Plan Record. Must be \\u201c302\\u201d. \\n \\n5. EFFECTIVE DATE \\n Date Plan Data is in effect. Must be in YYYYMMDD format. This field cannot be blank \\nnot allowed. \\n \\nGUARANTEED COI RATING (4 occurrences) \\n6. METHOD \\n Two position code describing the type of premium entry or the basis of the premium \\nentry. The METHOD is used to access the Premium Rate Factor File (available through \\nScreen 94). Input is required (in all four occurrences), valid values include: \\n 00 not used \\n 01 premium rate by flat amount per volume of coverage (included in \\nsubstandard premium calculations) \\n 02 first year additional deposit \\n 03 flat annual premium amount \\n 05 expense charge \\n 06 current and guaranteed COI by percentage of total target premium of all \\ninsureds\\u2019 coverages (included in substandard calculations) \\n 07 policy fee plus account value load defined on COI Ruleset \\n 08 pass requested payment amount for external calculation \\n 09 pass initial lump sum for external calculation \\n 10 pass requested payment amount and initial lump sum for external \\ncalculation \\n 11 premium rate by percentage of total premium of an insured\\u2019s coverages \\n(included in substandard calculations) \\n 13 premium rate by flat amount per volume of coverage (not included in \\nsubstandard premium calculation for substandard type 30) \\n 15 flat amount additional load (added to the fund at time of premium \\npayment and deducted at time of COI deduction) \\n20 premium rate by percentage of total COI of contract benefit amount = total \\nunits of contract, for use of SBCs only. SBC 20s benefit is total COI units \\non contract. \\n21 premium rate by percentage of total COI of contract benefit amount = total \\nunits of contract, for use of SBCs only. SBC 20s benefit is total COI on \\ncontract. \\n 50 premium rate by flat amount per volume of coverage (percent \\nsubstandard is a percent of first year COI rate) \\n 90 minimum premium\"",
"file_name": "System Reference-LifeSys System Reference.pdf",
"page_label": "1604"
},
{
"id": "6f8c073a-3320-4a69-aa1c-c3ad3902d0b7",
"text": "\"System Reference Manual \\n \\n \\n \\n\\u00a9 2023 NTT DATA, Inc. | Proprietary and Confidential | July 5, 2024 1604 \\n \\n \\n4. SUB TYPE \\n Three-digit SUB TYPE of Plan Record. Must be \\u201c302\\u201d. \\n \\n5. EFFECTIVE DATE \\n Date Plan Data is in effect. Must be in YYYYMMDD format. This field cannot be blank \\nnot allowed. \\n \\nGUARANTEED COI RATING (4 occurrences) \\n6. METHOD \\n Two position code describing the type of premium entry or the basis of the premium \\nentry. The METHOD is used to access the Premium Rate Factor File (available through \\nScreen 94). Input is required (in all four occurrences), valid values include: \\n 00 not used \\n 01 premium rate by flat amount per volume of coverage (included in \\nsubstandard premium calculations) \\n 02 first year additional deposit \\n 03 flat annual premium amount \\n 05 expense charge \\n 06 current and guaranteed COI by percentage of total target premium of all \\ninsureds\\u2019 coverages (included in substandard calculations) \\n 07 policy fee plus account value load defined on COI Ruleset \\n 08 pass requested payment amount for external calculation \\n 09 pass initial lump sum for external calculation \\n 10 pass requested payment amount and initial lump sum for external \\ncalculation \\n 11 premium rate by percentage of total premium of an insured\\u2019s coverages \\n(included in substandard calculations) \\n 13 premium rate by flat amount per volume of coverage (not included in \\nsubstandard premium calculation for substandard type 30) \\n 15 flat amount additional load (added to the fund at time of premium \\npayment and deducted at time of COI deduction) \\n20 premium rate by percentage of total COI of contract benefit amount = total \\nunits of contract, for use of SBCs only. SBC 20s benefit is total COI units \\non contract. \\n21 premium rate by percentage of total COI of contract benefit amount = total \\nunits of contract, for use of SBCs only. SBC 20s benefit is total COI on \\ncontract. \\n 50 premium rate by flat amount per volume of coverage (percent \\nsubstandard is a percent of first year COI rate) \\n 90 minimum premium\"",
"file_name": "System Reference-General Maintenance.pdf",
"page_label": "436"
},
{
"id": "c1d8a023-ded4-41a8-9c06-10a65f5d3507",
"text": "\"Valid values are:\\r\\\"001\\\" - not required\\r\\\"002\\\" - use method = c (bom, pac, eft) and mode = 4 (quarterly)\\r\\\"003\\\" - use method = d (salsa) and mode = 4 (quarterly)\\r\\\"004\\\" - use method = 02 and mode = 12 (monthly)\\r\\\"005\\\" - use method = 05 and mode = 12 (monthly)\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007100 - guaranteed premium code. Valid values are:\\r\\\"001\\\" - not required\\r\\\"002\\\" - calculate guaranteed premium\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007101 - guideline premium calculation code. Valid values are:\\r\\\"001\\\" - not required\\r\\\"002\\\" - calculate guideline premium\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007102 - surrender charge premium code. Valid values are:\\r\\\"001\\\" - not required\\r\\\"002\\\" - calculate surrender charge premium\\r003 equals target premium\\r004 equals minimum premium\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007103 - face amount/monthly benefit or units printing on policy pages code. Valid values are:\\r\\\"001\\\" - not required or don't print\\r\\\"002\\\" - print face amount/monthly benefit on policy pages\\r\\\"003\\\" - print units on policy pages\\r\\\"004\\\" - print ultimate face amount/monthly benefit on policy pages from face amount field\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007104 - annual premium/cost of benefit printing on policy pages code. Valid values are:\\r\\\"001\\\" - not required or don't print\\r\\\"002\\\" - print annual premium on policy pages\\r\\\"003\\\" - print cost of benefit as a percentage = annual premium of prior coverage/annual premium of this coverage rounded (.0758 would be printed as 7.6%)\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007105 - special wording for percent of monthly deduction on policy pages code. Valid values are:\\r\\\"001\\\" - not required\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\\"002\\\" - print message *percent of monthly deduction - see monthly deduction rider for explanation. on policy pages (printed in connection with occurrence 104 code \\\"003\\\")\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007106 - critical/change date wording on conversion to policy system code. Note that these values are actually used in NBS299 which stores the actual message and applies it to the CG. Valid values are:\\r001 - not required\\r002 - use message APPLY PREMIUM CHARGE\\r003 - use message FUND REINVESTMENT\\r004 - use message ROP BENEFIT PAYOUT\\r005 - use message MAKE RSA, CHG PLAN OPT AND BLK\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007107 - set critical/change date based on the following method code. Valid values are:\\r001 - not required\\r002 - advance issue date by number of years specified in occurrence 108\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007108 - value for calculating critical/change date. This field contains any numeric value when used. Initialization of one is acceptable.\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007109 GI AMT\\rThis field contains a three-digit code used to determine if a check should be performed to determine if GI (guaranteed issue) limits have been exceeded before validating the height/weight limits. Valid values are:\\r001 Not required\\r002 - Required\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007109110 - Currently not in use. Must be 001.\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007111 - cost index indicator code. Valid values are:\\r\\\"001\\\" - not required\\r\\\"002\\\" - calculate cost index\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007112 - schedule of total premium calculation on policy pages code. Used for annual, semi-annual and quarterly premiums only. Valid values are:\\r\\\"001\\\" - not required\\r\\\"002\\\" - calculate using policy billing method.\\r\\\"003\\\" - calculate using \\\"01\\\" billing method as a substitute method.\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007113115 - Currently not in use. Must be 001.\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007116 - Minimum premium payment period amount.\""
},
{
"id": "7ca0620c-a9b9-4e6f-b0f7-5006337ca8e5",
"text": "\"System Reference Manual \\n \\n \\n \\n\\u00a9 2023 NTT DATA, Inc. | Proprietary and Confidential | July 5, 2024 1622 \\n \\n \\n5. EFFECTIVE DATE \\nDate plan data is in effect. Must be in YYYYMMDD format. Spaces not allowed. \\n \\nNO LAPSE PREMIUM RATING \\u2013 TIER 3 \\n6. METHOD \\nThis field contains a two position code describing the type of premium entry or the basis \\nof the premium entry. The METHOD is used to access the Premium Rate Factor File \\nwhich is available through Rate Maintenance (94) screen. Input is required (in all four \\noccurrences), valid values include: \\n 00 not used \\n 01 premium rate by flat amount per volume of coverage (included in \\nsubstandard premium calculations) \\n 02 first year additional deposit \\n 03 flat annual premium amount \\n 05 expense charge \\n 06 current and guaranteed COI by percentage of total target premium of all \\ninsureds\\u2019 coverages (included in substandard calculations) \\n 07 policy fee plus account value load defined on COI Ruleset \\n 08 pass requested payment amount for external calculation \\n 09 pass initial lump sum for external calculation \\n 10 pass requested payment amount and initial lump sum for external \\ncalculation \\n 11 premium rate by percentage of total premium of an insureds\\u2019 coverages \\n(included in substandard calculations) \\n 13 premium rate by flat amount per volume of coverage (not included in \\nsubstandard premium calculation for substandard type 30). \\n 15 flat amount additional load (added to the fund at time of premium \\npayment and deducted at time of COI deduction) \\n 20 premium rate by percentage of total COI of contract benefit amount = total \\nunits of contract, for use of SBC\\u2019s only \\n 50 premium rate by flat amount per volume of coverage (percent \\nsubstandard is a percent of first year COI rate) \\n 90 minimum premium \\n 91 maximum premium\"",
"file_name": "System Reference-LifeSys System Reference.pdf",
"page_label": "1622"
},
{
"id": "97eee4ef-0d38-47fb-9f51-c663989442a9",
"text": "\"System Reference Manual \\n \\n \\n \\n\\u00a9 2023 NTT DATA, Inc. | Proprietary and Confidential | July 5, 2024 1622 \\n \\n \\n5. EFFECTIVE DATE \\nDate plan data is in effect. Must be in YYYYMMDD format. Spaces not allowed. \\n \\nNO LAPSE PREMIUM RATING \\u2013 TIER 3 \\n6. METHOD \\nThis field contains a two position code describing the type of premium entry or the basis \\nof the premium entry. The METHOD is used to access the Premium Rate Factor File \\nwhich is available through Rate Maintenance (94) screen. Input is required (in all four \\noccurrences), valid values include: \\n 00 not used \\n 01 premium rate by flat amount per volume of coverage (included in \\nsubstandard premium calculations) \\n 02 first year additional deposit \\n 03 flat annual premium amount \\n 05 expense charge \\n 06 current and guaranteed COI by percentage of total target premium of all \\ninsureds\\u2019 coverages (included in substandard calculations) \\n 07 policy fee plus account value load defined on COI Ruleset \\n 08 pass requested payment amount for external calculation \\n 09 pass initial lump sum for external calculation \\n 10 pass requested payment amount and initial lump sum for external \\ncalculation \\n 11 premium rate by percentage of total premium of an insureds\\u2019 coverages \\n(included in substandard calculations) \\n 13 premium rate by flat amount per volume of coverage (not included in \\nsubstandard premium calculation for substandard type 30). \\n 15 flat amount additional load (added to the fund at time of premium \\npayment and deducted at time of COI deduction) \\n 20 premium rate by percentage of total COI of contract benefit amount = total \\nunits of contract, for use of SBC\\u2019s only \\n 50 premium rate by flat amount per volume of coverage (percent \\nsubstandard is a percent of first year COI rate) \\n 90 minimum premium \\n 91 maximum premium\"",
"file_name": "System Reference-General Maintenance.pdf",
"page_label": "454"
},
{
"id": "043fb444-14b7-4705-aea7-133b8001ecbf",
"text": "\"System Reference Manual \\n \\n \\n \\n\\u00a9 2023 NTT DATA, Inc. | Proprietary and Confidential | July 5, 2024 1618 \\n \\n \\n14. EFFDATE \\n See EFFDATE codes for Plan File Maintenance (95) screen, 100-199/300 record, 3rd \\npage. \\n \\n15. STACKBY \\n See STACKBY codes for Plan File Maintenance (95) screen, 100-199/300 record, 3rd \\npage. \\n \\nNO LAPSE PREMIUM RATING \\u2013 TIER 2 \\n16. METHOD \\nThis field contains a two position code describing the type of premium entry or the basis \\nof the premium entry. The METHOD is used to access the Premium Rate Factor File \\nwhich is available through Rate Maintenance (94) screen. Input is required (in all four \\noccurrences), valid values include: \\n 00 not used \\n 01 premium rate by flat amount per volume of coverage (included in \\nsubstandard premium calculations) \\n 02 first year additional deposit \\n 03 flat annual premium amount \\n 05 expense charge \\n 06 current and guaranteed COI by percentage of total target premium of all \\ninsureds\\u2019 coverages (included in substandard calculations) \\n 07 policy fee plus account value load defined on COI Ruleset \\n 08 pass requested payment amount for external calculation \\n 09 pass initial lump sum for external calculation \\n 10 pass requested payment amount and initial lump sum for external \\ncalculation \\n 11 premium rate by percentage of total premium of an insureds\\u2019 coverages \\n(included in substandard calculations) \\n 13 premium rate by flat amount per volume of coverage (not included in \\nsubstandard premium calculation for substandard type \\u201c30\\u201d). \\n 15 flat amount additional load (added to the fund at time of premium \\npayment and deducted at time of COI deduction) \\n 20 premium rate by percentage of total COI of contract benefit amount = total \\nunits of contract, for use of SBC\\u2019s only \\n 50 premium rate by flat amount per volume of coverage (percent \\nsubstandard is a percent of first year COI rate) \\n 90 minimum premium \\n 91 maximum premium\"",
"file_name": "System Reference-LifeSys System Reference.pdf",
"page_label": "1618"
},
{
"id": "8513ca38-9f93-49da-be9c-d5ccf53565cb",
"text": "\"System Reference Manual \\n \\n \\n \\n\\u00a9 2023 NTT DATA, Inc. | Proprietary and Confidential | July 5, 2024 1618 \\n \\n \\n14. EFFDATE \\n See EFFDATE codes for Plan File Maintenance (95) screen, 100-199/300 record, 3rd \\npage. \\n \\n15. STACKBY \\n See STACKBY codes for Plan File Maintenance (95) screen, 100-199/300 record, 3rd \\npage. \\n \\nNO LAPSE PREMIUM RATING \\u2013 TIER 2 \\n16. METHOD \\nThis field contains a two position code describing the type of premium entry or the basis \\nof the premium entry. The METHOD is used to access the Premium Rate Factor File \\nwhich is available through Rate Maintenance (94) screen. Input is required (in all four \\noccurrences), valid values include: \\n 00 not used \\n 01 premium rate by flat amount per volume of coverage (included in \\nsubstandard premium calculations) \\n 02 first year additional deposit \\n 03 flat annual premium amount \\n 05 expense charge \\n 06 current and guaranteed COI by percentage of total target premium of all \\ninsureds\\u2019 coverages (included in substandard calculations) \\n 07 policy fee plus account value load defined on COI Ruleset \\n 08 pass requested payment amount for external calculation \\n 09 pass initial lump sum for external calculation \\n 10 pass requested payment amount and initial lump sum for external \\ncalculation \\n 11 premium rate by percentage of total premium of an insureds\\u2019 coverages \\n(included in substandard calculations) \\n 13 premium rate by flat amount per volume of coverage (not included in \\nsubstandard premium calculation for substandard type \\u201c30\\u201d). \\n 15 flat amount additional load (added to the fund at time of premium \\npayment and deducted at time of COI deduction) \\n 20 premium rate by percentage of total COI of contract benefit amount = total \\nunits of contract, for use of SBC\\u2019s only \\n 50 premium rate by flat amount per volume of coverage (percent \\nsubstandard is a percent of first year COI rate) \\n 90 minimum premium \\n 91 maximum premium\"",
"file_name": "System Reference-General Maintenance.pdf",
"page_label": "450"
},
{
"id": "6bd0a82a-c6dd-4e66-8618-067834719844",
"text": "\"System Reference Manual \\n \\n \\n \\n\\u00a9 2023 NTT DATA, Inc. | Proprietary and Confidential | July 5, 2024 1606 \\n \\n \\n15. STACKBY \\n See STACKBY codes for TYPE \\u201c100\\u201d-\\u201c199\\u201d SUB TYPE \\u201c300\\u201d, Screen. \\n \\n16. GUARANTEED COI WP EXCLUSION TABLE \\n A table of up to 3 SBCs that may be excluded from the waiver of premium calculation. \\nThe exclusion is used only for waiver plans using premium rating method 11. \\n \\nNOTE: Excluded SBC\\u2019s should be coded on waiver\\u2019s plan record (i.e. Plan File Maintenance \\n(95) screen 120/302 record). \\n \\nCURRENT COI RATING (4 occurrences) \\n17. METHOD \\n Two position code describing the type of premium entry or the basis of the premium \\nentry. The METHOD is used to access the Premium Rate Factor File (available through \\n94 screen). Input is required (in all four occurrences), valid values include: \\n 00 not used \\n 01 premium rate by flat amount per volume of coverage (included in \\nsubstandard premium calculations) \\n 02 first year additional deposit \\n 03 flat annual premium amount \\n 05 expense charge \\n 06 current and guaranteed COI by percentage of total target premium of all \\ninsureds\\u2019 coverages (included in substandard calculations) \\n 07 policy fee plus account value load defined on COI Ruleset \\n 08 pass requested payment amount for external calculation \\n 09 pass initial lump sum for external calculation \\n 10 pass requested payment amount and initial lump sum for external \\ncalculation \\n 11 premium rate by percentage of total premium of an insureds\\u2019 coverages \\n(included in substandard calculations) \\n 13 premium rate by flat amount per volume of coverage (not included in \\nsubstandard premium calculation for substandard type 30). \\n 15 flat amount additional load (added to the fund at time of premium \\npayment and deducted at time of COI deduction) \\n 20 premium rate by percentage of total COI of contract benefit amount = total \\nunits of contract, for use of SBC\\u2019s only. SBC 20s benefit is total COI units \\nof contract \\n 21 premium rate by percentage of total COI of contract benefit amount = total \\nCOI of contract, for use of SBCs only. SBC 20s benefit is total COI \\namount on contract.\"",
"file_name": "System Reference-LifeSys System Reference.pdf",
"page_label": "1606"
},
{
"id": "f62ade81-8be2-4f26-8501-c87b27eb8316",
"text": "\"System Reference Manual \\n \\n \\n \\n\\u00a9 2023 NTT DATA, Inc. | Proprietary and Confidential | July 5, 2024 1606 \\n \\n \\n15. STACKBY \\n See STACKBY codes for TYPE \\u201c100\\u201d-\\u201c199\\u201d SUB TYPE \\u201c300\\u201d, Screen. \\n \\n16. GUARANTEED COI WP EXCLUSION TABLE \\n A table of up to 3 SBCs that may be excluded from the waiver of premium calculation. \\nThe exclusion is used only for waiver plans using premium rating method 11. \\n \\nNOTE: Excluded SBC\\u2019s should be coded on waiver\\u2019s plan record (i.e. Plan File Maintenance \\n(95) screen 120/302 record). \\n \\nCURRENT COI RATING (4 occurrences) \\n17. METHOD \\n Two position code describing the type of premium entry or the basis of the premium \\nentry. The METHOD is used to access the Premium Rate Factor File (available through \\n94 screen). Input is required (in all four occurrences), valid values include: \\n 00 not used \\n 01 premium rate by flat amount per volume of coverage (included in \\nsubstandard premium calculations) \\n 02 first year additional deposit \\n 03 flat annual premium amount \\n 05 expense charge \\n 06 current and guaranteed COI by percentage of total target premium of all \\ninsureds\\u2019 coverages (included in substandard calculations) \\n 07 policy fee plus account value load defined on COI Ruleset \\n 08 pass requested payment amount for external calculation \\n 09 pass initial lump sum for external calculation \\n 10 pass requested payment amount and initial lump sum for external \\ncalculation \\n 11 premium rate by percentage of total premium of an insureds\\u2019 coverages \\n(included in substandard calculations) \\n 13 premium rate by flat amount per volume of coverage (not included in \\nsubstandard premium calculation for substandard type 30). \\n 15 flat amount additional load (added to the fund at time of premium \\npayment and deducted at time of COI deduction) \\n 20 premium rate by percentage of total COI of contract benefit amount = total \\nunits of contract, for use of SBC\\u2019s only. SBC 20s benefit is total COI units \\nof contract \\n 21 premium rate by percentage of total COI of contract benefit amount = total \\nCOI of contract, for use of SBCs only. SBC 20s benefit is total COI \\namount on contract.\"",
"file_name": "System Reference-General Maintenance.pdf",
"page_label": "438"
},
{
"id": "6d3a689f-f68c-483c-b3d4-c090310f456d",
"text": "\"System Reference Manual \\n \\n \\n \\n\\u00a9 2023 NTT DATA, Inc. | Proprietary and Confidential | July 5, 2024 1616 \\n \\n \\n5. EFFECTIVE DATE \\nThis field indicates the date plan data is in effect. This date must be in YYYYMMDD \\nformat. This field cannot be blank. \\n \\nNO LAPSE PREMIUM RATING \\u2013 TIER 1 \\n6. METHOD \\nThis field contains a two position code describing the type of premium entry or the basis \\nof the premium entry. The METHOD is used to access the Premium Rate Factor File \\nwhich is available through Rate Maintenance (94) screen. Input is required (in all four \\noccurrences), valid values include: \\n 00 not used \\n 01 premium rate by flat amount per volume of coverage (included in \\nsubstandard premium calculations) \\n 02 first year additional deposit \\n 03 flat annual premium amount \\n 05 expense charge \\n 06 current and guaranteed COI by percentage of total target premium of all \\ninsureds\\u2019 coverages (included in substandard calculations) \\n 07 policy fee plus account value load defined on COI Ruleset \\n 08 pass requested payment amount for external calculation \\n 09 pass initial lump sum for external calculation \\n 10 pass requested payment amount and initial lump sum for external \\ncalculation \\n 11 premium rate by percentage of total premium of an insureds\\u2019 coverages \\n(included in substandard calculations) \\n 13 premium rate by flat amount per volume of coverage (not included in \\nsubstandard premium calculation for substandard type 30). \\n 15 flat amount additional load (added to the fund at time of premium \\npayment and deducted at time of COI deduction) \\n 20 premium rate by percentage of total COI of contract benefit amount = total \\nunits of contract, for use of SBC\\u2019s only \\n 50 premium rate by flat amount per volume of coverage (percent \\nsubstandard is a percent of first year COI rate) \\n 90 minimum premium \\n 91 maximum premium\"",
"file_name": "System Reference-General Maintenance.pdf",
"page_label": "448"
},
{
"id": "d5beb81b-e182-4c03-a157-8d0077748a3f",
"text": "\"System Reference Manual \\n \\n \\n \\n\\u00a9 2023 NTT DATA, Inc. | Proprietary and Confidential | July 5, 2024 1616 \\n \\n \\n5. EFFECTIVE DATE \\nThis field indicates the date plan data is in effect. This date must be in YYYYMMDD \\nformat. This field cannot be blank. \\n \\nNO LAPSE PREMIUM RATING \\u2013 TIER 1 \\n6. METHOD \\nThis field contains a two position code describing the type of premium entry or the basis \\nof the premium entry. The METHOD is used to access the Premium Rate Factor File \\nwhich is available through Rate Maintenance (94) screen. Input is required (in all four \\noccurrences), valid values include: \\n 00 not used \\n 01 premium rate by flat amount per volume of coverage (included in \\nsubstandard premium calculations) \\n 02 first year additional deposit \\n 03 flat annual premium amount \\n 05 expense charge \\n 06 current and guaranteed COI by percentage of total target premium of all \\ninsureds\\u2019 coverages (included in substandard calculations) \\n 07 policy fee plus account value load defined on COI Ruleset \\n 08 pass requested payment amount for external calculation \\n 09 pass initial lump sum for external calculation \\n 10 pass requested payment amount and initial lump sum for external \\ncalculation \\n 11 premium rate by percentage of total premium of an insureds\\u2019 coverages \\n(included in substandard calculations) \\n 13 premium rate by flat amount per volume of coverage (not included in \\nsubstandard premium calculation for substandard type 30). \\n 15 flat amount additional load (added to the fund at time of premium \\npayment and deducted at time of COI deduction) \\n 20 premium rate by percentage of total COI of contract benefit amount = total \\nunits of contract, for use of SBC\\u2019s only \\n 50 premium rate by flat amount per volume of coverage (percent \\nsubstandard is a percent of first year COI rate) \\n 90 minimum premium \\n 91 maximum premium\"",
"file_name": "System Reference-LifeSys System Reference.pdf",
"page_label": "1616"
},
{
"id": "4c8cabd5-bfff-4cf1-99c8-712464e4c799",
"text": "\"System Reference Manual \\n \\n \\n \\n\\u00a9 2023 NTT DATA, Inc. | Proprietary and Confidential | July 5, 2024 1624 \\n \\n \\n \\n15. STACKBY \\n See STACKBY codes for Plan File Maintenance (95) screen, 100-199/300 record, 3rd \\npage. \\n \\nNO LAPSE PREMIUM RATING \\u2013 TIER 4 \\n16. METHOD \\nThis field contains a two-position code describing the type of premium entry or the basis \\nof the premium entry. The METHOD is used to access the Premium Rate Factor File \\nwhich is available through Rate Maintenance (94) screen. Input is required (in all four \\noccurrences), valid values include: \\n 00 not used \\n 01 premium rate by flat amount per volume of coverage (included in \\nsubstandard premium calculations) \\n 02 first year additional deposit \\n 03 flat annual premium amount \\n 05 expense charge \\n 06 current and guaranteed COI by percentage of total target premium of all \\ninsureds\\u2019 coverages (included in substandard calculations) \\n 07 policy fee plus account value load defined on COI Ruleset \\n 08 pass requested payment amount for external calculation \\n 09 pass initial lump sum for external calculation \\n 10 pass requested payment amount and initial lump sum for external \\ncalculation \\n 11 premium rate by percentage of total premium of an insureds\\u2019 coverages \\n(included in substandard calculations) \\n 13 premium rate by flat amount per volume of coverage (not included in \\nsubstandard premium calculation for substandard type 30). \\n 15 flat amount additional load (added to the fund at time of premium \\npayment and deducted at time of COI deduction) \\n 20 premium rate by percentage of total COI of contract benefit amount = total \\nunits of contract, for use of SBC\\u2019s only \\n 50 premium rate by flat amount per volume of coverage (percent \\nsubstandard is a percent of first year COI rate) \\n 90 minimum premium \\n 91 maximum premium\"",
"file_name": "System Reference-General Maintenance.pdf",
"page_label": "456"
},
{
"id": "c8beb4b7-83ce-415e-ac36-231d21196be8",
"text": "\"System Reference Manual \\n \\n \\n \\n\\u00a9 2023 NTT DATA, Inc. | Proprietary and Confidential | July 5, 2024 1624 \\n \\n \\n \\n15. STACKBY \\n See STACKBY codes for Plan File Maintenance (95) screen, 100-199/300 record, 3rd \\npage. \\n \\nNO LAPSE PREMIUM RATING \\u2013 TIER 4 \\n16. METHOD \\nThis field contains a two-position code describing the type of premium entry or the basis \\nof the premium entry. The METHOD is used to access the Premium Rate Factor File \\nwhich is available through Rate Maintenance (94) screen. Input is required (in all four \\noccurrences), valid values include: \\n 00 not used \\n 01 premium rate by flat amount per volume of coverage (included in \\nsubstandard premium calculations) \\n 02 first year additional deposit \\n 03 flat annual premium amount \\n 05 expense charge \\n 06 current and guaranteed COI by percentage of total target premium of all \\ninsureds\\u2019 coverages (included in substandard calculations) \\n 07 policy fee plus account value load defined on COI Ruleset \\n 08 pass requested payment amount for external calculation \\n 09 pass initial lump sum for external calculation \\n 10 pass requested payment amount and initial lump sum for external \\ncalculation \\n 11 premium rate by percentage of total premium of an insureds\\u2019 coverages \\n(included in substandard calculations) \\n 13 premium rate by flat amount per volume of coverage (not included in \\nsubstandard premium calculation for substandard type 30). \\n 15 flat amount additional load (added to the fund at time of premium \\npayment and deducted at time of COI deduction) \\n 20 premium rate by percentage of total COI of contract benefit amount = total \\nunits of contract, for use of SBC\\u2019s only \\n 50 premium rate by flat amount per volume of coverage (percent \\nsubstandard is a percent of first year COI rate) \\n 90 minimum premium \\n 91 maximum premium\"",
"file_name": "System Reference-LifeSys System Reference.pdf",
"page_label": "1624"
},
{
"id": "9513866b-f125-4b35-9e12-f1c9ab41a43f",
"text": "\"System Reference Manual \\n \\n \\n \\n\\u00a9 2023 NTT DATA, Inc. | Proprietary and Confidential | July 5, 2024 1558 \\n \\n \\n4. SUB TYPE \\n Subtype of plan record. Do not enter on this screen. \\n \\n5. EFFECTIVE DATE \\n Date plan data is in effect. Do not enter on this screen. \\n \\nCURRENT PREMIUM RATING ENTRIES \\n6. METHOD \\n This field contains a two position code describing the type of premium entry or the basis \\nof the premium entry. The METHOD is used to access the Premium Rate Factor File \\n(available through 94 screen). Input is required (in all four occurrences), valid values \\ninclude: \\n 00 not used \\n 01 premium rate by flat amount per volume of coverage (included in \\nsubstandard premium calculations) \\n 02 first year additional deposit \\n 03 flat annual premium amount \\n 05 expense charge \\n 06 waiver of target - COI rate by percentage of total target premium of all \\ninsureds coverages (allowed on current and guaranteed COI tables only) \\n(included in substandard calculations) \\n 07 policy fee plus account value load defined on COI Ruleset \\n 08 pass requested payment amount for external calculation \\n 09 pass initial lump sum for external calculation \\n 10 pass requested payment amount and initial lump sum for external \\ncalculation \\n 11 premium rate by percentage of total premium of an insureds\\u2019 coverages \\n(included in substandard calculations) \\n 13 premium rate by flat amount per volume of coverage (not included in \\nsubstandard premium calculation for substandard type 30) \\n 14 mode policy fee \\n 15 flat amount additional load (added to the fund at time of premium \\npayment and deducted at time of COI deduction) \\n 16 minimum and target premium rate by percentage of total target premium \\nof all insured\\u2019s coverages, excluding waiver \\n 18 used only for return of premium defined as an additional benefit. The \\npremium rate (defined as a dollar amount) x the total of the premium for \\nthe insured\\u2019s basic coverage + all other coverages defined as additional \\nbenefits (excludes any other SBC\\u2019s and charge codes) \\n 50 premium rate by flat amount per volume of coverage (percent \\nsubstandard is a percent of first year COI rate)\"",
"file_name": "System Reference-General Maintenance.pdf",
"page_label": "390"
},
{
"id": "8754f230-1b17-411c-a91c-6a677b4d2dea",
"text": "\"002 - use CVAT factors for death benefit calculations and TEFRA/DEFRA factors for NAR in the COI calculations.\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u000726 - CVAT PREM LIMIT. Valid values are:\\r\\\"001\\\" Do not limit premiums based on CVAT. \\r\\\"002\\\" Limit premiums based on CVAT. Do not increase death benefit.\\r003 Do not limit premiums based on CVAT. Display a warning message and increase the death benefit.\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u000727 GUIDELINE PREMIUM RECALCULATION CODE. Valid values are:\\r001 not required\\r002 Recalculate guideline premiums using cash value retrospective method\\r003 Recalculate guideline premiums using the Dole-Bentsen prospective method\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u000728 - cash with application requirement code. Valid values are:\\r\\\"001\\\" - Full cash with application required\\r\\\"002\\\" - Full cash with application not required\\r003 - Full cash with application not required, but will generate order (50/0001) when short\\r004 - full cash with application not required, will not generate any refund, long or short orders\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\t\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u000729 GUIDELINE PREMIUM CALCULATION CODE\\r001 Not required\\r002 Calculate guideline premiums using the projection method\\r003 Calculate guideline premiums using the direct method\\r\\r30 - Currently not in use. Must be 001.\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u000731 - substandard rating on plan validity code. Valid values are:\\r\\\"001\\\" - substandard rating allowed on plan\\r\\\"002\\\" - substandard rating not allowed on plan\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\\"003\\\" - substandard rating required on plan\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u000732 TERM CONV CREDIT ALLOWED\\r001 suppress the CNV CREDIT field on the 06 screen\\r002 display and allow entry in the CNV CREDIT field on the 06 screen\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u000733 - Currently not in use. Must be 001.\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u000734 - insured's issue age calculation method code. Valid values are:\\r\\\"001\\\" - age nearest birthday\\r\\\"002\\\" - age last birthday\\r\\\"003\\\" - age next birthday\\r\\\"004\\\" - equivalent age, using insureds age nearest birthday\\r\\\"005\\\" - equivalent age, using insureds age last birthday\\r\\\"006\\\" - equivalent age, using insureds age next birthday\\r\\\"007\\\" - not required\\r\\\"008\\\" - age last birthday, attained age calculation uses date of birth\\r009 control is on group issue age controls screen\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u000735 PERSON CONTROL. \\rValid values are:\\r001 Not applicable, blank is not a suitable setting for this as the plan file defaults options to\\r002 Issue age is based on the older owner (or older annuitant if the owner of an entity)\\r003 Issue age is based on the younger owner (or younger annuitant if the owner is an entity)\\r004 Issue age is the oldest of the youngest (determine the younger annuitant, determine younger owner, issue age is the older of the two younger ages\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u000736 - coverage amount definition code. Valid values are:\\r\\\"001\\\" - coverage amount defined in units for use with base/rider plans only \\r\\\"002\\\" - coverage amount defined by face amount for use with base/rider plans only \\r\\\"003\\\" - coverage amount defined in units. For use with SBCs only. (one unit = base coverage face amount)\\r\\\"004\\\" - coverage amount defined in units. For use with SBCs only. (one unit = base coverage annual premium)\\r\\\"005\\\" - UL/ISWL coverage amount calculation. This coverage type checks guideline premium compliance for death benefit options one and two only. The other types do not check for compliance. Death benefit varies by death benefit option. See death benefit option field, CURR OPT on the Universal Life Face Amount Maintenance (21/7) screen for more information on this field.\\r\\\"006\\\" - coverage amount defined by face amount for use with SBC. Face amount = one unit.\\r007 - coverage amount defined in units. For use with SBCs only. (One unit = base coverage net amount at risk).\\r008 For premium: Coverage amount defined by face amount.\""
},
{
"id": "5d2aafd7-9f6e-4455-a78f-8526ae560322",
"text": "\"System Reference Manual \\n \\n \\n \\n\\u00a9 2022 NTT DATA, Inc. | Proprietary and Confidential | April 20 2020 315 \\n \\n \\n7. DUE DATE (D) \\n This field indicates the date premiums for the policy are due in MMDDYYYY format. \\n \\n8. MODE (D) \\n Two-digit code for premium billing frequency. Refer to Policy Payment Mode table in the \\nGeneral Information manual. \\n \\n9. UNITS (D) \\n This field indicates the units of coverage on the base policy. \\n \\n10. ELIM PERIOD ACC (D) \\n Accident elimination period. \\n \\n11. ELIM PERIOD SICK (D) \\n Sickness elimination period. \\n \\n12. BASIC (D) \\n Basic premium amount for the coverage period. \\n \\n13. PC (D) \\n Two-digit Payment/Collection code. Refer to the Policy Payment Code table in the \\nGeneral Information Manual. \\n \\n13. FACE (D) \\n This value is the base policy face amount. \\n \\n14. TYP (R) \\n This is a three digit code referring to the type of coverage. Valid types are controlled by \\nthe Supplemental Coverage Ruleset Screen and are user-defined. \\n \\n15. BENEFIT DESC. (D) \\n This field contains a description referring to the type of coverage. Controlled by the \\nSupplemental Coverage Ruleset Screen. \\n \\nThe benefit amount is included in the death benefit when the description is defined as a \\nCost of Living Adjustment (COLA).\"",
"file_name": "System Reference-Policy Maintenance.pdf",
"page_label": "120"
},
{
"id": "27f25278-086a-4ab5-8c2d-d57b0cb998c4",
"text": "\"System Reference Manual \\n \\n \\n \\n\\u00a9 2023 NTT DATA, Inc. | Proprietary and Confidential | July 5, 2024 317 \\n \\n \\n7. DUE DATE (D) \\n This field indicates the date premiums for the policy are due in MMDDYYYY format. \\n \\n8. MODE (D) \\n Two-digit code for premium billing frequency. Refer to Policy Payment Mode table in the \\nGeneral Information manual. \\n \\n9. UNITS (D) \\n This field indicates the units of coverage on the base policy. \\n \\n10. ELIM PERIOD ACC (D) \\n Accident elimination period. \\n \\n11. ELIM PERIOD SICK (D) \\n Sickness elimination period. \\n \\n12. BASIC (D) \\n Basic premium amount for the coverage period. \\n \\n13. PC (D) \\n Two-digit Payment/Collection code. Refer to the Policy Payment Code table in the \\nGeneral Information Manual. \\n \\n13. FACE (D) \\n This value is the base policy face amount. \\n \\n14. TYP (R) \\n This is a three digit code referring to the type of coverage. Valid types are controlled by \\nthe Supplemental Coverage Ruleset Screen and are user-defined. \\n \\n15. BENEFIT DESC. (D) \\n This field contains a description referring to the type of coverage. Controlled by the \\nSupplemental Coverage Ruleset Screen. \\n \\nThe benefit amount is included in the death benefit when the description is defined as a \\nCost of Living Adjustment (COLA).\"",
"file_name": "System Reference-LifeSys System Reference.pdf",
"page_label": "317"
},
{
"id": "770a4ae3-85db-4d0c-b00d-eb585aa4a9a7",
"text": "\"System Reference Manual \\n \\n \\n \\n\\u00a9 2023 NTT DATA, Inc. | Proprietary and Confidential | July 5, 2024 318 \\n \\n \\n16. COV DESC. (D) \\n This field contains a description referring to the covered individuals. Controlled by the \\nSupplemental Coverage Ruleset Screen. \\n \\n17. BENEFIT (R) \\n This value is the face amount of coverage for the specified period. \\n \\nThe benefit amount is included in the death benefit when the description is defined as a \\nCost of Living Adjustment (COLA). \\n \\n18. UNITS (D) \\n This value is the units of coverage on the additional benefit. \\n \\n19. PREMIUM (D) \\n This value is the amount of benefit premium for the specified coverage period. This field \\nis required for Policy Administration, and will be calculated for New Business. \\n \\n20. BEG DATE (D) \\n This date is the beginning date of the coverage period in MMDDYYYY format. \\n \\n21. END DATE (D) \\n This date is the ending date of the coverage period in MMDDYYYY format. \\n \\nDuplicate Coverage for SSN section: \\n22. SSN (D) \\n This field contains the social security number of the insured or policy owner with \\nduplicate coverage. \\n \\n23. POLICYID (D) \\n This field contains the duplicate coverage policy ID. Ten-position field including rider \\ncode. \\n \\n24. TYPE (D) \\n Duplicate coverage type. Three digit code referring to the type of coverage. Valid types \\nare controlled by the Supplemental Coverage Ruleset Screen and are user defined. \\n \\n25. COVRULE (D) \\n Duplicate coverage Ruleset name. Controlled by the Supplemental Coverage Ruleset \\nScreen.\"",
"file_name": "System Reference-LifeSys System Reference.pdf",
"page_label": "318"
},
{
"id": "9608100c-b73d-41ed-94d7-833a9d3f7f2a",
"text": "\"System Reference Manual \\n \\n \\n \\n\\u00a9 2022 NTT DATA, Inc. | Proprietary and Confidential | April 20 2020 316 \\n \\n \\n16. COV DESC. (D) \\n This field contains a description referring to the covered individuals. Controlled by the \\nSupplemental Coverage Ruleset Screen. \\n \\n17. BENEFIT (R) \\n This value is the face amount of coverage for the specified period. \\n \\nThe benefit amount is included in the death benefit when the description is defined as a \\nCost of Living Adjustment (COLA). \\n \\n18. UNITS (D) \\n This value is the units of coverage on the additional benefit. \\n \\n19. PREMIUM (D) \\n This value is the amount of benefit premium for the specified coverage period. This field \\nis required for Policy Administration, and will be calculated for New Business. \\n \\n20. BEG DATE (D) \\n This date is the beginning date of the coverage period in MMDDYYYY format. \\n \\n21. END DATE (D) \\n This date is the ending date of the coverage period in MMDDYYYY format. \\n \\nDuplicate Coverage for SSN section: \\n22. SSN (D) \\n This field contains the social security number of the insured or policy owner with \\nduplicate coverage. \\n \\n23. POLICYID (D) \\n This field contains the duplicate coverage policy ID. Ten-position field including rider \\ncode. \\n \\n24. TYPE (D) \\n Duplicate coverage type. Three digit code referring to the type of coverage. Valid types \\nare controlled by the Supplemental Coverage Ruleset Screen and are user defined. \\n \\n25. COVRULE (D) \\n Duplicate coverage Ruleset name. Controlled by the Supplemental Coverage Ruleset \\nScreen.\"",
"file_name": "System Reference-Policy Maintenance.pdf",
"page_label": "121"
},
{
"id": "c661bdcb-6ea3-4687-b7b1-4394ff62789e",
"text": "\"System Reference Manual \\n \\n \\n \\n\\u00a9 2022 NTT DATA, Inc. | Proprietary and Confidential | April 20 2020 312 \\n \\n \\n14. TYP (R) \\n Three digit code referring to the type of coverage. Valid types are controlled by the \\nSupplemental Coverage Ruleset Screen and are user-defined. \\n \\n15. BENEFIT DESC. (D) \\n Thirteen character description referring to the type of coverage. Controlled by the \\nSupplemental Coverage Ruleset Screen. \\n \\nThe benefit amount is included in the death benefit when the description is defined as a \\nCost of Living Adjustment (COLA). \\n \\n16. COV DESC. (D) \\n Twelve character description referring to the covered individuals. Controlled by the \\nSupplemental Coverage Ruleset Screen. \\n \\n17. BENEFIT (R) \\n This field indicates the face amount of coverage for the specified period. \\n \\nThe benefit amount is included in the death benefit when the description is defined as a \\nCost of Living Adjustment (COLA). \\n \\n18. UNITS (D) \\n This field indicates the units of coverage on the additional benefit. \\n \\n19. PREMIUM \\n Amount of BENEFIT premium for the specified coverage period. This field is required for \\nPolicy Administration, and will be calculated for New Business. \\n \\n20. BEG DATE \\n This is the beginning date of the coverage period, in MMDDYYYY format. \\n \\n21. END DATE \\n This is the ending date of the coverage period, in MMDDYYYY format. \\n \\nExiting \\nTo exit from the Additional Benefit Maintenance (21/C) screen, type \\u201cX\\u201d in the ACTION field and \\npress the Enter key. You may press the F8 key to exit as well. \\n \\n Revised Q401\"",
"file_name": "System Reference-Policy Maintenance.pdf",
"page_label": "117"
},
{
"id": "1f13079e-351a-43d1-ae01-f490ab798881",
"text": "\"System Reference Manual \\n \\n \\n \\n\\u00a9 2023 NTT DATA, Inc. | Proprietary and Confidential | July 5, 2024 314 \\n \\n \\n14. TYP (R) \\n Three digit code referring to the type of coverage. Valid types are controlled by the \\nSupplemental Coverage Ruleset Screen and are user-defined. \\n \\n15. BENEFIT DESC. (D) \\n Thirteen character description referring to the type of coverage. Controlled by the \\nSupplemental Coverage Ruleset Screen. \\n \\nThe benefit amount is included in the death benefit when the description is defined as a \\nCost of Living Adjustment (COLA). \\n \\n16. COV DESC. (D) \\n Twelve character description referring to the covered individuals. Controlled by the \\nSupplemental Coverage Ruleset Screen. \\n \\n17. BENEFIT (R) \\n This field indicates the face amount of coverage for the specified period. \\n \\nThe benefit amount is included in the death benefit when the description is defined as a \\nCost of Living Adjustment (COLA). \\n \\n18. UNITS (D) \\n This field indicates the units of coverage on the additional benefit. \\n \\n19. PREMIUM \\n Amount of BENEFIT premium for the specified coverage period. This field is required for \\nPolicy Administration, and will be calculated for New Business. \\n \\n20. BEG DATE \\n This is the beginning date of the coverage period, in MMDDYYYY format. \\n \\n21. END DATE \\n This is the ending date of the coverage period, in MMDDYYYY format. \\n \\nExiting \\nTo exit from the Additional Benefit Maintenance (21/C) screen, type \\u201cX\\u201d in the ACTION field and \\npress the Enter key. You may press the F8 key to exit as well. \\n \\n Revised Q401\"",
"file_name": "System Reference-LifeSys System Reference.pdf",
"page_label": "314"
},
{
"id": "28c7f1d0-0828-44bb-9b43-f4e988f96e28",
"text": "\"Valid values are:\\r\\\"A\\\" - specified by age\\r\\\"M\\\" - specified in months\\u0007X.\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007 57O.\\u0007ACC-BEN-N1\\rBenefit period for accident occurrence one.\\u0007S9(3).\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007 57P.\\u0007SICK-BENRULE-N1\\rSickness benefit period rule occurrence one. Valid values are:\\r\\\"A\\\" - specified by age\\r\\\"M\\\" - specified in months\\u0007X.\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007 57Q.\\u0007SICK-BEN-N1\\rBenefit period for sickness occurrence one.\\u0007S9(3).\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007 57R.\\u0007SICK-ELIM-N1\\rElimination period for sickness occurrence one.\\u0007S9(3).\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007 57S.\\u0007ACC-ELIM-N1\\rElimnation period for accident in days.\\u0007S9(3).\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007 57T.\\u0007MIN-PREM-N1\\rFirst premium due when different than first mode premium, occurrence one.\\u0007S9(7)V99 C3.\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007 57U.\\u0007MOD-PREM-N1\\rModal coverage premium occurrence one.\\u0007S9(7)V99 C3.\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007 57V1.\\u0007PREMS-N1\\rThe following is a table of four occurrences of fields \\\"PREM-N1\\\" through \\\"PREMTYPE-N1\\\", for X(7) per occurrence. These fields occur four times within the larger table of ten occurrences.\\u0007X(28).\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007 57V2.\\u0007PREM-N1\\rPremium amount occurrence one.\\u0007S9(7)V99 C3.\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u000757V3.\\u0007PREMTYPE-N1\\rPremium type occurrence one. Valid values are:\\r\\\"00\\\" - not used\\u000799.\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\\"01\\\" - annual coverage premium. Rate by flat amount per volume\\r\\\"02\\\" - first year additional deposit\\r\\\"03\\\" - load percentage rate\\r\\\"04\\\" - add-on rate\\r\\\"05\\\" - expense charge rate\\r\\\"06\\\" - premium rate by percentage of total premium of all insured's coverage\\r\\\"07\\\" - policy fee\\r\\\"08\\\" - pass requested payment amount for external calculation\\r\\\"09\\\" - pass initial lump sum for external calculation\\r\\\"10\\\" - pass requested payment amount and initial lump sum for external calculation\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\\"11\\\" - premium rate by percentage of total premium of an insureds' coverages\\r\\\"12\\\" - first year minimum premium. Calculated as ((COI + surrender) / (1 - Front End Load)) - COI - policy fee\\r\\\"13\\\" - premium rate by flat amount per volume of coverage, like method 01 except not included in substandard premium calculation\\r\\\"14\\\" - mode policy fee\\r\\\"15\\\" - first minimum premium due. The greater of (annual requested payment + initial lump sum requested / minimum premium payment period) and total annual COI premium, modalized by bill code\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\\"16\\\" - premium rate by percentage of total target premium of all insureds' coverages\\r\\\"90\\\" - minimum premium\\r\\\"91\\\" - maximum premium\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007 57V4.\\u0007Entry occurrences 2-4 of fields \\\"PREM-N1\\\" above, for X(7) per occurrence. These occurrences are within the larger table of ten occurrences.\\u0007X(21).\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007 57W.\\u0007COVERAGE-SUBSTAN-N1\\rThe following is a table of two occurrences of fields \\\"SS-TYPE-N1\\\" through \\\"SS-PREM-N1\\\", and the reserved space after, for X(25) per occurrence. These fields occur two times within the larger table of ten occurrences.\\u0007X(50).\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u000757W1.\\u0007SS-TYPE-N1\\rUnderwriting substandard rating decision occurrence one.\""
},
{
"id": "30245a23-eba9-4e7a-8d55-cfb7e8cdd073",
"text": "\"System Reference Manual \\n \\n \\n \\n\\u00a9 2023 NTT DATA, Inc. | Proprietary and Confidential | July 5, 2024 1604 \\n \\n \\n4. SUB TYPE \\n Three-digit SUB TYPE of Plan Record. Must be \\u201c302\\u201d. \\n \\n5. EFFECTIVE DATE \\n Date Plan Data is in effect. Must be in YYYYMMDD format. This field cannot be blank \\nnot allowed. \\n \\nGUARANTEED COI RATING (4 occurrences) \\n6. METHOD \\n Two position code describing the type of premium entry or the basis of the premium \\nentry. The METHOD is used to access the Premium Rate Factor File (available through \\nScreen 94). Input is required (in all four occurrences), valid values include: \\n 00 not used \\n 01 premium rate by flat amount per volume of coverage (included in \\nsubstandard premium calculations) \\n 02 first year additional deposit \\n 03 flat annual premium amount \\n 05 expense charge \\n 06 current and guaranteed COI by percentage of total target premium of all \\ninsureds\\u2019 coverages (included in substandard calculations) \\n 07 policy fee plus account value load defined on COI Ruleset \\n 08 pass requested payment amount for external calculation \\n 09 pass initial lump sum for external calculation \\n 10 pass requested payment amount and initial lump sum for external \\ncalculation \\n 11 premium rate by percentage of total premium of an insured\\u2019s coverages \\n(included in substandard calculations) \\n 13 premium rate by flat amount per volume of coverage (not included in \\nsubstandard premium calculation for substandard type 30) \\n 15 flat amount additional load (added to the fund at time of premium \\npayment and deducted at time of COI deduction) \\n20 premium rate by percentage of total COI of contract benefit amount = total \\nunits of contract, for use of SBCs only. SBC 20s benefit is total COI units \\non contract. \\n21 premium rate by percentage of total COI of contract benefit amount = total \\nunits of contract, for use of SBCs only. SBC 20s benefit is total COI on \\ncontract. \\n 50 premium rate by flat amount per volume of coverage (percent \\nsubstandard is a percent of first year COI rate) \\n 90 minimum premium\"",
"file_name": "System Reference-LifeSys System Reference.pdf",
"page_label": "1604"
},
{
"id": "6f8c073a-3320-4a69-aa1c-c3ad3902d0b7",
"text": "\"System Reference Manual \\n \\n \\n \\n\\u00a9 2023 NTT DATA, Inc. | Proprietary and Confidential | July 5, 2024 1604 \\n \\n \\n4. SUB TYPE \\n Three-digit SUB TYPE of Plan Record. Must be \\u201c302\\u201d. \\n \\n5. EFFECTIVE DATE \\n Date Plan Data is in effect. Must be in YYYYMMDD format. This field cannot be blank \\nnot allowed. \\n \\nGUARANTEED COI RATING (4 occurrences) \\n6. METHOD \\n Two position code describing the type of premium entry or the basis of the premium \\nentry. The METHOD is used to access the Premium Rate Factor File (available through \\nScreen 94). Input is required (in all four occurrences), valid values include: \\n 00 not used \\n 01 premium rate by flat amount per volume of coverage (included in \\nsubstandard premium calculations) \\n 02 first year additional deposit \\n 03 flat annual premium amount \\n 05 expense charge \\n 06 current and guaranteed COI by percentage of total target premium of all \\ninsureds\\u2019 coverages (included in substandard calculations) \\n 07 policy fee plus account value load defined on COI Ruleset \\n 08 pass requested payment amount for external calculation \\n 09 pass initial lump sum for external calculation \\n 10 pass requested payment amount and initial lump sum for external \\ncalculation \\n 11 premium rate by percentage of total premium of an insured\\u2019s coverages \\n(included in substandard calculations) \\n 13 premium rate by flat amount per volume of coverage (not included in \\nsubstandard premium calculation for substandard type 30) \\n 15 flat amount additional load (added to the fund at time of premium \\npayment and deducted at time of COI deduction) \\n20 premium rate by percentage of total COI of contract benefit amount = total \\nunits of contract, for use of SBCs only. SBC 20s benefit is total COI units \\non contract. \\n21 premium rate by percentage of total COI of contract benefit amount = total \\nunits of contract, for use of SBCs only. SBC 20s benefit is total COI on \\ncontract. \\n 50 premium rate by flat amount per volume of coverage (percent \\nsubstandard is a percent of first year COI rate) \\n 90 minimum premium\"",
"file_name": "System Reference-General Maintenance.pdf",
"page_label": "436"
},
{
"id": "9513866b-f125-4b35-9e12-f1c9ab41a43f",
"text": "\"System Reference Manual \\n \\n \\n \\n\\u00a9 2023 NTT DATA, Inc. | Proprietary and Confidential | July 5, 2024 1558 \\n \\n \\n4. SUB TYPE \\n Subtype of plan record. Do not enter on this screen. \\n \\n5. EFFECTIVE DATE \\n Date plan data is in effect. Do not enter on this screen. \\n \\nCURRENT PREMIUM RATING ENTRIES \\n6. METHOD \\n This field contains a two position code describing the type of premium entry or the basis \\nof the premium entry. The METHOD is used to access the Premium Rate Factor File \\n(available through 94 screen). Input is required (in all four occurrences), valid values \\ninclude: \\n 00 not used \\n 01 premium rate by flat amount per volume of coverage (included in \\nsubstandard premium calculations) \\n 02 first year additional deposit \\n 03 flat annual premium amount \\n 05 expense charge \\n 06 waiver of target - COI rate by percentage of total target premium of all \\ninsureds coverages (allowed on current and guaranteed COI tables only) \\n(included in substandard calculations) \\n 07 policy fee plus account value load defined on COI Ruleset \\n 08 pass requested payment amount for external calculation \\n 09 pass initial lump sum for external calculation \\n 10 pass requested payment amount and initial lump sum for external \\ncalculation \\n 11 premium rate by percentage of total premium of an insureds\\u2019 coverages \\n(included in substandard calculations) \\n 13 premium rate by flat amount per volume of coverage (not included in \\nsubstandard premium calculation for substandard type 30) \\n 14 mode policy fee \\n 15 flat amount additional load (added to the fund at time of premium \\npayment and deducted at time of COI deduction) \\n 16 minimum and target premium rate by percentage of total target premium \\nof all insured\\u2019s coverages, excluding waiver \\n 18 used only for return of premium defined as an additional benefit. The \\npremium rate (defined as a dollar amount) x the total of the premium for \\nthe insured\\u2019s basic coverage + all other coverages defined as additional \\nbenefits (excludes any other SBC\\u2019s and charge codes) \\n 50 premium rate by flat amount per volume of coverage (percent \\nsubstandard is a percent of first year COI rate)\"",
"file_name": "System Reference-General Maintenance.pdf",
"page_label": "390"
},
{
"id": "f30abd38-6d95-4bc3-be27-a336391cd640",
"text": "\"System Reference Manual \\n \\n \\n \\n\\u00a9 2023 NTT DATA, Inc. | Proprietary and Confidential | July 5, 2024 1558 \\n \\n \\n4. SUB TYPE \\n Subtype of plan record. Do not enter on this screen. \\n \\n5. EFFECTIVE DATE \\n Date plan data is in effect. Do not enter on this screen. \\n \\nCURRENT PREMIUM RATING ENTRIES \\n6. METHOD \\n This field contains a two position code describing the type of premium entry or the basis \\nof the premium entry. The METHOD is used to access the Premium Rate Factor File \\n(available through 94 screen). Input is required (in all four occurrences), valid values \\ninclude: \\n 00 not used \\n 01 premium rate by flat amount per volume of coverage (included in \\nsubstandard premium calculations) \\n 02 first year additional deposit \\n 03 flat annual premium amount \\n 05 expense charge \\n 06 waiver of target - COI rate by percentage of total target premium of all \\ninsureds coverages (allowed on current and guaranteed COI tables only) \\n(included in substandard calculations) \\n 07 policy fee plus account value load defined on COI Ruleset \\n 08 pass requested payment amount for external calculation \\n 09 pass initial lump sum for external calculation \\n 10 pass requested payment amount and initial lump sum for external \\ncalculation \\n 11 premium rate by percentage of total premium of an insureds\\u2019 coverages \\n(included in substandard calculations) \\n 13 premium rate by flat amount per volume of coverage (not included in \\nsubstandard premium calculation for substandard type 30) \\n 14 mode policy fee \\n 15 flat amount additional load (added to the fund at time of premium \\npayment and deducted at time of COI deduction) \\n 16 minimum and target premium rate by percentage of total target premium \\nof all insured\\u2019s coverages, excluding waiver \\n 18 used only for return of premium defined as an additional benefit. The \\npremium rate (defined as a dollar amount) x the total of the premium for \\nthe insured\\u2019s basic coverage + all other coverages defined as additional \\nbenefits (excludes any other SBC\\u2019s and charge codes) \\n 50 premium rate by flat amount per volume of coverage (percent \\nsubstandard is a percent of first year COI rate)\"",
"file_name": "System Reference-LifeSys System Reference.pdf",
"page_label": "1558"
},
{
"id": "6bd0a82a-c6dd-4e66-8618-067834719844",
"text": "\"System Reference Manual \\n \\n \\n \\n\\u00a9 2023 NTT DATA, Inc. | Proprietary and Confidential | July 5, 2024 1606 \\n \\n \\n15. STACKBY \\n See STACKBY codes for TYPE \\u201c100\\u201d-\\u201c199\\u201d SUB TYPE \\u201c300\\u201d, Screen. \\n \\n16. GUARANTEED COI WP EXCLUSION TABLE \\n A table of up to 3 SBCs that may be excluded from the waiver of premium calculation. \\nThe exclusion is used only for waiver plans using premium rating method 11. \\n \\nNOTE: Excluded SBC\\u2019s should be coded on waiver\\u2019s plan record (i.e. Plan File Maintenance \\n(95) screen 120/302 record). \\n \\nCURRENT COI RATING (4 occurrences) \\n17. METHOD \\n Two position code describing the type of premium entry or the basis of the premium \\nentry. The METHOD is used to access the Premium Rate Factor File (available through \\n94 screen). Input is required (in all four occurrences), valid values include: \\n 00 not used \\n 01 premium rate by flat amount per volume of coverage (included in \\nsubstandard premium calculations) \\n 02 first year additional deposit \\n 03 flat annual premium amount \\n 05 expense charge \\n 06 current and guaranteed COI by percentage of total target premium of all \\ninsureds\\u2019 coverages (included in substandard calculations) \\n 07 policy fee plus account value load defined on COI Ruleset \\n 08 pass requested payment amount for external calculation \\n 09 pass initial lump sum for external calculation \\n 10 pass requested payment amount and initial lump sum for external \\ncalculation \\n 11 premium rate by percentage of total premium of an insureds\\u2019 coverages \\n(included in substandard calculations) \\n 13 premium rate by flat amount per volume of coverage (not included in \\nsubstandard premium calculation for substandard type 30). \\n 15 flat amount additional load (added to the fund at time of premium \\npayment and deducted at time of COI deduction) \\n 20 premium rate by percentage of total COI of contract benefit amount = total \\nunits of contract, for use of SBC\\u2019s only. SBC 20s benefit is total COI units \\nof contract \\n 21 premium rate by percentage of total COI of contract benefit amount = total \\nCOI of contract, for use of SBCs only. SBC 20s benefit is total COI \\namount on contract.\"",
"file_name": "System Reference-LifeSys System Reference.pdf",
"page_label": "1606"
},
{
"id": "f62ade81-8be2-4f26-8501-c87b27eb8316",
"text": "\"System Reference Manual \\n \\n \\n \\n\\u00a9 2023 NTT DATA, Inc. | Proprietary and Confidential | July 5, 2024 1606 \\n \\n \\n15. STACKBY \\n See STACKBY codes for TYPE \\u201c100\\u201d-\\u201c199\\u201d SUB TYPE \\u201c300\\u201d, Screen. \\n \\n16. GUARANTEED COI WP EXCLUSION TABLE \\n A table of up to 3 SBCs that may be excluded from the waiver of premium calculation. \\nThe exclusion is used only for waiver plans using premium rating method 11. \\n \\nNOTE: Excluded SBC\\u2019s should be coded on waiver\\u2019s plan record (i.e. Plan File Maintenance \\n(95) screen 120/302 record). \\n \\nCURRENT COI RATING (4 occurrences) \\n17. METHOD \\n Two position code describing the type of premium entry or the basis of the premium \\nentry. The METHOD is used to access the Premium Rate Factor File (available through \\n94 screen). Input is required (in all four occurrences), valid values include: \\n 00 not used \\n 01 premium rate by flat amount per volume of coverage (included in \\nsubstandard premium calculations) \\n 02 first year additional deposit \\n 03 flat annual premium amount \\n 05 expense charge \\n 06 current and guaranteed COI by percentage of total target premium of all \\ninsureds\\u2019 coverages (included in substandard calculations) \\n 07 policy fee plus account value load defined on COI Ruleset \\n 08 pass requested payment amount for external calculation \\n 09 pass initial lump sum for external calculation \\n 10 pass requested payment amount and initial lump sum for external \\ncalculation \\n 11 premium rate by percentage of total premium of an insureds\\u2019 coverages \\n(included in substandard calculations) \\n 13 premium rate by flat amount per volume of coverage (not included in \\nsubstandard premium calculation for substandard type 30). \\n 15 flat amount additional load (added to the fund at time of premium \\npayment and deducted at time of COI deduction) \\n 20 premium rate by percentage of total COI of contract benefit amount = total \\nunits of contract, for use of SBC\\u2019s only. SBC 20s benefit is total COI units \\nof contract \\n 21 premium rate by percentage of total COI of contract benefit amount = total \\nCOI of contract, for use of SBCs only. SBC 20s benefit is total COI \\namount on contract.\"",
"file_name": "System Reference-General Maintenance.pdf",
"page_label": "438"
},
{
"id": "7ca0620c-a9b9-4e6f-b0f7-5006337ca8e5",
"text": "\"System Reference Manual \\n \\n \\n \\n\\u00a9 2023 NTT DATA, Inc. | Proprietary and Confidential | July 5, 2024 1622 \\n \\n \\n5. EFFECTIVE DATE \\nDate plan data is in effect. Must be in YYYYMMDD format. Spaces not allowed. \\n \\nNO LAPSE PREMIUM RATING \\u2013 TIER 3 \\n6. METHOD \\nThis field contains a two position code describing the type of premium entry or the basis \\nof the premium entry. The METHOD is used to access the Premium Rate Factor File \\nwhich is available through Rate Maintenance (94) screen. Input is required (in all four \\noccurrences), valid values include: \\n 00 not used \\n 01 premium rate by flat amount per volume of coverage (included in \\nsubstandard premium calculations) \\n 02 first year additional deposit \\n 03 flat annual premium amount \\n 05 expense charge \\n 06 current and guaranteed COI by percentage of total target premium of all \\ninsureds\\u2019 coverages (included in substandard calculations) \\n 07 policy fee plus account value load defined on COI Ruleset \\n 08 pass requested payment amount for external calculation \\n 09 pass initial lump sum for external calculation \\n 10 pass requested payment amount and initial lump sum for external \\ncalculation \\n 11 premium rate by percentage of total premium of an insureds\\u2019 coverages \\n(included in substandard calculations) \\n 13 premium rate by flat amount per volume of coverage (not included in \\nsubstandard premium calculation for substandard type 30). \\n 15 flat amount additional load (added to the fund at time of premium \\npayment and deducted at time of COI deduction) \\n 20 premium rate by percentage of total COI of contract benefit amount = total \\nunits of contract, for use of SBC\\u2019s only \\n 50 premium rate by flat amount per volume of coverage (percent \\nsubstandard is a percent of first year COI rate) \\n 90 minimum premium \\n 91 maximum premium\"",
"file_name": "System Reference-LifeSys System Reference.pdf",
"page_label": "1622"
},
{
"id": "97eee4ef-0d38-47fb-9f51-c663989442a9",
"text": "\"System Reference Manual \\n \\n \\n \\n\\u00a9 2023 NTT DATA, Inc. | Proprietary and Confidential | July 5, 2024 1622 \\n \\n \\n5. EFFECTIVE DATE \\nDate plan data is in effect. Must be in YYYYMMDD format. Spaces not allowed. \\n \\nNO LAPSE PREMIUM RATING \\u2013 TIER 3 \\n6. METHOD \\nThis field contains a two position code describing the type of premium entry or the basis \\nof the premium entry. The METHOD is used to access the Premium Rate Factor File \\nwhich is available through Rate Maintenance (94) screen. Input is required (in all four \\noccurrences), valid values include: \\n 00 not used \\n 01 premium rate by flat amount per volume of coverage (included in \\nsubstandard premium calculations) \\n 02 first year additional deposit \\n 03 flat annual premium amount \\n 05 expense charge \\n 06 current and guaranteed COI by percentage of total target premium of all \\ninsureds\\u2019 coverages (included in substandard calculations) \\n 07 policy fee plus account value load defined on COI Ruleset \\n 08 pass requested payment amount for external calculation \\n 09 pass initial lump sum for external calculation \\n 10 pass requested payment amount and initial lump sum for external \\ncalculation \\n 11 premium rate by percentage of total premium of an insureds\\u2019 coverages \\n(included in substandard calculations) \\n 13 premium rate by flat amount per volume of coverage (not included in \\nsubstandard premium calculation for substandard type 30). \\n 15 flat amount additional load (added to the fund at time of premium \\npayment and deducted at time of COI deduction) \\n 20 premium rate by percentage of total COI of contract benefit amount = total \\nunits of contract, for use of SBC\\u2019s only \\n 50 premium rate by flat amount per volume of coverage (percent \\nsubstandard is a percent of first year COI rate) \\n 90 minimum premium \\n 91 maximum premium\"",
"file_name": "System Reference-General Maintenance.pdf",
"page_label": "454"
},
{
"id": "6d3a689f-f68c-483c-b3d4-c090310f456d",
"text": "\"System Reference Manual \\n \\n \\n \\n\\u00a9 2023 NTT DATA, Inc. | Proprietary and Confidential | July 5, 2024 1616 \\n \\n \\n5. EFFECTIVE DATE \\nThis field indicates the date plan data is in effect. This date must be in YYYYMMDD \\nformat. This field cannot be blank. \\n \\nNO LAPSE PREMIUM RATING \\u2013 TIER 1 \\n6. METHOD \\nThis field contains a two position code describing the type of premium entry or the basis \\nof the premium entry. The METHOD is used to access the Premium Rate Factor File \\nwhich is available through Rate Maintenance (94) screen. Input is required (in all four \\noccurrences), valid values include: \\n 00 not used \\n 01 premium rate by flat amount per volume of coverage (included in \\nsubstandard premium calculations) \\n 02 first year additional deposit \\n 03 flat annual premium amount \\n 05 expense charge \\n 06 current and guaranteed COI by percentage of total target premium of all \\ninsureds\\u2019 coverages (included in substandard calculations) \\n 07 policy fee plus account value load defined on COI Ruleset \\n 08 pass requested payment amount for external calculation \\n 09 pass initial lump sum for external calculation \\n 10 pass requested payment amount and initial lump sum for external \\ncalculation \\n 11 premium rate by percentage of total premium of an insureds\\u2019 coverages \\n(included in substandard calculations) \\n 13 premium rate by flat amount per volume of coverage (not included in \\nsubstandard premium calculation for substandard type 30). \\n 15 flat amount additional load (added to the fund at time of premium \\npayment and deducted at time of COI deduction) \\n 20 premium rate by percentage of total COI of contract benefit amount = total \\nunits of contract, for use of SBC\\u2019s only \\n 50 premium rate by flat amount per volume of coverage (percent \\nsubstandard is a percent of first year COI rate) \\n 90 minimum premium \\n 91 maximum premium\"",
"file_name": "System Reference-General Maintenance.pdf",
"page_label": "448"
},
{
"id": "d5beb81b-e182-4c03-a157-8d0077748a3f",
"text": "\"System Reference Manual \\n \\n \\n \\n\\u00a9 2023 NTT DATA, Inc. | Proprietary and Confidential | July 5, 2024 1616 \\n \\n \\n5. EFFECTIVE DATE \\nThis field indicates the date plan data is in effect. This date must be in YYYYMMDD \\nformat. This field cannot be blank. \\n \\nNO LAPSE PREMIUM RATING \\u2013 TIER 1 \\n6. METHOD \\nThis field contains a two position code describing the type of premium entry or the basis \\nof the premium entry. The METHOD is used to access the Premium Rate Factor File \\nwhich is available through Rate Maintenance (94) screen. Input is required (in all four \\noccurrences), valid values include: \\n 00 not used \\n 01 premium rate by flat amount per volume of coverage (included in \\nsubstandard premium calculations) \\n 02 first year additional deposit \\n 03 flat annual premium amount \\n 05 expense charge \\n 06 current and guaranteed COI by percentage of total target premium of all \\ninsureds\\u2019 coverages (included in substandard calculations) \\n 07 policy fee plus account value load defined on COI Ruleset \\n 08 pass requested payment amount for external calculation \\n 09 pass initial lump sum for external calculation \\n 10 pass requested payment amount and initial lump sum for external \\ncalculation \\n 11 premium rate by percentage of total premium of an insureds\\u2019 coverages \\n(included in substandard calculations) \\n 13 premium rate by flat amount per volume of coverage (not included in \\nsubstandard premium calculation for substandard type 30). \\n 15 flat amount additional load (added to the fund at time of premium \\npayment and deducted at time of COI deduction) \\n 20 premium rate by percentage of total COI of contract benefit amount = total \\nunits of contract, for use of SBC\\u2019s only \\n 50 premium rate by flat amount per volume of coverage (percent \\nsubstandard is a percent of first year COI rate) \\n 90 minimum premium \\n 91 maximum premium\"",
"file_name": "System Reference-LifeSys System Reference.pdf",
"page_label": "1616"
},
{
"id": "043fb444-14b7-4705-aea7-133b8001ecbf",
"text": "\"System Reference Manual \\n \\n \\n \\n\\u00a9 2023 NTT DATA, Inc. | Proprietary and Confidential | July 5, 2024 1618 \\n \\n \\n14. EFFDATE \\n See EFFDATE codes for Plan File Maintenance (95) screen, 100-199/300 record, 3rd \\npage. \\n \\n15. STACKBY \\n See STACKBY codes for Plan File Maintenance (95) screen, 100-199/300 record, 3rd \\npage. \\n \\nNO LAPSE PREMIUM RATING \\u2013 TIER 2 \\n16. METHOD \\nThis field contains a two position code describing the type of premium entry or the basis \\nof the premium entry. The METHOD is used to access the Premium Rate Factor File \\nwhich is available through Rate Maintenance (94) screen. Input is required (in all four \\noccurrences), valid values include: \\n 00 not used \\n 01 premium rate by flat amount per volume of coverage (included in \\nsubstandard premium calculations) \\n 02 first year additional deposit \\n 03 flat annual premium amount \\n 05 expense charge \\n 06 current and guaranteed COI by percentage of total target premium of all \\ninsureds\\u2019 coverages (included in substandard calculations) \\n 07 policy fee plus account value load defined on COI Ruleset \\n 08 pass requested payment amount for external calculation \\n 09 pass initial lump sum for external calculation \\n 10 pass requested payment amount and initial lump sum for external \\ncalculation \\n 11 premium rate by percentage of total premium of an insureds\\u2019 coverages \\n(included in substandard calculations) \\n 13 premium rate by flat amount per volume of coverage (not included in \\nsubstandard premium calculation for substandard type \\u201c30\\u201d). \\n 15 flat amount additional load (added to the fund at time of premium \\npayment and deducted at time of COI deduction) \\n 20 premium rate by percentage of total COI of contract benefit amount = total \\nunits of contract, for use of SBC\\u2019s only \\n 50 premium rate by flat amount per volume of coverage (percent \\nsubstandard is a percent of first year COI rate) \\n 90 minimum premium \\n 91 maximum premium\"",
"file_name": "System Reference-LifeSys System Reference.pdf",
"page_label": "1618"
},
{
"id": "8513ca38-9f93-49da-be9c-d5ccf53565cb",
"text": "\"System Reference Manual \\n \\n \\n \\n\\u00a9 2023 NTT DATA, Inc. | Proprietary and Confidential | July 5, 2024 1618 \\n \\n \\n14. EFFDATE \\n See EFFDATE codes for Plan File Maintenance (95) screen, 100-199/300 record, 3rd \\npage. \\n \\n15. STACKBY \\n See STACKBY codes for Plan File Maintenance (95) screen, 100-199/300 record, 3rd \\npage. \\n \\nNO LAPSE PREMIUM RATING \\u2013 TIER 2 \\n16. METHOD \\nThis field contains a two position code describing the type of premium entry or the basis \\nof the premium entry. The METHOD is used to access the Premium Rate Factor File \\nwhich is available through Rate Maintenance (94) screen. Input is required (in all four \\noccurrences), valid values include: \\n 00 not used \\n 01 premium rate by flat amount per volume of coverage (included in \\nsubstandard premium calculations) \\n 02 first year additional deposit \\n 03 flat annual premium amount \\n 05 expense charge \\n 06 current and guaranteed COI by percentage of total target premium of all \\ninsureds\\u2019 coverages (included in substandard calculations) \\n 07 policy fee plus account value load defined on COI Ruleset \\n 08 pass requested payment amount for external calculation \\n 09 pass initial lump sum for external calculation \\n 10 pass requested payment amount and initial lump sum for external \\ncalculation \\n 11 premium rate by percentage of total premium of an insureds\\u2019 coverages \\n(included in substandard calculations) \\n 13 premium rate by flat amount per volume of coverage (not included in \\nsubstandard premium calculation for substandard type \\u201c30\\u201d). \\n 15 flat amount additional load (added to the fund at time of premium \\npayment and deducted at time of COI deduction) \\n 20 premium rate by percentage of total COI of contract benefit amount = total \\nunits of contract, for use of SBC\\u2019s only \\n 50 premium rate by flat amount per volume of coverage (percent \\nsubstandard is a percent of first year COI rate) \\n 90 minimum premium \\n 91 maximum premium\"",
"file_name": "System Reference-General Maintenance.pdf",
"page_label": "450"
},
{
"id": "28c7f1d0-0828-44bb-9b43-f4e988f96e28",
"text": "\"Valid values are:\\r\\\"A\\\" - specified by age\\r\\\"M\\\" - specified in months\\u0007X.\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007 57O.\\u0007ACC-BEN-N1\\rBenefit period for accident occurrence one.\\u0007S9(3).\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007 57P.\\u0007SICK-BENRULE-N1\\rSickness benefit period rule occurrence one. Valid values are:\\r\\\"A\\\" - specified by age\\r\\\"M\\\" - specified in months\\u0007X.\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007 57Q.\\u0007SICK-BEN-N1\\rBenefit period for sickness occurrence one.\\u0007S9(3).\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007 57R.\\u0007SICK-ELIM-N1\\rElimination period for sickness occurrence one.\\u0007S9(3).\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007 57S.\\u0007ACC-ELIM-N1\\rElimnation period for accident in days.\\u0007S9(3).\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007 57T.\\u0007MIN-PREM-N1\\rFirst premium due when different than first mode premium, occurrence one.\\u0007S9(7)V99 C3.\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007 57U.\\u0007MOD-PREM-N1\\rModal coverage premium occurrence one.\\u0007S9(7)V99 C3.\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007 57V1.\\u0007PREMS-N1\\rThe following is a table of four occurrences of fields \\\"PREM-N1\\\" through \\\"PREMTYPE-N1\\\", for X(7) per occurrence. These fields occur four times within the larger table of ten occurrences.\\u0007X(28).\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007 57V2.\\u0007PREM-N1\\rPremium amount occurrence one.\\u0007S9(7)V99 C3.\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u000757V3.\\u0007PREMTYPE-N1\\rPremium type occurrence one. Valid values are:\\r\\\"00\\\" - not used\\u000799.\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\\"01\\\" - annual coverage premium. Rate by flat amount per volume\\r\\\"02\\\" - first year additional deposit\\r\\\"03\\\" - load percentage rate\\r\\\"04\\\" - add-on rate\\r\\\"05\\\" - expense charge rate\\r\\\"06\\\" - premium rate by percentage of total premium of all insured's coverage\\r\\\"07\\\" - policy fee\\r\\\"08\\\" - pass requested payment amount for external calculation\\r\\\"09\\\" - pass initial lump sum for external calculation\\r\\\"10\\\" - pass requested payment amount and initial lump sum for external calculation\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\\"11\\\" - premium rate by percentage of total premium of an insureds' coverages\\r\\\"12\\\" - first year minimum premium. Calculated as ((COI + surrender) / (1 - Front End Load)) - COI - policy fee\\r\\\"13\\\" - premium rate by flat amount per volume of coverage, like method 01 except not included in substandard premium calculation\\r\\\"14\\\" - mode policy fee\\r\\\"15\\\" - first minimum premium due. The greater of (annual requested payment + initial lump sum requested / minimum premium payment period) and total annual COI premium, modalized by bill code\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\\"16\\\" - premium rate by percentage of total target premium of all insureds' coverages\\r\\\"90\\\" - minimum premium\\r\\\"91\\\" - maximum premium\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007 57V4.\\u0007Entry occurrences 2-4 of fields \\\"PREM-N1\\\" above, for X(7) per occurrence. These occurrences are within the larger table of ten occurrences.\\u0007X(21).\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007 57W.\\u0007COVERAGE-SUBSTAN-N1\\rThe following is a table of two occurrences of fields \\\"SS-TYPE-N1\\\" through \\\"SS-PREM-N1\\\", and the reserved space after, for X(25) per occurrence. These fields occur two times within the larger table of ten occurrences.\\u0007X(50).\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u000757W1.\\u0007SS-TYPE-N1\\rUnderwriting substandard rating decision occurrence one.\""
},
{
"id": "4e5f1f31-8f9e-43bd-8233-570352e74771",
"text": "\"System Reference Manual \\n \\n \\n \\n\\u00a9 2023 NTT DATA, Inc. | Proprietary and Confidential | July 5, 2024 1002 \\n \\n \\nField Descriptions \\n1. POLICY STATUS (D) \\n One-digit code for status of policy. Refer to Policy Status Table in the General \\nInformation Manual. \\n \\n2. POLICY ID \\n Eight-digit policy identification number. \\n \\n3. PAYMENT STREAM ID \\n Five-digit payment stream identification number. \\n \\n4. OF (D) \\n Identifies which payment stream on the policy. \\n \\n5. ON POLICY (D) \\n The number of payment streams on the policy. \\n \\n6. ADJUSTED PYMT AMT \\nThis field displays the new starting payment amount to be used for the repetitive \\npayment amount. The amount is used for any payment date equal to or after the ADJ \\nPYMT EFF DATE. It is NOT used for any payment date prior to the ADJ PYMT EFF \\nDATE. This field is used most often when there is a calculation or rounding difference for \\nthose payments that have a COLA. \\n \\n7. RATE TBL STRT DATE \\nThis field displays the date to begin using the COLA Rate Table in calculations in the \\nformat MM/DD/YYYY. If this field is blank, it indicates that a COLA Rate Table should \\nnot be used for calculations. \\n \\n8. ADJ PYMT EFF DATE \\nThis field indicates the effective date of the amount in the ADJUSTED PYMT AMT field. \\nWhen the COLA Rate Table is utilized this date has to be equal to the RATE TBL STRT \\nDATE. Exceptions to this may be loaded with company conversion; however, screen \\nedits will require the dates to be equal if they are updated online. \\n \\n9. COLA PURCHASE DATE \\nThis field indicates the date the COLA benefit was purchased in the format \\nMM/DD/YYYY.\"",
"file_name": "System Reference-LifeSys System Reference.pdf",
"page_label": "1002"
},
{
"id": "54560ceb-769e-4e69-a07a-58fd7f41fac3",
"text": "\"System Reference Manual \\n \\n \\n \\n\\u00a9 2022 NTT DATA, Inc. | Proprietary and Confidential | April 20 2020 981 \\n \\n \\nField Descriptions \\n1. POLICY STATUS (D) \\n One-digit code for status of policy. Refer to Policy Status Table in the General \\nInformation Manual. \\n \\n2. POLICY ID \\n Eight-digit policy identification number. \\n \\n3. PAYMENT STREAM ID \\n Five-digit payment stream identification number. \\n \\n4. OF (D) \\n Identifies which payment stream on the policy. \\n \\n5. ON POLICY (D) \\n The number of payment streams on the policy. \\n \\n6. ADJUSTED PYMT AMT \\nThis field displays the new starting payment amount to be used for the repetitive \\npayment amount. The amount is used for any payment date equal to or after the ADJ \\nPYMT EFF DATE. It is NOT used for any payment date prior to the ADJ PYMT EFF \\nDATE. This field is used most often when there is a calculation or rounding difference for \\nthose payments that have a COLA. \\n \\n7. RATE TBL STRT DATE \\nThis field displays the date to begin using the COLA Rate Table in calculations in the \\nformat MM/DD/YYYY. If this field is blank, it indicates that a COLA Rate Table should \\nnot be used for calculations. \\n \\n8. ADJ PYMT EFF DATE \\nThis field indicates the effective date of the amount in the ADJUSTED PYMT AMT field. \\nWhen the COLA Rate Table is utilized this date has to be equal to the RATE TBL STRT \\nDATE. Exceptions to this may be loaded with company conversion; however, screen \\nedits will require the dates to be equal if they are updated online. \\n \\n9. COLA PURCHASE DATE \\nThis field indicates the date the COLA benefit was purchased in the format \\nMM/DD/YYYY.\"",
"file_name": "System Reference-Repetitive Pay.pdf",
"page_label": "16"
},
{
"id": "c1d8a023-ded4-41a8-9c06-10a65f5d3507",
"text": "\"Valid values are:\\r\\\"001\\\" - not required\\r\\\"002\\\" - use method = c (bom, pac, eft) and mode = 4 (quarterly)\\r\\\"003\\\" - use method = d (salsa) and mode = 4 (quarterly)\\r\\\"004\\\" - use method = 02 and mode = 12 (monthly)\\r\\\"005\\\" - use method = 05 and mode = 12 (monthly)\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007100 - guaranteed premium code. Valid values are:\\r\\\"001\\\" - not required\\r\\\"002\\\" - calculate guaranteed premium\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007101 - guideline premium calculation code. Valid values are:\\r\\\"001\\\" - not required\\r\\\"002\\\" - calculate guideline premium\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007102 - surrender charge premium code. Valid values are:\\r\\\"001\\\" - not required\\r\\\"002\\\" - calculate surrender charge premium\\r003 equals target premium\\r004 equals minimum premium\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007103 - face amount/monthly benefit or units printing on policy pages code. Valid values are:\\r\\\"001\\\" - not required or don't print\\r\\\"002\\\" - print face amount/monthly benefit on policy pages\\r\\\"003\\\" - print units on policy pages\\r\\\"004\\\" - print ultimate face amount/monthly benefit on policy pages from face amount field\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007104 - annual premium/cost of benefit printing on policy pages code. Valid values are:\\r\\\"001\\\" - not required or don't print\\r\\\"002\\\" - print annual premium on policy pages\\r\\\"003\\\" - print cost of benefit as a percentage = annual premium of prior coverage/annual premium of this coverage rounded (.0758 would be printed as 7.6%)\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007105 - special wording for percent of monthly deduction on policy pages code. Valid values are:\\r\\\"001\\\" - not required\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\\"002\\\" - print message *percent of monthly deduction - see monthly deduction rider for explanation. on policy pages (printed in connection with occurrence 104 code \\\"003\\\")\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007106 - critical/change date wording on conversion to policy system code. Note that these values are actually used in NBS299 which stores the actual message and applies it to the CG. Valid values are:\\r001 - not required\\r002 - use message APPLY PREMIUM CHARGE\\r003 - use message FUND REINVESTMENT\\r004 - use message ROP BENEFIT PAYOUT\\r005 - use message MAKE RSA, CHG PLAN OPT AND BLK\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007107 - set critical/change date based on the following method code. Valid values are:\\r001 - not required\\r002 - advance issue date by number of years specified in occurrence 108\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007108 - value for calculating critical/change date. This field contains any numeric value when used. Initialization of one is acceptable.\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007109 GI AMT\\rThis field contains a three-digit code used to determine if a check should be performed to determine if GI (guaranteed issue) limits have been exceeded before validating the height/weight limits. Valid values are:\\r001 Not required\\r002 - Required\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007109110 - Currently not in use. Must be 001.\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007111 - cost index indicator code. Valid values are:\\r\\\"001\\\" - not required\\r\\\"002\\\" - calculate cost index\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007112 - schedule of total premium calculation on policy pages code. Used for annual, semi-annual and quarterly premiums only. Valid values are:\\r\\\"001\\\" - not required\\r\\\"002\\\" - calculate using policy billing method.\\r\\\"003\\\" - calculate using \\\"01\\\" billing method as a substitute method.\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007113115 - Currently not in use. Must be 001.\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007116 - Minimum premium payment period amount.\""
},
{
"id": "c1265051-625e-4cf1-ac8d-c0bb4303cb25",
"text": "\"System Reference Manual \\n \\n \\n \\n\\u00a9 2023 NTT DATA, Inc. | Proprietary and Confidential | July 5, 2024 1139 \\n \\n \\n 099 The maximum has been paid for this benefit \\n 100 The maximum has been paid for this period of sickness \\n 101 The maximum lifetime benefit for cancer has been paid \\n 102 This claim payment represents maximum benefits payable \\n 103 Lapsed, after grace period \\n 104 Lapsed, no grace period (ETI or RPU) \\n 105 Policy continues if premiums are paid and you do not cancel \\n 106 Stop payment has been placed on original check \\n 107 Thank you for keeping your coverage with our company \\n 108 The full overpaid amount was deducted from this claim \\n 109 Asphyiation from inhalation of gas/voluntary or involuntary \\n 110 Part A deductible previously paid for this hospital stay \\n 111 The deductible was previously paid in this calendar year \\n 112 This is a duplicate, previously applied to your deductible \\n 113 This is a duplicate bill, previously paid to the Insured \\n 114 This is a duplicate bill, previously paid to the Provider \\n 115 This is a duplicate charge, previously submitted \\n E01 Benefits were coordinated with your primary insurer \\n E02 Explanation of non-payment will follow under separate cover \\n E03 Explanation of the remaining charges submitted will follow \\n E04 Letter of explanation will follow under separate cover \\n E05 One day has been applied to the elimination period \\n E06 Part of an overpayment was deducted from this claim \\n E07 Payment for medical records after hospital retrieval fee \\n E08 Payment is for medical records \\n E09 Payment is for difference between U&C and eligible expense \\n E10 Payment is the result of a review showing additional benefits \\n E11 Payment made according to policy cancer screening benefit \\n E12 Payment per your assignment. Please pay overage to insured. \\n E13 Payment represents your share of the available benefit \\n E14 Per certificate, coverage terminates with this claim payment \\n E15 Plan allows for payment of the highest visit per day \\n E16 Plan pays one surgery, the greatest, per period of sickness \\n E17 Premium previously refunded was deducted from this claim \\n E18 Premiums previously refunded was deducted from this claim \\n E19 Procedure reduced per policy provisions see next line \\n E20 Procedure reduced per review of x-rays by our consultant\"",
"file_name": "System Reference-LifeSys System Reference.pdf",
"page_label": "1139"
},
{
"id": "b47bd655-dca3-4f33-b71f-32994417c858",
"text": "\"Valid values are:\\r\\\"001\\\" - required\\r\\\"002\\\"- not required\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u000711 - rated or declined question code. Valid values are:\\r\\\"001\\\" - required\\r\\\"002\\\" - not required\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u000712 - hazardous activity question code. Valid values are:\\r\\\"001\\\" - required\\r\\\"002\\\" - not required\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u000713 - aviation activity question code. Valid values are:\\r\\\"001\\\" - required\\r\\\"002\\\" - not required\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u000714 - underwriting class question code. Valid values are:\\r\\\"001\\\" - required\\r\\\"002\\\" - not required\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u000715 - Currently not in use. Must be 001.\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u000716 - occupational risk code. Valid values are:\\r\\\"001\\\" - required\\r\\\"002\\\" - not required\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u000717 - occupation class code. Valid values are:\\r\\\"001\\\" - required\\r\\\"002\\\" - not required\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u000718 - occupation type code. Valid values are:\\r\\\"001\\\" - required\\r\\\"002\\\" - not required\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u000719 - accident benefit period and rule code. Valid values are:\\r\\\"001\\\" - required\\r\\\"002\\\" - not required at time of data entry\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u000720 - sickness benefit period and rule code. Valid values are:\\r\\\"001\\\" - required\\r\\\"002\\\" - not required at time of data entry\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u000721 - accident elimination period code. Valid values are:\\r\\\"001\\\"- required\\r\\\"002\\\" - not required\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u000722 - sickness elimination period code. Valid values are:\\r\\\"001\\\" - required\\r\\\"002\\\" - not required\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u000723 - first coverage amount compare code, indicating whether or not to compare the requested payment against either COI, minimum or target premium. Used only on plans that allows flexible billing. Valid values are:\\r\\\"001\\\" - use requested payment as is \\r\\\"002\\\" - COI\\r\\\"003\\\" - COI plus initial lump sum\\r\\\"004\\\" - minimum\\r\\\"005\\\" - minimum plus initial lump sum\\r\\\"006\\\" - target\\r\\\"007\\\" - target plus initial lump sum\\r\\\"008\\\" - current premium\\r\\\"009\\\" - current premium plus initial lump sum\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u000724 - benefit option code. Valid values are:\\r\\\"001\\\" - required\\r\\\"002\\\" - not required\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u000725 - cvat/corr method. Valid values are:\\r001 - use CVAT factors, if they exist, for the COI and death benefit calculations. If not CVAT factors, use TEFRA/DEFRA factors for both calculations. 001 is the default value.\\r002 - use CVAT factors for death benefit calculations and TEFRA/DEFRA factors for NAR in the COI calculations.\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u000726 - CVAT PREM LIMIT. Valid values are:\\r\\\"001\\\" Do not limit premiums based on CVAT. \\r\\\"002\\\" Limit premiums based on CVAT. Do not increase death benefit.\\r003 Do not limit premiums based on CVAT. Display a warning message and increase the death benefit.\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u000727 GUIDELINE PREMIUM RECALCULATION CODE. Valid values are:\\r001 not required\\r002 Recalculate guideline premiums using cash value retrospective method\\r003 Recalculate guideline premiums using the Dole-Bentsen prospective method\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u000728 - cash with application requirement code.\""
},
{
"id": "0bbea2a5-ae0d-4f38-8481-482063ad4adc",
"text": "\"Rulesets Manual \\n \\n \\n \\n\\u00a9 2022 NTT DATA, Inc. | Proprietary and Confidential | September 12, 2024 288 \\n \\n \\n \\nEFFECTIVE DATE \\nThis is the date plan data is in effect. The date must be MMDDYYYY format. This field \\ncannot be blank. \\n \\nAS OF DATE \\nThis is the issue date of the policy when coming from any of the Policy Maintenance \\nseries of screens. \\n \\nLUMP SUM DEATH BENEFIT CONTROLS \\nCALCULATION METHOD \\nThis field indicates the base used in calculation of the GMDB rider death benefit. Valid \\nvalues are: \\nBlank or 01 Use Lump Sum and Annuitization benefit controls to calculate \\ndeath benefit \\n02 Use Guarantee Minimum Withdrawal Benefit (GMWB) rider \\nincome base as death benefit base \\n \\nIf the CALCULATION METHOD is \\u201c02\\u201d for LUMP SUM CONTROLS, the \\nCALCULATION METHOD must be \\u201c02\\u201d for ANNUITIZATION CONTROLS also. \\n \\nBENEFIT BEGIN \\nThis field indicates the length of time (in years) before the death benefit is calculated and \\navailable. Valid values are: \\nBlank Not applicable \\n01-99 Number of years \\n \\nBENEFIT PERCENT \\nThis field indicates Enhanced Death Benefit Factor used in calculating the Enhanced \\nDeath Benefit Amount. Valid values are 0.0000-1.0000 or blank. \\n \\nACCUMULATION PERIOD \\nThis field indicates the accumulation period in years. This is the period that the bonus \\nwill grow. Valid values are: \\nBlank Not applicable \\n01-99 Number of years\"",
"file_name": "Rulesets Manual.pdf",
"page_label": "288"
},
{
"id": "30245a23-eba9-4e7a-8d55-cfb7e8cdd073",
"text": "\"System Reference Manual \\n \\n \\n \\n\\u00a9 2023 NTT DATA, Inc. | Proprietary and Confidential | July 5, 2024 1604 \\n \\n \\n4. SUB TYPE \\n Three-digit SUB TYPE of Plan Record. Must be \\u201c302\\u201d. \\n \\n5. EFFECTIVE DATE \\n Date Plan Data is in effect. Must be in YYYYMMDD format. This field cannot be blank \\nnot allowed. \\n \\nGUARANTEED COI RATING (4 occurrences) \\n6. METHOD \\n Two position code describing the type of premium entry or the basis of the premium \\nentry. The METHOD is used to access the Premium Rate Factor File (available through \\nScreen 94). Input is required (in all four occurrences), valid values include: \\n 00 not used \\n 01 premium rate by flat amount per volume of coverage (included in \\nsubstandard premium calculations) \\n 02 first year additional deposit \\n 03 flat annual premium amount \\n 05 expense charge \\n 06 current and guaranteed COI by percentage of total target premium of all \\ninsureds\\u2019 coverages (included in substandard calculations) \\n 07 policy fee plus account value load defined on COI Ruleset \\n 08 pass requested payment amount for external calculation \\n 09 pass initial lump sum for external calculation \\n 10 pass requested payment amount and initial lump sum for external \\ncalculation \\n 11 premium rate by percentage of total premium of an insured\\u2019s coverages \\n(included in substandard calculations) \\n 13 premium rate by flat amount per volume of coverage (not included in \\nsubstandard premium calculation for substandard type 30) \\n 15 flat amount additional load (added to the fund at time of premium \\npayment and deducted at time of COI deduction) \\n20 premium rate by percentage of total COI of contract benefit amount = total \\nunits of contract, for use of SBCs only. SBC 20s benefit is total COI units \\non contract. \\n21 premium rate by percentage of total COI of contract benefit amount = total \\nunits of contract, for use of SBCs only. SBC 20s benefit is total COI on \\ncontract. \\n 50 premium rate by flat amount per volume of coverage (percent \\nsubstandard is a percent of first year COI rate) \\n 90 minimum premium\"",
"file_name": "System Reference-LifeSys System Reference.pdf",
"page_label": "1604"
},
{
"id": "6f8c073a-3320-4a69-aa1c-c3ad3902d0b7",
"text": "\"System Reference Manual \\n \\n \\n \\n\\u00a9 2023 NTT DATA, Inc. | Proprietary and Confidential | July 5, 2024 1604 \\n \\n \\n4. SUB TYPE \\n Three-digit SUB TYPE of Plan Record. Must be \\u201c302\\u201d. \\n \\n5. EFFECTIVE DATE \\n Date Plan Data is in effect. Must be in YYYYMMDD format. This field cannot be blank \\nnot allowed. \\n \\nGUARANTEED COI RATING (4 occurrences) \\n6. METHOD \\n Two position code describing the type of premium entry or the basis of the premium \\nentry. The METHOD is used to access the Premium Rate Factor File (available through \\nScreen 94). Input is required (in all four occurrences), valid values include: \\n 00 not used \\n 01 premium rate by flat amount per volume of coverage (included in \\nsubstandard premium calculations) \\n 02 first year additional deposit \\n 03 flat annual premium amount \\n 05 expense charge \\n 06 current and guaranteed COI by percentage of total target premium of all \\ninsureds\\u2019 coverages (included in substandard calculations) \\n 07 policy fee plus account value load defined on COI Ruleset \\n 08 pass requested payment amount for external calculation \\n 09 pass initial lump sum for external calculation \\n 10 pass requested payment amount and initial lump sum for external \\ncalculation \\n 11 premium rate by percentage of total premium of an insured\\u2019s coverages \\n(included in substandard calculations) \\n 13 premium rate by flat amount per volume of coverage (not included in \\nsubstandard premium calculation for substandard type 30) \\n 15 flat amount additional load (added to the fund at time of premium \\npayment and deducted at time of COI deduction) \\n20 premium rate by percentage of total COI of contract benefit amount = total \\nunits of contract, for use of SBCs only. SBC 20s benefit is total COI units \\non contract. \\n21 premium rate by percentage of total COI of contract benefit amount = total \\nunits of contract, for use of SBCs only. SBC 20s benefit is total COI on \\ncontract. \\n 50 premium rate by flat amount per volume of coverage (percent \\nsubstandard is a percent of first year COI rate) \\n 90 minimum premium\"",
"file_name": "System Reference-General Maintenance.pdf",
"page_label": "436"
},
{
"id": "4c8cabd5-bfff-4cf1-99c8-712464e4c799",
"text": "\"System Reference Manual \\n \\n \\n \\n\\u00a9 2023 NTT DATA, Inc. | Proprietary and Confidential | July 5, 2024 1624 \\n \\n \\n \\n15. STACKBY \\n See STACKBY codes for Plan File Maintenance (95) screen, 100-199/300 record, 3rd \\npage. \\n \\nNO LAPSE PREMIUM RATING \\u2013 TIER 4 \\n16. METHOD \\nThis field contains a two-position code describing the type of premium entry or the basis \\nof the premium entry. The METHOD is used to access the Premium Rate Factor File \\nwhich is available through Rate Maintenance (94) screen. Input is required (in all four \\noccurrences), valid values include: \\n 00 not used \\n 01 premium rate by flat amount per volume of coverage (included in \\nsubstandard premium calculations) \\n 02 first year additional deposit \\n 03 flat annual premium amount \\n 05 expense charge \\n 06 current and guaranteed COI by percentage of total target premium of all \\ninsureds\\u2019 coverages (included in substandard calculations) \\n 07 policy fee plus account value load defined on COI Ruleset \\n 08 pass requested payment amount for external calculation \\n 09 pass initial lump sum for external calculation \\n 10 pass requested payment amount and initial lump sum for external \\ncalculation \\n 11 premium rate by percentage of total premium of an insureds\\u2019 coverages \\n(included in substandard calculations) \\n 13 premium rate by flat amount per volume of coverage (not included in \\nsubstandard premium calculation for substandard type 30). \\n 15 flat amount additional load (added to the fund at time of premium \\npayment and deducted at time of COI deduction) \\n 20 premium rate by percentage of total COI of contract benefit amount = total \\nunits of contract, for use of SBC\\u2019s only \\n 50 premium rate by flat amount per volume of coverage (percent \\nsubstandard is a percent of first year COI rate) \\n 90 minimum premium \\n 91 maximum premium\"",
"file_name": "System Reference-General Maintenance.pdf",
"page_label": "456"
},
{
"id": "6bd0a82a-c6dd-4e66-8618-067834719844",
"text": "\"System Reference Manual \\n \\n \\n \\n\\u00a9 2023 NTT DATA, Inc. | Proprietary and Confidential | July 5, 2024 1606 \\n \\n \\n15. STACKBY \\n See STACKBY codes for TYPE \\u201c100\\u201d-\\u201c199\\u201d SUB TYPE \\u201c300\\u201d, Screen. \\n \\n16. GUARANTEED COI WP EXCLUSION TABLE \\n A table of up to 3 SBCs that may be excluded from the waiver of premium calculation. \\nThe exclusion is used only for waiver plans using premium rating method 11. \\n \\nNOTE: Excluded SBC\\u2019s should be coded on waiver\\u2019s plan record (i.e. Plan File Maintenance \\n(95) screen 120/302 record). \\n \\nCURRENT COI RATING (4 occurrences) \\n17. METHOD \\n Two position code describing the type of premium entry or the basis of the premium \\nentry. The METHOD is used to access the Premium Rate Factor File (available through \\n94 screen). Input is required (in all four occurrences), valid values include: \\n 00 not used \\n 01 premium rate by flat amount per volume of coverage (included in \\nsubstandard premium calculations) \\n 02 first year additional deposit \\n 03 flat annual premium amount \\n 05 expense charge \\n 06 current and guaranteed COI by percentage of total target premium of all \\ninsureds\\u2019 coverages (included in substandard calculations) \\n 07 policy fee plus account value load defined on COI Ruleset \\n 08 pass requested payment amount for external calculation \\n 09 pass initial lump sum for external calculation \\n 10 pass requested payment amount and initial lump sum for external \\ncalculation \\n 11 premium rate by percentage of total premium of an insureds\\u2019 coverages \\n(included in substandard calculations) \\n 13 premium rate by flat amount per volume of coverage (not included in \\nsubstandard premium calculation for substandard type 30). \\n 15 flat amount additional load (added to the fund at time of premium \\npayment and deducted at time of COI deduction) \\n 20 premium rate by percentage of total COI of contract benefit amount = total \\nunits of contract, for use of SBC\\u2019s only. SBC 20s benefit is total COI units \\nof contract \\n 21 premium rate by percentage of total COI of contract benefit amount = total \\nCOI of contract, for use of SBCs only. SBC 20s benefit is total COI \\namount on contract.\"",
"file_name": "System Reference-LifeSys System Reference.pdf",
"page_label": "1606"
},
{
"id": "f62ade81-8be2-4f26-8501-c87b27eb8316",
"text": "\"System Reference Manual \\n \\n \\n \\n\\u00a9 2023 NTT DATA, Inc. | Proprietary and Confidential | July 5, 2024 1606 \\n \\n \\n15. STACKBY \\n See STACKBY codes for TYPE \\u201c100\\u201d-\\u201c199\\u201d SUB TYPE \\u201c300\\u201d, Screen. \\n \\n16. GUARANTEED COI WP EXCLUSION TABLE \\n A table of up to 3 SBCs that may be excluded from the waiver of premium calculation. \\nThe exclusion is used only for waiver plans using premium rating method 11. \\n \\nNOTE: Excluded SBC\\u2019s should be coded on waiver\\u2019s plan record (i.e. Plan File Maintenance \\n(95) screen 120/302 record). \\n \\nCURRENT COI RATING (4 occurrences) \\n17. METHOD \\n Two position code describing the type of premium entry or the basis of the premium \\nentry. The METHOD is used to access the Premium Rate Factor File (available through \\n94 screen). Input is required (in all four occurrences), valid values include: \\n 00 not used \\n 01 premium rate by flat amount per volume of coverage (included in \\nsubstandard premium calculations) \\n 02 first year additional deposit \\n 03 flat annual premium amount \\n 05 expense charge \\n 06 current and guaranteed COI by percentage of total target premium of all \\ninsureds\\u2019 coverages (included in substandard calculations) \\n 07 policy fee plus account value load defined on COI Ruleset \\n 08 pass requested payment amount for external calculation \\n 09 pass initial lump sum for external calculation \\n 10 pass requested payment amount and initial lump sum for external \\ncalculation \\n 11 premium rate by percentage of total premium of an insureds\\u2019 coverages \\n(included in substandard calculations) \\n 13 premium rate by flat amount per volume of coverage (not included in \\nsubstandard premium calculation for substandard type 30). \\n 15 flat amount additional load (added to the fund at time of premium \\npayment and deducted at time of COI deduction) \\n 20 premium rate by percentage of total COI of contract benefit amount = total \\nunits of contract, for use of SBC\\u2019s only. SBC 20s benefit is total COI units \\nof contract \\n 21 premium rate by percentage of total COI of contract benefit amount = total \\nCOI of contract, for use of SBCs only. SBC 20s benefit is total COI \\namount on contract.\"",
"file_name": "System Reference-General Maintenance.pdf",
"page_label": "438"
},
{
"id": "31eb5edb-2a25-40c1-b4ad-2a96379fa087",
"text": "\"System Reference Manual \\n \\n \\n \\n\\u00a9 2022 NTT DATA, Inc. | Proprietary and Confidential | April 20 2020 996 \\n \\n \\n351 Def \\u2013 Death Benefit Only, Minor Beneficiary \\n417 Def \\u2013 Full Cash Refund \\n501 Def \\u2013 Life Only with Death Benefit \\n502 Def \\u2013 Life with Certain Period & Death Benefit \\n503 Def \\u2013 Certain Period Only with Death Benefit \\n504 Def \\u2013 CA Annuity, with Death Benefit \\n \\n3. MEASURED LIFE \\nThe MEASURED LIFE field contains codes to identify the measured life annuitant \\nassociated with a Structured Settlement contract. The measured life annuitant is the \\nperson upon whom the benefits associated with the contract are measured or dependent \\nupon. Life contingent benefits end immediately with the death of the Measured Life \\nannuitant. \\n \\nThe first four positions of this field, NAME/ADDRESS TYPE and PERSON ID, identify \\nthe Measured Life annuitant. For example, this field may contain \\u201cIN01\\u201d for \\ninsured/annuitant. The last ten positions identify the associated LifeSys policy number \\n(and rider code, if applicable). \\n \\nDEATH TRACKING \\n4. INITIAL DEATH BENEFIT \\nThis field contains the initial death benefit amount, or total benefit amount purchased, (if \\napplicable) for the benefit payment. \\n \\n5. DEATH BENEFIT INT RATE \\nThis is a client specific interest rate associated with the death benefit for the benefit \\npayment. This rate is formatted 9.9999, where \\u201c1.0000\\u201d represents 100%. \\n \\n6. REMAINING DEATH BENEFIT \\nThe death benefit amount is reduced as benefit payments are made. This field contains \\nthe remaining death benefit amount which may be reduced by the entire benefit payment \\namount or by a portion of the benefit payment amount, depending upon the Annuity \\nType. \\n \\n7. DEATH BENEFIT INT START \\nThis field contains the date upon which interest begins to accrue on the death benefit. \\nThis date is formatted YYYYMMDD. This value is used for reserve reporting and \\ncalculations. \\n \\n8. DEATH BENEFIT END\"",
"file_name": "System Reference-Repetitive Pay.pdf",
"page_label": "31"
},
{
"id": "9513866b-f125-4b35-9e12-f1c9ab41a43f",
"text": "\"System Reference Manual \\n \\n \\n \\n\\u00a9 2023 NTT DATA, Inc. | Proprietary and Confidential | July 5, 2024 1558 \\n \\n \\n4. SUB TYPE \\n Subtype of plan record. Do not enter on this screen. \\n \\n5. EFFECTIVE DATE \\n Date plan data is in effect. Do not enter on this screen. \\n \\nCURRENT PREMIUM RATING ENTRIES \\n6. METHOD \\n This field contains a two position code describing the type of premium entry or the basis \\nof the premium entry. The METHOD is used to access the Premium Rate Factor File \\n(available through 94 screen). Input is required (in all four occurrences), valid values \\ninclude: \\n 00 not used \\n 01 premium rate by flat amount per volume of coverage (included in \\nsubstandard premium calculations) \\n 02 first year additional deposit \\n 03 flat annual premium amount \\n 05 expense charge \\n 06 waiver of target - COI rate by percentage of total target premium of all \\ninsureds coverages (allowed on current and guaranteed COI tables only) \\n(included in substandard calculations) \\n 07 policy fee plus account value load defined on COI Ruleset \\n 08 pass requested payment amount for external calculation \\n 09 pass initial lump sum for external calculation \\n 10 pass requested payment amount and initial lump sum for external \\ncalculation \\n 11 premium rate by percentage of total premium of an insureds\\u2019 coverages \\n(included in substandard calculations) \\n 13 premium rate by flat amount per volume of coverage (not included in \\nsubstandard premium calculation for substandard type 30) \\n 14 mode policy fee \\n 15 flat amount additional load (added to the fund at time of premium \\npayment and deducted at time of COI deduction) \\n 16 minimum and target premium rate by percentage of total target premium \\nof all insured\\u2019s coverages, excluding waiver \\n 18 used only for return of premium defined as an additional benefit. The \\npremium rate (defined as a dollar amount) x the total of the premium for \\nthe insured\\u2019s basic coverage + all other coverages defined as additional \\nbenefits (excludes any other SBC\\u2019s and charge codes) \\n 50 premium rate by flat amount per volume of coverage (percent \\nsubstandard is a percent of first year COI rate)\"",
"file_name": "System Reference-General Maintenance.pdf",
"page_label": "390"
},
{
"id": "f30abd38-6d95-4bc3-be27-a336391cd640",
"text": "\"System Reference Manual \\n \\n \\n \\n\\u00a9 2023 NTT DATA, Inc. | Proprietary and Confidential | July 5, 2024 1558 \\n \\n \\n4. SUB TYPE \\n Subtype of plan record. Do not enter on this screen. \\n \\n5. EFFECTIVE DATE \\n Date plan data is in effect. Do not enter on this screen. \\n \\nCURRENT PREMIUM RATING ENTRIES \\n6. METHOD \\n This field contains a two position code describing the type of premium entry or the basis \\nof the premium entry. The METHOD is used to access the Premium Rate Factor File \\n(available through 94 screen). Input is required (in all four occurrences), valid values \\ninclude: \\n 00 not used \\n 01 premium rate by flat amount per volume of coverage (included in \\nsubstandard premium calculations) \\n 02 first year additional deposit \\n 03 flat annual premium amount \\n 05 expense charge \\n 06 waiver of target - COI rate by percentage of total target premium of all \\ninsureds coverages (allowed on current and guaranteed COI tables only) \\n(included in substandard calculations) \\n 07 policy fee plus account value load defined on COI Ruleset \\n 08 pass requested payment amount for external calculation \\n 09 pass initial lump sum for external calculation \\n 10 pass requested payment amount and initial lump sum for external \\ncalculation \\n 11 premium rate by percentage of total premium of an insureds\\u2019 coverages \\n(included in substandard calculations) \\n 13 premium rate by flat amount per volume of coverage (not included in \\nsubstandard premium calculation for substandard type 30) \\n 14 mode policy fee \\n 15 flat amount additional load (added to the fund at time of premium \\npayment and deducted at time of COI deduction) \\n 16 minimum and target premium rate by percentage of total target premium \\nof all insured\\u2019s coverages, excluding waiver \\n 18 used only for return of premium defined as an additional benefit. The \\npremium rate (defined as a dollar amount) x the total of the premium for \\nthe insured\\u2019s basic coverage + all other coverages defined as additional \\nbenefits (excludes any other SBC\\u2019s and charge codes) \\n 50 premium rate by flat amount per volume of coverage (percent \\nsubstandard is a percent of first year COI rate)\"",
"file_name": "System Reference-LifeSys System Reference.pdf",
"page_label": "1558"
},
{
"id": "c661bdcb-6ea3-4687-b7b1-4394ff62789e",
"text": "\"System Reference Manual \\n \\n \\n \\n\\u00a9 2022 NTT DATA, Inc. | Proprietary and Confidential | April 20 2020 312 \\n \\n \\n14. TYP (R) \\n Three digit code referring to the type of coverage. Valid types are controlled by the \\nSupplemental Coverage Ruleset Screen and are user-defined. \\n \\n15. BENEFIT DESC. (D) \\n Thirteen character description referring to the type of coverage. Controlled by the \\nSupplemental Coverage Ruleset Screen. \\n \\nThe benefit amount is included in the death benefit when the description is defined as a \\nCost of Living Adjustment (COLA). \\n \\n16. COV DESC. (D) \\n Twelve character description referring to the covered individuals. Controlled by the \\nSupplemental Coverage Ruleset Screen. \\n \\n17. BENEFIT (R) \\n This field indicates the face amount of coverage for the specified period. \\n \\nThe benefit amount is included in the death benefit when the description is defined as a \\nCost of Living Adjustment (COLA). \\n \\n18. UNITS (D) \\n This field indicates the units of coverage on the additional benefit. \\n \\n19. PREMIUM \\n Amount of BENEFIT premium for the specified coverage period. This field is required for \\nPolicy Administration, and will be calculated for New Business. \\n \\n20. BEG DATE \\n This is the beginning date of the coverage period, in MMDDYYYY format. \\n \\n21. END DATE \\n This is the ending date of the coverage period, in MMDDYYYY format. \\n \\nExiting \\nTo exit from the Additional Benefit Maintenance (21/C) screen, type \\u201cX\\u201d in the ACTION field and \\npress the Enter key. You may press the F8 key to exit as well. \\n \\n Revised Q401\"",
"file_name": "System Reference-Policy Maintenance.pdf",
"page_label": "117"
},
{
"id": "28c7f1d0-0828-44bb-9b43-f4e988f96e28",
"text": "\"Valid values are:\\r\\\"A\\\" - specified by age\\r\\\"M\\\" - specified in months\\u0007X.\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007 57O.\\u0007ACC-BEN-N1\\rBenefit period for accident occurrence one.\\u0007S9(3).\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007 57P.\\u0007SICK-BENRULE-N1\\rSickness benefit period rule occurrence one. Valid values are:\\r\\\"A\\\" - specified by age\\r\\\"M\\\" - specified in months\\u0007X.\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007 57Q.\\u0007SICK-BEN-N1\\rBenefit period for sickness occurrence one.\\u0007S9(3).\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007 57R.\\u0007SICK-ELIM-N1\\rElimination period for sickness occurrence one.\\u0007S9(3).\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007 57S.\\u0007ACC-ELIM-N1\\rElimnation period for accident in days.\\u0007S9(3).\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007 57T.\\u0007MIN-PREM-N1\\rFirst premium due when different than first mode premium, occurrence one.\\u0007S9(7)V99 C3.\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007 57U.\\u0007MOD-PREM-N1\\rModal coverage premium occurrence one.\\u0007S9(7)V99 C3.\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007 57V1.\\u0007PREMS-N1\\rThe following is a table of four occurrences of fields \\\"PREM-N1\\\" through \\\"PREMTYPE-N1\\\", for X(7) per occurrence. These fields occur four times within the larger table of ten occurrences.\\u0007X(28).\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007 57V2.\\u0007PREM-N1\\rPremium amount occurrence one.\\u0007S9(7)V99 C3.\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u000757V3.\\u0007PREMTYPE-N1\\rPremium type occurrence one. Valid values are:\\r\\\"00\\\" - not used\\u000799.\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\\"01\\\" - annual coverage premium. Rate by flat amount per volume\\r\\\"02\\\" - first year additional deposit\\r\\\"03\\\" - load percentage rate\\r\\\"04\\\" - add-on rate\\r\\\"05\\\" - expense charge rate\\r\\\"06\\\" - premium rate by percentage of total premium of all insured's coverage\\r\\\"07\\\" - policy fee\\r\\\"08\\\" - pass requested payment amount for external calculation\\r\\\"09\\\" - pass initial lump sum for external calculation\\r\\\"10\\\" - pass requested payment amount and initial lump sum for external calculation\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\\"11\\\" - premium rate by percentage of total premium of an insureds' coverages\\r\\\"12\\\" - first year minimum premium. Calculated as ((COI + surrender) / (1 - Front End Load)) - COI - policy fee\\r\\\"13\\\" - premium rate by flat amount per volume of coverage, like method 01 except not included in substandard premium calculation\\r\\\"14\\\" - mode policy fee\\r\\\"15\\\" - first minimum premium due. The greater of (annual requested payment + initial lump sum requested / minimum premium payment period) and total annual COI premium, modalized by bill code\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\\"16\\\" - premium rate by percentage of total target premium of all insureds' coverages\\r\\\"90\\\" - minimum premium\\r\\\"91\\\" - maximum premium\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007 57V4.\\u0007Entry occurrences 2-4 of fields \\\"PREM-N1\\\" above, for X(7) per occurrence. These occurrences are within the larger table of ten occurrences.\\u0007X(21).\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007 57W.\\u0007COVERAGE-SUBSTAN-N1\\rThe following is a table of two occurrences of fields \\\"SS-TYPE-N1\\\" through \\\"SS-PREM-N1\\\", and the reserved space after, for X(25) per occurrence. These fields occur two times within the larger table of ten occurrences.\\u0007X(50).\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u000757W1.\\u0007SS-TYPE-N1\\rUnderwriting substandard rating decision occurrence one.\""
},
{
"id": "9608100c-b73d-41ed-94d7-833a9d3f7f2a",
"text": "\"System Reference Manual \\n \\n \\n \\n\\u00a9 2022 NTT DATA, Inc. | Proprietary and Confidential | April 20 2020 316 \\n \\n \\n16. COV DESC. (D) \\n This field contains a description referring to the covered individuals. Controlled by the \\nSupplemental Coverage Ruleset Screen. \\n \\n17. BENEFIT (R) \\n This value is the face amount of coverage for the specified period. \\n \\nThe benefit amount is included in the death benefit when the description is defined as a \\nCost of Living Adjustment (COLA). \\n \\n18. UNITS (D) \\n This value is the units of coverage on the additional benefit. \\n \\n19. PREMIUM (D) \\n This value is the amount of benefit premium for the specified coverage period. This field \\nis required for Policy Administration, and will be calculated for New Business. \\n \\n20. BEG DATE (D) \\n This date is the beginning date of the coverage period in MMDDYYYY format. \\n \\n21. END DATE (D) \\n This date is the ending date of the coverage period in MMDDYYYY format. \\n \\nDuplicate Coverage for SSN section: \\n22. SSN (D) \\n This field contains the social security number of the insured or policy owner with \\nduplicate coverage. \\n \\n23. POLICYID (D) \\n This field contains the duplicate coverage policy ID. Ten-position field including rider \\ncode. \\n \\n24. TYPE (D) \\n Duplicate coverage type. Three digit code referring to the type of coverage. Valid types \\nare controlled by the Supplemental Coverage Ruleset Screen and are user defined. \\n \\n25. COVRULE (D) \\n Duplicate coverage Ruleset name. Controlled by the Supplemental Coverage Ruleset \\nScreen.\"",
"file_name": "System Reference-Policy Maintenance.pdf",
"page_label": "121"
},
{
"id": "1f13079e-351a-43d1-ae01-f490ab798881",
"text": "\"System Reference Manual \\n \\n \\n \\n\\u00a9 2023 NTT DATA, Inc. | Proprietary and Confidential | July 5, 2024 314 \\n \\n \\n14. TYP (R) \\n Three digit code referring to the type of coverage. Valid types are controlled by the \\nSupplemental Coverage Ruleset Screen and are user-defined. \\n \\n15. BENEFIT DESC. (D) \\n Thirteen character description referring to the type of coverage. Controlled by the \\nSupplemental Coverage Ruleset Screen. \\n \\nThe benefit amount is included in the death benefit when the description is defined as a \\nCost of Living Adjustment (COLA). \\n \\n16. COV DESC. (D) \\n Twelve character description referring to the covered individuals. Controlled by the \\nSupplemental Coverage Ruleset Screen. \\n \\n17. BENEFIT (R) \\n This field indicates the face amount of coverage for the specified period. \\n \\nThe benefit amount is included in the death benefit when the description is defined as a \\nCost of Living Adjustment (COLA). \\n \\n18. UNITS (D) \\n This field indicates the units of coverage on the additional benefit. \\n \\n19. PREMIUM \\n Amount of BENEFIT premium for the specified coverage period. This field is required for \\nPolicy Administration, and will be calculated for New Business. \\n \\n20. BEG DATE \\n This is the beginning date of the coverage period, in MMDDYYYY format. \\n \\n21. END DATE \\n This is the ending date of the coverage period, in MMDDYYYY format. \\n \\nExiting \\nTo exit from the Additional Benefit Maintenance (21/C) screen, type \\u201cX\\u201d in the ACTION field and \\npress the Enter key. You may press the F8 key to exit as well. \\n \\n Revised Q401\"",
"file_name": "System Reference-LifeSys System Reference.pdf",
"page_label": "314"
},
{
"id": "770a4ae3-85db-4d0c-b00d-eb585aa4a9a7",
"text": "\"System Reference Manual \\n \\n \\n \\n\\u00a9 2023 NTT DATA, Inc. | Proprietary and Confidential | July 5, 2024 318 \\n \\n \\n16. COV DESC. (D) \\n This field contains a description referring to the covered individuals. Controlled by the \\nSupplemental Coverage Ruleset Screen. \\n \\n17. BENEFIT (R) \\n This value is the face amount of coverage for the specified period. \\n \\nThe benefit amount is included in the death benefit when the description is defined as a \\nCost of Living Adjustment (COLA). \\n \\n18. UNITS (D) \\n This value is the units of coverage on the additional benefit. \\n \\n19. PREMIUM (D) \\n This value is the amount of benefit premium for the specified coverage period. This field \\nis required for Policy Administration, and will be calculated for New Business. \\n \\n20. BEG DATE (D) \\n This date is the beginning date of the coverage period in MMDDYYYY format. \\n \\n21. END DATE (D) \\n This date is the ending date of the coverage period in MMDDYYYY format. \\n \\nDuplicate Coverage for SSN section: \\n22. SSN (D) \\n This field contains the social security number of the insured or policy owner with \\nduplicate coverage. \\n \\n23. POLICYID (D) \\n This field contains the duplicate coverage policy ID. Ten-position field including rider \\ncode. \\n \\n24. TYPE (D) \\n Duplicate coverage type. Three digit code referring to the type of coverage. Valid types \\nare controlled by the Supplemental Coverage Ruleset Screen and are user defined. \\n \\n25. COVRULE (D) \\n Duplicate coverage Ruleset name. Controlled by the Supplemental Coverage Ruleset \\nScreen.\"",
"file_name": "System Reference-LifeSys System Reference.pdf",
"page_label": "318"
},
{
"id": "5d2aafd7-9f6e-4455-a78f-8526ae560322",
"text": "\"System Reference Manual \\n \\n \\n \\n\\u00a9 2022 NTT DATA, Inc. | Proprietary and Confidential | April 20 2020 315 \\n \\n \\n7. DUE DATE (D) \\n This field indicates the date premiums for the policy are due in MMDDYYYY format. \\n \\n8. MODE (D) \\n Two-digit code for premium billing frequency. Refer to Policy Payment Mode table in the \\nGeneral Information manual. \\n \\n9. UNITS (D) \\n This field indicates the units of coverage on the base policy. \\n \\n10. ELIM PERIOD ACC (D) \\n Accident elimination period. \\n \\n11. ELIM PERIOD SICK (D) \\n Sickness elimination period. \\n \\n12. BASIC (D) \\n Basic premium amount for the coverage period. \\n \\n13. PC (D) \\n Two-digit Payment/Collection code. Refer to the Policy Payment Code table in the \\nGeneral Information Manual. \\n \\n13. FACE (D) \\n This value is the base policy face amount. \\n \\n14. TYP (R) \\n This is a three digit code referring to the type of coverage. Valid types are controlled by \\nthe Supplemental Coverage Ruleset Screen and are user-defined. \\n \\n15. BENEFIT DESC. (D) \\n This field contains a description referring to the type of coverage. Controlled by the \\nSupplemental Coverage Ruleset Screen. \\n \\nThe benefit amount is included in the death benefit when the description is defined as a \\nCost of Living Adjustment (COLA).\"",
"file_name": "System Reference-Policy Maintenance.pdf",
"page_label": "120"
},
{
"id": "27f25278-086a-4ab5-8c2d-d57b0cb998c4",
"text": "\"System Reference Manual \\n \\n \\n \\n\\u00a9 2023 NTT DATA, Inc. | Proprietary and Confidential | July 5, 2024 317 \\n \\n \\n7. DUE DATE (D) \\n This field indicates the date premiums for the policy are due in MMDDYYYY format. \\n \\n8. MODE (D) \\n Two-digit code for premium billing frequency. Refer to Policy Payment Mode table in the \\nGeneral Information manual. \\n \\n9. UNITS (D) \\n This field indicates the units of coverage on the base policy. \\n \\n10. ELIM PERIOD ACC (D) \\n Accident elimination period. \\n \\n11. ELIM PERIOD SICK (D) \\n Sickness elimination period. \\n \\n12. BASIC (D) \\n Basic premium amount for the coverage period. \\n \\n13. PC (D) \\n Two-digit Payment/Collection code. Refer to the Policy Payment Code table in the \\nGeneral Information Manual. \\n \\n13. FACE (D) \\n This value is the base policy face amount. \\n \\n14. TYP (R) \\n This is a three digit code referring to the type of coverage. Valid types are controlled by \\nthe Supplemental Coverage Ruleset Screen and are user-defined. \\n \\n15. BENEFIT DESC. (D) \\n This field contains a description referring to the type of coverage. Controlled by the \\nSupplemental Coverage Ruleset Screen. \\n \\nThe benefit amount is included in the death benefit when the description is defined as a \\nCost of Living Adjustment (COLA).\"",
"file_name": "System Reference-LifeSys System Reference.pdf",
"page_label": "317"
},
{
"id": "0bbea2a5-ae0d-4f38-8481-482063ad4adc",
"text": "\"Rulesets Manual \\n \\n \\n \\n\\u00a9 2022 NTT DATA, Inc. | Proprietary and Confidential | September 12, 2024 288 \\n \\n \\n \\nEFFECTIVE DATE \\nThis is the date plan data is in effect. The date must be MMDDYYYY format. This field \\ncannot be blank. \\n \\nAS OF DATE \\nThis is the issue date of the policy when coming from any of the Policy Maintenance \\nseries of screens. \\n \\nLUMP SUM DEATH BENEFIT CONTROLS \\nCALCULATION METHOD \\nThis field indicates the base used in calculation of the GMDB rider death benefit. Valid \\nvalues are: \\nBlank or 01 Use Lump Sum and Annuitization benefit controls to calculate \\ndeath benefit \\n02 Use Guarantee Minimum Withdrawal Benefit (GMWB) rider \\nincome base as death benefit base \\n \\nIf the CALCULATION METHOD is \\u201c02\\u201d for LUMP SUM CONTROLS, the \\nCALCULATION METHOD must be \\u201c02\\u201d for ANNUITIZATION CONTROLS also. \\n \\nBENEFIT BEGIN \\nThis field indicates the length of time (in years) before the death benefit is calculated and \\navailable. Valid values are: \\nBlank Not applicable \\n01-99 Number of years \\n \\nBENEFIT PERCENT \\nThis field indicates Enhanced Death Benefit Factor used in calculating the Enhanced \\nDeath Benefit Amount. Valid values are 0.0000-1.0000 or blank. \\n \\nACCUMULATION PERIOD \\nThis field indicates the accumulation period in years. This is the period that the bonus \\nwill grow. Valid values are: \\nBlank Not applicable \\n01-99 Number of years\"",
"file_name": "Rulesets Manual.pdf",
"page_label": "288"
},
{
"id": "c1d8a023-ded4-41a8-9c06-10a65f5d3507",
"text": "\"Valid values are:\\r\\\"001\\\" - not required\\r\\\"002\\\" - use method = c (bom, pac, eft) and mode = 4 (quarterly)\\r\\\"003\\\" - use method = d (salsa) and mode = 4 (quarterly)\\r\\\"004\\\" - use method = 02 and mode = 12 (monthly)\\r\\\"005\\\" - use method = 05 and mode = 12 (monthly)\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007100 - guaranteed premium code. Valid values are:\\r\\\"001\\\" - not required\\r\\\"002\\\" - calculate guaranteed premium\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007101 - guideline premium calculation code. Valid values are:\\r\\\"001\\\" - not required\\r\\\"002\\\" - calculate guideline premium\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007102 - surrender charge premium code. Valid values are:\\r\\\"001\\\" - not required\\r\\\"002\\\" - calculate surrender charge premium\\r003 equals target premium\\r004 equals minimum premium\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007103 - face amount/monthly benefit or units printing on policy pages code. Valid values are:\\r\\\"001\\\" - not required or don't print\\r\\\"002\\\" - print face amount/monthly benefit on policy pages\\r\\\"003\\\" - print units on policy pages\\r\\\"004\\\" - print ultimate face amount/monthly benefit on policy pages from face amount field\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007104 - annual premium/cost of benefit printing on policy pages code. Valid values are:\\r\\\"001\\\" - not required or don't print\\r\\\"002\\\" - print annual premium on policy pages\\r\\\"003\\\" - print cost of benefit as a percentage = annual premium of prior coverage/annual premium of this coverage rounded (.0758 would be printed as 7.6%)\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007105 - special wording for percent of monthly deduction on policy pages code. Valid values are:\\r\\\"001\\\" - not required\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\\"002\\\" - print message *percent of monthly deduction - see monthly deduction rider for explanation. on policy pages (printed in connection with occurrence 104 code \\\"003\\\")\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007106 - critical/change date wording on conversion to policy system code. Note that these values are actually used in NBS299 which stores the actual message and applies it to the CG. Valid values are:\\r001 - not required\\r002 - use message APPLY PREMIUM CHARGE\\r003 - use message FUND REINVESTMENT\\r004 - use message ROP BENEFIT PAYOUT\\r005 - use message MAKE RSA, CHG PLAN OPT AND BLK\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007107 - set critical/change date based on the following method code. Valid values are:\\r001 - not required\\r002 - advance issue date by number of years specified in occurrence 108\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007108 - value for calculating critical/change date. This field contains any numeric value when used. Initialization of one is acceptable.\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007109 GI AMT\\rThis field contains a three-digit code used to determine if a check should be performed to determine if GI (guaranteed issue) limits have been exceeded before validating the height/weight limits. Valid values are:\\r001 Not required\\r002 - Required\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007109110 - Currently not in use. Must be 001.\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007111 - cost index indicator code. Valid values are:\\r\\\"001\\\" - not required\\r\\\"002\\\" - calculate cost index\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007112 - schedule of total premium calculation on policy pages code. Used for annual, semi-annual and quarterly premiums only. Valid values are:\\r\\\"001\\\" - not required\\r\\\"002\\\" - calculate using policy billing method.\\r\\\"003\\\" - calculate using \\\"01\\\" billing method as a substitute method.\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007113115 - Currently not in use. Must be 001.\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007116 - Minimum premium payment period amount.\""
},
{
"id": "b47bd655-dca3-4f33-b71f-32994417c858",
"text": "\"Valid values are:\\r\\\"001\\\" - required\\r\\\"002\\\"- not required\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u000711 - rated or declined question code. Valid values are:\\r\\\"001\\\" - required\\r\\\"002\\\" - not required\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u000712 - hazardous activity question code. Valid values are:\\r\\\"001\\\" - required\\r\\\"002\\\" - not required\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u000713 - aviation activity question code. Valid values are:\\r\\\"001\\\" - required\\r\\\"002\\\" - not required\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u000714 - underwriting class question code. Valid values are:\\r\\\"001\\\" - required\\r\\\"002\\\" - not required\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u000715 - Currently not in use. Must be 001.\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u000716 - occupational risk code. Valid values are:\\r\\\"001\\\" - required\\r\\\"002\\\" - not required\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u000717 - occupation class code. Valid values are:\\r\\\"001\\\" - required\\r\\\"002\\\" - not required\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u000718 - occupation type code. Valid values are:\\r\\\"001\\\" - required\\r\\\"002\\\" - not required\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u000719 - accident benefit period and rule code. Valid values are:\\r\\\"001\\\" - required\\r\\\"002\\\" - not required at time of data entry\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u000720 - sickness benefit period and rule code. Valid values are:\\r\\\"001\\\" - required\\r\\\"002\\\" - not required at time of data entry\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u000721 - accident elimination period code. Valid values are:\\r\\\"001\\\"- required\\r\\\"002\\\" - not required\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u000722 - sickness elimination period code. Valid values are:\\r\\\"001\\\" - required\\r\\\"002\\\" - not required\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u000723 - first coverage amount compare code, indicating whether or not to compare the requested payment against either COI, minimum or target premium. Used only on plans that allows flexible billing. Valid values are:\\r\\\"001\\\" - use requested payment as is \\r\\\"002\\\" - COI\\r\\\"003\\\" - COI plus initial lump sum\\r\\\"004\\\" - minimum\\r\\\"005\\\" - minimum plus initial lump sum\\r\\\"006\\\" - target\\r\\\"007\\\" - target plus initial lump sum\\r\\\"008\\\" - current premium\\r\\\"009\\\" - current premium plus initial lump sum\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u000724 - benefit option code. Valid values are:\\r\\\"001\\\" - required\\r\\\"002\\\" - not required\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u000725 - cvat/corr method. Valid values are:\\r001 - use CVAT factors, if they exist, for the COI and death benefit calculations. If not CVAT factors, use TEFRA/DEFRA factors for both calculations. 001 is the default value.\\r002 - use CVAT factors for death benefit calculations and TEFRA/DEFRA factors for NAR in the COI calculations.\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u000726 - CVAT PREM LIMIT. Valid values are:\\r\\\"001\\\" Do not limit premiums based on CVAT. \\r\\\"002\\\" Limit premiums based on CVAT. Do not increase death benefit.\\r003 Do not limit premiums based on CVAT. Display a warning message and increase the death benefit.\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u000727 GUIDELINE PREMIUM RECALCULATION CODE. Valid values are:\\r001 not required\\r002 Recalculate guideline premiums using cash value retrospective method\\r003 Recalculate guideline premiums using the Dole-Bentsen prospective method\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u000728 - cash with application requirement code.\""
},
{
"id": "e15a56f3-f37b-4cad-98bb-6b460a9e23a7",
"text": "\"System Reference Manual \\n \\n \\n \\n\\u00a9 2023 NTT DATA, Inc. | Proprietary and Confidential | July 5, 2024 1017 \\n \\n \\n351 Def \\u2013 Death Benefit Only, Minor Beneficiary \\n417 Def \\u2013 Full Cash Refund \\n501 Def \\u2013 Life Only with Death Benefit \\n502 Def \\u2013 Life with Certain Period & Death Benefit \\n503 Def \\u2013 Certain Period Only with Death Benefit \\n504 Def \\u2013 CA Annuity, with Death Benefit \\n \\n3. MEASURED LIFE \\nThe MEASURED LIFE field contains codes to identify the measured life annuitant \\nassociated with a Structured Settlement contract. The measured life annuitant is the \\nperson upon whom the benefits associated with the contract are measured or dependent \\nupon. Life contingent benefits end immediately with the death of the Measured Life \\nannuitant. \\n \\nThe first four positions of this field, NAME/ADDRESS TYPE and PERSON ID, identify \\nthe Measured Life annuitant. For example, this field may contain \\u201cIN01\\u201d for \\ninsured/annuitant. The last ten positions identify the associated LifeSys policy number \\n(and rider code, if applicable). \\n \\nDEATH TRACKING \\n4. INITIAL DEATH BENEFIT \\nThis field contains the initial death benefit amount, or total benefit amount purchased, (if \\napplicable) for the benefit payment. \\n \\n5. DEATH BENEFIT INT RATE \\nThis is a client specific interest rate associated with the death benefit for the benefit \\npayment. This rate is formatted 9.9999, where \\u201c1.0000\\u201d represents 100%. \\n \\n6. REMAINING DEATH BENEFIT \\nThe death benefit amount is reduced as benefit payments are made. This field contains \\nthe remaining death benefit amount which may be reduced by the entire benefit payment \\namount or by a portion of the benefit payment amount, depending upon the Annuity \\nType. \\n \\n7. DEATH BENEFIT INT START \\nThis field contains the date upon which interest begins to accrue on the death benefit. \\nThis date is formatted YYYYMMDD. This value is used for reserve reporting and \\ncalculations. \\n \\n8. DEATH BENEFIT END\"",
"file_name": "System Reference-LifeSys System Reference.pdf",
"page_label": "1017"
},
{
"id": "31eb5edb-2a25-40c1-b4ad-2a96379fa087",
"text": "\"System Reference Manual \\n \\n \\n \\n\\u00a9 2022 NTT DATA, Inc. | Proprietary and Confidential | April 20 2020 996 \\n \\n \\n351 Def \\u2013 Death Benefit Only, Minor Beneficiary \\n417 Def \\u2013 Full Cash Refund \\n501 Def \\u2013 Life Only with Death Benefit \\n502 Def \\u2013 Life with Certain Period & Death Benefit \\n503 Def \\u2013 Certain Period Only with Death Benefit \\n504 Def \\u2013 CA Annuity, with Death Benefit \\n \\n3. MEASURED LIFE \\nThe MEASURED LIFE field contains codes to identify the measured life annuitant \\nassociated with a Structured Settlement contract. The measured life annuitant is the \\nperson upon whom the benefits associated with the contract are measured or dependent \\nupon. Life contingent benefits end immediately with the death of the Measured Life \\nannuitant. \\n \\nThe first four positions of this field, NAME/ADDRESS TYPE and PERSON ID, identify \\nthe Measured Life annuitant. For example, this field may contain \\u201cIN01\\u201d for \\ninsured/annuitant. The last ten positions identify the associated LifeSys policy number \\n(and rider code, if applicable). \\n \\nDEATH TRACKING \\n4. INITIAL DEATH BENEFIT \\nThis field contains the initial death benefit amount, or total benefit amount purchased, (if \\napplicable) for the benefit payment. \\n \\n5. DEATH BENEFIT INT RATE \\nThis is a client specific interest rate associated with the death benefit for the benefit \\npayment. This rate is formatted 9.9999, where \\u201c1.0000\\u201d represents 100%. \\n \\n6. REMAINING DEATH BENEFIT \\nThe death benefit amount is reduced as benefit payments are made. This field contains \\nthe remaining death benefit amount which may be reduced by the entire benefit payment \\namount or by a portion of the benefit payment amount, depending upon the Annuity \\nType. \\n \\n7. DEATH BENEFIT INT START \\nThis field contains the date upon which interest begins to accrue on the death benefit. \\nThis date is formatted YYYYMMDD. This value is used for reserve reporting and \\ncalculations. \\n \\n8. DEATH BENEFIT END\"",
"file_name": "System Reference-Repetitive Pay.pdf",
"page_label": "31"
},
{
"id": "3b66840d-d9f9-48b3-921d-6f99ad336fef",
"text": "\"System Reference Manual \\n \\n \\n \\n\\u00a9 2022 NTT DATA, Inc. | Proprietary and Confidential | April 20 2020 1115 \\n \\n \\n 099 The maximum has been paid for this benefit \\n 100 The maximum has been paid for this period of sickness \\n 101 The maximum lifetime benefit for cancer has been paid \\n 102 This claim payment represents maximum benefits payable \\n 103 Lapsed, after grace period \\n 104 Lapsed, no grace period (ETI or RPU) \\n 105 Policy continues if premiums are paid and you do not cancel \\n 106 Stop payment has been placed on original check \\n 107 Thank you for keeping your coverage with our company \\n 108 The full overpaid amount was deducted from this claim \\n 109 Asphyiation from inhalation of gas/voluntary or involuntary \\n 110 Part A deductible previously paid for this hospital stay \\n 111 The deductible was previously paid in this calendar year \\n 112 This is a duplicate, previously applied to your deductible \\n 113 This is a duplicate bill, previously paid to the Insured \\n 114 This is a duplicate bill, previously paid to the Provider \\n 115 This is a duplicate charge, previously submitted \\n E01 Benefits were coordinated with your primary insurer \\n E02 Explanation of non-payment will follow under separate cover \\n E03 Explanation of the remaining charges submitted will follow \\n E04 Letter of explanation will follow under separate cover \\n E05 One day has been applied to the elimination period \\n E06 Part of an overpayment was deducted from this claim \\n E07 Payment for medical records after hospital retrieval fee \\n E08 Payment is for medical records \\n E09 Payment is for difference between U&C and eligible expense \\n E10 Payment is the result of a review showing additional benefits \\n E11 Payment made according to policy cancer screening benefit \\n E12 Payment per your assignment. Please pay overage to insured. \\n E13 Payment represents your share of the available benefit \\n E14 Per certificate, coverage terminates with this claim payment \\n E15 Plan allows for payment of the highest visit per day \\n E16 Plan pays one surgery, the greatest, per period of sickness \\n E17 Premium previously refunded was deducted from this claim \\n E18 Premiums previously refunded was deducted from this claim \\n E19 Procedure reduced per policy provisions see next line \\n E20 Procedure reduced per review of x-rays by our consultant\"",
"file_name": "System Reference-Claims.pdf",
"page_label": "40"
},
{
"id": "c1265051-625e-4cf1-ac8d-c0bb4303cb25",
"text": "\"System Reference Manual \\n \\n \\n \\n\\u00a9 2023 NTT DATA, Inc. | Proprietary and Confidential | July 5, 2024 1139 \\n \\n \\n 099 The maximum has been paid for this benefit \\n 100 The maximum has been paid for this period of sickness \\n 101 The maximum lifetime benefit for cancer has been paid \\n 102 This claim payment represents maximum benefits payable \\n 103 Lapsed, after grace period \\n 104 Lapsed, no grace period (ETI or RPU) \\n 105 Policy continues if premiums are paid and you do not cancel \\n 106 Stop payment has been placed on original check \\n 107 Thank you for keeping your coverage with our company \\n 108 The full overpaid amount was deducted from this claim \\n 109 Asphyiation from inhalation of gas/voluntary or involuntary \\n 110 Part A deductible previously paid for this hospital stay \\n 111 The deductible was previously paid in this calendar year \\n 112 This is a duplicate, previously applied to your deductible \\n 113 This is a duplicate bill, previously paid to the Insured \\n 114 This is a duplicate bill, previously paid to the Provider \\n 115 This is a duplicate charge, previously submitted \\n E01 Benefits were coordinated with your primary insurer \\n E02 Explanation of non-payment will follow under separate cover \\n E03 Explanation of the remaining charges submitted will follow \\n E04 Letter of explanation will follow under separate cover \\n E05 One day has been applied to the elimination period \\n E06 Part of an overpayment was deducted from this claim \\n E07 Payment for medical records after hospital retrieval fee \\n E08 Payment is for medical records \\n E09 Payment is for difference between U&C and eligible expense \\n E10 Payment is the result of a review showing additional benefits \\n E11 Payment made according to policy cancer screening benefit \\n E12 Payment per your assignment. Please pay overage to insured. \\n E13 Payment represents your share of the available benefit \\n E14 Per certificate, coverage terminates with this claim payment \\n E15 Plan allows for payment of the highest visit per day \\n E16 Plan pays one surgery, the greatest, per period of sickness \\n E17 Premium previously refunded was deducted from this claim \\n E18 Premiums previously refunded was deducted from this claim \\n E19 Procedure reduced per policy provisions see next line \\n E20 Procedure reduced per review of x-rays by our consultant\"",
"file_name": "System Reference-LifeSys System Reference.pdf",
"page_label": "1139"
},
{
"id": "30245a23-eba9-4e7a-8d55-cfb7e8cdd073",
"text": "\"System Reference Manual \\n \\n \\n \\n\\u00a9 2023 NTT DATA, Inc. | Proprietary and Confidential | July 5, 2024 1604 \\n \\n \\n4. SUB TYPE \\n Three-digit SUB TYPE of Plan Record. Must be \\u201c302\\u201d. \\n \\n5. EFFECTIVE DATE \\n Date Plan Data is in effect. Must be in YYYYMMDD format. This field cannot be blank \\nnot allowed. \\n \\nGUARANTEED COI RATING (4 occurrences) \\n6. METHOD \\n Two position code describing the type of premium entry or the basis of the premium \\nentry. The METHOD is used to access the Premium Rate Factor File (available through \\nScreen 94). Input is required (in all four occurrences), valid values include: \\n 00 not used \\n 01 premium rate by flat amount per volume of coverage (included in \\nsubstandard premium calculations) \\n 02 first year additional deposit \\n 03 flat annual premium amount \\n 05 expense charge \\n 06 current and guaranteed COI by percentage of total target premium of all \\ninsureds\\u2019 coverages (included in substandard calculations) \\n 07 policy fee plus account value load defined on COI Ruleset \\n 08 pass requested payment amount for external calculation \\n 09 pass initial lump sum for external calculation \\n 10 pass requested payment amount and initial lump sum for external \\ncalculation \\n 11 premium rate by percentage of total premium of an insured\\u2019s coverages \\n(included in substandard calculations) \\n 13 premium rate by flat amount per volume of coverage (not included in \\nsubstandard premium calculation for substandard type 30) \\n 15 flat amount additional load (added to the fund at time of premium \\npayment and deducted at time of COI deduction) \\n20 premium rate by percentage of total COI of contract benefit amount = total \\nunits of contract, for use of SBCs only. SBC 20s benefit is total COI units \\non contract. \\n21 premium rate by percentage of total COI of contract benefit amount = total \\nunits of contract, for use of SBCs only. SBC 20s benefit is total COI on \\ncontract. \\n 50 premium rate by flat amount per volume of coverage (percent \\nsubstandard is a percent of first year COI rate) \\n 90 minimum premium\"",
"file_name": "System Reference-LifeSys System Reference.pdf",
"page_label": "1604"
},
{
"id": "6f8c073a-3320-4a69-aa1c-c3ad3902d0b7",
"text": "\"System Reference Manual \\n \\n \\n \\n\\u00a9 2023 NTT DATA, Inc. | Proprietary and Confidential | July 5, 2024 1604 \\n \\n \\n4. SUB TYPE \\n Three-digit SUB TYPE of Plan Record. Must be \\u201c302\\u201d. \\n \\n5. EFFECTIVE DATE \\n Date Plan Data is in effect. Must be in YYYYMMDD format. This field cannot be blank \\nnot allowed. \\n \\nGUARANTEED COI RATING (4 occurrences) \\n6. METHOD \\n Two position code describing the type of premium entry or the basis of the premium \\nentry. The METHOD is used to access the Premium Rate Factor File (available through \\nScreen 94). Input is required (in all four occurrences), valid values include: \\n 00 not used \\n 01 premium rate by flat amount per volume of coverage (included in \\nsubstandard premium calculations) \\n 02 first year additional deposit \\n 03 flat annual premium amount \\n 05 expense charge \\n 06 current and guaranteed COI by percentage of total target premium of all \\ninsureds\\u2019 coverages (included in substandard calculations) \\n 07 policy fee plus account value load defined on COI Ruleset \\n 08 pass requested payment amount for external calculation \\n 09 pass initial lump sum for external calculation \\n 10 pass requested payment amount and initial lump sum for external \\ncalculation \\n 11 premium rate by percentage of total premium of an insured\\u2019s coverages \\n(included in substandard calculations) \\n 13 premium rate by flat amount per volume of coverage (not included in \\nsubstandard premium calculation for substandard type 30) \\n 15 flat amount additional load (added to the fund at time of premium \\npayment and deducted at time of COI deduction) \\n20 premium rate by percentage of total COI of contract benefit amount = total \\nunits of contract, for use of SBCs only. SBC 20s benefit is total COI units \\non contract. \\n21 premium rate by percentage of total COI of contract benefit amount = total \\nunits of contract, for use of SBCs only. SBC 20s benefit is total COI on \\ncontract. \\n 50 premium rate by flat amount per volume of coverage (percent \\nsubstandard is a percent of first year COI rate) \\n 90 minimum premium\"",
"file_name": "System Reference-General Maintenance.pdf",
"page_label": "436"
},
{
"id": "4e5f1f31-8f9e-43bd-8233-570352e74771",
"text": "\"System Reference Manual \\n \\n \\n \\n\\u00a9 2023 NTT DATA, Inc. | Proprietary and Confidential | July 5, 2024 1002 \\n \\n \\nField Descriptions \\n1. POLICY STATUS (D) \\n One-digit code for status of policy. Refer to Policy Status Table in the General \\nInformation Manual. \\n \\n2. POLICY ID \\n Eight-digit policy identification number. \\n \\n3. PAYMENT STREAM ID \\n Five-digit payment stream identification number. \\n \\n4. OF (D) \\n Identifies which payment stream on the policy. \\n \\n5. ON POLICY (D) \\n The number of payment streams on the policy. \\n \\n6. ADJUSTED PYMT AMT \\nThis field displays the new starting payment amount to be used for the repetitive \\npayment amount. The amount is used for any payment date equal to or after the ADJ \\nPYMT EFF DATE. It is NOT used for any payment date prior to the ADJ PYMT EFF \\nDATE. This field is used most often when there is a calculation or rounding difference for \\nthose payments that have a COLA. \\n \\n7. RATE TBL STRT DATE \\nThis field displays the date to begin using the COLA Rate Table in calculations in the \\nformat MM/DD/YYYY. If this field is blank, it indicates that a COLA Rate Table should \\nnot be used for calculations. \\n \\n8. ADJ PYMT EFF DATE \\nThis field indicates the effective date of the amount in the ADJUSTED PYMT AMT field. \\nWhen the COLA Rate Table is utilized this date has to be equal to the RATE TBL STRT \\nDATE. Exceptions to this may be loaded with company conversion; however, screen \\nedits will require the dates to be equal if they are updated online. \\n \\n9. COLA PURCHASE DATE \\nThis field indicates the date the COLA benefit was purchased in the format \\nMM/DD/YYYY.\"",
"file_name": "System Reference-LifeSys System Reference.pdf",
"page_label": "1002"
},
{
"id": "54560ceb-769e-4e69-a07a-58fd7f41fac3",
"text": "\"System Reference Manual \\n \\n \\n \\n\\u00a9 2022 NTT DATA, Inc. | Proprietary and Confidential | April 20 2020 981 \\n \\n \\nField Descriptions \\n1. POLICY STATUS (D) \\n One-digit code for status of policy. Refer to Policy Status Table in the General \\nInformation Manual. \\n \\n2. POLICY ID \\n Eight-digit policy identification number. \\n \\n3. PAYMENT STREAM ID \\n Five-digit payment stream identification number. \\n \\n4. OF (D) \\n Identifies which payment stream on the policy. \\n \\n5. ON POLICY (D) \\n The number of payment streams on the policy. \\n \\n6. ADJUSTED PYMT AMT \\nThis field displays the new starting payment amount to be used for the repetitive \\npayment amount. The amount is used for any payment date equal to or after the ADJ \\nPYMT EFF DATE. It is NOT used for any payment date prior to the ADJ PYMT EFF \\nDATE. This field is used most often when there is a calculation or rounding difference for \\nthose payments that have a COLA. \\n \\n7. RATE TBL STRT DATE \\nThis field displays the date to begin using the COLA Rate Table in calculations in the \\nformat MM/DD/YYYY. If this field is blank, it indicates that a COLA Rate Table should \\nnot be used for calculations. \\n \\n8. ADJ PYMT EFF DATE \\nThis field indicates the effective date of the amount in the ADJUSTED PYMT AMT field. \\nWhen the COLA Rate Table is utilized this date has to be equal to the RATE TBL STRT \\nDATE. Exceptions to this may be loaded with company conversion; however, screen \\nedits will require the dates to be equal if they are updated online. \\n \\n9. COLA PURCHASE DATE \\nThis field indicates the date the COLA benefit was purchased in the format \\nMM/DD/YYYY.\"",
"file_name": "System Reference-Repetitive Pay.pdf",
"page_label": "16"
},
{
"id": "28c7f1d0-0828-44bb-9b43-f4e988f96e28",
"text": "\"Valid values are:\\r\\\"A\\\" - specified by age\\r\\\"M\\\" - specified in months\\u0007X.\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007 57O.\\u0007ACC-BEN-N1\\rBenefit period for accident occurrence one.\\u0007S9(3).\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007 57P.\\u0007SICK-BENRULE-N1\\rSickness benefit period rule occurrence one. Valid values are:\\r\\\"A\\\" - specified by age\\r\\\"M\\\" - specified in months\\u0007X.\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007 57Q.\\u0007SICK-BEN-N1\\rBenefit period for sickness occurrence one.\\u0007S9(3).\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007 57R.\\u0007SICK-ELIM-N1\\rElimination period for sickness occurrence one.\\u0007S9(3).\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007 57S.\\u0007ACC-ELIM-N1\\rElimnation period for accident in days.\\u0007S9(3).\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007 57T.\\u0007MIN-PREM-N1\\rFirst premium due when different than first mode premium, occurrence one.\\u0007S9(7)V99 C3.\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007 57U.\\u0007MOD-PREM-N1\\rModal coverage premium occurrence one.\\u0007S9(7)V99 C3.\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007 57V1.\\u0007PREMS-N1\\rThe following is a table of four occurrences of fields \\\"PREM-N1\\\" through \\\"PREMTYPE-N1\\\", for X(7) per occurrence. These fields occur four times within the larger table of ten occurrences.\\u0007X(28).\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007 57V2.\\u0007PREM-N1\\rPremium amount occurrence one.\\u0007S9(7)V99 C3.\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u000757V3.\\u0007PREMTYPE-N1\\rPremium type occurrence one. Valid values are:\\r\\\"00\\\" - not used\\u000799.\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\\"01\\\" - annual coverage premium. Rate by flat amount per volume\\r\\\"02\\\" - first year additional deposit\\r\\\"03\\\" - load percentage rate\\r\\\"04\\\" - add-on rate\\r\\\"05\\\" - expense charge rate\\r\\\"06\\\" - premium rate by percentage of total premium of all insured's coverage\\r\\\"07\\\" - policy fee\\r\\\"08\\\" - pass requested payment amount for external calculation\\r\\\"09\\\" - pass initial lump sum for external calculation\\r\\\"10\\\" - pass requested payment amount and initial lump sum for external calculation\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\\"11\\\" - premium rate by percentage of total premium of an insureds' coverages\\r\\\"12\\\" - first year minimum premium. Calculated as ((COI + surrender) / (1 - Front End Load)) - COI - policy fee\\r\\\"13\\\" - premium rate by flat amount per volume of coverage, like method 01 except not included in substandard premium calculation\\r\\\"14\\\" - mode policy fee\\r\\\"15\\\" - first minimum premium due. The greater of (annual requested payment + initial lump sum requested / minimum premium payment period) and total annual COI premium, modalized by bill code\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\\"16\\\" - premium rate by percentage of total target premium of all insureds' coverages\\r\\\"90\\\" - minimum premium\\r\\\"91\\\" - maximum premium\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007 57V4.\\u0007Entry occurrences 2-4 of fields \\\"PREM-N1\\\" above, for X(7) per occurrence. These occurrences are within the larger table of ten occurrences.\\u0007X(21).\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007 57W.\\u0007COVERAGE-SUBSTAN-N1\\rThe following is a table of two occurrences of fields \\\"SS-TYPE-N1\\\" through \\\"SS-PREM-N1\\\", and the reserved space after, for X(25) per occurrence. These fields occur two times within the larger table of ten occurrences.\\u0007X(50).\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u000757W1.\\u0007SS-TYPE-N1\\rUnderwriting substandard rating decision occurrence one.\""
},
{
"id": "30245a23-eba9-4e7a-8d55-cfb7e8cdd073",
"text": "\"System Reference Manual \\n \\n \\n \\n\\u00a9 2023 NTT DATA, Inc. | Proprietary and Confidential | July 5, 2024 1604 \\n \\n \\n4. SUB TYPE \\n Three-digit SUB TYPE of Plan Record. Must be \\u201c302\\u201d. \\n \\n5. EFFECTIVE DATE \\n Date Plan Data is in effect. Must be in YYYYMMDD format. This field cannot be blank \\nnot allowed. \\n \\nGUARANTEED COI RATING (4 occurrences) \\n6. METHOD \\n Two position code describing the type of premium entry or the basis of the premium \\nentry. The METHOD is used to access the Premium Rate Factor File (available through \\nScreen 94). Input is required (in all four occurrences), valid values include: \\n 00 not used \\n 01 premium rate by flat amount per volume of coverage (included in \\nsubstandard premium calculations) \\n 02 first year additional deposit \\n 03 flat annual premium amount \\n 05 expense charge \\n 06 current and guaranteed COI by percentage of total target premium of all \\ninsureds\\u2019 coverages (included in substandard calculations) \\n 07 policy fee plus account value load defined on COI Ruleset \\n 08 pass requested payment amount for external calculation \\n 09 pass initial lump sum for external calculation \\n 10 pass requested payment amount and initial lump sum for external \\ncalculation \\n 11 premium rate by percentage of total premium of an insured\\u2019s coverages \\n(included in substandard calculations) \\n 13 premium rate by flat amount per volume of coverage (not included in \\nsubstandard premium calculation for substandard type 30) \\n 15 flat amount additional load (added to the fund at time of premium \\npayment and deducted at time of COI deduction) \\n20 premium rate by percentage of total COI of contract benefit amount = total \\nunits of contract, for use of SBCs only. SBC 20s benefit is total COI units \\non contract. \\n21 premium rate by percentage of total COI of contract benefit amount = total \\nunits of contract, for use of SBCs only. SBC 20s benefit is total COI on \\ncontract. \\n 50 premium rate by flat amount per volume of coverage (percent \\nsubstandard is a percent of first year COI rate) \\n 90 minimum premium\"",
"file_name": "System Reference-LifeSys System Reference.pdf",
"page_label": "1604"
},
{
"id": "6f8c073a-3320-4a69-aa1c-c3ad3902d0b7",
"text": "\"System Reference Manual \\n \\n \\n \\n\\u00a9 2023 NTT DATA, Inc. | Proprietary and Confidential | July 5, 2024 1604 \\n \\n \\n4. SUB TYPE \\n Three-digit SUB TYPE of Plan Record. Must be \\u201c302\\u201d. \\n \\n5. EFFECTIVE DATE \\n Date Plan Data is in effect. Must be in YYYYMMDD format. This field cannot be blank \\nnot allowed. \\n \\nGUARANTEED COI RATING (4 occurrences) \\n6. METHOD \\n Two position code describing the type of premium entry or the basis of the premium \\nentry. The METHOD is used to access the Premium Rate Factor File (available through \\nScreen 94). Input is required (in all four occurrences), valid values include: \\n 00 not used \\n 01 premium rate by flat amount per volume of coverage (included in \\nsubstandard premium calculations) \\n 02 first year additional deposit \\n 03 flat annual premium amount \\n 05 expense charge \\n 06 current and guaranteed COI by percentage of total target premium of all \\ninsureds\\u2019 coverages (included in substandard calculations) \\n 07 policy fee plus account value load defined on COI Ruleset \\n 08 pass requested payment amount for external calculation \\n 09 pass initial lump sum for external calculation \\n 10 pass requested payment amount and initial lump sum for external \\ncalculation \\n 11 premium rate by percentage of total premium of an insured\\u2019s coverages \\n(included in substandard calculations) \\n 13 premium rate by flat amount per volume of coverage (not included in \\nsubstandard premium calculation for substandard type 30) \\n 15 flat amount additional load (added to the fund at time of premium \\npayment and deducted at time of COI deduction) \\n20 premium rate by percentage of total COI of contract benefit amount = total \\nunits of contract, for use of SBCs only. SBC 20s benefit is total COI units \\non contract. \\n21 premium rate by percentage of total COI of contract benefit amount = total \\nunits of contract, for use of SBCs only. SBC 20s benefit is total COI on \\ncontract. \\n 50 premium rate by flat amount per volume of coverage (percent \\nsubstandard is a percent of first year COI rate) \\n 90 minimum premium\"",
"file_name": "System Reference-General Maintenance.pdf",
"page_label": "436"
},
{
"id": "b47bd655-dca3-4f33-b71f-32994417c858",
"text": "\"Valid values are:\\r\\\"001\\\" - required\\r\\\"002\\\"- not required\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u000711 - rated or declined question code. Valid values are:\\r\\\"001\\\" - required\\r\\\"002\\\" - not required\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u000712 - hazardous activity question code. Valid values are:\\r\\\"001\\\" - required\\r\\\"002\\\" - not required\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u000713 - aviation activity question code. Valid values are:\\r\\\"001\\\" - required\\r\\\"002\\\" - not required\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u000714 - underwriting class question code. Valid values are:\\r\\\"001\\\" - required\\r\\\"002\\\" - not required\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u000715 - Currently not in use. Must be 001.\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u000716 - occupational risk code. Valid values are:\\r\\\"001\\\" - required\\r\\\"002\\\" - not required\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u000717 - occupation class code. Valid values are:\\r\\\"001\\\" - required\\r\\\"002\\\" - not required\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u000718 - occupation type code. Valid values are:\\r\\\"001\\\" - required\\r\\\"002\\\" - not required\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u000719 - accident benefit period and rule code. Valid values are:\\r\\\"001\\\" - required\\r\\\"002\\\" - not required at time of data entry\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u000720 - sickness benefit period and rule code. Valid values are:\\r\\\"001\\\" - required\\r\\\"002\\\" - not required at time of data entry\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u000721 - accident elimination period code. Valid values are:\\r\\\"001\\\"- required\\r\\\"002\\\" - not required\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u000722 - sickness elimination period code. Valid values are:\\r\\\"001\\\" - required\\r\\\"002\\\" - not required\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u000723 - first coverage amount compare code, indicating whether or not to compare the requested payment against either COI, minimum or target premium. Used only on plans that allows flexible billing. Valid values are:\\r\\\"001\\\" - use requested payment as is \\r\\\"002\\\" - COI\\r\\\"003\\\" - COI plus initial lump sum\\r\\\"004\\\" - minimum\\r\\\"005\\\" - minimum plus initial lump sum\\r\\\"006\\\" - target\\r\\\"007\\\" - target plus initial lump sum\\r\\\"008\\\" - current premium\\r\\\"009\\\" - current premium plus initial lump sum\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u000724 - benefit option code. Valid values are:\\r\\\"001\\\" - required\\r\\\"002\\\" - not required\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u000725 - cvat/corr method. Valid values are:\\r001 - use CVAT factors, if they exist, for the COI and death benefit calculations. If not CVAT factors, use TEFRA/DEFRA factors for both calculations. 001 is the default value.\\r002 - use CVAT factors for death benefit calculations and TEFRA/DEFRA factors for NAR in the COI calculations.\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u000726 - CVAT PREM LIMIT. Valid values are:\\r\\\"001\\\" Do not limit premiums based on CVAT. \\r\\\"002\\\" Limit premiums based on CVAT. Do not increase death benefit.\\r003 Do not limit premiums based on CVAT. Display a warning message and increase the death benefit.\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u000727 GUIDELINE PREMIUM RECALCULATION CODE. Valid values are:\\r001 not required\\r002 Recalculate guideline premiums using cash value retrospective method\\r003 Recalculate guideline premiums using the Dole-Bentsen prospective method\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u000728 - cash with application requirement code.\""
},
{
"id": "97eee4ef-0d38-47fb-9f51-c663989442a9",
"text": "\"System Reference Manual \\n \\n \\n \\n\\u00a9 2023 NTT DATA, Inc. | Proprietary and Confidential | July 5, 2024 1622 \\n \\n \\n5. EFFECTIVE DATE \\nDate plan data is in effect. Must be in YYYYMMDD format. Spaces not allowed. \\n \\nNO LAPSE PREMIUM RATING \\u2013 TIER 3 \\n6. METHOD \\nThis field contains a two position code describing the type of premium entry or the basis \\nof the premium entry. The METHOD is used to access the Premium Rate Factor File \\nwhich is available through Rate Maintenance (94) screen. Input is required (in all four \\noccurrences), valid values include: \\n 00 not used \\n 01 premium rate by flat amount per volume of coverage (included in \\nsubstandard premium calculations) \\n 02 first year additional deposit \\n 03 flat annual premium amount \\n 05 expense charge \\n 06 current and guaranteed COI by percentage of total target premium of all \\ninsureds\\u2019 coverages (included in substandard calculations) \\n 07 policy fee plus account value load defined on COI Ruleset \\n 08 pass requested payment amount for external calculation \\n 09 pass initial lump sum for external calculation \\n 10 pass requested payment amount and initial lump sum for external \\ncalculation \\n 11 premium rate by percentage of total premium of an insureds\\u2019 coverages \\n(included in substandard calculations) \\n 13 premium rate by flat amount per volume of coverage (not included in \\nsubstandard premium calculation for substandard type 30). \\n 15 flat amount additional load (added to the fund at time of premium \\npayment and deducted at time of COI deduction) \\n 20 premium rate by percentage of total COI of contract benefit amount = total \\nunits of contract, for use of SBC\\u2019s only \\n 50 premium rate by flat amount per volume of coverage (percent \\nsubstandard is a percent of first year COI rate) \\n 90 minimum premium \\n 91 maximum premium\"",
"file_name": "System Reference-General Maintenance.pdf",
"page_label": "454"
},
{
"id": "7ca0620c-a9b9-4e6f-b0f7-5006337ca8e5",
"text": "\"System Reference Manual \\n \\n \\n \\n\\u00a9 2023 NTT DATA, Inc. | Proprietary and Confidential | July 5, 2024 1622 \\n \\n \\n5. EFFECTIVE DATE \\nDate plan data is in effect. Must be in YYYYMMDD format. Spaces not allowed. \\n \\nNO LAPSE PREMIUM RATING \\u2013 TIER 3 \\n6. METHOD \\nThis field contains a two position code describing the type of premium entry or the basis \\nof the premium entry. The METHOD is used to access the Premium Rate Factor File \\nwhich is available through Rate Maintenance (94) screen. Input is required (in all four \\noccurrences), valid values include: \\n 00 not used \\n 01 premium rate by flat amount per volume of coverage (included in \\nsubstandard premium calculations) \\n 02 first year additional deposit \\n 03 flat annual premium amount \\n 05 expense charge \\n 06 current and guaranteed COI by percentage of total target premium of all \\ninsureds\\u2019 coverages (included in substandard calculations) \\n 07 policy fee plus account value load defined on COI Ruleset \\n 08 pass requested payment amount for external calculation \\n 09 pass initial lump sum for external calculation \\n 10 pass requested payment amount and initial lump sum for external \\ncalculation \\n 11 premium rate by percentage of total premium of an insureds\\u2019 coverages \\n(included in substandard calculations) \\n 13 premium rate by flat amount per volume of coverage (not included in \\nsubstandard premium calculation for substandard type 30). \\n 15 flat amount additional load (added to the fund at time of premium \\npayment and deducted at time of COI deduction) \\n 20 premium rate by percentage of total COI of contract benefit amount = total \\nunits of contract, for use of SBC\\u2019s only \\n 50 premium rate by flat amount per volume of coverage (percent \\nsubstandard is a percent of first year COI rate) \\n 90 minimum premium \\n 91 maximum premium\"",
"file_name": "System Reference-LifeSys System Reference.pdf",
"page_label": "1622"
},
{
"id": "4c8cabd5-bfff-4cf1-99c8-712464e4c799",
"text": "\"System Reference Manual \\n \\n \\n \\n\\u00a9 2023 NTT DATA, Inc. | Proprietary and Confidential | July 5, 2024 1624 \\n \\n \\n \\n15. STACKBY \\n See STACKBY codes for Plan File Maintenance (95) screen, 100-199/300 record, 3rd \\npage. \\n \\nNO LAPSE PREMIUM RATING \\u2013 TIER 4 \\n16. METHOD \\nThis field contains a two-position code describing the type of premium entry or the basis \\nof the premium entry. The METHOD is used to access the Premium Rate Factor File \\nwhich is available through Rate Maintenance (94) screen. Input is required (in all four \\noccurrences), valid values include: \\n 00 not used \\n 01 premium rate by flat amount per volume of coverage (included in \\nsubstandard premium calculations) \\n 02 first year additional deposit \\n 03 flat annual premium amount \\n 05 expense charge \\n 06 current and guaranteed COI by percentage of total target premium of all \\ninsureds\\u2019 coverages (included in substandard calculations) \\n 07 policy fee plus account value load defined on COI Ruleset \\n 08 pass requested payment amount for external calculation \\n 09 pass initial lump sum for external calculation \\n 10 pass requested payment amount and initial lump sum for external \\ncalculation \\n 11 premium rate by percentage of total premium of an insureds\\u2019 coverages \\n(included in substandard calculations) \\n 13 premium rate by flat amount per volume of coverage (not included in \\nsubstandard premium calculation for substandard type 30). \\n 15 flat amount additional load (added to the fund at time of premium \\npayment and deducted at time of COI deduction) \\n 20 premium rate by percentage of total COI of contract benefit amount = total \\nunits of contract, for use of SBC\\u2019s only \\n 50 premium rate by flat amount per volume of coverage (percent \\nsubstandard is a percent of first year COI rate) \\n 90 minimum premium \\n 91 maximum premium\"",
"file_name": "System Reference-General Maintenance.pdf",
"page_label": "456"
},
{
"id": "c8beb4b7-83ce-415e-ac36-231d21196be8",
"text": "\"System Reference Manual \\n \\n \\n \\n\\u00a9 2023 NTT DATA, Inc. | Proprietary and Confidential | July 5, 2024 1624 \\n \\n \\n \\n15. STACKBY \\n See STACKBY codes for Plan File Maintenance (95) screen, 100-199/300 record, 3rd \\npage. \\n \\nNO LAPSE PREMIUM RATING \\u2013 TIER 4 \\n16. METHOD \\nThis field contains a two-position code describing the type of premium entry or the basis \\nof the premium entry. The METHOD is used to access the Premium Rate Factor File \\nwhich is available through Rate Maintenance (94) screen. Input is required (in all four \\noccurrences), valid values include: \\n 00 not used \\n 01 premium rate by flat amount per volume of coverage (included in \\nsubstandard premium calculations) \\n 02 first year additional deposit \\n 03 flat annual premium amount \\n 05 expense charge \\n 06 current and guaranteed COI by percentage of total target premium of all \\ninsureds\\u2019 coverages (included in substandard calculations) \\n 07 policy fee plus account value load defined on COI Ruleset \\n 08 pass requested payment amount for external calculation \\n 09 pass initial lump sum for external calculation \\n 10 pass requested payment amount and initial lump sum for external \\ncalculation \\n 11 premium rate by percentage of total premium of an insureds\\u2019 coverages \\n(included in substandard calculations) \\n 13 premium rate by flat amount per volume of coverage (not included in \\nsubstandard premium calculation for substandard type 30). \\n 15 flat amount additional load (added to the fund at time of premium \\npayment and deducted at time of COI deduction) \\n 20 premium rate by percentage of total COI of contract benefit amount = total \\nunits of contract, for use of SBC\\u2019s only \\n 50 premium rate by flat amount per volume of coverage (percent \\nsubstandard is a percent of first year COI rate) \\n 90 minimum premium \\n 91 maximum premium\"",
"file_name": "System Reference-LifeSys System Reference.pdf",
"page_label": "1624"
},
{
"id": "c1265051-625e-4cf1-ac8d-c0bb4303cb25",
"text": "\"System Reference Manual \\n \\n \\n \\n\\u00a9 2023 NTT DATA, Inc. | Proprietary and Confidential | July 5, 2024 1139 \\n \\n \\n 099 The maximum has been paid for this benefit \\n 100 The maximum has been paid for this period of sickness \\n 101 The maximum lifetime benefit for cancer has been paid \\n 102 This claim payment represents maximum benefits payable \\n 103 Lapsed, after grace period \\n 104 Lapsed, no grace period (ETI or RPU) \\n 105 Policy continues if premiums are paid and you do not cancel \\n 106 Stop payment has been placed on original check \\n 107 Thank you for keeping your coverage with our company \\n 108 The full overpaid amount was deducted from this claim \\n 109 Asphyiation from inhalation of gas/voluntary or involuntary \\n 110 Part A deductible previously paid for this hospital stay \\n 111 The deductible was previously paid in this calendar year \\n 112 This is a duplicate, previously applied to your deductible \\n 113 This is a duplicate bill, previously paid to the Insured \\n 114 This is a duplicate bill, previously paid to the Provider \\n 115 This is a duplicate charge, previously submitted \\n E01 Benefits were coordinated with your primary insurer \\n E02 Explanation of non-payment will follow under separate cover \\n E03 Explanation of the remaining charges submitted will follow \\n E04 Letter of explanation will follow under separate cover \\n E05 One day has been applied to the elimination period \\n E06 Part of an overpayment was deducted from this claim \\n E07 Payment for medical records after hospital retrieval fee \\n E08 Payment is for medical records \\n E09 Payment is for difference between U&C and eligible expense \\n E10 Payment is the result of a review showing additional benefits \\n E11 Payment made according to policy cancer screening benefit \\n E12 Payment per your assignment. Please pay overage to insured. \\n E13 Payment represents your share of the available benefit \\n E14 Per certificate, coverage terminates with this claim payment \\n E15 Plan allows for payment of the highest visit per day \\n E16 Plan pays one surgery, the greatest, per period of sickness \\n E17 Premium previously refunded was deducted from this claim \\n E18 Premiums previously refunded was deducted from this claim \\n E19 Procedure reduced per policy provisions see next line \\n E20 Procedure reduced per review of x-rays by our consultant\"",
"file_name": "System Reference-LifeSys System Reference.pdf",
"page_label": "1139"
},
{
"id": "043fb444-14b7-4705-aea7-133b8001ecbf",
"text": "\"System Reference Manual \\n \\n \\n \\n\\u00a9 2023 NTT DATA, Inc. | Proprietary and Confidential | July 5, 2024 1618 \\n \\n \\n14. EFFDATE \\n See EFFDATE codes for Plan File Maintenance (95) screen, 100-199/300 record, 3rd \\npage. \\n \\n15. STACKBY \\n See STACKBY codes for Plan File Maintenance (95) screen, 100-199/300 record, 3rd \\npage. \\n \\nNO LAPSE PREMIUM RATING \\u2013 TIER 2 \\n16. METHOD \\nThis field contains a two position code describing the type of premium entry or the basis \\nof the premium entry. The METHOD is used to access the Premium Rate Factor File \\nwhich is available through Rate Maintenance (94) screen. Input is required (in all four \\noccurrences), valid values include: \\n 00 not used \\n 01 premium rate by flat amount per volume of coverage (included in \\nsubstandard premium calculations) \\n 02 first year additional deposit \\n 03 flat annual premium amount \\n 05 expense charge \\n 06 current and guaranteed COI by percentage of total target premium of all \\ninsureds\\u2019 coverages (included in substandard calculations) \\n 07 policy fee plus account value load defined on COI Ruleset \\n 08 pass requested payment amount for external calculation \\n 09 pass initial lump sum for external calculation \\n 10 pass requested payment amount and initial lump sum for external \\ncalculation \\n 11 premium rate by percentage of total premium of an insureds\\u2019 coverages \\n(included in substandard calculations) \\n 13 premium rate by flat amount per volume of coverage (not included in \\nsubstandard premium calculation for substandard type \\u201c30\\u201d). \\n 15 flat amount additional load (added to the fund at time of premium \\npayment and deducted at time of COI deduction) \\n 20 premium rate by percentage of total COI of contract benefit amount = total \\nunits of contract, for use of SBC\\u2019s only \\n 50 premium rate by flat amount per volume of coverage (percent \\nsubstandard is a percent of first year COI rate) \\n 90 minimum premium \\n 91 maximum premium\"",
"file_name": "System Reference-LifeSys System Reference.pdf",
"page_label": "1618"
},
{
"id": "8513ca38-9f93-49da-be9c-d5ccf53565cb",
"text": "\"System Reference Manual \\n \\n \\n \\n\\u00a9 2023 NTT DATA, Inc. | Proprietary and Confidential | July 5, 2024 1618 \\n \\n \\n14. EFFDATE \\n See EFFDATE codes for Plan File Maintenance (95) screen, 100-199/300 record, 3rd \\npage. \\n \\n15. STACKBY \\n See STACKBY codes for Plan File Maintenance (95) screen, 100-199/300 record, 3rd \\npage. \\n \\nNO LAPSE PREMIUM RATING \\u2013 TIER 2 \\n16. METHOD \\nThis field contains a two position code describing the type of premium entry or the basis \\nof the premium entry. The METHOD is used to access the Premium Rate Factor File \\nwhich is available through Rate Maintenance (94) screen. Input is required (in all four \\noccurrences), valid values include: \\n 00 not used \\n 01 premium rate by flat amount per volume of coverage (included in \\nsubstandard premium calculations) \\n 02 first year additional deposit \\n 03 flat annual premium amount \\n 05 expense charge \\n 06 current and guaranteed COI by percentage of total target premium of all \\ninsureds\\u2019 coverages (included in substandard calculations) \\n 07 policy fee plus account value load defined on COI Ruleset \\n 08 pass requested payment amount for external calculation \\n 09 pass initial lump sum for external calculation \\n 10 pass requested payment amount and initial lump sum for external \\ncalculation \\n 11 premium rate by percentage of total premium of an insureds\\u2019 coverages \\n(included in substandard calculations) \\n 13 premium rate by flat amount per volume of coverage (not included in \\nsubstandard premium calculation for substandard type \\u201c30\\u201d). \\n 15 flat amount additional load (added to the fund at time of premium \\npayment and deducted at time of COI deduction) \\n 20 premium rate by percentage of total COI of contract benefit amount = total \\nunits of contract, for use of SBC\\u2019s only \\n 50 premium rate by flat amount per volume of coverage (percent \\nsubstandard is a percent of first year COI rate) \\n 90 minimum premium \\n 91 maximum premium\"",
"file_name": "System Reference-General Maintenance.pdf",
"page_label": "450"
},
{
"id": "6bd0a82a-c6dd-4e66-8618-067834719844",
"text": "\"System Reference Manual \\n \\n \\n \\n\\u00a9 2023 NTT DATA, Inc. | Proprietary and Confidential | July 5, 2024 1606 \\n \\n \\n15. STACKBY \\n See STACKBY codes for TYPE \\u201c100\\u201d-\\u201c199\\u201d SUB TYPE \\u201c300\\u201d, Screen. \\n \\n16. GUARANTEED COI WP EXCLUSION TABLE \\n A table of up to 3 SBCs that may be excluded from the waiver of premium calculation. \\nThe exclusion is used only for waiver plans using premium rating method 11. \\n \\nNOTE: Excluded SBC\\u2019s should be coded on waiver\\u2019s plan record (i.e. Plan File Maintenance \\n(95) screen 120/302 record). \\n \\nCURRENT COI RATING (4 occurrences) \\n17. METHOD \\n Two position code describing the type of premium entry or the basis of the premium \\nentry. The METHOD is used to access the Premium Rate Factor File (available through \\n94 screen). Input is required (in all four occurrences), valid values include: \\n 00 not used \\n 01 premium rate by flat amount per volume of coverage (included in \\nsubstandard premium calculations) \\n 02 first year additional deposit \\n 03 flat annual premium amount \\n 05 expense charge \\n 06 current and guaranteed COI by percentage of total target premium of all \\ninsureds\\u2019 coverages (included in substandard calculations) \\n 07 policy fee plus account value load defined on COI Ruleset \\n 08 pass requested payment amount for external calculation \\n 09 pass initial lump sum for external calculation \\n 10 pass requested payment amount and initial lump sum for external \\ncalculation \\n 11 premium rate by percentage of total premium of an insureds\\u2019 coverages \\n(included in substandard calculations) \\n 13 premium rate by flat amount per volume of coverage (not included in \\nsubstandard premium calculation for substandard type 30). \\n 15 flat amount additional load (added to the fund at time of premium \\npayment and deducted at time of COI deduction) \\n 20 premium rate by percentage of total COI of contract benefit amount = total \\nunits of contract, for use of SBC\\u2019s only. SBC 20s benefit is total COI units \\nof contract \\n 21 premium rate by percentage of total COI of contract benefit amount = total \\nCOI of contract, for use of SBCs only. SBC 20s benefit is total COI \\namount on contract.\"",
"file_name": "System Reference-LifeSys System Reference.pdf",
"page_label": "1606"
},
{
"id": "f62ade81-8be2-4f26-8501-c87b27eb8316",
"text": "\"System Reference Manual \\n \\n \\n \\n\\u00a9 2023 NTT DATA, Inc. | Proprietary and Confidential | July 5, 2024 1606 \\n \\n \\n15. STACKBY \\n See STACKBY codes for TYPE \\u201c100\\u201d-\\u201c199\\u201d SUB TYPE \\u201c300\\u201d, Screen. \\n \\n16. GUARANTEED COI WP EXCLUSION TABLE \\n A table of up to 3 SBCs that may be excluded from the waiver of premium calculation. \\nThe exclusion is used only for waiver plans using premium rating method 11. \\n \\nNOTE: Excluded SBC\\u2019s should be coded on waiver\\u2019s plan record (i.e. Plan File Maintenance \\n(95) screen 120/302 record). \\n \\nCURRENT COI RATING (4 occurrences) \\n17. METHOD \\n Two position code describing the type of premium entry or the basis of the premium \\nentry. The METHOD is used to access the Premium Rate Factor File (available through \\n94 screen). Input is required (in all four occurrences), valid values include: \\n 00 not used \\n 01 premium rate by flat amount per volume of coverage (included in \\nsubstandard premium calculations) \\n 02 first year additional deposit \\n 03 flat annual premium amount \\n 05 expense charge \\n 06 current and guaranteed COI by percentage of total target premium of all \\ninsureds\\u2019 coverages (included in substandard calculations) \\n 07 policy fee plus account value load defined on COI Ruleset \\n 08 pass requested payment amount for external calculation \\n 09 pass initial lump sum for external calculation \\n 10 pass requested payment amount and initial lump sum for external \\ncalculation \\n 11 premium rate by percentage of total premium of an insureds\\u2019 coverages \\n(included in substandard calculations) \\n 13 premium rate by flat amount per volume of coverage (not included in \\nsubstandard premium calculation for substandard type 30). \\n 15 flat amount additional load (added to the fund at time of premium \\npayment and deducted at time of COI deduction) \\n 20 premium rate by percentage of total COI of contract benefit amount = total \\nunits of contract, for use of SBC\\u2019s only. SBC 20s benefit is total COI units \\nof contract \\n 21 premium rate by percentage of total COI of contract benefit amount = total \\nCOI of contract, for use of SBCs only. SBC 20s benefit is total COI \\namount on contract.\"",
"file_name": "System Reference-General Maintenance.pdf",
"page_label": "438"
},
{
"id": "6d3a689f-f68c-483c-b3d4-c090310f456d",
"text": "\"System Reference Manual \\n \\n \\n \\n\\u00a9 2023 NTT DATA, Inc. | Proprietary and Confidential | July 5, 2024 1616 \\n \\n \\n5. EFFECTIVE DATE \\nThis field indicates the date plan data is in effect. This date must be in YYYYMMDD \\nformat. This field cannot be blank. \\n \\nNO LAPSE PREMIUM RATING \\u2013 TIER 1 \\n6. METHOD \\nThis field contains a two position code describing the type of premium entry or the basis \\nof the premium entry. The METHOD is used to access the Premium Rate Factor File \\nwhich is available through Rate Maintenance (94) screen. Input is required (in all four \\noccurrences), valid values include: \\n 00 not used \\n 01 premium rate by flat amount per volume of coverage (included in \\nsubstandard premium calculations) \\n 02 first year additional deposit \\n 03 flat annual premium amount \\n 05 expense charge \\n 06 current and guaranteed COI by percentage of total target premium of all \\ninsureds\\u2019 coverages (included in substandard calculations) \\n 07 policy fee plus account value load defined on COI Ruleset \\n 08 pass requested payment amount for external calculation \\n 09 pass initial lump sum for external calculation \\n 10 pass requested payment amount and initial lump sum for external \\ncalculation \\n 11 premium rate by percentage of total premium of an insureds\\u2019 coverages \\n(included in substandard calculations) \\n 13 premium rate by flat amount per volume of coverage (not included in \\nsubstandard premium calculation for substandard type 30). \\n 15 flat amount additional load (added to the fund at time of premium \\npayment and deducted at time of COI deduction) \\n 20 premium rate by percentage of total COI of contract benefit amount = total \\nunits of contract, for use of SBC\\u2019s only \\n 50 premium rate by flat amount per volume of coverage (percent \\nsubstandard is a percent of first year COI rate) \\n 90 minimum premium \\n 91 maximum premium\"",
"file_name": "System Reference-General Maintenance.pdf",
"page_label": "448"
},
{
"id": "d5beb81b-e182-4c03-a157-8d0077748a3f",
"text": "\"System Reference Manual \\n \\n \\n \\n\\u00a9 2023 NTT DATA, Inc. | Proprietary and Confidential | July 5, 2024 1616 \\n \\n \\n5. EFFECTIVE DATE \\nThis field indicates the date plan data is in effect. This date must be in YYYYMMDD \\nformat. This field cannot be blank. \\n \\nNO LAPSE PREMIUM RATING \\u2013 TIER 1 \\n6. METHOD \\nThis field contains a two position code describing the type of premium entry or the basis \\nof the premium entry. The METHOD is used to access the Premium Rate Factor File \\nwhich is available through Rate Maintenance (94) screen. Input is required (in all four \\noccurrences), valid values include: \\n 00 not used \\n 01 premium rate by flat amount per volume of coverage (included in \\nsubstandard premium calculations) \\n 02 first year additional deposit \\n 03 flat annual premium amount \\n 05 expense charge \\n 06 current and guaranteed COI by percentage of total target premium of all \\ninsureds\\u2019 coverages (included in substandard calculations) \\n 07 policy fee plus account value load defined on COI Ruleset \\n 08 pass requested payment amount for external calculation \\n 09 pass initial lump sum for external calculation \\n 10 pass requested payment amount and initial lump sum for external \\ncalculation \\n 11 premium rate by percentage of total premium of an insureds\\u2019 coverages \\n(included in substandard calculations) \\n 13 premium rate by flat amount per volume of coverage (not included in \\nsubstandard premium calculation for substandard type 30). \\n 15 flat amount additional load (added to the fund at time of premium \\npayment and deducted at time of COI deduction) \\n 20 premium rate by percentage of total COI of contract benefit amount = total \\nunits of contract, for use of SBC\\u2019s only \\n 50 premium rate by flat amount per volume of coverage (percent \\nsubstandard is a percent of first year COI rate) \\n 90 minimum premium \\n 91 maximum premium\"",
"file_name": "System Reference-LifeSys System Reference.pdf",
"page_label": "1616"
},
{
"id": "9513866b-f125-4b35-9e12-f1c9ab41a43f",
"text": "\"System Reference Manual \\n \\n \\n \\n\\u00a9 2023 NTT DATA, Inc. | Proprietary and Confidential | July 5, 2024 1558 \\n \\n \\n4. SUB TYPE \\n Subtype of plan record. Do not enter on this screen. \\n \\n5. EFFECTIVE DATE \\n Date plan data is in effect. Do not enter on this screen. \\n \\nCURRENT PREMIUM RATING ENTRIES \\n6. METHOD \\n This field contains a two position code describing the type of premium entry or the basis \\nof the premium entry. The METHOD is used to access the Premium Rate Factor File \\n(available through 94 screen). Input is required (in all four occurrences), valid values \\ninclude: \\n 00 not used \\n 01 premium rate by flat amount per volume of coverage (included in \\nsubstandard premium calculations) \\n 02 first year additional deposit \\n 03 flat annual premium amount \\n 05 expense charge \\n 06 waiver of target - COI rate by percentage of total target premium of all \\ninsureds coverages (allowed on current and guaranteed COI tables only) \\n(included in substandard calculations) \\n 07 policy fee plus account value load defined on COI Ruleset \\n 08 pass requested payment amount for external calculation \\n 09 pass initial lump sum for external calculation \\n 10 pass requested payment amount and initial lump sum for external \\ncalculation \\n 11 premium rate by percentage of total premium of an insureds\\u2019 coverages \\n(included in substandard calculations) \\n 13 premium rate by flat amount per volume of coverage (not included in \\nsubstandard premium calculation for substandard type 30) \\n 14 mode policy fee \\n 15 flat amount additional load (added to the fund at time of premium \\npayment and deducted at time of COI deduction) \\n 16 minimum and target premium rate by percentage of total target premium \\nof all insured\\u2019s coverages, excluding waiver \\n 18 used only for return of premium defined as an additional benefit. The \\npremium rate (defined as a dollar amount) x the total of the premium for \\nthe insured\\u2019s basic coverage + all other coverages defined as additional \\nbenefits (excludes any other SBC\\u2019s and charge codes) \\n 50 premium rate by flat amount per volume of coverage (percent \\nsubstandard is a percent of first year COI rate)\"",
"file_name": "System Reference-General Maintenance.pdf",
"page_label": "390"
},
{
"id": "f30abd38-6d95-4bc3-be27-a336391cd640",
"text": "\"System Reference Manual \\n \\n \\n \\n\\u00a9 2023 NTT DATA, Inc. | Proprietary and Confidential | July 5, 2024 1558 \\n \\n \\n4. SUB TYPE \\n Subtype of plan record. Do not enter on this screen. \\n \\n5. EFFECTIVE DATE \\n Date plan data is in effect. Do not enter on this screen. \\n \\nCURRENT PREMIUM RATING ENTRIES \\n6. METHOD \\n This field contains a two position code describing the type of premium entry or the basis \\nof the premium entry. The METHOD is used to access the Premium Rate Factor File \\n(available through 94 screen). Input is required (in all four occurrences), valid values \\ninclude: \\n 00 not used \\n 01 premium rate by flat amount per volume of coverage (included in \\nsubstandard premium calculations) \\n 02 first year additional deposit \\n 03 flat annual premium amount \\n 05 expense charge \\n 06 waiver of target - COI rate by percentage of total target premium of all \\ninsureds coverages (allowed on current and guaranteed COI tables only) \\n(included in substandard calculations) \\n 07 policy fee plus account value load defined on COI Ruleset \\n 08 pass requested payment amount for external calculation \\n 09 pass initial lump sum for external calculation \\n 10 pass requested payment amount and initial lump sum for external \\ncalculation \\n 11 premium rate by percentage of total premium of an insureds\\u2019 coverages \\n(included in substandard calculations) \\n 13 premium rate by flat amount per volume of coverage (not included in \\nsubstandard premium calculation for substandard type 30) \\n 14 mode policy fee \\n 15 flat amount additional load (added to the fund at time of premium \\npayment and deducted at time of COI deduction) \\n 16 minimum and target premium rate by percentage of total target premium \\nof all insured\\u2019s coverages, excluding waiver \\n 18 used only for return of premium defined as an additional benefit. The \\npremium rate (defined as a dollar amount) x the total of the premium for \\nthe insured\\u2019s basic coverage + all other coverages defined as additional \\nbenefits (excludes any other SBC\\u2019s and charge codes) \\n 50 premium rate by flat amount per volume of coverage (percent \\nsubstandard is a percent of first year COI rate)\"",
"file_name": "System Reference-LifeSys System Reference.pdf",
"page_label": "1558"
},
{
"id": "c1d8a023-ded4-41a8-9c06-10a65f5d3507",
"text": "\"Valid values are:\\r\\\"001\\\" - not required\\r\\\"002\\\" - use method = c (bom, pac, eft) and mode = 4 (quarterly)\\r\\\"003\\\" - use method = d (salsa) and mode = 4 (quarterly)\\r\\\"004\\\" - use method = 02 and mode = 12 (monthly)\\r\\\"005\\\" - use method = 05 and mode = 12 (monthly)\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007100 - guaranteed premium code. Valid values are:\\r\\\"001\\\" - not required\\r\\\"002\\\" - calculate guaranteed premium\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007101 - guideline premium calculation code. Valid values are:\\r\\\"001\\\" - not required\\r\\\"002\\\" - calculate guideline premium\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007102 - surrender charge premium code. Valid values are:\\r\\\"001\\\" - not required\\r\\\"002\\\" - calculate surrender charge premium\\r003 equals target premium\\r004 equals minimum premium\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007103 - face amount/monthly benefit or units printing on policy pages code. Valid values are:\\r\\\"001\\\" - not required or don't print\\r\\\"002\\\" - print face amount/monthly benefit on policy pages\\r\\\"003\\\" - print units on policy pages\\r\\\"004\\\" - print ultimate face amount/monthly benefit on policy pages from face amount field\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007104 - annual premium/cost of benefit printing on policy pages code. Valid values are:\\r\\\"001\\\" - not required or don't print\\r\\\"002\\\" - print annual premium on policy pages\\r\\\"003\\\" - print cost of benefit as a percentage = annual premium of prior coverage/annual premium of this coverage rounded (.0758 would be printed as 7.6%)\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007105 - special wording for percent of monthly deduction on policy pages code. Valid values are:\\r\\\"001\\\" - not required\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\\"002\\\" - print message *percent of monthly deduction - see monthly deduction rider for explanation. on policy pages (printed in connection with occurrence 104 code \\\"003\\\")\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007106 - critical/change date wording on conversion to policy system code. Note that these values are actually used in NBS299 which stores the actual message and applies it to the CG. Valid values are:\\r001 - not required\\r002 - use message APPLY PREMIUM CHARGE\\r003 - use message FUND REINVESTMENT\\r004 - use message ROP BENEFIT PAYOUT\\r005 - use message MAKE RSA, CHG PLAN OPT AND BLK\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007107 - set critical/change date based on the following method code. Valid values are:\\r001 - not required\\r002 - advance issue date by number of years specified in occurrence 108\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007108 - value for calculating critical/change date. This field contains any numeric value when used. Initialization of one is acceptable.\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007109 GI AMT\\rThis field contains a three-digit code used to determine if a check should be performed to determine if GI (guaranteed issue) limits have been exceeded before validating the height/weight limits. Valid values are:\\r001 Not required\\r002 - Required\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007109110 - Currently not in use. Must be 001.\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007111 - cost index indicator code. Valid values are:\\r\\\"001\\\" - not required\\r\\\"002\\\" - calculate cost index\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007112 - schedule of total premium calculation on policy pages code. Used for annual, semi-annual and quarterly premiums only. Valid values are:\\r\\\"001\\\" - not required\\r\\\"002\\\" - calculate using policy billing method.\\r\\\"003\\\" - calculate using \\\"01\\\" billing method as a substitute method.\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007113115 - Currently not in use. Must be 001.\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007116 - Minimum premium payment period amount.\""
},
{
"id": "28c7f1d0-0828-44bb-9b43-f4e988f96e28",
"text": "\"Valid values are:\\r\\\"A\\\" - specified by age\\r\\\"M\\\" - specified in months\\u0007X.\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007 57O.\\u0007ACC-BEN-N1\\rBenefit period for accident occurrence one.\\u0007S9(3).\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007 57P.\\u0007SICK-BENRULE-N1\\rSickness benefit period rule occurrence one. Valid values are:\\r\\\"A\\\" - specified by age\\r\\\"M\\\" - specified in months\\u0007X.\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007 57Q.\\u0007SICK-BEN-N1\\rBenefit period for sickness occurrence one.\\u0007S9(3).\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007 57R.\\u0007SICK-ELIM-N1\\rElimination period for sickness occurrence one.\\u0007S9(3).\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007 57S.\\u0007ACC-ELIM-N1\\rElimnation period for accident in days.\\u0007S9(3).\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007 57T.\\u0007MIN-PREM-N1\\rFirst premium due when different than first mode premium, occurrence one.\\u0007S9(7)V99 C3.\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007 57U.\\u0007MOD-PREM-N1\\rModal coverage premium occurrence one.\\u0007S9(7)V99 C3.\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007 57V1.\\u0007PREMS-N1\\rThe following is a table of four occurrences of fields \\\"PREM-N1\\\" through \\\"PREMTYPE-N1\\\", for X(7) per occurrence. These fields occur four times within the larger table of ten occurrences.\\u0007X(28).\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007 57V2.\\u0007PREM-N1\\rPremium amount occurrence one.\\u0007S9(7)V99 C3.\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u000757V3.\\u0007PREMTYPE-N1\\rPremium type occurrence one. Valid values are:\\r\\\"00\\\" - not used\\u000799.\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\\"01\\\" - annual coverage premium. Rate by flat amount per volume\\r\\\"02\\\" - first year additional deposit\\r\\\"03\\\" - load percentage rate\\r\\\"04\\\" - add-on rate\\r\\\"05\\\" - expense charge rate\\r\\\"06\\\" - premium rate by percentage of total premium of all insured's coverage\\r\\\"07\\\" - policy fee\\r\\\"08\\\" - pass requested payment amount for external calculation\\r\\\"09\\\" - pass initial lump sum for external calculation\\r\\\"10\\\" - pass requested payment amount and initial lump sum for external calculation\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\\"11\\\" - premium rate by percentage of total premium of an insureds' coverages\\r\\\"12\\\" - first year minimum premium. Calculated as ((COI + surrender) / (1 - Front End Load)) - COI - policy fee\\r\\\"13\\\" - premium rate by flat amount per volume of coverage, like method 01 except not included in substandard premium calculation\\r\\\"14\\\" - mode policy fee\\r\\\"15\\\" - first minimum premium due. The greater of (annual requested payment + initial lump sum requested / minimum premium payment period) and total annual COI premium, modalized by bill code\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\\"16\\\" - premium rate by percentage of total target premium of all insureds' coverages\\r\\\"90\\\" - minimum premium\\r\\\"91\\\" - maximum premium\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007 57V4.\\u0007Entry occurrences 2-4 of fields \\\"PREM-N1\\\" above, for X(7) per occurrence. These occurrences are within the larger table of ten occurrences.\\u0007X(21).\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007 57W.\\u0007COVERAGE-SUBSTAN-N1\\rThe following is a table of two occurrences of fields \\\"SS-TYPE-N1\\\" through \\\"SS-PREM-N1\\\", and the reserved space after, for X(25) per occurrence. These fields occur two times within the larger table of ten occurrences.\\u0007X(50).\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u000757W1.\\u0007SS-TYPE-N1\\rUnderwriting substandard rating decision occurrence one.\""
},
{
"id": "30245a23-eba9-4e7a-8d55-cfb7e8cdd073",
"text": "\"System Reference Manual \\n \\n \\n \\n\\u00a9 2023 NTT DATA, Inc. | Proprietary and Confidential | July 5, 2024 1604 \\n \\n \\n4. SUB TYPE \\n Three-digit SUB TYPE of Plan Record. Must be \\u201c302\\u201d. \\n \\n5. EFFECTIVE DATE \\n Date Plan Data is in effect. Must be in YYYYMMDD format. This field cannot be blank \\nnot allowed. \\n \\nGUARANTEED COI RATING (4 occurrences) \\n6. METHOD \\n Two position code describing the type of premium entry or the basis of the premium \\nentry. The METHOD is used to access the Premium Rate Factor File (available through \\nScreen 94). Input is required (in all four occurrences), valid values include: \\n 00 not used \\n 01 premium rate by flat amount per volume of coverage (included in \\nsubstandard premium calculations) \\n 02 first year additional deposit \\n 03 flat annual premium amount \\n 05 expense charge \\n 06 current and guaranteed COI by percentage of total target premium of all \\ninsureds\\u2019 coverages (included in substandard calculations) \\n 07 policy fee plus account value load defined on COI Ruleset \\n 08 pass requested payment amount for external calculation \\n 09 pass initial lump sum for external calculation \\n 10 pass requested payment amount and initial lump sum for external \\ncalculation \\n 11 premium rate by percentage of total premium of an insured\\u2019s coverages \\n(included in substandard calculations) \\n 13 premium rate by flat amount per volume of coverage (not included in \\nsubstandard premium calculation for substandard type 30) \\n 15 flat amount additional load (added to the fund at time of premium \\npayment and deducted at time of COI deduction) \\n20 premium rate by percentage of total COI of contract benefit amount = total \\nunits of contract, for use of SBCs only. SBC 20s benefit is total COI units \\non contract. \\n21 premium rate by percentage of total COI of contract benefit amount = total \\nunits of contract, for use of SBCs only. SBC 20s benefit is total COI on \\ncontract. \\n 50 premium rate by flat amount per volume of coverage (percent \\nsubstandard is a percent of first year COI rate) \\n 90 minimum premium\"",
"file_name": "System Reference-LifeSys System Reference.pdf",
"page_label": "1604"
},
{
"id": "6f8c073a-3320-4a69-aa1c-c3ad3902d0b7",
"text": "\"System Reference Manual \\n \\n \\n \\n\\u00a9 2023 NTT DATA, Inc. | Proprietary and Confidential | July 5, 2024 1604 \\n \\n \\n4. SUB TYPE \\n Three-digit SUB TYPE of Plan Record. Must be \\u201c302\\u201d. \\n \\n5. EFFECTIVE DATE \\n Date Plan Data is in effect. Must be in YYYYMMDD format. This field cannot be blank \\nnot allowed. \\n \\nGUARANTEED COI RATING (4 occurrences) \\n6. METHOD \\n Two position code describing the type of premium entry or the basis of the premium \\nentry. The METHOD is used to access the Premium Rate Factor File (available through \\nScreen 94). Input is required (in all four occurrences), valid values include: \\n 00 not used \\n 01 premium rate by flat amount per volume of coverage (included in \\nsubstandard premium calculations) \\n 02 first year additional deposit \\n 03 flat annual premium amount \\n 05 expense charge \\n 06 current and guaranteed COI by percentage of total target premium of all \\ninsureds\\u2019 coverages (included in substandard calculations) \\n 07 policy fee plus account value load defined on COI Ruleset \\n 08 pass requested payment amount for external calculation \\n 09 pass initial lump sum for external calculation \\n 10 pass requested payment amount and initial lump sum for external \\ncalculation \\n 11 premium rate by percentage of total premium of an insured\\u2019s coverages \\n(included in substandard calculations) \\n 13 premium rate by flat amount per volume of coverage (not included in \\nsubstandard premium calculation for substandard type 30) \\n 15 flat amount additional load (added to the fund at time of premium \\npayment and deducted at time of COI deduction) \\n20 premium rate by percentage of total COI of contract benefit amount = total \\nunits of contract, for use of SBCs only. SBC 20s benefit is total COI units \\non contract. \\n21 premium rate by percentage of total COI of contract benefit amount = total \\nunits of contract, for use of SBCs only. SBC 20s benefit is total COI on \\ncontract. \\n 50 premium rate by flat amount per volume of coverage (percent \\nsubstandard is a percent of first year COI rate) \\n 90 minimum premium\"",
"file_name": "System Reference-General Maintenance.pdf",
"page_label": "436"
},
{
"id": "9513866b-f125-4b35-9e12-f1c9ab41a43f",
"text": "\"System Reference Manual \\n \\n \\n \\n\\u00a9 2023 NTT DATA, Inc. | Proprietary and Confidential | July 5, 2024 1558 \\n \\n \\n4. SUB TYPE \\n Subtype of plan record. Do not enter on this screen. \\n \\n5. EFFECTIVE DATE \\n Date plan data is in effect. Do not enter on this screen. \\n \\nCURRENT PREMIUM RATING ENTRIES \\n6. METHOD \\n This field contains a two position code describing the type of premium entry or the basis \\nof the premium entry. The METHOD is used to access the Premium Rate Factor File \\n(available through 94 screen). Input is required (in all four occurrences), valid values \\ninclude: \\n 00 not used \\n 01 premium rate by flat amount per volume of coverage (included in \\nsubstandard premium calculations) \\n 02 first year additional deposit \\n 03 flat annual premium amount \\n 05 expense charge \\n 06 waiver of target - COI rate by percentage of total target premium of all \\ninsureds coverages (allowed on current and guaranteed COI tables only) \\n(included in substandard calculations) \\n 07 policy fee plus account value load defined on COI Ruleset \\n 08 pass requested payment amount for external calculation \\n 09 pass initial lump sum for external calculation \\n 10 pass requested payment amount and initial lump sum for external \\ncalculation \\n 11 premium rate by percentage of total premium of an insureds\\u2019 coverages \\n(included in substandard calculations) \\n 13 premium rate by flat amount per volume of coverage (not included in \\nsubstandard premium calculation for substandard type 30) \\n 14 mode policy fee \\n 15 flat amount additional load (added to the fund at time of premium \\npayment and deducted at time of COI deduction) \\n 16 minimum and target premium rate by percentage of total target premium \\nof all insured\\u2019s coverages, excluding waiver \\n 18 used only for return of premium defined as an additional benefit. The \\npremium rate (defined as a dollar amount) x the total of the premium for \\nthe insured\\u2019s basic coverage + all other coverages defined as additional \\nbenefits (excludes any other SBC\\u2019s and charge codes) \\n 50 premium rate by flat amount per volume of coverage (percent \\nsubstandard is a percent of first year COI rate)\"",
"file_name": "System Reference-General Maintenance.pdf",
"page_label": "390"
},
{
"id": "f30abd38-6d95-4bc3-be27-a336391cd640",
"text": "\"System Reference Manual \\n \\n \\n \\n\\u00a9 2023 NTT DATA, Inc. | Proprietary and Confidential | July 5, 2024 1558 \\n \\n \\n4. SUB TYPE \\n Subtype of plan record. Do not enter on this screen. \\n \\n5. EFFECTIVE DATE \\n Date plan data is in effect. Do not enter on this screen. \\n \\nCURRENT PREMIUM RATING ENTRIES \\n6. METHOD \\n This field contains a two position code describing the type of premium entry or the basis \\nof the premium entry. The METHOD is used to access the Premium Rate Factor File \\n(available through 94 screen). Input is required (in all four occurrences), valid values \\ninclude: \\n 00 not used \\n 01 premium rate by flat amount per volume of coverage (included in \\nsubstandard premium calculations) \\n 02 first year additional deposit \\n 03 flat annual premium amount \\n 05 expense charge \\n 06 waiver of target - COI rate by percentage of total target premium of all \\ninsureds coverages (allowed on current and guaranteed COI tables only) \\n(included in substandard calculations) \\n 07 policy fee plus account value load defined on COI Ruleset \\n 08 pass requested payment amount for external calculation \\n 09 pass initial lump sum for external calculation \\n 10 pass requested payment amount and initial lump sum for external \\ncalculation \\n 11 premium rate by percentage of total premium of an insureds\\u2019 coverages \\n(included in substandard calculations) \\n 13 premium rate by flat amount per volume of coverage (not included in \\nsubstandard premium calculation for substandard type 30) \\n 14 mode policy fee \\n 15 flat amount additional load (added to the fund at time of premium \\npayment and deducted at time of COI deduction) \\n 16 minimum and target premium rate by percentage of total target premium \\nof all insured\\u2019s coverages, excluding waiver \\n 18 used only for return of premium defined as an additional benefit. The \\npremium rate (defined as a dollar amount) x the total of the premium for \\nthe insured\\u2019s basic coverage + all other coverages defined as additional \\nbenefits (excludes any other SBC\\u2019s and charge codes) \\n 50 premium rate by flat amount per volume of coverage (percent \\nsubstandard is a percent of first year COI rate)\"",
"file_name": "System Reference-LifeSys System Reference.pdf",
"page_label": "1558"
},
{
"id": "54560ceb-769e-4e69-a07a-58fd7f41fac3",
"text": "\"System Reference Manual \\n \\n \\n \\n\\u00a9 2022 NTT DATA, Inc. | Proprietary and Confidential | April 20 2020 981 \\n \\n \\nField Descriptions \\n1. POLICY STATUS (D) \\n One-digit code for status of policy. Refer to Policy Status Table in the General \\nInformation Manual. \\n \\n2. POLICY ID \\n Eight-digit policy identification number. \\n \\n3. PAYMENT STREAM ID \\n Five-digit payment stream identification number. \\n \\n4. OF (D) \\n Identifies which payment stream on the policy. \\n \\n5. ON POLICY (D) \\n The number of payment streams on the policy. \\n \\n6. ADJUSTED PYMT AMT \\nThis field displays the new starting payment amount to be used for the repetitive \\npayment amount. The amount is used for any payment date equal to or after the ADJ \\nPYMT EFF DATE. It is NOT used for any payment date prior to the ADJ PYMT EFF \\nDATE. This field is used most often when there is a calculation or rounding difference for \\nthose payments that have a COLA. \\n \\n7. RATE TBL STRT DATE \\nThis field displays the date to begin using the COLA Rate Table in calculations in the \\nformat MM/DD/YYYY. If this field is blank, it indicates that a COLA Rate Table should \\nnot be used for calculations. \\n \\n8. ADJ PYMT EFF DATE \\nThis field indicates the effective date of the amount in the ADJUSTED PYMT AMT field. \\nWhen the COLA Rate Table is utilized this date has to be equal to the RATE TBL STRT \\nDATE. Exceptions to this may be loaded with company conversion; however, screen \\nedits will require the dates to be equal if they are updated online. \\n \\n9. COLA PURCHASE DATE \\nThis field indicates the date the COLA benefit was purchased in the format \\nMM/DD/YYYY.\"",
"file_name": "System Reference-Repetitive Pay.pdf",
"page_label": "16"
},
{
"id": "4c8cabd5-bfff-4cf1-99c8-712464e4c799",
"text": "\"System Reference Manual \\n \\n \\n \\n\\u00a9 2023 NTT DATA, Inc. | Proprietary and Confidential | July 5, 2024 1624 \\n \\n \\n \\n15. STACKBY \\n See STACKBY codes for Plan File Maintenance (95) screen, 100-199/300 record, 3rd \\npage. \\n \\nNO LAPSE PREMIUM RATING \\u2013 TIER 4 \\n16. METHOD \\nThis field contains a two-position code describing the type of premium entry or the basis \\nof the premium entry. The METHOD is used to access the Premium Rate Factor File \\nwhich is available through Rate Maintenance (94) screen. Input is required (in all four \\noccurrences), valid values include: \\n 00 not used \\n 01 premium rate by flat amount per volume of coverage (included in \\nsubstandard premium calculations) \\n 02 first year additional deposit \\n 03 flat annual premium amount \\n 05 expense charge \\n 06 current and guaranteed COI by percentage of total target premium of all \\ninsureds\\u2019 coverages (included in substandard calculations) \\n 07 policy fee plus account value load defined on COI Ruleset \\n 08 pass requested payment amount for external calculation \\n 09 pass initial lump sum for external calculation \\n 10 pass requested payment amount and initial lump sum for external \\ncalculation \\n 11 premium rate by percentage of total premium of an insureds\\u2019 coverages \\n(included in substandard calculations) \\n 13 premium rate by flat amount per volume of coverage (not included in \\nsubstandard premium calculation for substandard type 30). \\n 15 flat amount additional load (added to the fund at time of premium \\npayment and deducted at time of COI deduction) \\n 20 premium rate by percentage of total COI of contract benefit amount = total \\nunits of contract, for use of SBC\\u2019s only \\n 50 premium rate by flat amount per volume of coverage (percent \\nsubstandard is a percent of first year COI rate) \\n 90 minimum premium \\n 91 maximum premium\"",
"file_name": "System Reference-General Maintenance.pdf",
"page_label": "456"
},
{
"id": "c8beb4b7-83ce-415e-ac36-231d21196be8",
"text": "\"System Reference Manual \\n \\n \\n \\n\\u00a9 2023 NTT DATA, Inc. | Proprietary and Confidential | July 5, 2024 1624 \\n \\n \\n \\n15. STACKBY \\n See STACKBY codes for Plan File Maintenance (95) screen, 100-199/300 record, 3rd \\npage. \\n \\nNO LAPSE PREMIUM RATING \\u2013 TIER 4 \\n16. METHOD \\nThis field contains a two-position code describing the type of premium entry or the basis \\nof the premium entry. The METHOD is used to access the Premium Rate Factor File \\nwhich is available through Rate Maintenance (94) screen. Input is required (in all four \\noccurrences), valid values include: \\n 00 not used \\n 01 premium rate by flat amount per volume of coverage (included in \\nsubstandard premium calculations) \\n 02 first year additional deposit \\n 03 flat annual premium amount \\n 05 expense charge \\n 06 current and guaranteed COI by percentage of total target premium of all \\ninsureds\\u2019 coverages (included in substandard calculations) \\n 07 policy fee plus account value load defined on COI Ruleset \\n 08 pass requested payment amount for external calculation \\n 09 pass initial lump sum for external calculation \\n 10 pass requested payment amount and initial lump sum for external \\ncalculation \\n 11 premium rate by percentage of total premium of an insureds\\u2019 coverages \\n(included in substandard calculations) \\n 13 premium rate by flat amount per volume of coverage (not included in \\nsubstandard premium calculation for substandard type 30). \\n 15 flat amount additional load (added to the fund at time of premium \\npayment and deducted at time of COI deduction) \\n 20 premium rate by percentage of total COI of contract benefit amount = total \\nunits of contract, for use of SBC\\u2019s only \\n 50 premium rate by flat amount per volume of coverage (percent \\nsubstandard is a percent of first year COI rate) \\n 90 minimum premium \\n 91 maximum premium\"",
"file_name": "System Reference-LifeSys System Reference.pdf",
"page_label": "1624"
},
{
"id": "7ca0620c-a9b9-4e6f-b0f7-5006337ca8e5",
"text": "\"System Reference Manual \\n \\n \\n \\n\\u00a9 2023 NTT DATA, Inc. | Proprietary and Confidential | July 5, 2024 1622 \\n \\n \\n5. EFFECTIVE DATE \\nDate plan data is in effect. Must be in YYYYMMDD format. Spaces not allowed. \\n \\nNO LAPSE PREMIUM RATING \\u2013 TIER 3 \\n6. METHOD \\nThis field contains a two position code describing the type of premium entry or the basis \\nof the premium entry. The METHOD is used to access the Premium Rate Factor File \\nwhich is available through Rate Maintenance (94) screen. Input is required (in all four \\noccurrences), valid values include: \\n 00 not used \\n 01 premium rate by flat amount per volume of coverage (included in \\nsubstandard premium calculations) \\n 02 first year additional deposit \\n 03 flat annual premium amount \\n 05 expense charge \\n 06 current and guaranteed COI by percentage of total target premium of all \\ninsureds\\u2019 coverages (included in substandard calculations) \\n 07 policy fee plus account value load defined on COI Ruleset \\n 08 pass requested payment amount for external calculation \\n 09 pass initial lump sum for external calculation \\n 10 pass requested payment amount and initial lump sum for external \\ncalculation \\n 11 premium rate by percentage of total premium of an insureds\\u2019 coverages \\n(included in substandard calculations) \\n 13 premium rate by flat amount per volume of coverage (not included in \\nsubstandard premium calculation for substandard type 30). \\n 15 flat amount additional load (added to the fund at time of premium \\npayment and deducted at time of COI deduction) \\n 20 premium rate by percentage of total COI of contract benefit amount = total \\nunits of contract, for use of SBC\\u2019s only \\n 50 premium rate by flat amount per volume of coverage (percent \\nsubstandard is a percent of first year COI rate) \\n 90 minimum premium \\n 91 maximum premium\"",
"file_name": "System Reference-LifeSys System Reference.pdf",
"page_label": "1622"
},
{
"id": "8513ca38-9f93-49da-be9c-d5ccf53565cb",
"text": "\"System Reference Manual \\n \\n \\n \\n\\u00a9 2023 NTT DATA, Inc. | Proprietary and Confidential | July 5, 2024 1618 \\n \\n \\n14. EFFDATE \\n See EFFDATE codes for Plan File Maintenance (95) screen, 100-199/300 record, 3rd \\npage. \\n \\n15. STACKBY \\n See STACKBY codes for Plan File Maintenance (95) screen, 100-199/300 record, 3rd \\npage. \\n \\nNO LAPSE PREMIUM RATING \\u2013 TIER 2 \\n16. METHOD \\nThis field contains a two position code describing the type of premium entry or the basis \\nof the premium entry. The METHOD is used to access the Premium Rate Factor File \\nwhich is available through Rate Maintenance (94) screen. Input is required (in all four \\noccurrences), valid values include: \\n 00 not used \\n 01 premium rate by flat amount per volume of coverage (included in \\nsubstandard premium calculations) \\n 02 first year additional deposit \\n 03 flat annual premium amount \\n 05 expense charge \\n 06 current and guaranteed COI by percentage of total target premium of all \\ninsureds\\u2019 coverages (included in substandard calculations) \\n 07 policy fee plus account value load defined on COI Ruleset \\n 08 pass requested payment amount for external calculation \\n 09 pass initial lump sum for external calculation \\n 10 pass requested payment amount and initial lump sum for external \\ncalculation \\n 11 premium rate by percentage of total premium of an insureds\\u2019 coverages \\n(included in substandard calculations) \\n 13 premium rate by flat amount per volume of coverage (not included in \\nsubstandard premium calculation for substandard type \\u201c30\\u201d). \\n 15 flat amount additional load (added to the fund at time of premium \\npayment and deducted at time of COI deduction) \\n 20 premium rate by percentage of total COI of contract benefit amount = total \\nunits of contract, for use of SBC\\u2019s only \\n 50 premium rate by flat amount per volume of coverage (percent \\nsubstandard is a percent of first year COI rate) \\n 90 minimum premium \\n 91 maximum premium\"",
"file_name": "System Reference-General Maintenance.pdf",
"page_label": "450"
},
{
"id": "97eee4ef-0d38-47fb-9f51-c663989442a9",
"text": "\"System Reference Manual \\n \\n \\n \\n\\u00a9 2023 NTT DATA, Inc. | Proprietary and Confidential | July 5, 2024 1622 \\n \\n \\n5. EFFECTIVE DATE \\nDate plan data is in effect. Must be in YYYYMMDD format. Spaces not allowed. \\n \\nNO LAPSE PREMIUM RATING \\u2013 TIER 3 \\n6. METHOD \\nThis field contains a two position code describing the type of premium entry or the basis \\nof the premium entry. The METHOD is used to access the Premium Rate Factor File \\nwhich is available through Rate Maintenance (94) screen. Input is required (in all four \\noccurrences), valid values include: \\n 00 not used \\n 01 premium rate by flat amount per volume of coverage (included in \\nsubstandard premium calculations) \\n 02 first year additional deposit \\n 03 flat annual premium amount \\n 05 expense charge \\n 06 current and guaranteed COI by percentage of total target premium of all \\ninsureds\\u2019 coverages (included in substandard calculations) \\n 07 policy fee plus account value load defined on COI Ruleset \\n 08 pass requested payment amount for external calculation \\n 09 pass initial lump sum for external calculation \\n 10 pass requested payment amount and initial lump sum for external \\ncalculation \\n 11 premium rate by percentage of total premium of an insureds\\u2019 coverages \\n(included in substandard calculations) \\n 13 premium rate by flat amount per volume of coverage (not included in \\nsubstandard premium calculation for substandard type 30). \\n 15 flat amount additional load (added to the fund at time of premium \\npayment and deducted at time of COI deduction) \\n 20 premium rate by percentage of total COI of contract benefit amount = total \\nunits of contract, for use of SBC\\u2019s only \\n 50 premium rate by flat amount per volume of coverage (percent \\nsubstandard is a percent of first year COI rate) \\n 90 minimum premium \\n 91 maximum premium\"",
"file_name": "System Reference-General Maintenance.pdf",
"page_label": "454"
},
{
"id": "043fb444-14b7-4705-aea7-133b8001ecbf",
"text": "\"System Reference Manual \\n \\n \\n \\n\\u00a9 2023 NTT DATA, Inc. | Proprietary and Confidential | July 5, 2024 1618 \\n \\n \\n14. EFFDATE \\n See EFFDATE codes for Plan File Maintenance (95) screen, 100-199/300 record, 3rd \\npage. \\n \\n15. STACKBY \\n See STACKBY codes for Plan File Maintenance (95) screen, 100-199/300 record, 3rd \\npage. \\n \\nNO LAPSE PREMIUM RATING \\u2013 TIER 2 \\n16. METHOD \\nThis field contains a two position code describing the type of premium entry or the basis \\nof the premium entry. The METHOD is used to access the Premium Rate Factor File \\nwhich is available through Rate Maintenance (94) screen. Input is required (in all four \\noccurrences), valid values include: \\n 00 not used \\n 01 premium rate by flat amount per volume of coverage (included in \\nsubstandard premium calculations) \\n 02 first year additional deposit \\n 03 flat annual premium amount \\n 05 expense charge \\n 06 current and guaranteed COI by percentage of total target premium of all \\ninsureds\\u2019 coverages (included in substandard calculations) \\n 07 policy fee plus account value load defined on COI Ruleset \\n 08 pass requested payment amount for external calculation \\n 09 pass initial lump sum for external calculation \\n 10 pass requested payment amount and initial lump sum for external \\ncalculation \\n 11 premium rate by percentage of total premium of an insureds\\u2019 coverages \\n(included in substandard calculations) \\n 13 premium rate by flat amount per volume of coverage (not included in \\nsubstandard premium calculation for substandard type \\u201c30\\u201d). \\n 15 flat amount additional load (added to the fund at time of premium \\npayment and deducted at time of COI deduction) \\n 20 premium rate by percentage of total COI of contract benefit amount = total \\nunits of contract, for use of SBC\\u2019s only \\n 50 premium rate by flat amount per volume of coverage (percent \\nsubstandard is a percent of first year COI rate) \\n 90 minimum premium \\n 91 maximum premium\"",
"file_name": "System Reference-LifeSys System Reference.pdf",
"page_label": "1618"
},
{
"id": "6bd0a82a-c6dd-4e66-8618-067834719844",
"text": "\"System Reference Manual \\n \\n \\n \\n\\u00a9 2023 NTT DATA, Inc. | Proprietary and Confidential | July 5, 2024 1606 \\n \\n \\n15. STACKBY \\n See STACKBY codes for TYPE \\u201c100\\u201d-\\u201c199\\u201d SUB TYPE \\u201c300\\u201d, Screen. \\n \\n16. GUARANTEED COI WP EXCLUSION TABLE \\n A table of up to 3 SBCs that may be excluded from the waiver of premium calculation. \\nThe exclusion is used only for waiver plans using premium rating method 11. \\n \\nNOTE: Excluded SBC\\u2019s should be coded on waiver\\u2019s plan record (i.e. Plan File Maintenance \\n(95) screen 120/302 record). \\n \\nCURRENT COI RATING (4 occurrences) \\n17. METHOD \\n Two position code describing the type of premium entry or the basis of the premium \\nentry. The METHOD is used to access the Premium Rate Factor File (available through \\n94 screen). Input is required (in all four occurrences), valid values include: \\n 00 not used \\n 01 premium rate by flat amount per volume of coverage (included in \\nsubstandard premium calculations) \\n 02 first year additional deposit \\n 03 flat annual premium amount \\n 05 expense charge \\n 06 current and guaranteed COI by percentage of total target premium of all \\ninsureds\\u2019 coverages (included in substandard calculations) \\n 07 policy fee plus account value load defined on COI Ruleset \\n 08 pass requested payment amount for external calculation \\n 09 pass initial lump sum for external calculation \\n 10 pass requested payment amount and initial lump sum for external \\ncalculation \\n 11 premium rate by percentage of total premium of an insureds\\u2019 coverages \\n(included in substandard calculations) \\n 13 premium rate by flat amount per volume of coverage (not included in \\nsubstandard premium calculation for substandard type 30). \\n 15 flat amount additional load (added to the fund at time of premium \\npayment and deducted at time of COI deduction) \\n 20 premium rate by percentage of total COI of contract benefit amount = total \\nunits of contract, for use of SBC\\u2019s only. SBC 20s benefit is total COI units \\nof contract \\n 21 premium rate by percentage of total COI of contract benefit amount = total \\nCOI of contract, for use of SBCs only. SBC 20s benefit is total COI \\namount on contract.\"",
"file_name": "System Reference-LifeSys System Reference.pdf",
"page_label": "1606"
},
{
"id": "f62ade81-8be2-4f26-8501-c87b27eb8316",
"text": "\"System Reference Manual \\n \\n \\n \\n\\u00a9 2023 NTT DATA, Inc. | Proprietary and Confidential | July 5, 2024 1606 \\n \\n \\n15. STACKBY \\n See STACKBY codes for TYPE \\u201c100\\u201d-\\u201c199\\u201d SUB TYPE \\u201c300\\u201d, Screen. \\n \\n16. GUARANTEED COI WP EXCLUSION TABLE \\n A table of up to 3 SBCs that may be excluded from the waiver of premium calculation. \\nThe exclusion is used only for waiver plans using premium rating method 11. \\n \\nNOTE: Excluded SBC\\u2019s should be coded on waiver\\u2019s plan record (i.e. Plan File Maintenance \\n(95) screen 120/302 record). \\n \\nCURRENT COI RATING (4 occurrences) \\n17. METHOD \\n Two position code describing the type of premium entry or the basis of the premium \\nentry. The METHOD is used to access the Premium Rate Factor File (available through \\n94 screen). Input is required (in all four occurrences), valid values include: \\n 00 not used \\n 01 premium rate by flat amount per volume of coverage (included in \\nsubstandard premium calculations) \\n 02 first year additional deposit \\n 03 flat annual premium amount \\n 05 expense charge \\n 06 current and guaranteed COI by percentage of total target premium of all \\ninsureds\\u2019 coverages (included in substandard calculations) \\n 07 policy fee plus account value load defined on COI Ruleset \\n 08 pass requested payment amount for external calculation \\n 09 pass initial lump sum for external calculation \\n 10 pass requested payment amount and initial lump sum for external \\ncalculation \\n 11 premium rate by percentage of total premium of an insureds\\u2019 coverages \\n(included in substandard calculations) \\n 13 premium rate by flat amount per volume of coverage (not included in \\nsubstandard premium calculation for substandard type 30). \\n 15 flat amount additional load (added to the fund at time of premium \\npayment and deducted at time of COI deduction) \\n 20 premium rate by percentage of total COI of contract benefit amount = total \\nunits of contract, for use of SBC\\u2019s only. SBC 20s benefit is total COI units \\nof contract \\n 21 premium rate by percentage of total COI of contract benefit amount = total \\nCOI of contract, for use of SBCs only. SBC 20s benefit is total COI \\namount on contract.\"",
"file_name": "System Reference-General Maintenance.pdf",
"page_label": "438"
},
{
"id": "4e5f1f31-8f9e-43bd-8233-570352e74771",
"text": "\"System Reference Manual \\n \\n \\n \\n\\u00a9 2023 NTT DATA, Inc. | Proprietary and Confidential | July 5, 2024 1002 \\n \\n \\nField Descriptions \\n1. POLICY STATUS (D) \\n One-digit code for status of policy. Refer to Policy Status Table in the General \\nInformation Manual. \\n \\n2. POLICY ID \\n Eight-digit policy identification number. \\n \\n3. PAYMENT STREAM ID \\n Five-digit payment stream identification number. \\n \\n4. OF (D) \\n Identifies which payment stream on the policy. \\n \\n5. ON POLICY (D) \\n The number of payment streams on the policy. \\n \\n6. ADJUSTED PYMT AMT \\nThis field displays the new starting payment amount to be used for the repetitive \\npayment amount. The amount is used for any payment date equal to or after the ADJ \\nPYMT EFF DATE. It is NOT used for any payment date prior to the ADJ PYMT EFF \\nDATE. This field is used most often when there is a calculation or rounding difference for \\nthose payments that have a COLA. \\n \\n7. RATE TBL STRT DATE \\nThis field displays the date to begin using the COLA Rate Table in calculations in the \\nformat MM/DD/YYYY. If this field is blank, it indicates that a COLA Rate Table should \\nnot be used for calculations. \\n \\n8. ADJ PYMT EFF DATE \\nThis field indicates the effective date of the amount in the ADJUSTED PYMT AMT field. \\nWhen the COLA Rate Table is utilized this date has to be equal to the RATE TBL STRT \\nDATE. Exceptions to this may be loaded with company conversion; however, screen \\nedits will require the dates to be equal if they are updated online. \\n \\n9. COLA PURCHASE DATE \\nThis field indicates the date the COLA benefit was purchased in the format \\nMM/DD/YYYY.\"",
"file_name": "System Reference-LifeSys System Reference.pdf",
"page_label": "1002"
},
{
"id": "b335b726-1a7e-4954-a5f8-afa068398c9f",
"text": "\"System Reference Manual \\n \\n \\n \\n\\u00a9 2023 NTT DATA, Inc. | Proprietary and Confidential | July 5, 2024 1573 \\n \\n \\n14. DESIGNATED AMT \\n Seven position numeric additional amount to be used in the death benefit calculation (for \\ndeath benefit option 1). The death benefit equals the larger of face or (fund + designated \\namt). \\n \\nNOTE: See Policy Maintenance (21/7) Screen, Universal Life Face Amount Maintenance, field \\nCURR OPT for specific calculation. \\n \\n15. COI TIMING METHOD \\n This field indicates if the system should allow COI to be deducted at the end of the policy \\nmonth or year instead of on the COI due date. \\n 1 deduct COI on the COI due date \\n 2 delay COI deduction until the end of the policy month when the COI mode \\nis monthly, or the end of the policy year when the COI mode is annual \\n \\nNOTE: This control may only be \\u201c2\\u201d when COI DEDUCTION MODE is \\u201c2\\u201d or \\u201c5\\u201d, and COI \\nCALCULATE MODE is \\u201c0\\u201d, \\u201c1\\u201d or \\u201c12\\u201d. \\n \\n16. GDLN RECALC MTHD \\nThis field will indicate the recalculation method to be used when a policy change occurs. \\nValid values are: \\n001 Not applicable \\n002 Recalculate guideline premium using LifeSys method \\n003 Recalculate guideline premium using Dole-Bentsen method \\n \\n17. ASSUMED PREMIUM \\nThis field indicates if assumed premium is allowed and the formula to calculate assumed \\npremium. \\n 1 do not allow \\n 2 allow amount of assumed deposits = (sum of current SBC prems + basic \\nprem) * mode \\n 3 allow amount of assumed deposit = lap + prem of COI SBC\\u2019s \\n \\nThis control may only be \\u201c2\\u201d or \\u201c3\\u201d when COI DEDUCTION MTHD is \\u201c2\\u201d. \\n \\n18. CVAT/CORR METHOD \\nOne position code controlling which factor to use in the calculation of the Death Benefit \\nAmount and NAR which is associated with the COI calculation. When GUIDELINE \\nPREM CALC is \\u201c2\\u201d, this field must be a value of \\u201c1\\u201d. \\n1 Use CVAT factors if they exist for Death Benefit Amount and NAR.\"",
"file_name": "System Reference-LifeSys System Reference.pdf",
"page_label": "1573"
},
{
"id": "6d3a689f-f68c-483c-b3d4-c090310f456d",
"text": "\"System Reference Manual \\n \\n \\n \\n\\u00a9 2023 NTT DATA, Inc. | Proprietary and Confidential | July 5, 2024 1616 \\n \\n \\n5. EFFECTIVE DATE \\nThis field indicates the date plan data is in effect. This date must be in YYYYMMDD \\nformat. This field cannot be blank. \\n \\nNO LAPSE PREMIUM RATING \\u2013 TIER 1 \\n6. METHOD \\nThis field contains a two position code describing the type of premium entry or the basis \\nof the premium entry. The METHOD is used to access the Premium Rate Factor File \\nwhich is available through Rate Maintenance (94) screen. Input is required (in all four \\noccurrences), valid values include: \\n 00 not used \\n 01 premium rate by flat amount per volume of coverage (included in \\nsubstandard premium calculations) \\n 02 first year additional deposit \\n 03 flat annual premium amount \\n 05 expense charge \\n 06 current and guaranteed COI by percentage of total target premium of all \\ninsureds\\u2019 coverages (included in substandard calculations) \\n 07 policy fee plus account value load defined on COI Ruleset \\n 08 pass requested payment amount for external calculation \\n 09 pass initial lump sum for external calculation \\n 10 pass requested payment amount and initial lump sum for external \\ncalculation \\n 11 premium rate by percentage of total premium of an insureds\\u2019 coverages \\n(included in substandard calculations) \\n 13 premium rate by flat amount per volume of coverage (not included in \\nsubstandard premium calculation for substandard type 30). \\n 15 flat amount additional load (added to the fund at time of premium \\npayment and deducted at time of COI deduction) \\n 20 premium rate by percentage of total COI of contract benefit amount = total \\nunits of contract, for use of SBC\\u2019s only \\n 50 premium rate by flat amount per volume of coverage (percent \\nsubstandard is a percent of first year COI rate) \\n 90 minimum premium \\n 91 maximum premium\"",
"file_name": "System Reference-General Maintenance.pdf",
"page_label": "448"
},
{
"id": "d5beb81b-e182-4c03-a157-8d0077748a3f",
"text": "\"System Reference Manual \\n \\n \\n \\n\\u00a9 2023 NTT DATA, Inc. | Proprietary and Confidential | July 5, 2024 1616 \\n \\n \\n5. EFFECTIVE DATE \\nThis field indicates the date plan data is in effect. This date must be in YYYYMMDD \\nformat. This field cannot be blank. \\n \\nNO LAPSE PREMIUM RATING \\u2013 TIER 1 \\n6. METHOD \\nThis field contains a two position code describing the type of premium entry or the basis \\nof the premium entry. The METHOD is used to access the Premium Rate Factor File \\nwhich is available through Rate Maintenance (94) screen. Input is required (in all four \\noccurrences), valid values include: \\n 00 not used \\n 01 premium rate by flat amount per volume of coverage (included in \\nsubstandard premium calculations) \\n 02 first year additional deposit \\n 03 flat annual premium amount \\n 05 expense charge \\n 06 current and guaranteed COI by percentage of total target premium of all \\ninsureds\\u2019 coverages (included in substandard calculations) \\n 07 policy fee plus account value load defined on COI Ruleset \\n 08 pass requested payment amount for external calculation \\n 09 pass initial lump sum for external calculation \\n 10 pass requested payment amount and initial lump sum for external \\ncalculation \\n 11 premium rate by percentage of total premium of an insureds\\u2019 coverages \\n(included in substandard calculations) \\n 13 premium rate by flat amount per volume of coverage (not included in \\nsubstandard premium calculation for substandard type 30). \\n 15 flat amount additional load (added to the fund at time of premium \\npayment and deducted at time of COI deduction) \\n 20 premium rate by percentage of total COI of contract benefit amount = total \\nunits of contract, for use of SBC\\u2019s only \\n 50 premium rate by flat amount per volume of coverage (percent \\nsubstandard is a percent of first year COI rate) \\n 90 minimum premium \\n 91 maximum premium\"",
"file_name": "System Reference-LifeSys System Reference.pdf",
"page_label": "1616"
},
{
"id": "0bfdf262-b140-4260-8f5b-cfba2d073c9a",
"text": "\"System Reference Manual \\n \\n \\n \\n\\u00a9 2023 NTT DATA, Inc. | Proprietary and Confidential | July 5, 2024 1613 \\n \\n \\nSHADOW ACCT COI RATING \\n6. METHOD \\nTwo position code describing the type of premium entry or the basis of the premium \\nentry. The METHOD is used to access the Premium Rate Factor File which is available \\nthrough Rate Maintenance (94) screen. Input is required (in all four occurrences), valid \\nvalues include: \\n 00 not used \\n 01 premium rate by flat amount per volume of coverage (included in \\nsubstandard premium calculations) \\n 02 first year additional deposit \\n 03 flat annual premium amount \\n 05 expense charge \\n 06 current and guaranteed COI by percentage of total target premium of all \\ninsureds\\u2019 coverages (included in substandard calculations) \\n 07 policy fee plus account value load defined on COI Ruleset \\n 08 pass requested payment amount for external calculation \\n 09 pass initial lump sum for external calculation \\n 10 pass requested payment amount and initial lump sum for external \\ncalculation \\n 11 premium rate by percentage of total premium of an insureds\\u2019 coverages \\n(included in substandard calculations) \\n 13 premium rate by flat amount per volume of coverage (not included in \\nsubstandard premium calculation for substandard type 30). \\n 15 flat amount additional load (added to the fund at time of premium \\npayment and deducted at time of COI deduction) \\n 20 premium rate by percentage of total COI of contract benefit amount = total \\nunits of contract, for use of SBC\\u2019s only \\n 50 premium rate by flat amount per volume of coverage (percent \\nsubstandard is a percent of first year COI rate) \\n 90 minimum premium \\n 91 maximum premium \\n \\n7. RATEKEY \\nSix position field identifying the set of Rates to access during the calculation of \\npremiums for this plan. The RATEKEY field may be used to allow several plans to \\nreference the same Rate Record as well as allowing a specific set of Rates to be \\nestablished for a specific plan. Valid entry into the RATEKEY field includes: \\nblank when not applicable or \\nany other value (up to six positions) to access a specific set of \\nrates\"",
"file_name": "System Reference-General Maintenance.pdf",
"page_label": "445"
},
{
"id": "c1d8a023-ded4-41a8-9c06-10a65f5d3507",
"text": "\"Valid values are:\\r\\\"001\\\" - not required\\r\\\"002\\\" - use method = c (bom, pac, eft) and mode = 4 (quarterly)\\r\\\"003\\\" - use method = d (salsa) and mode = 4 (quarterly)\\r\\\"004\\\" - use method = 02 and mode = 12 (monthly)\\r\\\"005\\\" - use method = 05 and mode = 12 (monthly)\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007100 - guaranteed premium code. Valid values are:\\r\\\"001\\\" - not required\\r\\\"002\\\" - calculate guaranteed premium\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007101 - guideline premium calculation code. Valid values are:\\r\\\"001\\\" - not required\\r\\\"002\\\" - calculate guideline premium\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007102 - surrender charge premium code. Valid values are:\\r\\\"001\\\" - not required\\r\\\"002\\\" - calculate surrender charge premium\\r003 equals target premium\\r004 equals minimum premium\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007103 - face amount/monthly benefit or units printing on policy pages code. Valid values are:\\r\\\"001\\\" - not required or don't print\\r\\\"002\\\" - print face amount/monthly benefit on policy pages\\r\\\"003\\\" - print units on policy pages\\r\\\"004\\\" - print ultimate face amount/monthly benefit on policy pages from face amount field\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007104 - annual premium/cost of benefit printing on policy pages code. Valid values are:\\r\\\"001\\\" - not required or don't print\\r\\\"002\\\" - print annual premium on policy pages\\r\\\"003\\\" - print cost of benefit as a percentage = annual premium of prior coverage/annual premium of this coverage rounded (.0758 would be printed as 7.6%)\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007105 - special wording for percent of monthly deduction on policy pages code. Valid values are:\\r\\\"001\\\" - not required\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\\"002\\\" - print message *percent of monthly deduction - see monthly deduction rider for explanation. on policy pages (printed in connection with occurrence 104 code \\\"003\\\")\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007106 - critical/change date wording on conversion to policy system code. Note that these values are actually used in NBS299 which stores the actual message and applies it to the CG. Valid values are:\\r001 - not required\\r002 - use message APPLY PREMIUM CHARGE\\r003 - use message FUND REINVESTMENT\\r004 - use message ROP BENEFIT PAYOUT\\r005 - use message MAKE RSA, CHG PLAN OPT AND BLK\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007107 - set critical/change date based on the following method code. Valid values are:\\r001 - not required\\r002 - advance issue date by number of years specified in occurrence 108\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007108 - value for calculating critical/change date. This field contains any numeric value when used. Initialization of one is acceptable.\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007109 GI AMT\\rThis field contains a three-digit code used to determine if a check should be performed to determine if GI (guaranteed issue) limits have been exceeded before validating the height/weight limits. Valid values are:\\r001 Not required\\r002 - Required\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007109110 - Currently not in use. Must be 001.\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007111 - cost index indicator code. Valid values are:\\r\\\"001\\\" - not required\\r\\\"002\\\" - calculate cost index\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007112 - schedule of total premium calculation on policy pages code. Used for annual, semi-annual and quarterly premiums only. Valid values are:\\r\\\"001\\\" - not required\\r\\\"002\\\" - calculate using policy billing method.\\r\\\"003\\\" - calculate using \\\"01\\\" billing method as a substitute method.\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007113115 - Currently not in use. Must be 001.\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007116 - Minimum premium payment period amount.\""
},
{
"id": "4e5f1f31-8f9e-43bd-8233-570352e74771",
"text": "\"System Reference Manual \\n \\n \\n \\n\\u00a9 2023 NTT DATA, Inc. | Proprietary and Confidential | July 5, 2024 1002 \\n \\n \\nField Descriptions \\n1. POLICY STATUS (D) \\n One-digit code for status of policy. Refer to Policy Status Table in the General \\nInformation Manual. \\n \\n2. POLICY ID \\n Eight-digit policy identification number. \\n \\n3. PAYMENT STREAM ID \\n Five-digit payment stream identification number. \\n \\n4. OF (D) \\n Identifies which payment stream on the policy. \\n \\n5. ON POLICY (D) \\n The number of payment streams on the policy. \\n \\n6. ADJUSTED PYMT AMT \\nThis field displays the new starting payment amount to be used for the repetitive \\npayment amount. The amount is used for any payment date equal to or after the ADJ \\nPYMT EFF DATE. It is NOT used for any payment date prior to the ADJ PYMT EFF \\nDATE. This field is used most often when there is a calculation or rounding difference for \\nthose payments that have a COLA. \\n \\n7. RATE TBL STRT DATE \\nThis field displays the date to begin using the COLA Rate Table in calculations in the \\nformat MM/DD/YYYY. If this field is blank, it indicates that a COLA Rate Table should \\nnot be used for calculations. \\n \\n8. ADJ PYMT EFF DATE \\nThis field indicates the effective date of the amount in the ADJUSTED PYMT AMT field. \\nWhen the COLA Rate Table is utilized this date has to be equal to the RATE TBL STRT \\nDATE. Exceptions to this may be loaded with company conversion; however, screen \\nedits will require the dates to be equal if they are updated online. \\n \\n9. COLA PURCHASE DATE \\nThis field indicates the date the COLA benefit was purchased in the format \\nMM/DD/YYYY.\"",
"file_name": "System Reference-LifeSys System Reference.pdf",
"page_label": "1002"
},
{
"id": "54560ceb-769e-4e69-a07a-58fd7f41fac3",
"text": "\"System Reference Manual \\n \\n \\n \\n\\u00a9 2022 NTT DATA, Inc. | Proprietary and Confidential | April 20 2020 981 \\n \\n \\nField Descriptions \\n1. POLICY STATUS (D) \\n One-digit code for status of policy. Refer to Policy Status Table in the General \\nInformation Manual. \\n \\n2. POLICY ID \\n Eight-digit policy identification number. \\n \\n3. PAYMENT STREAM ID \\n Five-digit payment stream identification number. \\n \\n4. OF (D) \\n Identifies which payment stream on the policy. \\n \\n5. ON POLICY (D) \\n The number of payment streams on the policy. \\n \\n6. ADJUSTED PYMT AMT \\nThis field displays the new starting payment amount to be used for the repetitive \\npayment amount. The amount is used for any payment date equal to or after the ADJ \\nPYMT EFF DATE. It is NOT used for any payment date prior to the ADJ PYMT EFF \\nDATE. This field is used most often when there is a calculation or rounding difference for \\nthose payments that have a COLA. \\n \\n7. RATE TBL STRT DATE \\nThis field displays the date to begin using the COLA Rate Table in calculations in the \\nformat MM/DD/YYYY. If this field is blank, it indicates that a COLA Rate Table should \\nnot be used for calculations. \\n \\n8. ADJ PYMT EFF DATE \\nThis field indicates the effective date of the amount in the ADJUSTED PYMT AMT field. \\nWhen the COLA Rate Table is utilized this date has to be equal to the RATE TBL STRT \\nDATE. Exceptions to this may be loaded with company conversion; however, screen \\nedits will require the dates to be equal if they are updated online. \\n \\n9. COLA PURCHASE DATE \\nThis field indicates the date the COLA benefit was purchased in the format \\nMM/DD/YYYY.\"",
"file_name": "System Reference-Repetitive Pay.pdf",
"page_label": "16"
},
{
"id": "3c60f2df-b250-4103-bb02-7a425d9ac05a",
"text": "\"System Reference Manual \\n \\n \\n \\n\\u00a9 2023 NTT DATA, Inc. | Proprietary and Confidential | July 5, 2024 500 \\n \\n \\nScreen display is variable based on the values that are applicable. \\nThe following values are dynamically displayed when applicable: \\nWTH PENALTY FREE AMT Surrender Penalty Free Amount \\nANNUITIZATION AMT Annuitization Value \\nBENEFICIARY RDR BNFT Rider Death Benefit Value \\nTOTAL DEATH BEN Total Death Benefit Value \\nWTH FUND FREE AMT Fund Free Amount Used in FLA calculations \\nLUMP SUM DEATH BENEFIT Lump Sum Death Benefit Value \\nANNUITIZATED DTH BNFT Annuitization Death Benefit Value \\nALT ANNZ DEATH BENEFIT Greater of (Alternative Annuitization Death \\nBenefit Value or base annuitization death \\nbenefit) \\n \\n18. WTH PENALTY FREE AMT \\nThe PENALTY FREE AMT field will display the Equity Index Annuity (EIA) fund value \\namount that may be surrendered or withdrawn penalty free. \\n \\n19. ANNUITIZATION AMT \\nThe annuitization amount is based on the number of months and the method obtained \\nfrom the Annuitization Controls (ANN) Ruleset. When the Annuitization Controls (ANN) \\nRuleset WARN field is \\u201cY\\u201d, this field will not display. \\n \\n20. BENEFICIARY RDR BNFT \\nThis field will only display if the policy has a beneficiary rider. \\n \\n21. TOTAL DEATH BEN \\nThis field displays the total death benefit for the policy. \\n \\n22. WTH FUND FREE AMT \\nThis field displays the fund free amount used in fund level adjustment calculations. \\n \\n23. LUMP SUM DEATH BENEFIT \\nIf the Death Claim Controls (DTH) Ruleset LUMP SUM settings are setup, this field will \\ncontain the lump sum value that would be paid if a lump sum item code is processed. \\n \\n24. ANNUITIZATED DTH BNFT \\nIf the Death Claim Controls (DTH) Ruleset SETTLEMENT settings are setup, this field \\nwill contain the annuitization value that would be paid if an annuitization item code is \\nprocessed.\"",
"file_name": "System Reference-LifeSys System Reference.pdf",
"page_label": "500"
},
{
"id": "28c7f1d0-0828-44bb-9b43-f4e988f96e28",
"text": "\"Valid values are:\\r\\\"A\\\" - specified by age\\r\\\"M\\\" - specified in months\\u0007X.\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007 57O.\\u0007ACC-BEN-N1\\rBenefit period for accident occurrence one.\\u0007S9(3).\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007 57P.\\u0007SICK-BENRULE-N1\\rSickness benefit period rule occurrence one. Valid values are:\\r\\\"A\\\" - specified by age\\r\\\"M\\\" - specified in months\\u0007X.\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007 57Q.\\u0007SICK-BEN-N1\\rBenefit period for sickness occurrence one.\\u0007S9(3).\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007 57R.\\u0007SICK-ELIM-N1\\rElimination period for sickness occurrence one.\\u0007S9(3).\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007 57S.\\u0007ACC-ELIM-N1\\rElimnation period for accident in days.\\u0007S9(3).\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007 57T.\\u0007MIN-PREM-N1\\rFirst premium due when different than first mode premium, occurrence one.\\u0007S9(7)V99 C3.\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007 57U.\\u0007MOD-PREM-N1\\rModal coverage premium occurrence one.\\u0007S9(7)V99 C3.\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007 57V1.\\u0007PREMS-N1\\rThe following is a table of four occurrences of fields \\\"PREM-N1\\\" through \\\"PREMTYPE-N1\\\", for X(7) per occurrence. These fields occur four times within the larger table of ten occurrences.\\u0007X(28).\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007 57V2.\\u0007PREM-N1\\rPremium amount occurrence one.\\u0007S9(7)V99 C3.\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u000757V3.\\u0007PREMTYPE-N1\\rPremium type occurrence one. Valid values are:\\r\\\"00\\\" - not used\\u000799.\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\\"01\\\" - annual coverage premium. Rate by flat amount per volume\\r\\\"02\\\" - first year additional deposit\\r\\\"03\\\" - load percentage rate\\r\\\"04\\\" - add-on rate\\r\\\"05\\\" - expense charge rate\\r\\\"06\\\" - premium rate by percentage of total premium of all insured's coverage\\r\\\"07\\\" - policy fee\\r\\\"08\\\" - pass requested payment amount for external calculation\\r\\\"09\\\" - pass initial lump sum for external calculation\\r\\\"10\\\" - pass requested payment amount and initial lump sum for external calculation\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\\"11\\\" - premium rate by percentage of total premium of an insureds' coverages\\r\\\"12\\\" - first year minimum premium. Calculated as ((COI + surrender) / (1 - Front End Load)) - COI - policy fee\\r\\\"13\\\" - premium rate by flat amount per volume of coverage, like method 01 except not included in substandard premium calculation\\r\\\"14\\\" - mode policy fee\\r\\\"15\\\" - first minimum premium due. The greater of (annual requested payment + initial lump sum requested / minimum premium payment period) and total annual COI premium, modalized by bill code\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\\"16\\\" - premium rate by percentage of total target premium of all insureds' coverages\\r\\\"90\\\" - minimum premium\\r\\\"91\\\" - maximum premium\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007 57V4.\\u0007Entry occurrences 2-4 of fields \\\"PREM-N1\\\" above, for X(7) per occurrence. These occurrences are within the larger table of ten occurrences.\\u0007X(21).\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007 57W.\\u0007COVERAGE-SUBSTAN-N1\\rThe following is a table of two occurrences of fields \\\"SS-TYPE-N1\\\" through \\\"SS-PREM-N1\\\", and the reserved space after, for X(25) per occurrence. These fields occur two times within the larger table of ten occurrences.\\u0007X(50).\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u000757W1.\\u0007SS-TYPE-N1\\rUnderwriting substandard rating decision occurrence one.\""
},
{
"id": "30245a23-eba9-4e7a-8d55-cfb7e8cdd073",
"text": "\"System Reference Manual \\n \\n \\n \\n\\u00a9 2023 NTT DATA, Inc. | Proprietary and Confidential | July 5, 2024 1604 \\n \\n \\n4. SUB TYPE \\n Three-digit SUB TYPE of Plan Record. Must be \\u201c302\\u201d. \\n \\n5. EFFECTIVE DATE \\n Date Plan Data is in effect. Must be in YYYYMMDD format. This field cannot be blank \\nnot allowed. \\n \\nGUARANTEED COI RATING (4 occurrences) \\n6. METHOD \\n Two position code describing the type of premium entry or the basis of the premium \\nentry. The METHOD is used to access the Premium Rate Factor File (available through \\nScreen 94). Input is required (in all four occurrences), valid values include: \\n 00 not used \\n 01 premium rate by flat amount per volume of coverage (included in \\nsubstandard premium calculations) \\n 02 first year additional deposit \\n 03 flat annual premium amount \\n 05 expense charge \\n 06 current and guaranteed COI by percentage of total target premium of all \\ninsureds\\u2019 coverages (included in substandard calculations) \\n 07 policy fee plus account value load defined on COI Ruleset \\n 08 pass requested payment amount for external calculation \\n 09 pass initial lump sum for external calculation \\n 10 pass requested payment amount and initial lump sum for external \\ncalculation \\n 11 premium rate by percentage of total premium of an insured\\u2019s coverages \\n(included in substandard calculations) \\n 13 premium rate by flat amount per volume of coverage (not included in \\nsubstandard premium calculation for substandard type 30) \\n 15 flat amount additional load (added to the fund at time of premium \\npayment and deducted at time of COI deduction) \\n20 premium rate by percentage of total COI of contract benefit amount = total \\nunits of contract, for use of SBCs only. SBC 20s benefit is total COI units \\non contract. \\n21 premium rate by percentage of total COI of contract benefit amount = total \\nunits of contract, for use of SBCs only. SBC 20s benefit is total COI on \\ncontract. \\n 50 premium rate by flat amount per volume of coverage (percent \\nsubstandard is a percent of first year COI rate) \\n 90 minimum premium\"",
"file_name": "System Reference-LifeSys System Reference.pdf",
"page_label": "1604"
},
{
"id": "6f8c073a-3320-4a69-aa1c-c3ad3902d0b7",
"text": "\"System Reference Manual \\n \\n \\n \\n\\u00a9 2023 NTT DATA, Inc. | Proprietary and Confidential | July 5, 2024 1604 \\n \\n \\n4. SUB TYPE \\n Three-digit SUB TYPE of Plan Record. Must be \\u201c302\\u201d. \\n \\n5. EFFECTIVE DATE \\n Date Plan Data is in effect. Must be in YYYYMMDD format. This field cannot be blank \\nnot allowed. \\n \\nGUARANTEED COI RATING (4 occurrences) \\n6. METHOD \\n Two position code describing the type of premium entry or the basis of the premium \\nentry. The METHOD is used to access the Premium Rate Factor File (available through \\nScreen 94). Input is required (in all four occurrences), valid values include: \\n 00 not used \\n 01 premium rate by flat amount per volume of coverage (included in \\nsubstandard premium calculations) \\n 02 first year additional deposit \\n 03 flat annual premium amount \\n 05 expense charge \\n 06 current and guaranteed COI by percentage of total target premium of all \\ninsureds\\u2019 coverages (included in substandard calculations) \\n 07 policy fee plus account value load defined on COI Ruleset \\n 08 pass requested payment amount for external calculation \\n 09 pass initial lump sum for external calculation \\n 10 pass requested payment amount and initial lump sum for external \\ncalculation \\n 11 premium rate by percentage of total premium of an insured\\u2019s coverages \\n(included in substandard calculations) \\n 13 premium rate by flat amount per volume of coverage (not included in \\nsubstandard premium calculation for substandard type 30) \\n 15 flat amount additional load (added to the fund at time of premium \\npayment and deducted at time of COI deduction) \\n20 premium rate by percentage of total COI of contract benefit amount = total \\nunits of contract, for use of SBCs only. SBC 20s benefit is total COI units \\non contract. \\n21 premium rate by percentage of total COI of contract benefit amount = total \\nunits of contract, for use of SBCs only. SBC 20s benefit is total COI on \\ncontract. \\n 50 premium rate by flat amount per volume of coverage (percent \\nsubstandard is a percent of first year COI rate) \\n 90 minimum premium\"",
"file_name": "System Reference-General Maintenance.pdf",
"page_label": "436"
},
{
"id": "de4e15be-0e30-468d-b732-6f30fc413b83",
"text": "\"System Reference Manual \\n \\n \\n \\n\\u00a9 2023 NTT DATA, Inc. | Proprietary and Confidential | July 5, 2024 544 \\n \\n \\n17. ENHANCED MAX BENEFIT \\nThis field contains the calculated enhanced income threshold amount. If the valuation \\ndate is prior to the first occurrence of payout start date, the field will be blank. This field \\nwill only display when the policy has an EIWB rider and the ENHANCED MAX \\nPAYMENT CALCULATION METHOD control is \\u201c02\\u201d. \\n \\n18. ENHANCED BNFT REMAIN \\nThis field displays the enhanced income threshold amount remaining as of the valuation \\ndate. If the valuation date is prior to the first occurrence of the enhanced payout start \\ndate, this field will be blank. This field will only display when a policy has an EIWB rider \\nand ENHANCED MAX PAYMENT CALCULATION METHOD control is \\u201c02\\u201d. \\n \\n19. PAYOUT AMOUNT \\nThis value is the Guaranteed Minimum Withdrawal Benefit (MWB) rider total Guaranteed \\nWithdrawal Payment (GWP) amount. This value is based on the income base at the \\nbeginning of the policy year times the payout factor from the GWP Ruleset. For a policy \\nwith an EIWB rider and the valuation date is within a start/end payment date range, this \\nfield will display annual calculated enhanced income amount. \\n \\n20. ESTIMATED PAYOUT \\nThis value is the Guaranteed Minimum Withdrawal Benefit (GMWB) rider total \\nGuaranteed Withdrawal Payment (GWP) amount. This value is based on the income \\nbase at the beginning of the policy year times the payout factor from the GWP Ruleset. \\n \\n21. AMOUNT PAID \\nThis value is the total Guaranteed Withdrawal Payment (GWP) that has been paid since \\nthe beginning of the current policy year. All gross withdrawals made during the policy \\nyear are included in this amount. \\n \\n22. ESTIMATED ENHANCED \\nThis value is the estimated annual enhanced income amount. When the valuation date is \\nafter the first occurrence of the start date, this field will be suppressed. \\n \\n23. PAYOUT REMAINING \\nThis value is the remaining Guaranteed Withdrawal Payment (GWP) for the current \\npolicy year. This is based on the TOTAL GMP minus the GWP PAID. If this value is \\ncalculated as a negative number, this field will display \\u201c0.00\\u201d. \\n \\n Revised Q214\"",
"file_name": "System Reference-LifeSys System Reference.pdf",
"page_label": "544"
},
{
"id": "6d3a689f-f68c-483c-b3d4-c090310f456d",
"text": "\"System Reference Manual \\n \\n \\n \\n\\u00a9 2023 NTT DATA, Inc. | Proprietary and Confidential | July 5, 2024 1616 \\n \\n \\n5. EFFECTIVE DATE \\nThis field indicates the date plan data is in effect. This date must be in YYYYMMDD \\nformat. This field cannot be blank. \\n \\nNO LAPSE PREMIUM RATING \\u2013 TIER 1 \\n6. METHOD \\nThis field contains a two position code describing the type of premium entry or the basis \\nof the premium entry. The METHOD is used to access the Premium Rate Factor File \\nwhich is available through Rate Maintenance (94) screen. Input is required (in all four \\noccurrences), valid values include: \\n 00 not used \\n 01 premium rate by flat amount per volume of coverage (included in \\nsubstandard premium calculations) \\n 02 first year additional deposit \\n 03 flat annual premium amount \\n 05 expense charge \\n 06 current and guaranteed COI by percentage of total target premium of all \\ninsureds\\u2019 coverages (included in substandard calculations) \\n 07 policy fee plus account value load defined on COI Ruleset \\n 08 pass requested payment amount for external calculation \\n 09 pass initial lump sum for external calculation \\n 10 pass requested payment amount and initial lump sum for external \\ncalculation \\n 11 premium rate by percentage of total premium of an insureds\\u2019 coverages \\n(included in substandard calculations) \\n 13 premium rate by flat amount per volume of coverage (not included in \\nsubstandard premium calculation for substandard type 30). \\n 15 flat amount additional load (added to the fund at time of premium \\npayment and deducted at time of COI deduction) \\n 20 premium rate by percentage of total COI of contract benefit amount = total \\nunits of contract, for use of SBC\\u2019s only \\n 50 premium rate by flat amount per volume of coverage (percent \\nsubstandard is a percent of first year COI rate) \\n 90 minimum premium \\n 91 maximum premium\"",
"file_name": "System Reference-General Maintenance.pdf",
"page_label": "448"
},
{
"id": "5449ed96-ba96-40c0-baf7-a219108d1032",
"text": "\"System Reference Manual \\n \\n \\n \\n\\u00a9 2022 NTT DATA, Inc. | Proprietary and Confidential | April 20 2020 538 \\n \\n \\n17. ENHANCED MAX BENEFIT \\nThis field contains the calculated enhanced income threshold amount. If the valuation \\ndate is prior to the first occurrence of payout start date, the field will be blank. This field \\nwill only display when the policy has an EIWB rider and the ENHANCED MAX \\nPAYMENT CALCULATION METHOD control is \\u201c02\\u201d. \\n \\n18. ENHANCED BNFT REMAIN \\nThis field displays the enhanced income threshold amount remaining as of the valuation \\ndate. If the valuation date is prior to the first occurrence of the enhanced payout start \\ndate, this field will be blank. This field will only display when a policy has an EIWB rider \\nand ENHANCED MAX PAYMENT CALCULATION METHOD control is \\u201c02\\u201d. \\n \\n19. PAYOUT AMOUNT \\nThis value is the Guaranteed Minimum Withdrawal Benefit (MWB) rider total Guaranteed \\nWithdrawal Payment (GWP) amount. This value is based on the income base at the \\nbeginning of the policy year times the payout factor from the GWP Ruleset. For a policy \\nwith an EIWB rider and the valuation date is within a start/end payment date range, this \\nfield will display annual calculated enhanced income amount. \\n \\n20. ESTIMATED PAYOUT \\nThis value is the Guaranteed Minimum Withdrawal Benefit (GMWB) rider total \\nGuaranteed Withdrawal Payment (GWP) amount. This value is based on the income \\nbase at the beginning of the policy year times the payout factor from the GWP Ruleset. \\n \\n21. AMOUNT PAID \\nThis value is the total Guaranteed Withdrawal Payment (GWP) that has been paid since \\nthe beginning of the current policy year. All gross withdrawals made during the policy \\nyear are included in this amount. \\n \\n22. ESTIMATED ENHANCED \\nThis value is the estimated annual enhanced income amount. When the valuation date is \\nafter the first occurrence of the start date, this field will be suppressed. \\n \\n23. PAYOUT REMAINING \\nThis value is the remaining Guaranteed Withdrawal Payment (GWP) for the current \\npolicy year. This is based on the TOTAL GMP minus the GWP PAID. If this value is \\ncalculated as a negative number, this field will display \\u201c0.00\\u201d. \\n \\n Revised Q214\"",
"file_name": "System Reference-Policy Maintenance.pdf",
"page_label": "343"
},
{
"id": "7ca0620c-a9b9-4e6f-b0f7-5006337ca8e5",
"text": "\"System Reference Manual \\n \\n \\n \\n\\u00a9 2023 NTT DATA, Inc. | Proprietary and Confidential | July 5, 2024 1622 \\n \\n \\n5. EFFECTIVE DATE \\nDate plan data is in effect. Must be in YYYYMMDD format. Spaces not allowed. \\n \\nNO LAPSE PREMIUM RATING \\u2013 TIER 3 \\n6. METHOD \\nThis field contains a two position code describing the type of premium entry or the basis \\nof the premium entry. The METHOD is used to access the Premium Rate Factor File \\nwhich is available through Rate Maintenance (94) screen. Input is required (in all four \\noccurrences), valid values include: \\n 00 not used \\n 01 premium rate by flat amount per volume of coverage (included in \\nsubstandard premium calculations) \\n 02 first year additional deposit \\n 03 flat annual premium amount \\n 05 expense charge \\n 06 current and guaranteed COI by percentage of total target premium of all \\ninsureds\\u2019 coverages (included in substandard calculations) \\n 07 policy fee plus account value load defined on COI Ruleset \\n 08 pass requested payment amount for external calculation \\n 09 pass initial lump sum for external calculation \\n 10 pass requested payment amount and initial lump sum for external \\ncalculation \\n 11 premium rate by percentage of total premium of an insureds\\u2019 coverages \\n(included in substandard calculations) \\n 13 premium rate by flat amount per volume of coverage (not included in \\nsubstandard premium calculation for substandard type 30). \\n 15 flat amount additional load (added to the fund at time of premium \\npayment and deducted at time of COI deduction) \\n 20 premium rate by percentage of total COI of contract benefit amount = total \\nunits of contract, for use of SBC\\u2019s only \\n 50 premium rate by flat amount per volume of coverage (percent \\nsubstandard is a percent of first year COI rate) \\n 90 minimum premium \\n 91 maximum premium\"",
"file_name": "System Reference-LifeSys System Reference.pdf",
"page_label": "1622"
},
{
"id": "97eee4ef-0d38-47fb-9f51-c663989442a9",
"text": "\"System Reference Manual \\n \\n \\n \\n\\u00a9 2023 NTT DATA, Inc. | Proprietary and Confidential | July 5, 2024 1622 \\n \\n \\n5. EFFECTIVE DATE \\nDate plan data is in effect. Must be in YYYYMMDD format. Spaces not allowed. \\n \\nNO LAPSE PREMIUM RATING \\u2013 TIER 3 \\n6. METHOD \\nThis field contains a two position code describing the type of premium entry or the basis \\nof the premium entry. The METHOD is used to access the Premium Rate Factor File \\nwhich is available through Rate Maintenance (94) screen. Input is required (in all four \\noccurrences), valid values include: \\n 00 not used \\n 01 premium rate by flat amount per volume of coverage (included in \\nsubstandard premium calculations) \\n 02 first year additional deposit \\n 03 flat annual premium amount \\n 05 expense charge \\n 06 current and guaranteed COI by percentage of total target premium of all \\ninsureds\\u2019 coverages (included in substandard calculations) \\n 07 policy fee plus account value load defined on COI Ruleset \\n 08 pass requested payment amount for external calculation \\n 09 pass initial lump sum for external calculation \\n 10 pass requested payment amount and initial lump sum for external \\ncalculation \\n 11 premium rate by percentage of total premium of an insureds\\u2019 coverages \\n(included in substandard calculations) \\n 13 premium rate by flat amount per volume of coverage (not included in \\nsubstandard premium calculation for substandard type 30). \\n 15 flat amount additional load (added to the fund at time of premium \\npayment and deducted at time of COI deduction) \\n 20 premium rate by percentage of total COI of contract benefit amount = total \\nunits of contract, for use of SBC\\u2019s only \\n 50 premium rate by flat amount per volume of coverage (percent \\nsubstandard is a percent of first year COI rate) \\n 90 minimum premium \\n 91 maximum premium\"",
"file_name": "System Reference-General Maintenance.pdf",
"page_label": "454"
},
{
"id": "043fb444-14b7-4705-aea7-133b8001ecbf",
"text": "\"System Reference Manual \\n \\n \\n \\n\\u00a9 2023 NTT DATA, Inc. | Proprietary and Confidential | July 5, 2024 1618 \\n \\n \\n14. EFFDATE \\n See EFFDATE codes for Plan File Maintenance (95) screen, 100-199/300 record, 3rd \\npage. \\n \\n15. STACKBY \\n See STACKBY codes for Plan File Maintenance (95) screen, 100-199/300 record, 3rd \\npage. \\n \\nNO LAPSE PREMIUM RATING \\u2013 TIER 2 \\n16. METHOD \\nThis field contains a two position code describing the type of premium entry or the basis \\nof the premium entry. The METHOD is used to access the Premium Rate Factor File \\nwhich is available through Rate Maintenance (94) screen. Input is required (in all four \\noccurrences), valid values include: \\n 00 not used \\n 01 premium rate by flat amount per volume of coverage (included in \\nsubstandard premium calculations) \\n 02 first year additional deposit \\n 03 flat annual premium amount \\n 05 expense charge \\n 06 current and guaranteed COI by percentage of total target premium of all \\ninsureds\\u2019 coverages (included in substandard calculations) \\n 07 policy fee plus account value load defined on COI Ruleset \\n 08 pass requested payment amount for external calculation \\n 09 pass initial lump sum for external calculation \\n 10 pass requested payment amount and initial lump sum for external \\ncalculation \\n 11 premium rate by percentage of total premium of an insureds\\u2019 coverages \\n(included in substandard calculations) \\n 13 premium rate by flat amount per volume of coverage (not included in \\nsubstandard premium calculation for substandard type \\u201c30\\u201d). \\n 15 flat amount additional load (added to the fund at time of premium \\npayment and deducted at time of COI deduction) \\n 20 premium rate by percentage of total COI of contract benefit amount = total \\nunits of contract, for use of SBC\\u2019s only \\n 50 premium rate by flat amount per volume of coverage (percent \\nsubstandard is a percent of first year COI rate) \\n 90 minimum premium \\n 91 maximum premium\"",
"file_name": "System Reference-LifeSys System Reference.pdf",
"page_label": "1618"
},
{
"id": "8513ca38-9f93-49da-be9c-d5ccf53565cb",
"text": "\"System Reference Manual \\n \\n \\n \\n\\u00a9 2023 NTT DATA, Inc. | Proprietary and Confidential | July 5, 2024 1618 \\n \\n \\n14. EFFDATE \\n See EFFDATE codes for Plan File Maintenance (95) screen, 100-199/300 record, 3rd \\npage. \\n \\n15. STACKBY \\n See STACKBY codes for Plan File Maintenance (95) screen, 100-199/300 record, 3rd \\npage. \\n \\nNO LAPSE PREMIUM RATING \\u2013 TIER 2 \\n16. METHOD \\nThis field contains a two position code describing the type of premium entry or the basis \\nof the premium entry. The METHOD is used to access the Premium Rate Factor File \\nwhich is available through Rate Maintenance (94) screen. Input is required (in all four \\noccurrences), valid values include: \\n 00 not used \\n 01 premium rate by flat amount per volume of coverage (included in \\nsubstandard premium calculations) \\n 02 first year additional deposit \\n 03 flat annual premium amount \\n 05 expense charge \\n 06 current and guaranteed COI by percentage of total target premium of all \\ninsureds\\u2019 coverages (included in substandard calculations) \\n 07 policy fee plus account value load defined on COI Ruleset \\n 08 pass requested payment amount for external calculation \\n 09 pass initial lump sum for external calculation \\n 10 pass requested payment amount and initial lump sum for external \\ncalculation \\n 11 premium rate by percentage of total premium of an insureds\\u2019 coverages \\n(included in substandard calculations) \\n 13 premium rate by flat amount per volume of coverage (not included in \\nsubstandard premium calculation for substandard type \\u201c30\\u201d). \\n 15 flat amount additional load (added to the fund at time of premium \\npayment and deducted at time of COI deduction) \\n 20 premium rate by percentage of total COI of contract benefit amount = total \\nunits of contract, for use of SBC\\u2019s only \\n 50 premium rate by flat amount per volume of coverage (percent \\nsubstandard is a percent of first year COI rate) \\n 90 minimum premium \\n 91 maximum premium\"",
"file_name": "System Reference-General Maintenance.pdf",
"page_label": "450"
},
{
"id": "9513866b-f125-4b35-9e12-f1c9ab41a43f",
"text": "\"System Reference Manual \\n \\n \\n \\n\\u00a9 2023 NTT DATA, Inc. | Proprietary and Confidential | July 5, 2024 1558 \\n \\n \\n4. SUB TYPE \\n Subtype of plan record. Do not enter on this screen. \\n \\n5. EFFECTIVE DATE \\n Date plan data is in effect. Do not enter on this screen. \\n \\nCURRENT PREMIUM RATING ENTRIES \\n6. METHOD \\n This field contains a two position code describing the type of premium entry or the basis \\nof the premium entry. The METHOD is used to access the Premium Rate Factor File \\n(available through 94 screen). Input is required (in all four occurrences), valid values \\ninclude: \\n 00 not used \\n 01 premium rate by flat amount per volume of coverage (included in \\nsubstandard premium calculations) \\n 02 first year additional deposit \\n 03 flat annual premium amount \\n 05 expense charge \\n 06 waiver of target - COI rate by percentage of total target premium of all \\ninsureds coverages (allowed on current and guaranteed COI tables only) \\n(included in substandard calculations) \\n 07 policy fee plus account value load defined on COI Ruleset \\n 08 pass requested payment amount for external calculation \\n 09 pass initial lump sum for external calculation \\n 10 pass requested payment amount and initial lump sum for external \\ncalculation \\n 11 premium rate by percentage of total premium of an insureds\\u2019 coverages \\n(included in substandard calculations) \\n 13 premium rate by flat amount per volume of coverage (not included in \\nsubstandard premium calculation for substandard type 30) \\n 14 mode policy fee \\n 15 flat amount additional load (added to the fund at time of premium \\npayment and deducted at time of COI deduction) \\n 16 minimum and target premium rate by percentage of total target premium \\nof all insured\\u2019s coverages, excluding waiver \\n 18 used only for return of premium defined as an additional benefit. The \\npremium rate (defined as a dollar amount) x the total of the premium for \\nthe insured\\u2019s basic coverage + all other coverages defined as additional \\nbenefits (excludes any other SBC\\u2019s and charge codes) \\n 50 premium rate by flat amount per volume of coverage (percent \\nsubstandard is a percent of first year COI rate)\"",
"file_name": "System Reference-General Maintenance.pdf",
"page_label": "390"
},
{
"id": "f30abd38-6d95-4bc3-be27-a336391cd640",
"text": "\"System Reference Manual \\n \\n \\n \\n\\u00a9 2023 NTT DATA, Inc. | Proprietary and Confidential | July 5, 2024 1558 \\n \\n \\n4. SUB TYPE \\n Subtype of plan record. Do not enter on this screen. \\n \\n5. EFFECTIVE DATE \\n Date plan data is in effect. Do not enter on this screen. \\n \\nCURRENT PREMIUM RATING ENTRIES \\n6. METHOD \\n This field contains a two position code describing the type of premium entry or the basis \\nof the premium entry. The METHOD is used to access the Premium Rate Factor File \\n(available through 94 screen). Input is required (in all four occurrences), valid values \\ninclude: \\n 00 not used \\n 01 premium rate by flat amount per volume of coverage (included in \\nsubstandard premium calculations) \\n 02 first year additional deposit \\n 03 flat annual premium amount \\n 05 expense charge \\n 06 waiver of target - COI rate by percentage of total target premium of all \\ninsureds coverages (allowed on current and guaranteed COI tables only) \\n(included in substandard calculations) \\n 07 policy fee plus account value load defined on COI Ruleset \\n 08 pass requested payment amount for external calculation \\n 09 pass initial lump sum for external calculation \\n 10 pass requested payment amount and initial lump sum for external \\ncalculation \\n 11 premium rate by percentage of total premium of an insureds\\u2019 coverages \\n(included in substandard calculations) \\n 13 premium rate by flat amount per volume of coverage (not included in \\nsubstandard premium calculation for substandard type 30) \\n 14 mode policy fee \\n 15 flat amount additional load (added to the fund at time of premium \\npayment and deducted at time of COI deduction) \\n 16 minimum and target premium rate by percentage of total target premium \\nof all insured\\u2019s coverages, excluding waiver \\n 18 used only for return of premium defined as an additional benefit. The \\npremium rate (defined as a dollar amount) x the total of the premium for \\nthe insured\\u2019s basic coverage + all other coverages defined as additional \\nbenefits (excludes any other SBC\\u2019s and charge codes) \\n 50 premium rate by flat amount per volume of coverage (percent \\nsubstandard is a percent of first year COI rate)\"",
"file_name": "System Reference-LifeSys System Reference.pdf",
"page_label": "1558"
},
{
"id": "0bfdf262-b140-4260-8f5b-cfba2d073c9a",
"text": "\"System Reference Manual \\n \\n \\n \\n\\u00a9 2023 NTT DATA, Inc. | Proprietary and Confidential | July 5, 2024 1613 \\n \\n \\nSHADOW ACCT COI RATING \\n6. METHOD \\nTwo position code describing the type of premium entry or the basis of the premium \\nentry. The METHOD is used to access the Premium Rate Factor File which is available \\nthrough Rate Maintenance (94) screen. Input is required (in all four occurrences), valid \\nvalues include: \\n 00 not used \\n 01 premium rate by flat amount per volume of coverage (included in \\nsubstandard premium calculations) \\n 02 first year additional deposit \\n 03 flat annual premium amount \\n 05 expense charge \\n 06 current and guaranteed COI by percentage of total target premium of all \\ninsureds\\u2019 coverages (included in substandard calculations) \\n 07 policy fee plus account value load defined on COI Ruleset \\n 08 pass requested payment amount for external calculation \\n 09 pass initial lump sum for external calculation \\n 10 pass requested payment amount and initial lump sum for external \\ncalculation \\n 11 premium rate by percentage of total premium of an insureds\\u2019 coverages \\n(included in substandard calculations) \\n 13 premium rate by flat amount per volume of coverage (not included in \\nsubstandard premium calculation for substandard type 30). \\n 15 flat amount additional load (added to the fund at time of premium \\npayment and deducted at time of COI deduction) \\n 20 premium rate by percentage of total COI of contract benefit amount = total \\nunits of contract, for use of SBC\\u2019s only \\n 50 premium rate by flat amount per volume of coverage (percent \\nsubstandard is a percent of first year COI rate) \\n 90 minimum premium \\n 91 maximum premium \\n \\n7. RATEKEY \\nSix position field identifying the set of Rates to access during the calculation of \\npremiums for this plan. The RATEKEY field may be used to allow several plans to \\nreference the same Rate Record as well as allowing a specific set of Rates to be \\nestablished for a specific plan. Valid entry into the RATEKEY field includes: \\nblank when not applicable or \\nany other value (up to six positions) to access a specific set of \\nrates\"",
"file_name": "System Reference-General Maintenance.pdf",
"page_label": "445"
},
{
"id": "38d5a1d9-5b9d-44c8-b8c6-f55d31909423",
"text": "\"System Reference Manual \\n \\n \\n \\n\\u00a9 2023 NTT DATA, Inc. | Proprietary and Confidential | July 5, 2024 1613 \\n \\n \\nSHADOW ACCT COI RATING \\n6. METHOD \\nTwo position code describing the type of premium entry or the basis of the premium \\nentry. The METHOD is used to access the Premium Rate Factor File which is available \\nthrough Rate Maintenance (94) screen. Input is required (in all four occurrences), valid \\nvalues include: \\n 00 not used \\n 01 premium rate by flat amount per volume of coverage (included in \\nsubstandard premium calculations) \\n 02 first year additional deposit \\n 03 flat annual premium amount \\n 05 expense charge \\n 06 current and guaranteed COI by percentage of total target premium of all \\ninsureds\\u2019 coverages (included in substandard calculations) \\n 07 policy fee plus account value load defined on COI Ruleset \\n 08 pass requested payment amount for external calculation \\n 09 pass initial lump sum for external calculation \\n 10 pass requested payment amount and initial lump sum for external \\ncalculation \\n 11 premium rate by percentage of total premium of an insureds\\u2019 coverages \\n(included in substandard calculations) \\n 13 premium rate by flat amount per volume of coverage (not included in \\nsubstandard premium calculation for substandard type 30). \\n 15 flat amount additional load (added to the fund at time of premium \\npayment and deducted at time of COI deduction) \\n 20 premium rate by percentage of total COI of contract benefit amount = total \\nunits of contract, for use of SBC\\u2019s only \\n 50 premium rate by flat amount per volume of coverage (percent \\nsubstandard is a percent of first year COI rate) \\n 90 minimum premium \\n 91 maximum premium \\n \\n7. RATEKEY \\nSix position field identifying the set of Rates to access during the calculation of \\npremiums for this plan. The RATEKEY field may be used to allow several plans to \\nreference the same Rate Record as well as allowing a specific set of Rates to be \\nestablished for a specific plan. Valid entry into the RATEKEY field includes: \\nblank when not applicable or \\nany other value (up to six positions) to access a specific set of \\nrates\"",
"file_name": "System Reference-LifeSys System Reference.pdf",
"page_label": "1613"
},
{
"id": "6bd0a82a-c6dd-4e66-8618-067834719844",
"text": "\"System Reference Manual \\n \\n \\n \\n\\u00a9 2023 NTT DATA, Inc. | Proprietary and Confidential | July 5, 2024 1606 \\n \\n \\n15. STACKBY \\n See STACKBY codes for TYPE \\u201c100\\u201d-\\u201c199\\u201d SUB TYPE \\u201c300\\u201d, Screen. \\n \\n16. GUARANTEED COI WP EXCLUSION TABLE \\n A table of up to 3 SBCs that may be excluded from the waiver of premium calculation. \\nThe exclusion is used only for waiver plans using premium rating method 11. \\n \\nNOTE: Excluded SBC\\u2019s should be coded on waiver\\u2019s plan record (i.e. Plan File Maintenance \\n(95) screen 120/302 record). \\n \\nCURRENT COI RATING (4 occurrences) \\n17. METHOD \\n Two position code describing the type of premium entry or the basis of the premium \\nentry. The METHOD is used to access the Premium Rate Factor File (available through \\n94 screen). Input is required (in all four occurrences), valid values include: \\n 00 not used \\n 01 premium rate by flat amount per volume of coverage (included in \\nsubstandard premium calculations) \\n 02 first year additional deposit \\n 03 flat annual premium amount \\n 05 expense charge \\n 06 current and guaranteed COI by percentage of total target premium of all \\ninsureds\\u2019 coverages (included in substandard calculations) \\n 07 policy fee plus account value load defined on COI Ruleset \\n 08 pass requested payment amount for external calculation \\n 09 pass initial lump sum for external calculation \\n 10 pass requested payment amount and initial lump sum for external \\ncalculation \\n 11 premium rate by percentage of total premium of an insureds\\u2019 coverages \\n(included in substandard calculations) \\n 13 premium rate by flat amount per volume of coverage (not included in \\nsubstandard premium calculation for substandard type 30). \\n 15 flat amount additional load (added to the fund at time of premium \\npayment and deducted at time of COI deduction) \\n 20 premium rate by percentage of total COI of contract benefit amount = total \\nunits of contract, for use of SBC\\u2019s only. SBC 20s benefit is total COI units \\nof contract \\n 21 premium rate by percentage of total COI of contract benefit amount = total \\nCOI of contract, for use of SBCs only. SBC 20s benefit is total COI \\namount on contract.\"",
"file_name": "System Reference-LifeSys System Reference.pdf",
"page_label": "1606"
},
{
"id": "f62ade81-8be2-4f26-8501-c87b27eb8316",
"text": "\"System Reference Manual \\n \\n \\n \\n\\u00a9 2023 NTT DATA, Inc. | Proprietary and Confidential | July 5, 2024 1606 \\n \\n \\n15. STACKBY \\n See STACKBY codes for TYPE \\u201c100\\u201d-\\u201c199\\u201d SUB TYPE \\u201c300\\u201d, Screen. \\n \\n16. GUARANTEED COI WP EXCLUSION TABLE \\n A table of up to 3 SBCs that may be excluded from the waiver of premium calculation. \\nThe exclusion is used only for waiver plans using premium rating method 11. \\n \\nNOTE: Excluded SBC\\u2019s should be coded on waiver\\u2019s plan record (i.e. Plan File Maintenance \\n(95) screen 120/302 record). \\n \\nCURRENT COI RATING (4 occurrences) \\n17. METHOD \\n Two position code describing the type of premium entry or the basis of the premium \\nentry. The METHOD is used to access the Premium Rate Factor File (available through \\n94 screen). Input is required (in all four occurrences), valid values include: \\n 00 not used \\n 01 premium rate by flat amount per volume of coverage (included in \\nsubstandard premium calculations) \\n 02 first year additional deposit \\n 03 flat annual premium amount \\n 05 expense charge \\n 06 current and guaranteed COI by percentage of total target premium of all \\ninsureds\\u2019 coverages (included in substandard calculations) \\n 07 policy fee plus account value load defined on COI Ruleset \\n 08 pass requested payment amount for external calculation \\n 09 pass initial lump sum for external calculation \\n 10 pass requested payment amount and initial lump sum for external \\ncalculation \\n 11 premium rate by percentage of total premium of an insureds\\u2019 coverages \\n(included in substandard calculations) \\n 13 premium rate by flat amount per volume of coverage (not included in \\nsubstandard premium calculation for substandard type 30). \\n 15 flat amount additional load (added to the fund at time of premium \\npayment and deducted at time of COI deduction) \\n 20 premium rate by percentage of total COI of contract benefit amount = total \\nunits of contract, for use of SBC\\u2019s only. SBC 20s benefit is total COI units \\nof contract \\n 21 premium rate by percentage of total COI of contract benefit amount = total \\nCOI of contract, for use of SBCs only. SBC 20s benefit is total COI \\namount on contract.\"",
"file_name": "System Reference-General Maintenance.pdf",
"page_label": "438"
}
],
"acceptance_criteria": [
"The system must calculate the monthly benefit amount based on the total coverage amount divided by the number of months in the chosen benefit period.",
"The system must display the calculated monthly benefit amount on the policy details screen.",
"The system must allow the user to select between a monthly benefit payment option and a one-sum payment option.",
"The system must calculate the one-sum payment amount as the total coverage amount.",
"The system must display the one-sum payment amount on the policy details screen when selected.",
"The system must ensure that the monthly benefit payments start from the beginning date of the coverage period and continue until the end date of the coverage period.",
"The system must handle any rounding differences in the monthly benefit amount calculation and ensure the total paid amount matches the total coverage amount.",
"The system must validate that the chosen benefit period is within the allowed range as specified in the policy rules.",
"The system must ensure that the coverage amount is included in the death benefit calculation when applicable.",
"The system must log all calculations and display changes for audit purposes."
],
"created_at": "2025-01-28T22:12:01.714Z",
"updated_at": "2025-01-28T22:12:01.714Z"
},
{
"doc_uid": "8f68c38f-3267-47cc-9f3f-6d81f810cee6",
"uid": "f1c62b7c-cb75-488c-9932-f71e43db4fc7",
"ref_id": "CREQ-011 Discount Factor",
"summary": "Add a feature to apply discount factors based on the benefit period (0.96 for 36 months, 0.93 for 60 months, and 0.87 for 120 months) accurately in premium calculations.\n\n\n\n**Current client process**:\n\nCurrently, the system does not apply discount factors based on the benefit period in premium calculations.",
"references": [
{
"id": "3c237fc2-d160-46de-9c37-05cbc8c943bb",
"text": "\"System Reference Manual \\n \\n \\n \\n\\u00a9 2023 NTT DATA, Inc. | Proprietary and Confidential | July 5, 2024 1637 \\n \\n \\n11. KEY 2 \\n Factor 2 \\u2014 Same factors as KEY 1. \\n \\n12. KEY 3 \\n Factor 3 \\u2014 Same factors as KEY 1. \\n \\n13. KEY 4 \\n Factor 4 \\u2014 Same factors as KEY 1. \\n \\n14. KEY 5 \\n Factor 5 \\u2014 Same factors as KEY 1. \\n \\n15. BAS CODE \\n This field contains a two-digit code indicates what constitutes a unit of insurance, which \\nis used in the calculation of cash value and reserves. Valid values are: \\n 01 per policy (policy is one unit) \\n 02 per thousand dollars of face amount \\n 03 per hundred dollars of annual premium \\n 04 per dollar of annual premium \\n 05 Units equal Face divided by 1000; MR Factor equal 1. The MR amount \\nequals the sum of the basic premium and all SBC premiums in effect \\nmultiplied by the mode, divided by 24. It is equivalent to a half month\\u2019s \\ncost of insurance. \\n 06 Units equal the sum of the basic premium and all SBC premiums in effect, \\nmultiplied by the mode, divided by 100 MR amount equals the MR factor \\nmultiplied by units \\n 07 Units equal the SBC benefit amount divided by 1000. The MR amount \\nequals the MR factor multiplied by units. \\n 08 Units equal the basic premium plus the SBC premium amounts in effect, \\nmultiplied by the mode, divided by 100. The MR factor equals the SBC \\npremium for the SBC being reserved multiplied by the mode, divided by \\nthe units. The result is multiplied by the percentage in the factor file. The \\nMR amount equals the MR factor from the above calculation, multiplied \\nby the units. \\n 09 Units equal SBC benefit amount divided by 1000. The MR factor equals \\nthe SBC premium for the SBC being reserved multiplied by the mode, \\ndivided by units. The result is multiplied by the percentage in the factor \\nfile. The MR amount equals the MR factor from the above calculation, \\nmultiplied by the units. \\n 10 Original units. \\n 11 Units equal current death benefit divided by 1000.\"",
"file_name": "System Reference-General Maintenance.pdf",
"page_label": "469"
},
{
"id": "196cba6e-9025-46e1-aff1-3a29381c7dcf",
"text": "\"System Reference Manual \\n \\n \\n \\n\\u00a9 2023 NTT DATA, Inc. | Proprietary and Confidential | July 5, 2024 1637 \\n \\n \\n11. KEY 2 \\n Factor 2 \\u2014 Same factors as KEY 1. \\n \\n12. KEY 3 \\n Factor 3 \\u2014 Same factors as KEY 1. \\n \\n13. KEY 4 \\n Factor 4 \\u2014 Same factors as KEY 1. \\n \\n14. KEY 5 \\n Factor 5 \\u2014 Same factors as KEY 1. \\n \\n15. BAS CODE \\n This field contains a two-digit code indicates what constitutes a unit of insurance, which \\nis used in the calculation of cash value and reserves. Valid values are: \\n 01 per policy (policy is one unit) \\n 02 per thousand dollars of face amount \\n 03 per hundred dollars of annual premium \\n 04 per dollar of annual premium \\n 05 Units equal Face divided by 1000; MR Factor equal 1. The MR amount \\nequals the sum of the basic premium and all SBC premiums in effect \\nmultiplied by the mode, divided by 24. It is equivalent to a half month\\u2019s \\ncost of insurance. \\n 06 Units equal the sum of the basic premium and all SBC premiums in effect, \\nmultiplied by the mode, divided by 100 MR amount equals the MR factor \\nmultiplied by units \\n 07 Units equal the SBC benefit amount divided by 1000. The MR amount \\nequals the MR factor multiplied by units. \\n 08 Units equal the basic premium plus the SBC premium amounts in effect, \\nmultiplied by the mode, divided by 100. The MR factor equals the SBC \\npremium for the SBC being reserved multiplied by the mode, divided by \\nthe units. The result is multiplied by the percentage in the factor file. The \\nMR amount equals the MR factor from the above calculation, multiplied \\nby the units. \\n 09 Units equal SBC benefit amount divided by 1000. The MR factor equals \\nthe SBC premium for the SBC being reserved multiplied by the mode, \\ndivided by units. The result is multiplied by the percentage in the factor \\nfile. The MR amount equals the MR factor from the above calculation, \\nmultiplied by the units. \\n 10 Original units. \\n 11 Units equal current death benefit divided by 1000.\"",
"file_name": "System Reference-LifeSys System Reference.pdf",
"page_label": "1637"
},
{
"id": "8ad39e1c-0cf6-478e-8ced-f174697fe296",
"text": "\"System Reference Manual \\n \\n \\n \\n\\u00a9 2023 NTT DATA, Inc. | Proprietary and Confidential | July 5, 2024 1506 \\n \\n \\n31. PL FEE MTHD \\nThis field defines the policy fee compare method to determine what amount to use as \\nthe policy fee when processing a Cost of Insurance transaction. \\nblank Use SBC \\u201c009\\u201d - policy fee premium \\n1 When no deposit has been received during the compare period, the policy \\nfee will be the less of excess interest earned or the policy fee (SBC \\n\\u201c009\\u201d). When a deposit has been received during the compare period, \\npolicy fee will be the SBC \\u201c009\\u201d premium. \\n 2 Deduct the policy fee (SBC 009 amount) from the net amount at risk prior \\nto calculating COI. \\n \\nFor value \\u201c1\\u201d, the compare period is defined as the COI deduction mode based on the \\ncurrent Cost of Insurance (COI) due date. \\n \\nIn order to use this feature, Item Code 119 must be setup. \\n \\n32. BEN PER ACC \\nThis field defines the maximum benefit period for accidents. This is a five-digit code for \\nmaximum number of years, months or specified age that policy has accident coverage. \\n \\nThis value is required for New Business entry, regardless of FORM EDIT. This values \\napplies only to FORM EDIT \\u201c064\\u201d. \\n \\n33. BEN PER SICK \\nThis field defines the maximum benefit period for sickness. This is a five-digit code for \\nmaximum number of years, months or specified age that policy has sickness coverage. \\n \\nThis value is required for New Business entry, regardless of FORM EDIT. This values \\napplies only to FORM EDIT \\u201c064\\u201d. \\n \\n34. MODEKEY \\nThis is an eight-position field identifying the set of modal factors to access during the \\ncalculation of modal premium amounts for this plan. The Mode Factors and calculation \\ncontrols are located on the Mode Factor Maintenance (92/2) screen. Valid values are: \\nblank Access the standard set of mode factors \\nany other value Access a specific set of mode factors This value can be up \\nto eight positions.\"",
"file_name": "System Reference-General Maintenance.pdf",
"page_label": "338"
},
{
"id": "66cb1667-84dd-4a2e-b5f7-f58be2575a82",
"text": "\"System Reference Manual \\n \\n \\n \\n\\u00a9 2023 NTT DATA, Inc. | Proprietary and Confidential | July 5, 2024 1506 \\n \\n \\n31. PL FEE MTHD \\nThis field defines the policy fee compare method to determine what amount to use as \\nthe policy fee when processing a Cost of Insurance transaction. \\nblank Use SBC \\u201c009\\u201d - policy fee premium \\n1 When no deposit has been received during the compare period, the policy \\nfee will be the less of excess interest earned or the policy fee (SBC \\n\\u201c009\\u201d). When a deposit has been received during the compare period, \\npolicy fee will be the SBC \\u201c009\\u201d premium. \\n 2 Deduct the policy fee (SBC 009 amount) from the net amount at risk prior \\nto calculating COI. \\n \\nFor value \\u201c1\\u201d, the compare period is defined as the COI deduction mode based on the \\ncurrent Cost of Insurance (COI) due date. \\n \\nIn order to use this feature, Item Code 119 must be setup. \\n \\n32. BEN PER ACC \\nThis field defines the maximum benefit period for accidents. This is a five-digit code for \\nmaximum number of years, months or specified age that policy has accident coverage. \\n \\nThis value is required for New Business entry, regardless of FORM EDIT. This values \\napplies only to FORM EDIT \\u201c064\\u201d. \\n \\n33. BEN PER SICK \\nThis field defines the maximum benefit period for sickness. This is a five-digit code for \\nmaximum number of years, months or specified age that policy has sickness coverage. \\n \\nThis value is required for New Business entry, regardless of FORM EDIT. This values \\napplies only to FORM EDIT \\u201c064\\u201d. \\n \\n34. MODEKEY \\nThis is an eight-position field identifying the set of modal factors to access during the \\ncalculation of modal premium amounts for this plan. The Mode Factors and calculation \\ncontrols are located on the Mode Factor Maintenance (92/2) screen. Valid values are: \\nblank Access the standard set of mode factors \\nany other value Access a specific set of mode factors This value can be up \\nto eight positions.\"",
"file_name": "System Reference-LifeSys System Reference.pdf",
"page_label": "1506"
},
{
"id": "5210bade-ede2-44e8-8545-71f3567bfb35",
"text": "\"Rulesets Manual \\n \\n \\n \\n\\u00a9 2022 NTT DATA, Inc. | Proprietary and Confidential | September 12, 2024 481 \\n \\n \\npayoff subtract cash surrender value. Then divide that number by 1 minus \\npremium load for the MAV as of grace entry. \\nThe second field defines XX in the formulas. This value must be a valid numeric value \\nthat indicates the number of months. \\nNOTE: PROCESSING OPTION 132 needs to be set when using values \\u201c6\\u201d or \\u201c7\\u201d for full \\nfunctionality. \\n \\nCALCULATION TYPE \\nThe CALCULATION TYPE field indicates how the face amount will be adjusted in \\nExtended Term Insurance (ETI) calculations. Valid values are: \\n01 Face amount will not be adjusted \\n02 Face amount reduced by the amount of any outstanding loans and loan \\ninterest \\n03 Face amount will be adjusted by the amount of outstanding loans, loan \\ninterest and dividend accumulations \\n04 Face amount will be increased by the amount of any dividend \\naccumulations \\n05 Face amount will be adjusted by the amount of any outstanding loans, \\nloan interest, dividend accumulations, CAPE and paid up additions \\n06 Current death benefit amount will be adjusted by the amount of any \\noutstanding loans, loan interest, dividend accumulation, CAPE and paid \\nup additions and will be used in place of face amount \\n \\nCALC OPTIONS \\nETI \\nThis field contains a two-position code controlling the calculation of the Extended Term \\nperiod. This field is not required. Valid values are: \\n01 Period calculated using Mortality & Death factors for attained age \\n02 Period calculated by interpolation \\n \\nRPU \\nThis field contains a two-position code controlling the calculation of Reduced Paid Up \\n(RPU) face amount. Valid values are: \\n01 Use standard RPU face amount calculation and rounding process (Net \\ncash value/((M value at attained age/D value at attained age) + ((dur \\nmonths/12) * ((M value at new attained age/D value at new attained age) \\n\\u2013 (M value at attained age/D value at attained age)))) \\n02 Use standard RPU face amount calculation (from above); then divide by \\nthe units, round up to the next whole dollar and multiply by the units to \\ndetermine the RPU face amount\"",
"file_name": "Rulesets Manual.pdf",
"page_label": "481"
},
{
"id": "c6fb40ed-d940-4c10-8211-d4fc70533cb9",
"text": "\"System Reference Manual \\n \\n \\n \\n\\u00a9 2023 NTT DATA, Inc. | Proprietary and Confidential | July 5, 2024 1507 \\n \\n \\n35. STOP BILL MTHD \\nThis contains a one-character value indicating the method used to discontinue billing. \\nValid values are: \\nblank Normal billing method (such as due date greater or equal than expiry \\ndate, policy canceled, etc.) \\n1 Premium received equals planned premium \\n \\n36. BEN CODE ACC \\nThis field contains a one-character value to indicate whether accident benefits are \\napplied to a given age or for a number of years. Valid values are: \\nA Benefit period is to a given age \\nY Benefit period is for a number of years \\nN Benefit period does not apply \\nM Benefit period is for a number of months \\n \\nThis value is required for New Business entry, regardless of FORM EDIT. This values \\napplies only to FORM EDIT \\u201c064\\u201d. \\n \\n37. BEN CODE SICK \\nThis field contains a one-character value to indicate whether sickness benefits are \\napplied to a given age or for a number of years. Valid values are: \\nA Benefit period is to a given age \\nD Benefit period is for a number of days \\nW Benefit period is for number of weeks \\nY Benefit period is for a number of years \\nN Benefit period does not apply \\nM Benefit period is for a number of months \\n \\nThis value is required for New Business entry, regardless of FORM EDIT. This values \\napplies only to FORM EDIT \\u201c064\\u201d. \\n \\n38. EXCHANGE OPT FREQ \\nThis value is the frequency in number of years that the term policy may be exchanged \\nfor a Whole Life policy. For example, if this value is \\u201c05\\u201d, every five years from the issue \\ndate (year five, year ten, year fifteen, etc), the policy may be exchanged.\"",
"file_name": "System Reference-General Maintenance.pdf",
"page_label": "339"
},
{
"id": "59d02c4d-2144-4e1f-b8e2-f90dbc8a93b7",
"text": "\"System Reference Manual \\n \\n \\n \\n\\u00a9 2023 NTT DATA, Inc. | Proprietary and Confidential | July 5, 2024 1507 \\n \\n \\n35. STOP BILL MTHD \\nThis contains a one-character value indicating the method used to discontinue billing. \\nValid values are: \\nblank Normal billing method (such as due date greater or equal than expiry \\ndate, policy canceled, etc.) \\n1 Premium received equals planned premium \\n \\n36. BEN CODE ACC \\nThis field contains a one-character value to indicate whether accident benefits are \\napplied to a given age or for a number of years. Valid values are: \\nA Benefit period is to a given age \\nY Benefit period is for a number of years \\nN Benefit period does not apply \\nM Benefit period is for a number of months \\n \\nThis value is required for New Business entry, regardless of FORM EDIT. This values \\napplies only to FORM EDIT \\u201c064\\u201d. \\n \\n37. BEN CODE SICK \\nThis field contains a one-character value to indicate whether sickness benefits are \\napplied to a given age or for a number of years. Valid values are: \\nA Benefit period is to a given age \\nD Benefit period is for a number of days \\nW Benefit period is for number of weeks \\nY Benefit period is for a number of years \\nN Benefit period does not apply \\nM Benefit period is for a number of months \\n \\nThis value is required for New Business entry, regardless of FORM EDIT. This values \\napplies only to FORM EDIT \\u201c064\\u201d. \\n \\n38. EXCHANGE OPT FREQ \\nThis value is the frequency in number of years that the term policy may be exchanged \\nfor a Whole Life policy. For example, if this value is \\u201c05\\u201d, every five years from the issue \\ndate (year five, year ten, year fifteen, etc), the policy may be exchanged.\"",
"file_name": "System Reference-LifeSys System Reference.pdf",
"page_label": "1507"
},
{
"id": "b47bd655-dca3-4f33-b71f-32994417c858",
"text": "\"Valid values are:\\r\\\"001\\\" - required\\r\\\"002\\\"- not required\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u000711 - rated or declined question code. Valid values are:\\r\\\"001\\\" - required\\r\\\"002\\\" - not required\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u000712 - hazardous activity question code. Valid values are:\\r\\\"001\\\" - required\\r\\\"002\\\" - not required\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u000713 - aviation activity question code. Valid values are:\\r\\\"001\\\" - required\\r\\\"002\\\" - not required\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u000714 - underwriting class question code. Valid values are:\\r\\\"001\\\" - required\\r\\\"002\\\" - not required\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u000715 - Currently not in use. Must be 001.\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u000716 - occupational risk code. Valid values are:\\r\\\"001\\\" - required\\r\\\"002\\\" - not required\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u000717 - occupation class code. Valid values are:\\r\\\"001\\\" - required\\r\\\"002\\\" - not required\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u000718 - occupation type code. Valid values are:\\r\\\"001\\\" - required\\r\\\"002\\\" - not required\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u000719 - accident benefit period and rule code. Valid values are:\\r\\\"001\\\" - required\\r\\\"002\\\" - not required at time of data entry\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u000720 - sickness benefit period and rule code. Valid values are:\\r\\\"001\\\" - required\\r\\\"002\\\" - not required at time of data entry\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u000721 - accident elimination period code. Valid values are:\\r\\\"001\\\"- required\\r\\\"002\\\" - not required\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u000722 - sickness elimination period code. Valid values are:\\r\\\"001\\\" - required\\r\\\"002\\\" - not required\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u000723 - first coverage amount compare code, indicating whether or not to compare the requested payment against either COI, minimum or target premium. Used only on plans that allows flexible billing. Valid values are:\\r\\\"001\\\" - use requested payment as is \\r\\\"002\\\" - COI\\r\\\"003\\\" - COI plus initial lump sum\\r\\\"004\\\" - minimum\\r\\\"005\\\" - minimum plus initial lump sum\\r\\\"006\\\" - target\\r\\\"007\\\" - target plus initial lump sum\\r\\\"008\\\" - current premium\\r\\\"009\\\" - current premium plus initial lump sum\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u000724 - benefit option code. Valid values are:\\r\\\"001\\\" - required\\r\\\"002\\\" - not required\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u000725 - cvat/corr method. Valid values are:\\r001 - use CVAT factors, if they exist, for the COI and death benefit calculations. If not CVAT factors, use TEFRA/DEFRA factors for both calculations. 001 is the default value.\\r002 - use CVAT factors for death benefit calculations and TEFRA/DEFRA factors for NAR in the COI calculations.\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u000726 - CVAT PREM LIMIT. Valid values are:\\r\\\"001\\\" Do not limit premiums based on CVAT. \\r\\\"002\\\" Limit premiums based on CVAT. Do not increase death benefit.\\r003 Do not limit premiums based on CVAT. Display a warning message and increase the death benefit.\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u000727 GUIDELINE PREMIUM RECALCULATION CODE. Valid values are:\\r001 not required\\r002 Recalculate guideline premiums using cash value retrospective method\\r003 Recalculate guideline premiums using the Dole-Bentsen prospective method\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u000728 - cash with application requirement code.\""
},
{
"id": "c7ad8a5a-2cc5-4053-bca0-f018bdc7ce94",
"text": "\"The calculation of units is done via programs LSNAD261\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007and LSNAD254, utilizing the BASIS code on the Plan File 300 screens (the specific screen depends on policy status). When the calculation errors, or when this field is Y and the policy status is not blank, R, Y, P or X, the face amount displayed on the Policy Maintenance (21/2) screen and used in death benefit calculations is obtained from field LM-FACE, and the message face shown is original is displayed on the Policy Maintenance (21/2) screen. When this field is blank or N, the face amount displayed on the Policy Maintenance (21/2) screen and used in death benefit calculations is obtained from field LM-FACE and no message is displayed on the Policy Maintenance (21/2) screen.\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u000719.\\u0007PR-MODE-PREM\\rMode premium flag. Valid values are:\\r\\\"N\\\" - do not calculate mode premiums\\r\\\"Y\\\" - calculate mode premiums\\rThis field must be N for all UL plans and for plan types 101 - 199.\\u0007x.\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u000720.\\u0007PR-FLEX-BILL\\rFlexible billing flag. Valid values are:\\rblank or \\\"N\\\" - do not allow flexible billing\\r\\\"P\\\" - flexible billing is allowed and planned premium paid to date is required. Only valid for vanishing premium insurance types.\\rS - billing not applicable. Only valid for single premium products.\\r\\\"Y\\\" - allow flexible billing\\u0007X.\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u000721.\\u0007PR-TAXATION\\rContract / rider taxation flag. Valid values are:\\r\\\"C\\\" - taxed at contract level\\r\\\"R\\\" - rider is taxed separately\\u0007X.\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u000722.\\u0007PR-ANN-DB-CALC-METHOD\\rIndicator designating how to calculate death benefits on annuities. Must be blank when PR-INS1 is not A. When PR-INS1 is A, valid values are:\\rBlank death benefit is greater of gross deposits less gross withdrawals, or the fund as of the last ICD.\\r1 death benefit is the face amount\\rNOTE: This field is overridden by the Death Benefit Option on the DTH Ruleset when the option is set to 03. This amount will then equal the net surrender value.\\u0007X.\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u000723.\\u0007PR-CHK-DATE-IND\\rIndicator that designates if the system effective date or accounting date will be used for those checks generated for policies under the indicated plan. Valid values are:\\rBlank default, designates the accounting date will be used for all checks\\rE designates that the effective date will be used for all checks\\u0007X.\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u000724.\\u0007PR-MODE KEY\\rThe set of modal factors to access when calculating mode premiums for this plan. Mode factors and calculation controls are located in the System Reference file, and on the Mode Factor Maintenance (92/2) screen. Valid values are:\\rblank - access the standard set of mode factors\\ranything else - access this specific set of mode factors\\u0007X(8).\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u000725.\\u0007PR-COMM-CHARGEBACK-METHOD\\rTwo-digit code indicating the method in which commissions are to be reversed or charged back to the agent when a policy is surrendered, lapsed or a death claim is made during the first policy year. Valid values are:\\rblank - commission will not be reversed\\r01 - 100% commission reversed during the first six months, pro-rated during the second six months\\r02 - the commission reversal is pro-rated during the first year\\r03 - 100% commission reversal during the first year\\r04 - for lapses and surrenders, the commission reversal is pro-rated during the first year. For deaths, 100% commission reversal during the first year.\\u00079(2).\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u000726.\\u0007PR-RERATE-MTHD\\rMethod of calculating rerate date.\\rblank - rerate frequency is added to current rerate year to get next rerate date - based from issue date\\r2 - due date on or after birthdate or next anniversary, whichever is less\\r3 - used for group billing (LM-PC-05). Uses rerate date for employer ID. One year guarantee period exists. Policies less than one year will not change premiums.\\r4 - used to recalculate policy premium or face amount to comply with what the policys fund value should be for a particular duration.\""
},
{
"id": "e53aabb9-3674-4b45-b628-c07178498bdc",
"text": "\"The tax reserve factor keys used in the current reserve calculation. Consists of field R-TAXR-FK, which occurs five times and has picture 9(3). Note that these are not the key codes contained on the plan file 305 record, but rather the actual keys that were calculated (as specified by the codes on the plan file 305 record) and used to obtain the tax reserve factors. This field must be blank when tax reserves are not calculated or used.\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u000744.\\u0007XR-TAXR-FKEY-CODES.\\rFive occurrences of field R-TAXR-FKCODE, with picture 9(2) for each occurrence. These are the codes as they appear (not as they are calculated) on the plan file 305 record of the actuarial plan used to access the tax reserve records to compute the current reserve. This field must be blank when tax reserves are not calculated or used.\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u000745.\\u0007XR-TAXR-DDP\\rThis flag is from the plan file 305 record, and controls selection for due, deferrred, and paid in advance reporting. This field must be blank when tax reserves are not calculated or used. Valid codes include:\\rN - do not include in reporting\\rS - single premium\\rY - include in reporting\\u0007X.\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u000746.\\u0007XR-TAXR-BASIS-CODE\\rThe basis code from the plan file 305 record of the actuarial plan used to access the tax reserve records to compute the reserve. This code indicates what reserve calculations are based on. This field must be blank when tax reserves are not calculated or used. Valid values are:\\r01 - per policy (policy is one unit)\\r02 - per thousand dollars of face amount\\r03 - per hundred dollars of annual premium\\r04 - per dollar of annual premium\\u0007X(2).\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u000705 - units = face/1000: mean reserve factor = 1. The mean reserve amount = sum of the basic premium and all SBC premiums in effect, multiplied by the mode, divided by 24. This is the equivalent to 1/2 months COI.\\r06 - units = the sum of the basic premium and all SBC premiums in effect, multiplied by the mode, divided by 100. The mean reserve amount = the mean reserve factor multiplied by the units.\\r07 - units = the SBC benefit amount divided by 1000. The mean reserve = the mean reserve factor multiplied by units.\\r08 - units = the basic premium and all SBC premiums in effect, multiplied by the mode, divided by 100. The mean reserve factor = the SBC premium for the SBC being reserved, multiplied by the mode, divided by units. The result is multiplied by the percentage in the factor file. The mean reserve amount = the mean reserve factor from the above calculation, multiplied by units.\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u000709 - units = the SBC benefit amount divided by 1000. The mean reserve factor = the SBC premium for the SBC being reserved, multiplied by the mode, divided by units. The result is multiplied by the percentage in the factor file. The mean reserve amount = the mean reserve factor \\rfrom the above calculation, multiplied by units.\\r10 - original units \\r11 - units = current death benefit divided by 1000.\\r12 - units = growth value (i.e., current death benefit less guaranteed death benefit) divided by 1000.\\r13 - units = growth value (i.e., current death benefit less face) divided by 1000.\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u000747.\\u0007XR-TAXR-VAL-MORT\\rThe mortality code from the plan file 305 record of the actuarial plan used to access the tax reserve records to compute the reserve. This field must be blank when tax reserves are not calculated or used. For valid values see XR-VAL-MORT in this section.\\u0007X(2).\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u000748.\\u0007XR-TAXR-VAL-INT\\rThe interest code from the plan file 305 record of the actuarial plan used to access the tax reserve records to compute the reserve. This field must be blank when tax reserves are not calculated or used.\""
},
{
"id": "9c451d86-e609-4962-877b-e4d406c76068",
"text": "\"System Reference Manual \\n \\n \\n \\n\\u00a9 2023 NTT DATA, Inc. | Proprietary and Confidential | July 5, 2024 1573 \\n \\n \\n14. DESIGNATED AMT \\n Seven position numeric additional amount to be used in the death benefit calculation (for \\ndeath benefit option 1). The death benefit equals the larger of face or (fund + designated \\namt). \\n \\nNOTE: See Policy Maintenance (21/7) Screen, Universal Life Face Amount Maintenance, field \\nCURR OPT for specific calculation. \\n \\n15. COI TIMING METHOD \\n This field indicates if the system should allow COI to be deducted at the end of the policy \\nmonth or year instead of on the COI due date. \\n 1 deduct COI on the COI due date \\n 2 delay COI deduction until the end of the policy month when the COI mode \\nis monthly, or the end of the policy year when the COI mode is annual \\n \\nNOTE: This control may only be \\u201c2\\u201d when COI DEDUCTION MODE is \\u201c2\\u201d or \\u201c5\\u201d, and COI \\nCALCULATE MODE is \\u201c0\\u201d, \\u201c1\\u201d or \\u201c12\\u201d. \\n \\n16. GDLN RECALC MTHD \\nThis field will indicate the recalculation method to be used when a policy change occurs. \\nValid values are: \\n001 Not applicable \\n002 Recalculate guideline premium using LifeSys method \\n003 Recalculate guideline premium using Dole-Bentsen method \\n \\n17. ASSUMED PREMIUM \\nThis field indicates if assumed premium is allowed and the formula to calculate assumed \\npremium. \\n 1 do not allow \\n 2 allow amount of assumed deposits = (sum of current SBC prems + basic \\nprem) * mode \\n 3 allow amount of assumed deposit = lap + prem of COI SBC\\u2019s \\n \\nThis control may only be \\u201c2\\u201d or \\u201c3\\u201d when COI DEDUCTION MTHD is \\u201c2\\u201d. \\n \\n18. CVAT/CORR METHOD \\nOne position code controlling which factor to use in the calculation of the Death Benefit \\nAmount and NAR which is associated with the COI calculation. When GUIDELINE \\nPREM CALC is \\u201c2\\u201d, this field must be a value of \\u201c1\\u201d. \\n1 Use CVAT factors if they exist for Death Benefit Amount and NAR.\"",
"file_name": "System Reference-General Maintenance.pdf",
"page_label": "405"
},
{
"id": "b335b726-1a7e-4954-a5f8-afa068398c9f",
"text": "\"System Reference Manual \\n \\n \\n \\n\\u00a9 2023 NTT DATA, Inc. | Proprietary and Confidential | July 5, 2024 1573 \\n \\n \\n14. DESIGNATED AMT \\n Seven position numeric additional amount to be used in the death benefit calculation (for \\ndeath benefit option 1). The death benefit equals the larger of face or (fund + designated \\namt). \\n \\nNOTE: See Policy Maintenance (21/7) Screen, Universal Life Face Amount Maintenance, field \\nCURR OPT for specific calculation. \\n \\n15. COI TIMING METHOD \\n This field indicates if the system should allow COI to be deducted at the end of the policy \\nmonth or year instead of on the COI due date. \\n 1 deduct COI on the COI due date \\n 2 delay COI deduction until the end of the policy month when the COI mode \\nis monthly, or the end of the policy year when the COI mode is annual \\n \\nNOTE: This control may only be \\u201c2\\u201d when COI DEDUCTION MODE is \\u201c2\\u201d or \\u201c5\\u201d, and COI \\nCALCULATE MODE is \\u201c0\\u201d, \\u201c1\\u201d or \\u201c12\\u201d. \\n \\n16. GDLN RECALC MTHD \\nThis field will indicate the recalculation method to be used when a policy change occurs. \\nValid values are: \\n001 Not applicable \\n002 Recalculate guideline premium using LifeSys method \\n003 Recalculate guideline premium using Dole-Bentsen method \\n \\n17. ASSUMED PREMIUM \\nThis field indicates if assumed premium is allowed and the formula to calculate assumed \\npremium. \\n 1 do not allow \\n 2 allow amount of assumed deposits = (sum of current SBC prems + basic \\nprem) * mode \\n 3 allow amount of assumed deposit = lap + prem of COI SBC\\u2019s \\n \\nThis control may only be \\u201c2\\u201d or \\u201c3\\u201d when COI DEDUCTION MTHD is \\u201c2\\u201d. \\n \\n18. CVAT/CORR METHOD \\nOne position code controlling which factor to use in the calculation of the Death Benefit \\nAmount and NAR which is associated with the COI calculation. When GUIDELINE \\nPREM CALC is \\u201c2\\u201d, this field must be a value of \\u201c1\\u201d. \\n1 Use CVAT factors if they exist for Death Benefit Amount and NAR.\"",
"file_name": "System Reference-LifeSys System Reference.pdf",
"page_label": "1573"
},
{
"id": "b7a9381a-e83c-4c17-88b3-8211370d0caf",
"text": "\"Coverage Issue date\\n\\nThe extract file can send multiple records for riders and base coverage. \\nIf the record being sent is a rider, then send issue date for the rider. If the record sent is the base coverage, then send the issue date of the base coverage.\\n Policy Insured Information Policy Issue State Mapped\\n Delimiter 57 57 1 PIC X(1) \\n12 NUMBER_OF_UNITS 58 73 16 PIC 9(12).999 Number of Units for the benefit or rider Number of Units in Policy.\\n\\nSend result of 21/2: FACE / Field ID 13\\n Divided by 1000 Policy Policy Values Face Amount Mapped\\n Delimiter 74 74 1 PIC X(1) \\n13 VALUE_PER_UNIT 75 87 13 PIC 9(10).99 Value per Unit for the benefit or rider Value per Unit.\\n\\nIF plan has VARYING DB=Y then compute value with this formula (AD761-FACE * PRMFACT-AMT-PL) / LM-FACE) Else Send result of LM-FACE / VALUE_PER_UNIT (Field ID 13)\\n \\n Delimiter 88 88 1 PIC X(1) \\n14 GROSS_PREM_DUE 89 97 9 S9(9)V99 Gross Prem Due for the benefit or rider \\n Gross Prem Due for the benefit or rider (Anything past due)\\n\\n1) Calculate Mode Premium, Annualized Premium, Monthly Premium, and Months Due\\n2) Calculate Due Premium from Months Due * Monthly Premium\\n Send value of Due Premium\\n \\n Delimiter 98 98 1 PIC X(1) \\n15 GROSS_PREM_DEFERRED 99 111 13 PIC S9(9)V99 Gross Prem Deferred for the benefit or rider\\n Gross Prem Deferred for the benefit or rider (Anything paid thru current period)\\n\\n1) Calculate Mode Premium, Deferred Months, Annualized Premium, and Monthly Premium\\n2) Calculate Deferred Premium from Deferred Months * Monthly Premium \\n Send value of Deferred Premium\\n \\n Delimiter 112 112 1 PIC X(1) \\n16 GROSS_PREM_ADVANCE 113 125 13 PIC S9(9)V99 Gross Prem Advance for the benefit or rider\\n Gross Prem Advance for the benefit or rider (What has been paid ahead of the billing period)\\n\\n1) Calculate Next Anniversary Date, Mode Premium - as of Next Anniversary Date, Monthly Premium, and Months of Advance Premium\\n2) Calculate Advance Premium from Monthly Premium * Months of Advance Premium\\n Send value of Advance Premium\\n \\n Delimiter 126 126 1 PIC X(1) \\n17 BILLING_MODE 127 127 1 PIC 9(1) Contains the billing mode for the policy\\n Premium Payment Mode/Frequency.\\n\\nExpected values:\\n1 = Annual\\n2 = Semiannual\\n3 = Quarterly\\n4 = Monthly\\n Policy Billing and Premium Payment Mode Mapped\\n Delimiter 128 128 1 PIC X(1) \\n18 PLAN_DESC_SEARCH_KEY 129 139 11 PIC X(11) Contains the key on which the policy becomes paid up. For renewable term policies, it is the key of the next renewal.\\n(6 digit Plan Code, plus 2 character option code)\\n The key on which the policy becomes \\npaid up. For renewable term policies, it is the key of the next renewal.\\n\\nExpected value: 6 digit Plan Code, plus 2 character option code\\n\\nFor CyberLife, Lincoln Benefit Life or Allstate Assurance companies, \\nFinancial Plan Code = Pseudo Plan Translation tab, Pseudo Short column (Column E) value and the policy issue date is between the Pseudo Plan Translation tab, IssueDateStart (Column F) and IssueDateEnd (Column G);\\nSend value from IssueDateStart (Column F) and IssueDateEnd (Column G)\\nOtherwise, plan code from LifeSys\\n \\nFor CyberLife, Allstate Life Ins Co, Surety Life Ins, or Allstate Co Lincoln companies, send plan code from LifeSys;\\n\\nFor Atlas, send plan code from LifeSys\\n \\n Delimiter 140 140 1 PIC X(1) \\n19 ReportingDate 141 148 8 PIC 9(8) The Month-End date (calendar date, not actual run date) for which the report is run, in YYYYMMDD format. The Month-End date (calendar date, not actual run date) for which the report is run, in YYYYMMDD format\\n\\nExample: If the report is run on the last business day of the month (12/30) but the last calendar date is 12/31, this value will be 12/31.\\n \\n Delimiter 149 149 1 PIC X(1) \\n20 OriginalAdminSystem 150 151 2 PIC X(2) Original Admin System at Allstate\\n EVL administration system based on the Everlake/Allstate Old Company Number.\""
},
{
"id": "c6fb40ed-d940-4c10-8211-d4fc70533cb9",
"text": "\"System Reference Manual \\n \\n \\n \\n\\u00a9 2023 NTT DATA, Inc. | Proprietary and Confidential | July 5, 2024 1507 \\n \\n \\n35. STOP BILL MTHD \\nThis contains a one-character value indicating the method used to discontinue billing. \\nValid values are: \\nblank Normal billing method (such as due date greater or equal than expiry \\ndate, policy canceled, etc.) \\n1 Premium received equals planned premium \\n \\n36. BEN CODE ACC \\nThis field contains a one-character value to indicate whether accident benefits are \\napplied to a given age or for a number of years. Valid values are: \\nA Benefit period is to a given age \\nY Benefit period is for a number of years \\nN Benefit period does not apply \\nM Benefit period is for a number of months \\n \\nThis value is required for New Business entry, regardless of FORM EDIT. This values \\napplies only to FORM EDIT \\u201c064\\u201d. \\n \\n37. BEN CODE SICK \\nThis field contains a one-character value to indicate whether sickness benefits are \\napplied to a given age or for a number of years. Valid values are: \\nA Benefit period is to a given age \\nD Benefit period is for a number of days \\nW Benefit period is for number of weeks \\nY Benefit period is for a number of years \\nN Benefit period does not apply \\nM Benefit period is for a number of months \\n \\nThis value is required for New Business entry, regardless of FORM EDIT. This values \\napplies only to FORM EDIT \\u201c064\\u201d. \\n \\n38. EXCHANGE OPT FREQ \\nThis value is the frequency in number of years that the term policy may be exchanged \\nfor a Whole Life policy. For example, if this value is \\u201c05\\u201d, every five years from the issue \\ndate (year five, year ten, year fifteen, etc), the policy may be exchanged.\"",
"file_name": "System Reference-General Maintenance.pdf",
"page_label": "339"
},
{
"id": "59d02c4d-2144-4e1f-b8e2-f90dbc8a93b7",
"text": "\"System Reference Manual \\n \\n \\n \\n\\u00a9 2023 NTT DATA, Inc. | Proprietary and Confidential | July 5, 2024 1507 \\n \\n \\n35. STOP BILL MTHD \\nThis contains a one-character value indicating the method used to discontinue billing. \\nValid values are: \\nblank Normal billing method (such as due date greater or equal than expiry \\ndate, policy canceled, etc.) \\n1 Premium received equals planned premium \\n \\n36. BEN CODE ACC \\nThis field contains a one-character value to indicate whether accident benefits are \\napplied to a given age or for a number of years. Valid values are: \\nA Benefit period is to a given age \\nY Benefit period is for a number of years \\nN Benefit period does not apply \\nM Benefit period is for a number of months \\n \\nThis value is required for New Business entry, regardless of FORM EDIT. This values \\napplies only to FORM EDIT \\u201c064\\u201d. \\n \\n37. BEN CODE SICK \\nThis field contains a one-character value to indicate whether sickness benefits are \\napplied to a given age or for a number of years. Valid values are: \\nA Benefit period is to a given age \\nD Benefit period is for a number of days \\nW Benefit period is for number of weeks \\nY Benefit period is for a number of years \\nN Benefit period does not apply \\nM Benefit period is for a number of months \\n \\nThis value is required for New Business entry, regardless of FORM EDIT. This values \\napplies only to FORM EDIT \\u201c064\\u201d. \\n \\n38. EXCHANGE OPT FREQ \\nThis value is the frequency in number of years that the term policy may be exchanged \\nfor a Whole Life policy. For example, if this value is \\u201c05\\u201d, every five years from the issue \\ndate (year five, year ten, year fifteen, etc), the policy may be exchanged.\"",
"file_name": "System Reference-LifeSys System Reference.pdf",
"page_label": "1507"
},
{
"id": "8ad39e1c-0cf6-478e-8ced-f174697fe296",
"text": "\"System Reference Manual \\n \\n \\n \\n\\u00a9 2023 NTT DATA, Inc. | Proprietary and Confidential | July 5, 2024 1506 \\n \\n \\n31. PL FEE MTHD \\nThis field defines the policy fee compare method to determine what amount to use as \\nthe policy fee when processing a Cost of Insurance transaction. \\nblank Use SBC \\u201c009\\u201d - policy fee premium \\n1 When no deposit has been received during the compare period, the policy \\nfee will be the less of excess interest earned or the policy fee (SBC \\n\\u201c009\\u201d). When a deposit has been received during the compare period, \\npolicy fee will be the SBC \\u201c009\\u201d premium. \\n 2 Deduct the policy fee (SBC 009 amount) from the net amount at risk prior \\nto calculating COI. \\n \\nFor value \\u201c1\\u201d, the compare period is defined as the COI deduction mode based on the \\ncurrent Cost of Insurance (COI) due date. \\n \\nIn order to use this feature, Item Code 119 must be setup. \\n \\n32. BEN PER ACC \\nThis field defines the maximum benefit period for accidents. This is a five-digit code for \\nmaximum number of years, months or specified age that policy has accident coverage. \\n \\nThis value is required for New Business entry, regardless of FORM EDIT. This values \\napplies only to FORM EDIT \\u201c064\\u201d. \\n \\n33. BEN PER SICK \\nThis field defines the maximum benefit period for sickness. This is a five-digit code for \\nmaximum number of years, months or specified age that policy has sickness coverage. \\n \\nThis value is required for New Business entry, regardless of FORM EDIT. This values \\napplies only to FORM EDIT \\u201c064\\u201d. \\n \\n34. MODEKEY \\nThis is an eight-position field identifying the set of modal factors to access during the \\ncalculation of modal premium amounts for this plan. The Mode Factors and calculation \\ncontrols are located on the Mode Factor Maintenance (92/2) screen. Valid values are: \\nblank Access the standard set of mode factors \\nany other value Access a specific set of mode factors This value can be up \\nto eight positions.\"",
"file_name": "System Reference-General Maintenance.pdf",
"page_label": "338"
},
{
"id": "66cb1667-84dd-4a2e-b5f7-f58be2575a82",
"text": "\"System Reference Manual \\n \\n \\n \\n\\u00a9 2023 NTT DATA, Inc. | Proprietary and Confidential | July 5, 2024 1506 \\n \\n \\n31. PL FEE MTHD \\nThis field defines the policy fee compare method to determine what amount to use as \\nthe policy fee when processing a Cost of Insurance transaction. \\nblank Use SBC \\u201c009\\u201d - policy fee premium \\n1 When no deposit has been received during the compare period, the policy \\nfee will be the less of excess interest earned or the policy fee (SBC \\n\\u201c009\\u201d). When a deposit has been received during the compare period, \\npolicy fee will be the SBC \\u201c009\\u201d premium. \\n 2 Deduct the policy fee (SBC 009 amount) from the net amount at risk prior \\nto calculating COI. \\n \\nFor value \\u201c1\\u201d, the compare period is defined as the COI deduction mode based on the \\ncurrent Cost of Insurance (COI) due date. \\n \\nIn order to use this feature, Item Code 119 must be setup. \\n \\n32. BEN PER ACC \\nThis field defines the maximum benefit period for accidents. This is a five-digit code for \\nmaximum number of years, months or specified age that policy has accident coverage. \\n \\nThis value is required for New Business entry, regardless of FORM EDIT. This values \\napplies only to FORM EDIT \\u201c064\\u201d. \\n \\n33. BEN PER SICK \\nThis field defines the maximum benefit period for sickness. This is a five-digit code for \\nmaximum number of years, months or specified age that policy has sickness coverage. \\n \\nThis value is required for New Business entry, regardless of FORM EDIT. This values \\napplies only to FORM EDIT \\u201c064\\u201d. \\n \\n34. MODEKEY \\nThis is an eight-position field identifying the set of modal factors to access during the \\ncalculation of modal premium amounts for this plan. The Mode Factors and calculation \\ncontrols are located on the Mode Factor Maintenance (92/2) screen. Valid values are: \\nblank Access the standard set of mode factors \\nany other value Access a specific set of mode factors This value can be up \\nto eight positions.\"",
"file_name": "System Reference-LifeSys System Reference.pdf",
"page_label": "1506"
},
{
"id": "3c237fc2-d160-46de-9c37-05cbc8c943bb",
"text": "\"System Reference Manual \\n \\n \\n \\n\\u00a9 2023 NTT DATA, Inc. | Proprietary and Confidential | July 5, 2024 1637 \\n \\n \\n11. KEY 2 \\n Factor 2 \\u2014 Same factors as KEY 1. \\n \\n12. KEY 3 \\n Factor 3 \\u2014 Same factors as KEY 1. \\n \\n13. KEY 4 \\n Factor 4 \\u2014 Same factors as KEY 1. \\n \\n14. KEY 5 \\n Factor 5 \\u2014 Same factors as KEY 1. \\n \\n15. BAS CODE \\n This field contains a two-digit code indicates what constitutes a unit of insurance, which \\nis used in the calculation of cash value and reserves. Valid values are: \\n 01 per policy (policy is one unit) \\n 02 per thousand dollars of face amount \\n 03 per hundred dollars of annual premium \\n 04 per dollar of annual premium \\n 05 Units equal Face divided by 1000; MR Factor equal 1. The MR amount \\nequals the sum of the basic premium and all SBC premiums in effect \\nmultiplied by the mode, divided by 24. It is equivalent to a half month\\u2019s \\ncost of insurance. \\n 06 Units equal the sum of the basic premium and all SBC premiums in effect, \\nmultiplied by the mode, divided by 100 MR amount equals the MR factor \\nmultiplied by units \\n 07 Units equal the SBC benefit amount divided by 1000. The MR amount \\nequals the MR factor multiplied by units. \\n 08 Units equal the basic premium plus the SBC premium amounts in effect, \\nmultiplied by the mode, divided by 100. The MR factor equals the SBC \\npremium for the SBC being reserved multiplied by the mode, divided by \\nthe units. The result is multiplied by the percentage in the factor file. The \\nMR amount equals the MR factor from the above calculation, multiplied \\nby the units. \\n 09 Units equal SBC benefit amount divided by 1000. The MR factor equals \\nthe SBC premium for the SBC being reserved multiplied by the mode, \\ndivided by units. The result is multiplied by the percentage in the factor \\nfile. The MR amount equals the MR factor from the above calculation, \\nmultiplied by the units. \\n 10 Original units. \\n 11 Units equal current death benefit divided by 1000.\"",
"file_name": "System Reference-General Maintenance.pdf",
"page_label": "469"
},
{
"id": "196cba6e-9025-46e1-aff1-3a29381c7dcf",
"text": "\"System Reference Manual \\n \\n \\n \\n\\u00a9 2023 NTT DATA, Inc. | Proprietary and Confidential | July 5, 2024 1637 \\n \\n \\n11. KEY 2 \\n Factor 2 \\u2014 Same factors as KEY 1. \\n \\n12. KEY 3 \\n Factor 3 \\u2014 Same factors as KEY 1. \\n \\n13. KEY 4 \\n Factor 4 \\u2014 Same factors as KEY 1. \\n \\n14. KEY 5 \\n Factor 5 \\u2014 Same factors as KEY 1. \\n \\n15. BAS CODE \\n This field contains a two-digit code indicates what constitutes a unit of insurance, which \\nis used in the calculation of cash value and reserves. Valid values are: \\n 01 per policy (policy is one unit) \\n 02 per thousand dollars of face amount \\n 03 per hundred dollars of annual premium \\n 04 per dollar of annual premium \\n 05 Units equal Face divided by 1000; MR Factor equal 1. The MR amount \\nequals the sum of the basic premium and all SBC premiums in effect \\nmultiplied by the mode, divided by 24. It is equivalent to a half month\\u2019s \\ncost of insurance. \\n 06 Units equal the sum of the basic premium and all SBC premiums in effect, \\nmultiplied by the mode, divided by 100 MR amount equals the MR factor \\nmultiplied by units \\n 07 Units equal the SBC benefit amount divided by 1000. The MR amount \\nequals the MR factor multiplied by units. \\n 08 Units equal the basic premium plus the SBC premium amounts in effect, \\nmultiplied by the mode, divided by 100. The MR factor equals the SBC \\npremium for the SBC being reserved multiplied by the mode, divided by \\nthe units. The result is multiplied by the percentage in the factor file. The \\nMR amount equals the MR factor from the above calculation, multiplied \\nby the units. \\n 09 Units equal SBC benefit amount divided by 1000. The MR factor equals \\nthe SBC premium for the SBC being reserved multiplied by the mode, \\ndivided by units. The result is multiplied by the percentage in the factor \\nfile. The MR amount equals the MR factor from the above calculation, \\nmultiplied by the units. \\n 10 Original units. \\n 11 Units equal current death benefit divided by 1000.\"",
"file_name": "System Reference-LifeSys System Reference.pdf",
"page_label": "1637"
},
{
"id": "5210bade-ede2-44e8-8545-71f3567bfb35",
"text": "\"Rulesets Manual \\n \\n \\n \\n\\u00a9 2022 NTT DATA, Inc. | Proprietary and Confidential | September 12, 2024 481 \\n \\n \\npayoff subtract cash surrender value. Then divide that number by 1 minus \\npremium load for the MAV as of grace entry. \\nThe second field defines XX in the formulas. This value must be a valid numeric value \\nthat indicates the number of months. \\nNOTE: PROCESSING OPTION 132 needs to be set when using values \\u201c6\\u201d or \\u201c7\\u201d for full \\nfunctionality. \\n \\nCALCULATION TYPE \\nThe CALCULATION TYPE field indicates how the face amount will be adjusted in \\nExtended Term Insurance (ETI) calculations. Valid values are: \\n01 Face amount will not be adjusted \\n02 Face amount reduced by the amount of any outstanding loans and loan \\ninterest \\n03 Face amount will be adjusted by the amount of outstanding loans, loan \\ninterest and dividend accumulations \\n04 Face amount will be increased by the amount of any dividend \\naccumulations \\n05 Face amount will be adjusted by the amount of any outstanding loans, \\nloan interest, dividend accumulations, CAPE and paid up additions \\n06 Current death benefit amount will be adjusted by the amount of any \\noutstanding loans, loan interest, dividend accumulation, CAPE and paid \\nup additions and will be used in place of face amount \\n \\nCALC OPTIONS \\nETI \\nThis field contains a two-position code controlling the calculation of the Extended Term \\nperiod. This field is not required. Valid values are: \\n01 Period calculated using Mortality & Death factors for attained age \\n02 Period calculated by interpolation \\n \\nRPU \\nThis field contains a two-position code controlling the calculation of Reduced Paid Up \\n(RPU) face amount. Valid values are: \\n01 Use standard RPU face amount calculation and rounding process (Net \\ncash value/((M value at attained age/D value at attained age) + ((dur \\nmonths/12) * ((M value at new attained age/D value at new attained age) \\n\\u2013 (M value at attained age/D value at attained age)))) \\n02 Use standard RPU face amount calculation (from above); then divide by \\nthe units, round up to the next whole dollar and multiply by the units to \\ndetermine the RPU face amount\"",
"file_name": "Rulesets Manual.pdf",
"page_label": "481"
},
{
"id": "c7ad8a5a-2cc5-4053-bca0-f018bdc7ce94",
"text": "\"The calculation of units is done via programs LSNAD261\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007and LSNAD254, utilizing the BASIS code on the Plan File 300 screens (the specific screen depends on policy status). When the calculation errors, or when this field is Y and the policy status is not blank, R, Y, P or X, the face amount displayed on the Policy Maintenance (21/2) screen and used in death benefit calculations is obtained from field LM-FACE, and the message face shown is original is displayed on the Policy Maintenance (21/2) screen. When this field is blank or N, the face amount displayed on the Policy Maintenance (21/2) screen and used in death benefit calculations is obtained from field LM-FACE and no message is displayed on the Policy Maintenance (21/2) screen.\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u000719.\\u0007PR-MODE-PREM\\rMode premium flag. Valid values are:\\r\\\"N\\\" - do not calculate mode premiums\\r\\\"Y\\\" - calculate mode premiums\\rThis field must be N for all UL plans and for plan types 101 - 199.\\u0007x.\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u000720.\\u0007PR-FLEX-BILL\\rFlexible billing flag. Valid values are:\\rblank or \\\"N\\\" - do not allow flexible billing\\r\\\"P\\\" - flexible billing is allowed and planned premium paid to date is required. Only valid for vanishing premium insurance types.\\rS - billing not applicable. Only valid for single premium products.\\r\\\"Y\\\" - allow flexible billing\\u0007X.\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u000721.\\u0007PR-TAXATION\\rContract / rider taxation flag. Valid values are:\\r\\\"C\\\" - taxed at contract level\\r\\\"R\\\" - rider is taxed separately\\u0007X.\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u000722.\\u0007PR-ANN-DB-CALC-METHOD\\rIndicator designating how to calculate death benefits on annuities. Must be blank when PR-INS1 is not A. When PR-INS1 is A, valid values are:\\rBlank death benefit is greater of gross deposits less gross withdrawals, or the fund as of the last ICD.\\r1 death benefit is the face amount\\rNOTE: This field is overridden by the Death Benefit Option on the DTH Ruleset when the option is set to 03. This amount will then equal the net surrender value.\\u0007X.\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u000723.\\u0007PR-CHK-DATE-IND\\rIndicator that designates if the system effective date or accounting date will be used for those checks generated for policies under the indicated plan. Valid values are:\\rBlank default, designates the accounting date will be used for all checks\\rE designates that the effective date will be used for all checks\\u0007X.\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u000724.\\u0007PR-MODE KEY\\rThe set of modal factors to access when calculating mode premiums for this plan. Mode factors and calculation controls are located in the System Reference file, and on the Mode Factor Maintenance (92/2) screen. Valid values are:\\rblank - access the standard set of mode factors\\ranything else - access this specific set of mode factors\\u0007X(8).\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u000725.\\u0007PR-COMM-CHARGEBACK-METHOD\\rTwo-digit code indicating the method in which commissions are to be reversed or charged back to the agent when a policy is surrendered, lapsed or a death claim is made during the first policy year. Valid values are:\\rblank - commission will not be reversed\\r01 - 100% commission reversed during the first six months, pro-rated during the second six months\\r02 - the commission reversal is pro-rated during the first year\\r03 - 100% commission reversal during the first year\\r04 - for lapses and surrenders, the commission reversal is pro-rated during the first year. For deaths, 100% commission reversal during the first year.\\u00079(2).\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u000726.\\u0007PR-RERATE-MTHD\\rMethod of calculating rerate date.\\rblank - rerate frequency is added to current rerate year to get next rerate date - based from issue date\\r2 - due date on or after birthdate or next anniversary, whichever is less\\r3 - used for group billing (LM-PC-05). Uses rerate date for employer ID. One year guarantee period exists. Policies less than one year will not change premiums.\\r4 - used to recalculate policy premium or face amount to comply with what the policys fund value should be for a particular duration.\""
},
{
"id": "18180546-fb04-4eab-b811-482ddb9ef34d",
"text": "\"The record key consists of fields one through six (18 bytes).\\rMaximum number of records: unlimited. This record is maintained on the 92/2 Screen, program NBS093.\\r\\r1.\\u0007CO-01\\rCompany number.\\u0007X(2).\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u00072.\\u0007PARM-01\\rRecord type. Must be \\\"01\\\".\\u00079(2).\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u00073.\\u0007MODEKEY-01.\\rMust contain a valid plan and plan option, or all spaces.\\u0007X(8).\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u00074.\\u0007METHOD-01\\rPayment method code. Valid values are:\\r\\\"01\\\" - notice billing\\r\\\"02\\\" - draft/EFT\\r\\\"03\\\" - post-dated checks\\r\\\"04\\\" - deposit funds\\r\\\"05\\\" - group billing\\r\\\"06\\\" - ROP\\r\\\"07\\\" - cash action\\r\\\"08\\\"- waiver of premium, temporary\\r\\\"09\\\" - waiver of premium, permanent\\r\\\"10\\\" - payer death waiver\\r\\\"11\\\" - monthly packet\\r\\\"12\\\" - permanent APL\\u0007X(2).\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u00075.\\u0007MODE-01\\rPayment mode code. Valid values are:\\r\\\"01\\\" - annual\\r\\\"02\\\" - semi-annual\\r\\\"04\\\" - quarterly\\r\\\"10\\\" - every 37 days for odd months, 36 days for even months\\u0007X(2).\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\\"12\\\" - monthly\\r\\\"13\\\" - every four weeks\\r\\\"20\\\" - every 18 days\\r\\\"21\\\" - every 18 days for odd months, every 17 days for even months\\r\\\"24\\\" - twice a month\\r\\\"26\\\" - every two weeks\\r\\\"52\\\" - every seven days\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u00076.\\u0007Reserved.\\u0007X(2).\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u00077.\\u0007MIN-PREM-01\\rMinimum acceptable modal premium for method and mode. Valid values are \\\"000\\\" through \\\"999\\\" inclusive.\\u00079(3).\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u00078.\\u0007FACTOR-01\\rMethod / mode loading factor to apply against annual premium. Valid values are \\\"0.0000\\\" through \\\"9.9999\\\" inclusive.\\u00079V9(4).\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u00079.\\u0007FACTOR-ANNZ-01\\rMethod / mode no-load factor to apply against annual premium. Valid values are \\\"00.00\\\" through \\\"99.99\\\" inclusive.\\u000799V99.\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u000710.\\u0007DESC-01\\rMethod / mode description.\\u0007X(30).\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u000711.\\u0007PERIOD-01\\rMethod / mode period in months. Valid values are \\\"000\\\" through \\\"999\\\" inclusive.\\u00079(3) C3.\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u000712.\\u0007ORDER-OPT-01\\rOrder options. Three occurrences of X each. Each occurrence is defined below.\\r\\r1 - PAC sticker delivery instruction. Valid values are:\\r\\\"1\\\" - not required\\r\\\"2\\\" - required\\r\\r2 - PDC one year supply delivery requirement. Valid values are:\\r\\\"1\\\" - not required\\r\\\"2\\\" - required\\r\\r3 - modal / annual premium calculations and rounding (mode rules). Valid values are:\\r\\\"1\\\" - default. Use .009 in annual premium calculation and .009 in mode premium calculation. Mode premium = (((((unit or face amount) * (annual premium rate) / (unit or face amount per unit value)) + .009 annual mode rounding) + policy fees and expenses) * mode factor) + .009 mode rounding.\\u0007X.\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007 \\u0007Note: The mode premium may vary depending on if face amount or unit data is used. Also, if the mode factor is not loaded (mode factor without fees) division by mode factor should occur, instead of multiplication by mode factor, in the formulas above.\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\\"2\\\" - use .009 for annual and .005 for mode premium.\""
},
{
"id": "9c451d86-e609-4962-877b-e4d406c76068",
"text": "\"System Reference Manual \\n \\n \\n \\n\\u00a9 2023 NTT DATA, Inc. | Proprietary and Confidential | July 5, 2024 1573 \\n \\n \\n14. DESIGNATED AMT \\n Seven position numeric additional amount to be used in the death benefit calculation (for \\ndeath benefit option 1). The death benefit equals the larger of face or (fund + designated \\namt). \\n \\nNOTE: See Policy Maintenance (21/7) Screen, Universal Life Face Amount Maintenance, field \\nCURR OPT for specific calculation. \\n \\n15. COI TIMING METHOD \\n This field indicates if the system should allow COI to be deducted at the end of the policy \\nmonth or year instead of on the COI due date. \\n 1 deduct COI on the COI due date \\n 2 delay COI deduction until the end of the policy month when the COI mode \\nis monthly, or the end of the policy year when the COI mode is annual \\n \\nNOTE: This control may only be \\u201c2\\u201d when COI DEDUCTION MODE is \\u201c2\\u201d or \\u201c5\\u201d, and COI \\nCALCULATE MODE is \\u201c0\\u201d, \\u201c1\\u201d or \\u201c12\\u201d. \\n \\n16. GDLN RECALC MTHD \\nThis field will indicate the recalculation method to be used when a policy change occurs. \\nValid values are: \\n001 Not applicable \\n002 Recalculate guideline premium using LifeSys method \\n003 Recalculate guideline premium using Dole-Bentsen method \\n \\n17. ASSUMED PREMIUM \\nThis field indicates if assumed premium is allowed and the formula to calculate assumed \\npremium. \\n 1 do not allow \\n 2 allow amount of assumed deposits = (sum of current SBC prems + basic \\nprem) * mode \\n 3 allow amount of assumed deposit = lap + prem of COI SBC\\u2019s \\n \\nThis control may only be \\u201c2\\u201d or \\u201c3\\u201d when COI DEDUCTION MTHD is \\u201c2\\u201d. \\n \\n18. CVAT/CORR METHOD \\nOne position code controlling which factor to use in the calculation of the Death Benefit \\nAmount and NAR which is associated with the COI calculation. When GUIDELINE \\nPREM CALC is \\u201c2\\u201d, this field must be a value of \\u201c1\\u201d. \\n1 Use CVAT factors if they exist for Death Benefit Amount and NAR.\"",
"file_name": "System Reference-General Maintenance.pdf",
"page_label": "405"
},
{
"id": "b335b726-1a7e-4954-a5f8-afa068398c9f",
"text": "\"System Reference Manual \\n \\n \\n \\n\\u00a9 2023 NTT DATA, Inc. | Proprietary and Confidential | July 5, 2024 1573 \\n \\n \\n14. DESIGNATED AMT \\n Seven position numeric additional amount to be used in the death benefit calculation (for \\ndeath benefit option 1). The death benefit equals the larger of face or (fund + designated \\namt). \\n \\nNOTE: See Policy Maintenance (21/7) Screen, Universal Life Face Amount Maintenance, field \\nCURR OPT for specific calculation. \\n \\n15. COI TIMING METHOD \\n This field indicates if the system should allow COI to be deducted at the end of the policy \\nmonth or year instead of on the COI due date. \\n 1 deduct COI on the COI due date \\n 2 delay COI deduction until the end of the policy month when the COI mode \\nis monthly, or the end of the policy year when the COI mode is annual \\n \\nNOTE: This control may only be \\u201c2\\u201d when COI DEDUCTION MODE is \\u201c2\\u201d or \\u201c5\\u201d, and COI \\nCALCULATE MODE is \\u201c0\\u201d, \\u201c1\\u201d or \\u201c12\\u201d. \\n \\n16. GDLN RECALC MTHD \\nThis field will indicate the recalculation method to be used when a policy change occurs. \\nValid values are: \\n001 Not applicable \\n002 Recalculate guideline premium using LifeSys method \\n003 Recalculate guideline premium using Dole-Bentsen method \\n \\n17. ASSUMED PREMIUM \\nThis field indicates if assumed premium is allowed and the formula to calculate assumed \\npremium. \\n 1 do not allow \\n 2 allow amount of assumed deposits = (sum of current SBC prems + basic \\nprem) * mode \\n 3 allow amount of assumed deposit = lap + prem of COI SBC\\u2019s \\n \\nThis control may only be \\u201c2\\u201d or \\u201c3\\u201d when COI DEDUCTION MTHD is \\u201c2\\u201d. \\n \\n18. CVAT/CORR METHOD \\nOne position code controlling which factor to use in the calculation of the Death Benefit \\nAmount and NAR which is associated with the COI calculation. When GUIDELINE \\nPREM CALC is \\u201c2\\u201d, this field must be a value of \\u201c1\\u201d. \\n1 Use CVAT factors if they exist for Death Benefit Amount and NAR.\"",
"file_name": "System Reference-LifeSys System Reference.pdf",
"page_label": "1573"
},
{
"id": "b7a9381a-e83c-4c17-88b3-8211370d0caf",
"text": "\"Coverage Issue date\\n\\nThe extract file can send multiple records for riders and base coverage. \\nIf the record being sent is a rider, then send issue date for the rider. If the record sent is the base coverage, then send the issue date of the base coverage.\\n Policy Insured Information Policy Issue State Mapped\\n Delimiter 57 57 1 PIC X(1) \\n12 NUMBER_OF_UNITS 58 73 16 PIC 9(12).999 Number of Units for the benefit or rider Number of Units in Policy.\\n\\nSend result of 21/2: FACE / Field ID 13\\n Divided by 1000 Policy Policy Values Face Amount Mapped\\n Delimiter 74 74 1 PIC X(1) \\n13 VALUE_PER_UNIT 75 87 13 PIC 9(10).99 Value per Unit for the benefit or rider Value per Unit.\\n\\nIF plan has VARYING DB=Y then compute value with this formula (AD761-FACE * PRMFACT-AMT-PL) / LM-FACE) Else Send result of LM-FACE / VALUE_PER_UNIT (Field ID 13)\\n \\n Delimiter 88 88 1 PIC X(1) \\n14 GROSS_PREM_DUE 89 97 9 S9(9)V99 Gross Prem Due for the benefit or rider \\n Gross Prem Due for the benefit or rider (Anything past due)\\n\\n1) Calculate Mode Premium, Annualized Premium, Monthly Premium, and Months Due\\n2) Calculate Due Premium from Months Due * Monthly Premium\\n Send value of Due Premium\\n \\n Delimiter 98 98 1 PIC X(1) \\n15 GROSS_PREM_DEFERRED 99 111 13 PIC S9(9)V99 Gross Prem Deferred for the benefit or rider\\n Gross Prem Deferred for the benefit or rider (Anything paid thru current period)\\n\\n1) Calculate Mode Premium, Deferred Months, Annualized Premium, and Monthly Premium\\n2) Calculate Deferred Premium from Deferred Months * Monthly Premium \\n Send value of Deferred Premium\\n \\n Delimiter 112 112 1 PIC X(1) \\n16 GROSS_PREM_ADVANCE 113 125 13 PIC S9(9)V99 Gross Prem Advance for the benefit or rider\\n Gross Prem Advance for the benefit or rider (What has been paid ahead of the billing period)\\n\\n1) Calculate Next Anniversary Date, Mode Premium - as of Next Anniversary Date, Monthly Premium, and Months of Advance Premium\\n2) Calculate Advance Premium from Monthly Premium * Months of Advance Premium\\n Send value of Advance Premium\\n \\n Delimiter 126 126 1 PIC X(1) \\n17 BILLING_MODE 127 127 1 PIC 9(1) Contains the billing mode for the policy\\n Premium Payment Mode/Frequency.\\n\\nExpected values:\\n1 = Annual\\n2 = Semiannual\\n3 = Quarterly\\n4 = Monthly\\n Policy Billing and Premium Payment Mode Mapped\\n Delimiter 128 128 1 PIC X(1) \\n18 PLAN_DESC_SEARCH_KEY 129 139 11 PIC X(11) Contains the key on which the policy becomes paid up. For renewable term policies, it is the key of the next renewal.\\n(6 digit Plan Code, plus 2 character option code)\\n The key on which the policy becomes \\npaid up. For renewable term policies, it is the key of the next renewal.\\n\\nExpected value: 6 digit Plan Code, plus 2 character option code\\n\\nFor CyberLife, Lincoln Benefit Life or Allstate Assurance companies, \\nFinancial Plan Code = Pseudo Plan Translation tab, Pseudo Short column (Column E) value and the policy issue date is between the Pseudo Plan Translation tab, IssueDateStart (Column F) and IssueDateEnd (Column G);\\nSend value from IssueDateStart (Column F) and IssueDateEnd (Column G)\\nOtherwise, plan code from LifeSys\\n \\nFor CyberLife, Allstate Life Ins Co, Surety Life Ins, or Allstate Co Lincoln companies, send plan code from LifeSys;\\n\\nFor Atlas, send plan code from LifeSys\\n \\n Delimiter 140 140 1 PIC X(1) \\n19 ReportingDate 141 148 8 PIC 9(8) The Month-End date (calendar date, not actual run date) for which the report is run, in YYYYMMDD format. The Month-End date (calendar date, not actual run date) for which the report is run, in YYYYMMDD format\\n\\nExample: If the report is run on the last business day of the month (12/30) but the last calendar date is 12/31, this value will be 12/31.\\n \\n Delimiter 149 149 1 PIC X(1) \\n20 OriginalAdminSystem 150 151 2 PIC X(2) Original Admin System at Allstate\\n EVL administration system based on the Everlake/Allstate Old Company Number.\""
},
{
"id": "3c237fc2-d160-46de-9c37-05cbc8c943bb",
"text": "\"System Reference Manual \\n \\n \\n \\n\\u00a9 2023 NTT DATA, Inc. | Proprietary and Confidential | July 5, 2024 1637 \\n \\n \\n11. KEY 2 \\n Factor 2 \\u2014 Same factors as KEY 1. \\n \\n12. KEY 3 \\n Factor 3 \\u2014 Same factors as KEY 1. \\n \\n13. KEY 4 \\n Factor 4 \\u2014 Same factors as KEY 1. \\n \\n14. KEY 5 \\n Factor 5 \\u2014 Same factors as KEY 1. \\n \\n15. BAS CODE \\n This field contains a two-digit code indicates what constitutes a unit of insurance, which \\nis used in the calculation of cash value and reserves. Valid values are: \\n 01 per policy (policy is one unit) \\n 02 per thousand dollars of face amount \\n 03 per hundred dollars of annual premium \\n 04 per dollar of annual premium \\n 05 Units equal Face divided by 1000; MR Factor equal 1. The MR amount \\nequals the sum of the basic premium and all SBC premiums in effect \\nmultiplied by the mode, divided by 24. It is equivalent to a half month\\u2019s \\ncost of insurance. \\n 06 Units equal the sum of the basic premium and all SBC premiums in effect, \\nmultiplied by the mode, divided by 100 MR amount equals the MR factor \\nmultiplied by units \\n 07 Units equal the SBC benefit amount divided by 1000. The MR amount \\nequals the MR factor multiplied by units. \\n 08 Units equal the basic premium plus the SBC premium amounts in effect, \\nmultiplied by the mode, divided by 100. The MR factor equals the SBC \\npremium for the SBC being reserved multiplied by the mode, divided by \\nthe units. The result is multiplied by the percentage in the factor file. The \\nMR amount equals the MR factor from the above calculation, multiplied \\nby the units. \\n 09 Units equal SBC benefit amount divided by 1000. The MR factor equals \\nthe SBC premium for the SBC being reserved multiplied by the mode, \\ndivided by units. The result is multiplied by the percentage in the factor \\nfile. The MR amount equals the MR factor from the above calculation, \\nmultiplied by the units. \\n 10 Original units. \\n 11 Units equal current death benefit divided by 1000.\"",
"file_name": "System Reference-General Maintenance.pdf",
"page_label": "469"
},
{
"id": "196cba6e-9025-46e1-aff1-3a29381c7dcf",
"text": "\"System Reference Manual \\n \\n \\n \\n\\u00a9 2023 NTT DATA, Inc. | Proprietary and Confidential | July 5, 2024 1637 \\n \\n \\n11. KEY 2 \\n Factor 2 \\u2014 Same factors as KEY 1. \\n \\n12. KEY 3 \\n Factor 3 \\u2014 Same factors as KEY 1. \\n \\n13. KEY 4 \\n Factor 4 \\u2014 Same factors as KEY 1. \\n \\n14. KEY 5 \\n Factor 5 \\u2014 Same factors as KEY 1. \\n \\n15. BAS CODE \\n This field contains a two-digit code indicates what constitutes a unit of insurance, which \\nis used in the calculation of cash value and reserves. Valid values are: \\n 01 per policy (policy is one unit) \\n 02 per thousand dollars of face amount \\n 03 per hundred dollars of annual premium \\n 04 per dollar of annual premium \\n 05 Units equal Face divided by 1000; MR Factor equal 1. The MR amount \\nequals the sum of the basic premium and all SBC premiums in effect \\nmultiplied by the mode, divided by 24. It is equivalent to a half month\\u2019s \\ncost of insurance. \\n 06 Units equal the sum of the basic premium and all SBC premiums in effect, \\nmultiplied by the mode, divided by 100 MR amount equals the MR factor \\nmultiplied by units \\n 07 Units equal the SBC benefit amount divided by 1000. The MR amount \\nequals the MR factor multiplied by units. \\n 08 Units equal the basic premium plus the SBC premium amounts in effect, \\nmultiplied by the mode, divided by 100. The MR factor equals the SBC \\npremium for the SBC being reserved multiplied by the mode, divided by \\nthe units. The result is multiplied by the percentage in the factor file. The \\nMR amount equals the MR factor from the above calculation, multiplied \\nby the units. \\n 09 Units equal SBC benefit amount divided by 1000. The MR factor equals \\nthe SBC premium for the SBC being reserved multiplied by the mode, \\ndivided by units. The result is multiplied by the percentage in the factor \\nfile. The MR amount equals the MR factor from the above calculation, \\nmultiplied by the units. \\n 10 Original units. \\n 11 Units equal current death benefit divided by 1000.\"",
"file_name": "System Reference-LifeSys System Reference.pdf",
"page_label": "1637"
},
{
"id": "8ad39e1c-0cf6-478e-8ced-f174697fe296",
"text": "\"System Reference Manual \\n \\n \\n \\n\\u00a9 2023 NTT DATA, Inc. | Proprietary and Confidential | July 5, 2024 1506 \\n \\n \\n31. PL FEE MTHD \\nThis field defines the policy fee compare method to determine what amount to use as \\nthe policy fee when processing a Cost of Insurance transaction. \\nblank Use SBC \\u201c009\\u201d - policy fee premium \\n1 When no deposit has been received during the compare period, the policy \\nfee will be the less of excess interest earned or the policy fee (SBC \\n\\u201c009\\u201d). When a deposit has been received during the compare period, \\npolicy fee will be the SBC \\u201c009\\u201d premium. \\n 2 Deduct the policy fee (SBC 009 amount) from the net amount at risk prior \\nto calculating COI. \\n \\nFor value \\u201c1\\u201d, the compare period is defined as the COI deduction mode based on the \\ncurrent Cost of Insurance (COI) due date. \\n \\nIn order to use this feature, Item Code 119 must be setup. \\n \\n32. BEN PER ACC \\nThis field defines the maximum benefit period for accidents. This is a five-digit code for \\nmaximum number of years, months or specified age that policy has accident coverage. \\n \\nThis value is required for New Business entry, regardless of FORM EDIT. This values \\napplies only to FORM EDIT \\u201c064\\u201d. \\n \\n33. BEN PER SICK \\nThis field defines the maximum benefit period for sickness. This is a five-digit code for \\nmaximum number of years, months or specified age that policy has sickness coverage. \\n \\nThis value is required for New Business entry, regardless of FORM EDIT. This values \\napplies only to FORM EDIT \\u201c064\\u201d. \\n \\n34. MODEKEY \\nThis is an eight-position field identifying the set of modal factors to access during the \\ncalculation of modal premium amounts for this plan. The Mode Factors and calculation \\ncontrols are located on the Mode Factor Maintenance (92/2) screen. Valid values are: \\nblank Access the standard set of mode factors \\nany other value Access a specific set of mode factors This value can be up \\nto eight positions.\"",
"file_name": "System Reference-General Maintenance.pdf",
"page_label": "338"
},
{
"id": "66cb1667-84dd-4a2e-b5f7-f58be2575a82",
"text": "\"System Reference Manual \\n \\n \\n \\n\\u00a9 2023 NTT DATA, Inc. | Proprietary and Confidential | July 5, 2024 1506 \\n \\n \\n31. PL FEE MTHD \\nThis field defines the policy fee compare method to determine what amount to use as \\nthe policy fee when processing a Cost of Insurance transaction. \\nblank Use SBC \\u201c009\\u201d - policy fee premium \\n1 When no deposit has been received during the compare period, the policy \\nfee will be the less of excess interest earned or the policy fee (SBC \\n\\u201c009\\u201d). When a deposit has been received during the compare period, \\npolicy fee will be the SBC \\u201c009\\u201d premium. \\n 2 Deduct the policy fee (SBC 009 amount) from the net amount at risk prior \\nto calculating COI. \\n \\nFor value \\u201c1\\u201d, the compare period is defined as the COI deduction mode based on the \\ncurrent Cost of Insurance (COI) due date. \\n \\nIn order to use this feature, Item Code 119 must be setup. \\n \\n32. BEN PER ACC \\nThis field defines the maximum benefit period for accidents. This is a five-digit code for \\nmaximum number of years, months or specified age that policy has accident coverage. \\n \\nThis value is required for New Business entry, regardless of FORM EDIT. This values \\napplies only to FORM EDIT \\u201c064\\u201d. \\n \\n33. BEN PER SICK \\nThis field defines the maximum benefit period for sickness. This is a five-digit code for \\nmaximum number of years, months or specified age that policy has sickness coverage. \\n \\nThis value is required for New Business entry, regardless of FORM EDIT. This values \\napplies only to FORM EDIT \\u201c064\\u201d. \\n \\n34. MODEKEY \\nThis is an eight-position field identifying the set of modal factors to access during the \\ncalculation of modal premium amounts for this plan. The Mode Factors and calculation \\ncontrols are located on the Mode Factor Maintenance (92/2) screen. Valid values are: \\nblank Access the standard set of mode factors \\nany other value Access a specific set of mode factors This value can be up \\nto eight positions.\"",
"file_name": "System Reference-LifeSys System Reference.pdf",
"page_label": "1506"
},
{
"id": "5210bade-ede2-44e8-8545-71f3567bfb35",
"text": "\"Rulesets Manual \\n \\n \\n \\n\\u00a9 2022 NTT DATA, Inc. | Proprietary and Confidential | September 12, 2024 481 \\n \\n \\npayoff subtract cash surrender value. Then divide that number by 1 minus \\npremium load for the MAV as of grace entry. \\nThe second field defines XX in the formulas. This value must be a valid numeric value \\nthat indicates the number of months. \\nNOTE: PROCESSING OPTION 132 needs to be set when using values \\u201c6\\u201d or \\u201c7\\u201d for full \\nfunctionality. \\n \\nCALCULATION TYPE \\nThe CALCULATION TYPE field indicates how the face amount will be adjusted in \\nExtended Term Insurance (ETI) calculations. Valid values are: \\n01 Face amount will not be adjusted \\n02 Face amount reduced by the amount of any outstanding loans and loan \\ninterest \\n03 Face amount will be adjusted by the amount of outstanding loans, loan \\ninterest and dividend accumulations \\n04 Face amount will be increased by the amount of any dividend \\naccumulations \\n05 Face amount will be adjusted by the amount of any outstanding loans, \\nloan interest, dividend accumulations, CAPE and paid up additions \\n06 Current death benefit amount will be adjusted by the amount of any \\noutstanding loans, loan interest, dividend accumulation, CAPE and paid \\nup additions and will be used in place of face amount \\n \\nCALC OPTIONS \\nETI \\nThis field contains a two-position code controlling the calculation of the Extended Term \\nperiod. This field is not required. Valid values are: \\n01 Period calculated using Mortality & Death factors for attained age \\n02 Period calculated by interpolation \\n \\nRPU \\nThis field contains a two-position code controlling the calculation of Reduced Paid Up \\n(RPU) face amount. Valid values are: \\n01 Use standard RPU face amount calculation and rounding process (Net \\ncash value/((M value at attained age/D value at attained age) + ((dur \\nmonths/12) * ((M value at new attained age/D value at new attained age) \\n\\u2013 (M value at attained age/D value at attained age)))) \\n02 Use standard RPU face amount calculation (from above); then divide by \\nthe units, round up to the next whole dollar and multiply by the units to \\ndetermine the RPU face amount\"",
"file_name": "Rulesets Manual.pdf",
"page_label": "481"
},
{
"id": "c7ad8a5a-2cc5-4053-bca0-f018bdc7ce94",
"text": "\"The calculation of units is done via programs LSNAD261\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007and LSNAD254, utilizing the BASIS code on the Plan File 300 screens (the specific screen depends on policy status). When the calculation errors, or when this field is Y and the policy status is not blank, R, Y, P or X, the face amount displayed on the Policy Maintenance (21/2) screen and used in death benefit calculations is obtained from field LM-FACE, and the message face shown is original is displayed on the Policy Maintenance (21/2) screen. When this field is blank or N, the face amount displayed on the Policy Maintenance (21/2) screen and used in death benefit calculations is obtained from field LM-FACE and no message is displayed on the Policy Maintenance (21/2) screen.\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u000719.\\u0007PR-MODE-PREM\\rMode premium flag. Valid values are:\\r\\\"N\\\" - do not calculate mode premiums\\r\\\"Y\\\" - calculate mode premiums\\rThis field must be N for all UL plans and for plan types 101 - 199.\\u0007x.\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u000720.\\u0007PR-FLEX-BILL\\rFlexible billing flag. Valid values are:\\rblank or \\\"N\\\" - do not allow flexible billing\\r\\\"P\\\" - flexible billing is allowed and planned premium paid to date is required. Only valid for vanishing premium insurance types.\\rS - billing not applicable. Only valid for single premium products.\\r\\\"Y\\\" - allow flexible billing\\u0007X.\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u000721.\\u0007PR-TAXATION\\rContract / rider taxation flag. Valid values are:\\r\\\"C\\\" - taxed at contract level\\r\\\"R\\\" - rider is taxed separately\\u0007X.\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u000722.\\u0007PR-ANN-DB-CALC-METHOD\\rIndicator designating how to calculate death benefits on annuities. Must be blank when PR-INS1 is not A. When PR-INS1 is A, valid values are:\\rBlank death benefit is greater of gross deposits less gross withdrawals, or the fund as of the last ICD.\\r1 death benefit is the face amount\\rNOTE: This field is overridden by the Death Benefit Option on the DTH Ruleset when the option is set to 03. This amount will then equal the net surrender value.\\u0007X.\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u000723.\\u0007PR-CHK-DATE-IND\\rIndicator that designates if the system effective date or accounting date will be used for those checks generated for policies under the indicated plan. Valid values are:\\rBlank default, designates the accounting date will be used for all checks\\rE designates that the effective date will be used for all checks\\u0007X.\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u000724.\\u0007PR-MODE KEY\\rThe set of modal factors to access when calculating mode premiums for this plan. Mode factors and calculation controls are located in the System Reference file, and on the Mode Factor Maintenance (92/2) screen. Valid values are:\\rblank - access the standard set of mode factors\\ranything else - access this specific set of mode factors\\u0007X(8).\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u000725.\\u0007PR-COMM-CHARGEBACK-METHOD\\rTwo-digit code indicating the method in which commissions are to be reversed or charged back to the agent when a policy is surrendered, lapsed or a death claim is made during the first policy year. Valid values are:\\rblank - commission will not be reversed\\r01 - 100% commission reversed during the first six months, pro-rated during the second six months\\r02 - the commission reversal is pro-rated during the first year\\r03 - 100% commission reversal during the first year\\r04 - for lapses and surrenders, the commission reversal is pro-rated during the first year. For deaths, 100% commission reversal during the first year.\\u00079(2).\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u000726.\\u0007PR-RERATE-MTHD\\rMethod of calculating rerate date.\\rblank - rerate frequency is added to current rerate year to get next rerate date - based from issue date\\r2 - due date on or after birthdate or next anniversary, whichever is less\\r3 - used for group billing (LM-PC-05). Uses rerate date for employer ID. One year guarantee period exists. Policies less than one year will not change premiums.\\r4 - used to recalculate policy premium or face amount to comply with what the policys fund value should be for a particular duration.\""
},
{
"id": "b47bd655-dca3-4f33-b71f-32994417c858",
"text": "\"Valid values are:\\r\\\"001\\\" - required\\r\\\"002\\\"- not required\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u000711 - rated or declined question code. Valid values are:\\r\\\"001\\\" - required\\r\\\"002\\\" - not required\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u000712 - hazardous activity question code. Valid values are:\\r\\\"001\\\" - required\\r\\\"002\\\" - not required\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u000713 - aviation activity question code. Valid values are:\\r\\\"001\\\" - required\\r\\\"002\\\" - not required\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u000714 - underwriting class question code. Valid values are:\\r\\\"001\\\" - required\\r\\\"002\\\" - not required\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u000715 - Currently not in use. Must be 001.\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u000716 - occupational risk code. Valid values are:\\r\\\"001\\\" - required\\r\\\"002\\\" - not required\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u000717 - occupation class code. Valid values are:\\r\\\"001\\\" - required\\r\\\"002\\\" - not required\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u000718 - occupation type code. Valid values are:\\r\\\"001\\\" - required\\r\\\"002\\\" - not required\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u000719 - accident benefit period and rule code. Valid values are:\\r\\\"001\\\" - required\\r\\\"002\\\" - not required at time of data entry\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u000720 - sickness benefit period and rule code. Valid values are:\\r\\\"001\\\" - required\\r\\\"002\\\" - not required at time of data entry\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u000721 - accident elimination period code. Valid values are:\\r\\\"001\\\"- required\\r\\\"002\\\" - not required\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u000722 - sickness elimination period code. Valid values are:\\r\\\"001\\\" - required\\r\\\"002\\\" - not required\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u000723 - first coverage amount compare code, indicating whether or not to compare the requested payment against either COI, minimum or target premium. Used only on plans that allows flexible billing. Valid values are:\\r\\\"001\\\" - use requested payment as is \\r\\\"002\\\" - COI\\r\\\"003\\\" - COI plus initial lump sum\\r\\\"004\\\" - minimum\\r\\\"005\\\" - minimum plus initial lump sum\\r\\\"006\\\" - target\\r\\\"007\\\" - target plus initial lump sum\\r\\\"008\\\" - current premium\\r\\\"009\\\" - current premium plus initial lump sum\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u000724 - benefit option code. Valid values are:\\r\\\"001\\\" - required\\r\\\"002\\\" - not required\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u000725 - cvat/corr method. Valid values are:\\r001 - use CVAT factors, if they exist, for the COI and death benefit calculations. If not CVAT factors, use TEFRA/DEFRA factors for both calculations. 001 is the default value.\\r002 - use CVAT factors for death benefit calculations and TEFRA/DEFRA factors for NAR in the COI calculations.\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u000726 - CVAT PREM LIMIT. Valid values are:\\r\\\"001\\\" Do not limit premiums based on CVAT. \\r\\\"002\\\" Limit premiums based on CVAT. Do not increase death benefit.\\r003 Do not limit premiums based on CVAT. Display a warning message and increase the death benefit.\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u000727 GUIDELINE PREMIUM RECALCULATION CODE. Valid values are:\\r001 not required\\r002 Recalculate guideline premiums using cash value retrospective method\\r003 Recalculate guideline premiums using the Dole-Bentsen prospective method\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u000728 - cash with application requirement code.\""
},
{
"id": "18180546-fb04-4eab-b811-482ddb9ef34d",
"text": "\"The record key consists of fields one through six (18 bytes).\\rMaximum number of records: unlimited. This record is maintained on the 92/2 Screen, program NBS093.\\r\\r1.\\u0007CO-01\\rCompany number.\\u0007X(2).\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u00072.\\u0007PARM-01\\rRecord type. Must be \\\"01\\\".\\u00079(2).\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u00073.\\u0007MODEKEY-01.\\rMust contain a valid plan and plan option, or all spaces.\\u0007X(8).\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u00074.\\u0007METHOD-01\\rPayment method code. Valid values are:\\r\\\"01\\\" - notice billing\\r\\\"02\\\" - draft/EFT\\r\\\"03\\\" - post-dated checks\\r\\\"04\\\" - deposit funds\\r\\\"05\\\" - group billing\\r\\\"06\\\" - ROP\\r\\\"07\\\" - cash action\\r\\\"08\\\"- waiver of premium, temporary\\r\\\"09\\\" - waiver of premium, permanent\\r\\\"10\\\" - payer death waiver\\r\\\"11\\\" - monthly packet\\r\\\"12\\\" - permanent APL\\u0007X(2).\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u00075.\\u0007MODE-01\\rPayment mode code. Valid values are:\\r\\\"01\\\" - annual\\r\\\"02\\\" - semi-annual\\r\\\"04\\\" - quarterly\\r\\\"10\\\" - every 37 days for odd months, 36 days for even months\\u0007X(2).\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\\"12\\\" - monthly\\r\\\"13\\\" - every four weeks\\r\\\"20\\\" - every 18 days\\r\\\"21\\\" - every 18 days for odd months, every 17 days for even months\\r\\\"24\\\" - twice a month\\r\\\"26\\\" - every two weeks\\r\\\"52\\\" - every seven days\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u00076.\\u0007Reserved.\\u0007X(2).\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u00077.\\u0007MIN-PREM-01\\rMinimum acceptable modal premium for method and mode. Valid values are \\\"000\\\" through \\\"999\\\" inclusive.\\u00079(3).\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u00078.\\u0007FACTOR-01\\rMethod / mode loading factor to apply against annual premium. Valid values are \\\"0.0000\\\" through \\\"9.9999\\\" inclusive.\\u00079V9(4).\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u00079.\\u0007FACTOR-ANNZ-01\\rMethod / mode no-load factor to apply against annual premium. Valid values are \\\"00.00\\\" through \\\"99.99\\\" inclusive.\\u000799V99.\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u000710.\\u0007DESC-01\\rMethod / mode description.\\u0007X(30).\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u000711.\\u0007PERIOD-01\\rMethod / mode period in months. Valid values are \\\"000\\\" through \\\"999\\\" inclusive.\\u00079(3) C3.\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u000712.\\u0007ORDER-OPT-01\\rOrder options. Three occurrences of X each. Each occurrence is defined below.\\r\\r1 - PAC sticker delivery instruction. Valid values are:\\r\\\"1\\\" - not required\\r\\\"2\\\" - required\\r\\r2 - PDC one year supply delivery requirement. Valid values are:\\r\\\"1\\\" - not required\\r\\\"2\\\" - required\\r\\r3 - modal / annual premium calculations and rounding (mode rules). Valid values are:\\r\\\"1\\\" - default. Use .009 in annual premium calculation and .009 in mode premium calculation. Mode premium = (((((unit or face amount) * (annual premium rate) / (unit or face amount per unit value)) + .009 annual mode rounding) + policy fees and expenses) * mode factor) + .009 mode rounding.\\u0007X.\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007 \\u0007Note: The mode premium may vary depending on if face amount or unit data is used. Also, if the mode factor is not loaded (mode factor without fees) division by mode factor should occur, instead of multiplication by mode factor, in the formulas above.\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\\"2\\\" - use .009 for annual and .005 for mode premium.\""
},
{
"id": "e53aabb9-3674-4b45-b628-c07178498bdc",
"text": "\"The tax reserve factor keys used in the current reserve calculation. Consists of field R-TAXR-FK, which occurs five times and has picture 9(3). Note that these are not the key codes contained on the plan file 305 record, but rather the actual keys that were calculated (as specified by the codes on the plan file 305 record) and used to obtain the tax reserve factors. This field must be blank when tax reserves are not calculated or used.\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u000744.\\u0007XR-TAXR-FKEY-CODES.\\rFive occurrences of field R-TAXR-FKCODE, with picture 9(2) for each occurrence. These are the codes as they appear (not as they are calculated) on the plan file 305 record of the actuarial plan used to access the tax reserve records to compute the current reserve. This field must be blank when tax reserves are not calculated or used.\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u000745.\\u0007XR-TAXR-DDP\\rThis flag is from the plan file 305 record, and controls selection for due, deferrred, and paid in advance reporting. This field must be blank when tax reserves are not calculated or used. Valid codes include:\\rN - do not include in reporting\\rS - single premium\\rY - include in reporting\\u0007X.\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u000746.\\u0007XR-TAXR-BASIS-CODE\\rThe basis code from the plan file 305 record of the actuarial plan used to access the tax reserve records to compute the reserve. This code indicates what reserve calculations are based on. This field must be blank when tax reserves are not calculated or used. Valid values are:\\r01 - per policy (policy is one unit)\\r02 - per thousand dollars of face amount\\r03 - per hundred dollars of annual premium\\r04 - per dollar of annual premium\\u0007X(2).\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u000705 - units = face/1000: mean reserve factor = 1. The mean reserve amount = sum of the basic premium and all SBC premiums in effect, multiplied by the mode, divided by 24. This is the equivalent to 1/2 months COI.\\r06 - units = the sum of the basic premium and all SBC premiums in effect, multiplied by the mode, divided by 100. The mean reserve amount = the mean reserve factor multiplied by the units.\\r07 - units = the SBC benefit amount divided by 1000. The mean reserve = the mean reserve factor multiplied by units.\\r08 - units = the basic premium and all SBC premiums in effect, multiplied by the mode, divided by 100. The mean reserve factor = the SBC premium for the SBC being reserved, multiplied by the mode, divided by units. The result is multiplied by the percentage in the factor file. The mean reserve amount = the mean reserve factor from the above calculation, multiplied by units.\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u000709 - units = the SBC benefit amount divided by 1000. The mean reserve factor = the SBC premium for the SBC being reserved, multiplied by the mode, divided by units. The result is multiplied by the percentage in the factor file. The mean reserve amount = the mean reserve factor \\rfrom the above calculation, multiplied by units.\\r10 - original units \\r11 - units = current death benefit divided by 1000.\\r12 - units = growth value (i.e., current death benefit less guaranteed death benefit) divided by 1000.\\r13 - units = growth value (i.e., current death benefit less face) divided by 1000.\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u000747.\\u0007XR-TAXR-VAL-MORT\\rThe mortality code from the plan file 305 record of the actuarial plan used to access the tax reserve records to compute the reserve. This field must be blank when tax reserves are not calculated or used. For valid values see XR-VAL-MORT in this section.\\u0007X(2).\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u000748.\\u0007XR-TAXR-VAL-INT\\rThe interest code from the plan file 305 record of the actuarial plan used to access the tax reserve records to compute the reserve. This field must be blank when tax reserves are not calculated or used.\""
},
{
"id": "b7a9381a-e83c-4c17-88b3-8211370d0caf",
"text": "\"Coverage Issue date\\n\\nThe extract file can send multiple records for riders and base coverage. \\nIf the record being sent is a rider, then send issue date for the rider. If the record sent is the base coverage, then send the issue date of the base coverage.\\n Policy Insured Information Policy Issue State Mapped\\n Delimiter 57 57 1 PIC X(1) \\n12 NUMBER_OF_UNITS 58 73 16 PIC 9(12).999 Number of Units for the benefit or rider Number of Units in Policy.\\n\\nSend result of 21/2: FACE / Field ID 13\\n Divided by 1000 Policy Policy Values Face Amount Mapped\\n Delimiter 74 74 1 PIC X(1) \\n13 VALUE_PER_UNIT 75 87 13 PIC 9(10).99 Value per Unit for the benefit or rider Value per Unit.\\n\\nIF plan has VARYING DB=Y then compute value with this formula (AD761-FACE * PRMFACT-AMT-PL) / LM-FACE) Else Send result of LM-FACE / VALUE_PER_UNIT (Field ID 13)\\n \\n Delimiter 88 88 1 PIC X(1) \\n14 GROSS_PREM_DUE 89 97 9 S9(9)V99 Gross Prem Due for the benefit or rider \\n Gross Prem Due for the benefit or rider (Anything past due)\\n\\n1) Calculate Mode Premium, Annualized Premium, Monthly Premium, and Months Due\\n2) Calculate Due Premium from Months Due * Monthly Premium\\n Send value of Due Premium\\n \\n Delimiter 98 98 1 PIC X(1) \\n15 GROSS_PREM_DEFERRED 99 111 13 PIC S9(9)V99 Gross Prem Deferred for the benefit or rider\\n Gross Prem Deferred for the benefit or rider (Anything paid thru current period)\\n\\n1) Calculate Mode Premium, Deferred Months, Annualized Premium, and Monthly Premium\\n2) Calculate Deferred Premium from Deferred Months * Monthly Premium \\n Send value of Deferred Premium\\n \\n Delimiter 112 112 1 PIC X(1) \\n16 GROSS_PREM_ADVANCE 113 125 13 PIC S9(9)V99 Gross Prem Advance for the benefit or rider\\n Gross Prem Advance for the benefit or rider (What has been paid ahead of the billing period)\\n\\n1) Calculate Next Anniversary Date, Mode Premium - as of Next Anniversary Date, Monthly Premium, and Months of Advance Premium\\n2) Calculate Advance Premium from Monthly Premium * Months of Advance Premium\\n Send value of Advance Premium\\n \\n Delimiter 126 126 1 PIC X(1) \\n17 BILLING_MODE 127 127 1 PIC 9(1) Contains the billing mode for the policy\\n Premium Payment Mode/Frequency.\\n\\nExpected values:\\n1 = Annual\\n2 = Semiannual\\n3 = Quarterly\\n4 = Monthly\\n Policy Billing and Premium Payment Mode Mapped\\n Delimiter 128 128 1 PIC X(1) \\n18 PLAN_DESC_SEARCH_KEY 129 139 11 PIC X(11) Contains the key on which the policy becomes paid up. For renewable term policies, it is the key of the next renewal.\\n(6 digit Plan Code, plus 2 character option code)\\n The key on which the policy becomes \\npaid up. For renewable term policies, it is the key of the next renewal.\\n\\nExpected value: 6 digit Plan Code, plus 2 character option code\\n\\nFor CyberLife, Lincoln Benefit Life or Allstate Assurance companies, \\nFinancial Plan Code = Pseudo Plan Translation tab, Pseudo Short column (Column E) value and the policy issue date is between the Pseudo Plan Translation tab, IssueDateStart (Column F) and IssueDateEnd (Column G);\\nSend value from IssueDateStart (Column F) and IssueDateEnd (Column G)\\nOtherwise, plan code from LifeSys\\n \\nFor CyberLife, Allstate Life Ins Co, Surety Life Ins, or Allstate Co Lincoln companies, send plan code from LifeSys;\\n\\nFor Atlas, send plan code from LifeSys\\n \\n Delimiter 140 140 1 PIC X(1) \\n19 ReportingDate 141 148 8 PIC 9(8) The Month-End date (calendar date, not actual run date) for which the report is run, in YYYYMMDD format. The Month-End date (calendar date, not actual run date) for which the report is run, in YYYYMMDD format\\n\\nExample: If the report is run on the last business day of the month (12/30) but the last calendar date is 12/31, this value will be 12/31.\\n \\n Delimiter 149 149 1 PIC X(1) \\n20 OriginalAdminSystem 150 151 2 PIC X(2) Original Admin System at Allstate\\n EVL administration system based on the Everlake/Allstate Old Company Number.\""
}
],
"acceptance_criteria": [
"The system must apply a discount factor of 0.96 for benefit periods of 36 months in premium calculations.",
"The system must apply a discount factor of 0.93 for benefit periods of 60 months in premium calculations.",
"The system must apply a discount factor of 0.87 for benefit periods of 120 months in premium calculations.",
"The system must ensure that the correct discount factor is applied based on the benefit period selected by the user.",
"The system must validate that the benefit period entered by the user is one of the predefined periods (36, 60, or 120 months).",
"The system must recalculate the premium accurately when the benefit period is changed by the user.",
"The system must display the applied discount factor and the resulting premium calculation to the user.",
"The system must log the applied discount factor and the resulting premium calculation for audit purposes.",
"The system must handle and apply the discount factors during batch processing of premium calculations.",
"The system must ensure that the discount factors are applied consistently across all relevant modules and reports."
],
"created_at": "2025-01-28T22:12:01.714Z",
"updated_at": "2025-01-28T22:12:01.714Z"
},
{
"doc_uid": "8f68c38f-3267-47cc-9f3f-6d81f810cee6",
"uid": "7367c071-040b-451f-b34e-8473702af2cc",
"ref_id": "CREQ-012 One Sum Payment",
"summary": "Add a feature to calculate the one-sum payment as the discounted sum of monthly benefits. The system must support this calculation and provide accurate payout options.\n\n\n\n**Current client process**:\n\nCurrently, the system does not support the calculation of one-sum payments as the discounted sum of monthly benefits, leading to potential inaccuracies in payout options.",
"references": [
{
"id": "9038a48b-dfd9-4c34-8576-341883c123a8",
"text": "\"System Reference Manual \\n \\n \\n \\n\\u00a9 2023 NTT DATA, Inc. | Proprietary and Confidential | July 5, 2024 1545 \\n \\n \\n \\n21. MONTHLY SALARY \\nThis field indicates if the MO. SALARY field in New Business is required. Valid values \\nare: \\n001 not required \\n002 required and monthly salary must be greater than zero \\n \\nThis field is used in conjunction with Automatic Underwriting \\n \\n22. REPLACEMENT SIGNATURE \\n This field contains a three-digit indicator for Replacement Signature requirement. Valid \\nvalues are: \\n 001 required \\n 002 not required \\n \\n23. BENEFIT OPTION \\n This field contains a three-digit Benefit Option requirement indicator. Valid values are: \\n 001 required \\n 002 not required \\n \\n24. FIRST COV AMT COMPARE \\n This field contains a three-digit indicator for comparing requested payment against either \\nCOI, minimum or target premium. This field is only used on plans that allow flexible \\nbilling. Valid values are: \\n 001 use requested payment as is \\n 002 COI \\n 003 COI plus initial lump sum \\n 004 minimum \\n 005 minimum and initial lump sum \\n 006 target \\n 007 target and initial lump sum \\n 008 current premium \\n 009 current premium and initial lump sum\"",
"file_name": "System Reference-LifeSys System Reference.pdf",
"page_label": "1545"
},
{
"id": "ec9ad637-2e32-4260-abf8-ceab6a238a4f",
"text": "\"System Reference Manual \\n \\n \\n \\n\\u00a9 2023 NTT DATA, Inc. | Proprietary and Confidential | July 5, 2024 1545 \\n \\n \\n \\n21. MONTHLY SALARY \\nThis field indicates if the MO. SALARY field in New Business is required. Valid values \\nare: \\n001 not required \\n002 required and monthly salary must be greater than zero \\n \\nThis field is used in conjunction with Automatic Underwriting \\n \\n22. REPLACEMENT SIGNATURE \\n This field contains a three-digit indicator for Replacement Signature requirement. Valid \\nvalues are: \\n 001 required \\n 002 not required \\n \\n23. BENEFIT OPTION \\n This field contains a three-digit Benefit Option requirement indicator. Valid values are: \\n 001 required \\n 002 not required \\n \\n24. FIRST COV AMT COMPARE \\n This field contains a three-digit indicator for comparing requested payment against either \\nCOI, minimum or target premium. This field is only used on plans that allow flexible \\nbilling. Valid values are: \\n 001 use requested payment as is \\n 002 COI \\n 003 COI plus initial lump sum \\n 004 minimum \\n 005 minimum and initial lump sum \\n 006 target \\n 007 target and initial lump sum \\n 008 current premium \\n 009 current premium and initial lump sum\"",
"file_name": "System Reference-General Maintenance.pdf",
"page_label": "377"
},
{
"id": "5449ed96-ba96-40c0-baf7-a219108d1032",
"text": "\"System Reference Manual \\n \\n \\n \\n\\u00a9 2022 NTT DATA, Inc. | Proprietary and Confidential | April 20 2020 538 \\n \\n \\n17. ENHANCED MAX BENEFIT \\nThis field contains the calculated enhanced income threshold amount. If the valuation \\ndate is prior to the first occurrence of payout start date, the field will be blank. This field \\nwill only display when the policy has an EIWB rider and the ENHANCED MAX \\nPAYMENT CALCULATION METHOD control is \\u201c02\\u201d. \\n \\n18. ENHANCED BNFT REMAIN \\nThis field displays the enhanced income threshold amount remaining as of the valuation \\ndate. If the valuation date is prior to the first occurrence of the enhanced payout start \\ndate, this field will be blank. This field will only display when a policy has an EIWB rider \\nand ENHANCED MAX PAYMENT CALCULATION METHOD control is \\u201c02\\u201d. \\n \\n19. PAYOUT AMOUNT \\nThis value is the Guaranteed Minimum Withdrawal Benefit (MWB) rider total Guaranteed \\nWithdrawal Payment (GWP) amount. This value is based on the income base at the \\nbeginning of the policy year times the payout factor from the GWP Ruleset. For a policy \\nwith an EIWB rider and the valuation date is within a start/end payment date range, this \\nfield will display annual calculated enhanced income amount. \\n \\n20. ESTIMATED PAYOUT \\nThis value is the Guaranteed Minimum Withdrawal Benefit (GMWB) rider total \\nGuaranteed Withdrawal Payment (GWP) amount. This value is based on the income \\nbase at the beginning of the policy year times the payout factor from the GWP Ruleset. \\n \\n21. AMOUNT PAID \\nThis value is the total Guaranteed Withdrawal Payment (GWP) that has been paid since \\nthe beginning of the current policy year. All gross withdrawals made during the policy \\nyear are included in this amount. \\n \\n22. ESTIMATED ENHANCED \\nThis value is the estimated annual enhanced income amount. When the valuation date is \\nafter the first occurrence of the start date, this field will be suppressed. \\n \\n23. PAYOUT REMAINING \\nThis value is the remaining Guaranteed Withdrawal Payment (GWP) for the current \\npolicy year. This is based on the TOTAL GMP minus the GWP PAID. If this value is \\ncalculated as a negative number, this field will display \\u201c0.00\\u201d. \\n \\n Revised Q214\"",
"file_name": "System Reference-Policy Maintenance.pdf",
"page_label": "343"
},
{
"id": "de4e15be-0e30-468d-b732-6f30fc413b83",
"text": "\"System Reference Manual \\n \\n \\n \\n\\u00a9 2023 NTT DATA, Inc. | Proprietary and Confidential | July 5, 2024 544 \\n \\n \\n17. ENHANCED MAX BENEFIT \\nThis field contains the calculated enhanced income threshold amount. If the valuation \\ndate is prior to the first occurrence of payout start date, the field will be blank. This field \\nwill only display when the policy has an EIWB rider and the ENHANCED MAX \\nPAYMENT CALCULATION METHOD control is \\u201c02\\u201d. \\n \\n18. ENHANCED BNFT REMAIN \\nThis field displays the enhanced income threshold amount remaining as of the valuation \\ndate. If the valuation date is prior to the first occurrence of the enhanced payout start \\ndate, this field will be blank. This field will only display when a policy has an EIWB rider \\nand ENHANCED MAX PAYMENT CALCULATION METHOD control is \\u201c02\\u201d. \\n \\n19. PAYOUT AMOUNT \\nThis value is the Guaranteed Minimum Withdrawal Benefit (MWB) rider total Guaranteed \\nWithdrawal Payment (GWP) amount. This value is based on the income base at the \\nbeginning of the policy year times the payout factor from the GWP Ruleset. For a policy \\nwith an EIWB rider and the valuation date is within a start/end payment date range, this \\nfield will display annual calculated enhanced income amount. \\n \\n20. ESTIMATED PAYOUT \\nThis value is the Guaranteed Minimum Withdrawal Benefit (GMWB) rider total \\nGuaranteed Withdrawal Payment (GWP) amount. This value is based on the income \\nbase at the beginning of the policy year times the payout factor from the GWP Ruleset. \\n \\n21. AMOUNT PAID \\nThis value is the total Guaranteed Withdrawal Payment (GWP) that has been paid since \\nthe beginning of the current policy year. All gross withdrawals made during the policy \\nyear are included in this amount. \\n \\n22. ESTIMATED ENHANCED \\nThis value is the estimated annual enhanced income amount. When the valuation date is \\nafter the first occurrence of the start date, this field will be suppressed. \\n \\n23. PAYOUT REMAINING \\nThis value is the remaining Guaranteed Withdrawal Payment (GWP) for the current \\npolicy year. This is based on the TOTAL GMP minus the GWP PAID. If this value is \\ncalculated as a negative number, this field will display \\u201c0.00\\u201d. \\n \\n Revised Q214\"",
"file_name": "System Reference-LifeSys System Reference.pdf",
"page_label": "544"
},
{
"id": "30245a23-eba9-4e7a-8d55-cfb7e8cdd073",
"text": "\"System Reference Manual \\n \\n \\n \\n\\u00a9 2023 NTT DATA, Inc. | Proprietary and Confidential | July 5, 2024 1604 \\n \\n \\n4. SUB TYPE \\n Three-digit SUB TYPE of Plan Record. Must be \\u201c302\\u201d. \\n \\n5. EFFECTIVE DATE \\n Date Plan Data is in effect. Must be in YYYYMMDD format. This field cannot be blank \\nnot allowed. \\n \\nGUARANTEED COI RATING (4 occurrences) \\n6. METHOD \\n Two position code describing the type of premium entry or the basis of the premium \\nentry. The METHOD is used to access the Premium Rate Factor File (available through \\nScreen 94). Input is required (in all four occurrences), valid values include: \\n 00 not used \\n 01 premium rate by flat amount per volume of coverage (included in \\nsubstandard premium calculations) \\n 02 first year additional deposit \\n 03 flat annual premium amount \\n 05 expense charge \\n 06 current and guaranteed COI by percentage of total target premium of all \\ninsureds\\u2019 coverages (included in substandard calculations) \\n 07 policy fee plus account value load defined on COI Ruleset \\n 08 pass requested payment amount for external calculation \\n 09 pass initial lump sum for external calculation \\n 10 pass requested payment amount and initial lump sum for external \\ncalculation \\n 11 premium rate by percentage of total premium of an insured\\u2019s coverages \\n(included in substandard calculations) \\n 13 premium rate by flat amount per volume of coverage (not included in \\nsubstandard premium calculation for substandard type 30) \\n 15 flat amount additional load (added to the fund at time of premium \\npayment and deducted at time of COI deduction) \\n20 premium rate by percentage of total COI of contract benefit amount = total \\nunits of contract, for use of SBCs only. SBC 20s benefit is total COI units \\non contract. \\n21 premium rate by percentage of total COI of contract benefit amount = total \\nunits of contract, for use of SBCs only. SBC 20s benefit is total COI on \\ncontract. \\n 50 premium rate by flat amount per volume of coverage (percent \\nsubstandard is a percent of first year COI rate) \\n 90 minimum premium\"",
"file_name": "System Reference-LifeSys System Reference.pdf",
"page_label": "1604"
},
{
"id": "6f8c073a-3320-4a69-aa1c-c3ad3902d0b7",
"text": "\"System Reference Manual \\n \\n \\n \\n\\u00a9 2023 NTT DATA, Inc. | Proprietary and Confidential | July 5, 2024 1604 \\n \\n \\n4. SUB TYPE \\n Three-digit SUB TYPE of Plan Record. Must be \\u201c302\\u201d. \\n \\n5. EFFECTIVE DATE \\n Date Plan Data is in effect. Must be in YYYYMMDD format. This field cannot be blank \\nnot allowed. \\n \\nGUARANTEED COI RATING (4 occurrences) \\n6. METHOD \\n Two position code describing the type of premium entry or the basis of the premium \\nentry. The METHOD is used to access the Premium Rate Factor File (available through \\nScreen 94). Input is required (in all four occurrences), valid values include: \\n 00 not used \\n 01 premium rate by flat amount per volume of coverage (included in \\nsubstandard premium calculations) \\n 02 first year additional deposit \\n 03 flat annual premium amount \\n 05 expense charge \\n 06 current and guaranteed COI by percentage of total target premium of all \\ninsureds\\u2019 coverages (included in substandard calculations) \\n 07 policy fee plus account value load defined on COI Ruleset \\n 08 pass requested payment amount for external calculation \\n 09 pass initial lump sum for external calculation \\n 10 pass requested payment amount and initial lump sum for external \\ncalculation \\n 11 premium rate by percentage of total premium of an insured\\u2019s coverages \\n(included in substandard calculations) \\n 13 premium rate by flat amount per volume of coverage (not included in \\nsubstandard premium calculation for substandard type 30) \\n 15 flat amount additional load (added to the fund at time of premium \\npayment and deducted at time of COI deduction) \\n20 premium rate by percentage of total COI of contract benefit amount = total \\nunits of contract, for use of SBCs only. SBC 20s benefit is total COI units \\non contract. \\n21 premium rate by percentage of total COI of contract benefit amount = total \\nunits of contract, for use of SBCs only. SBC 20s benefit is total COI on \\ncontract. \\n 50 premium rate by flat amount per volume of coverage (percent \\nsubstandard is a percent of first year COI rate) \\n 90 minimum premium\"",
"file_name": "System Reference-General Maintenance.pdf",
"page_label": "436"
},
{
"id": "9513866b-f125-4b35-9e12-f1c9ab41a43f",
"text": "\"System Reference Manual \\n \\n \\n \\n\\u00a9 2023 NTT DATA, Inc. | Proprietary and Confidential | July 5, 2024 1558 \\n \\n \\n4. SUB TYPE \\n Subtype of plan record. Do not enter on this screen. \\n \\n5. EFFECTIVE DATE \\n Date plan data is in effect. Do not enter on this screen. \\n \\nCURRENT PREMIUM RATING ENTRIES \\n6. METHOD \\n This field contains a two position code describing the type of premium entry or the basis \\nof the premium entry. The METHOD is used to access the Premium Rate Factor File \\n(available through 94 screen). Input is required (in all four occurrences), valid values \\ninclude: \\n 00 not used \\n 01 premium rate by flat amount per volume of coverage (included in \\nsubstandard premium calculations) \\n 02 first year additional deposit \\n 03 flat annual premium amount \\n 05 expense charge \\n 06 waiver of target - COI rate by percentage of total target premium of all \\ninsureds coverages (allowed on current and guaranteed COI tables only) \\n(included in substandard calculations) \\n 07 policy fee plus account value load defined on COI Ruleset \\n 08 pass requested payment amount for external calculation \\n 09 pass initial lump sum for external calculation \\n 10 pass requested payment amount and initial lump sum for external \\ncalculation \\n 11 premium rate by percentage of total premium of an insureds\\u2019 coverages \\n(included in substandard calculations) \\n 13 premium rate by flat amount per volume of coverage (not included in \\nsubstandard premium calculation for substandard type 30) \\n 14 mode policy fee \\n 15 flat amount additional load (added to the fund at time of premium \\npayment and deducted at time of COI deduction) \\n 16 minimum and target premium rate by percentage of total target premium \\nof all insured\\u2019s coverages, excluding waiver \\n 18 used only for return of premium defined as an additional benefit. The \\npremium rate (defined as a dollar amount) x the total of the premium for \\nthe insured\\u2019s basic coverage + all other coverages defined as additional \\nbenefits (excludes any other SBC\\u2019s and charge codes) \\n 50 premium rate by flat amount per volume of coverage (percent \\nsubstandard is a percent of first year COI rate)\"",
"file_name": "System Reference-General Maintenance.pdf",
"page_label": "390"
},
{
"id": "f30abd38-6d95-4bc3-be27-a336391cd640",
"text": "\"System Reference Manual \\n \\n \\n \\n\\u00a9 2023 NTT DATA, Inc. | Proprietary and Confidential | July 5, 2024 1558 \\n \\n \\n4. SUB TYPE \\n Subtype of plan record. Do not enter on this screen. \\n \\n5. EFFECTIVE DATE \\n Date plan data is in effect. Do not enter on this screen. \\n \\nCURRENT PREMIUM RATING ENTRIES \\n6. METHOD \\n This field contains a two position code describing the type of premium entry or the basis \\nof the premium entry. The METHOD is used to access the Premium Rate Factor File \\n(available through 94 screen). Input is required (in all four occurrences), valid values \\ninclude: \\n 00 not used \\n 01 premium rate by flat amount per volume of coverage (included in \\nsubstandard premium calculations) \\n 02 first year additional deposit \\n 03 flat annual premium amount \\n 05 expense charge \\n 06 waiver of target - COI rate by percentage of total target premium of all \\ninsureds coverages (allowed on current and guaranteed COI tables only) \\n(included in substandard calculations) \\n 07 policy fee plus account value load defined on COI Ruleset \\n 08 pass requested payment amount for external calculation \\n 09 pass initial lump sum for external calculation \\n 10 pass requested payment amount and initial lump sum for external \\ncalculation \\n 11 premium rate by percentage of total premium of an insureds\\u2019 coverages \\n(included in substandard calculations) \\n 13 premium rate by flat amount per volume of coverage (not included in \\nsubstandard premium calculation for substandard type 30) \\n 14 mode policy fee \\n 15 flat amount additional load (added to the fund at time of premium \\npayment and deducted at time of COI deduction) \\n 16 minimum and target premium rate by percentage of total target premium \\nof all insured\\u2019s coverages, excluding waiver \\n 18 used only for return of premium defined as an additional benefit. The \\npremium rate (defined as a dollar amount) x the total of the premium for \\nthe insured\\u2019s basic coverage + all other coverages defined as additional \\nbenefits (excludes any other SBC\\u2019s and charge codes) \\n 50 premium rate by flat amount per volume of coverage (percent \\nsubstandard is a percent of first year COI rate)\"",
"file_name": "System Reference-LifeSys System Reference.pdf",
"page_label": "1558"
},
{
"id": "97eee4ef-0d38-47fb-9f51-c663989442a9",
"text": "\"System Reference Manual \\n \\n \\n \\n\\u00a9 2023 NTT DATA, Inc. | Proprietary and Confidential | July 5, 2024 1622 \\n \\n \\n5. EFFECTIVE DATE \\nDate plan data is in effect. Must be in YYYYMMDD format. Spaces not allowed. \\n \\nNO LAPSE PREMIUM RATING \\u2013 TIER 3 \\n6. METHOD \\nThis field contains a two position code describing the type of premium entry or the basis \\nof the premium entry. The METHOD is used to access the Premium Rate Factor File \\nwhich is available through Rate Maintenance (94) screen. Input is required (in all four \\noccurrences), valid values include: \\n 00 not used \\n 01 premium rate by flat amount per volume of coverage (included in \\nsubstandard premium calculations) \\n 02 first year additional deposit \\n 03 flat annual premium amount \\n 05 expense charge \\n 06 current and guaranteed COI by percentage of total target premium of all \\ninsureds\\u2019 coverages (included in substandard calculations) \\n 07 policy fee plus account value load defined on COI Ruleset \\n 08 pass requested payment amount for external calculation \\n 09 pass initial lump sum for external calculation \\n 10 pass requested payment amount and initial lump sum for external \\ncalculation \\n 11 premium rate by percentage of total premium of an insureds\\u2019 coverages \\n(included in substandard calculations) \\n 13 premium rate by flat amount per volume of coverage (not included in \\nsubstandard premium calculation for substandard type 30). \\n 15 flat amount additional load (added to the fund at time of premium \\npayment and deducted at time of COI deduction) \\n 20 premium rate by percentage of total COI of contract benefit amount = total \\nunits of contract, for use of SBC\\u2019s only \\n 50 premium rate by flat amount per volume of coverage (percent \\nsubstandard is a percent of first year COI rate) \\n 90 minimum premium \\n 91 maximum premium\"",
"file_name": "System Reference-General Maintenance.pdf",
"page_label": "454"
},
{
"id": "7ca0620c-a9b9-4e6f-b0f7-5006337ca8e5",
"text": "\"System Reference Manual \\n \\n \\n \\n\\u00a9 2023 NTT DATA, Inc. | Proprietary and Confidential | July 5, 2024 1622 \\n \\n \\n5. EFFECTIVE DATE \\nDate plan data is in effect. Must be in YYYYMMDD format. Spaces not allowed. \\n \\nNO LAPSE PREMIUM RATING \\u2013 TIER 3 \\n6. METHOD \\nThis field contains a two position code describing the type of premium entry or the basis \\nof the premium entry. The METHOD is used to access the Premium Rate Factor File \\nwhich is available through Rate Maintenance (94) screen. Input is required (in all four \\noccurrences), valid values include: \\n 00 not used \\n 01 premium rate by flat amount per volume of coverage (included in \\nsubstandard premium calculations) \\n 02 first year additional deposit \\n 03 flat annual premium amount \\n 05 expense charge \\n 06 current and guaranteed COI by percentage of total target premium of all \\ninsureds\\u2019 coverages (included in substandard calculations) \\n 07 policy fee plus account value load defined on COI Ruleset \\n 08 pass requested payment amount for external calculation \\n 09 pass initial lump sum for external calculation \\n 10 pass requested payment amount and initial lump sum for external \\ncalculation \\n 11 premium rate by percentage of total premium of an insureds\\u2019 coverages \\n(included in substandard calculations) \\n 13 premium rate by flat amount per volume of coverage (not included in \\nsubstandard premium calculation for substandard type 30). \\n 15 flat amount additional load (added to the fund at time of premium \\npayment and deducted at time of COI deduction) \\n 20 premium rate by percentage of total COI of contract benefit amount = total \\nunits of contract, for use of SBC\\u2019s only \\n 50 premium rate by flat amount per volume of coverage (percent \\nsubstandard is a percent of first year COI rate) \\n 90 minimum premium \\n 91 maximum premium\"",
"file_name": "System Reference-LifeSys System Reference.pdf",
"page_label": "1622"
},
{
"id": "6bd0a82a-c6dd-4e66-8618-067834719844",
"text": "\"System Reference Manual \\n \\n \\n \\n\\u00a9 2023 NTT DATA, Inc. | Proprietary and Confidential | July 5, 2024 1606 \\n \\n \\n15. STACKBY \\n See STACKBY codes for TYPE \\u201c100\\u201d-\\u201c199\\u201d SUB TYPE \\u201c300\\u201d, Screen. \\n \\n16. GUARANTEED COI WP EXCLUSION TABLE \\n A table of up to 3 SBCs that may be excluded from the waiver of premium calculation. \\nThe exclusion is used only for waiver plans using premium rating method 11. \\n \\nNOTE: Excluded SBC\\u2019s should be coded on waiver\\u2019s plan record (i.e. Plan File Maintenance \\n(95) screen 120/302 record). \\n \\nCURRENT COI RATING (4 occurrences) \\n17. METHOD \\n Two position code describing the type of premium entry or the basis of the premium \\nentry. The METHOD is used to access the Premium Rate Factor File (available through \\n94 screen). Input is required (in all four occurrences), valid values include: \\n 00 not used \\n 01 premium rate by flat amount per volume of coverage (included in \\nsubstandard premium calculations) \\n 02 first year additional deposit \\n 03 flat annual premium amount \\n 05 expense charge \\n 06 current and guaranteed COI by percentage of total target premium of all \\ninsureds\\u2019 coverages (included in substandard calculations) \\n 07 policy fee plus account value load defined on COI Ruleset \\n 08 pass requested payment amount for external calculation \\n 09 pass initial lump sum for external calculation \\n 10 pass requested payment amount and initial lump sum for external \\ncalculation \\n 11 premium rate by percentage of total premium of an insureds\\u2019 coverages \\n(included in substandard calculations) \\n 13 premium rate by flat amount per volume of coverage (not included in \\nsubstandard premium calculation for substandard type 30). \\n 15 flat amount additional load (added to the fund at time of premium \\npayment and deducted at time of COI deduction) \\n 20 premium rate by percentage of total COI of contract benefit amount = total \\nunits of contract, for use of SBC\\u2019s only. SBC 20s benefit is total COI units \\nof contract \\n 21 premium rate by percentage of total COI of contract benefit amount = total \\nCOI of contract, for use of SBCs only. SBC 20s benefit is total COI \\namount on contract.\"",
"file_name": "System Reference-LifeSys System Reference.pdf",
"page_label": "1606"
},
{
"id": "f62ade81-8be2-4f26-8501-c87b27eb8316",
"text": "\"System Reference Manual \\n \\n \\n \\n\\u00a9 2023 NTT DATA, Inc. | Proprietary and Confidential | July 5, 2024 1606 \\n \\n \\n15. STACKBY \\n See STACKBY codes for TYPE \\u201c100\\u201d-\\u201c199\\u201d SUB TYPE \\u201c300\\u201d, Screen. \\n \\n16. GUARANTEED COI WP EXCLUSION TABLE \\n A table of up to 3 SBCs that may be excluded from the waiver of premium calculation. \\nThe exclusion is used only for waiver plans using premium rating method 11. \\n \\nNOTE: Excluded SBC\\u2019s should be coded on waiver\\u2019s plan record (i.e. Plan File Maintenance \\n(95) screen 120/302 record). \\n \\nCURRENT COI RATING (4 occurrences) \\n17. METHOD \\n Two position code describing the type of premium entry or the basis of the premium \\nentry. The METHOD is used to access the Premium Rate Factor File (available through \\n94 screen). Input is required (in all four occurrences), valid values include: \\n 00 not used \\n 01 premium rate by flat amount per volume of coverage (included in \\nsubstandard premium calculations) \\n 02 first year additional deposit \\n 03 flat annual premium amount \\n 05 expense charge \\n 06 current and guaranteed COI by percentage of total target premium of all \\ninsureds\\u2019 coverages (included in substandard calculations) \\n 07 policy fee plus account value load defined on COI Ruleset \\n 08 pass requested payment amount for external calculation \\n 09 pass initial lump sum for external calculation \\n 10 pass requested payment amount and initial lump sum for external \\ncalculation \\n 11 premium rate by percentage of total premium of an insureds\\u2019 coverages \\n(included in substandard calculations) \\n 13 premium rate by flat amount per volume of coverage (not included in \\nsubstandard premium calculation for substandard type 30). \\n 15 flat amount additional load (added to the fund at time of premium \\npayment and deducted at time of COI deduction) \\n 20 premium rate by percentage of total COI of contract benefit amount = total \\nunits of contract, for use of SBC\\u2019s only. SBC 20s benefit is total COI units \\nof contract \\n 21 premium rate by percentage of total COI of contract benefit amount = total \\nCOI of contract, for use of SBCs only. SBC 20s benefit is total COI \\namount on contract.\"",
"file_name": "System Reference-General Maintenance.pdf",
"page_label": "438"
},
{
"id": "4c8cabd5-bfff-4cf1-99c8-712464e4c799",
"text": "\"System Reference Manual \\n \\n \\n \\n\\u00a9 2023 NTT DATA, Inc. | Proprietary and Confidential | July 5, 2024 1624 \\n \\n \\n \\n15. STACKBY \\n See STACKBY codes for Plan File Maintenance (95) screen, 100-199/300 record, 3rd \\npage. \\n \\nNO LAPSE PREMIUM RATING \\u2013 TIER 4 \\n16. METHOD \\nThis field contains a two-position code describing the type of premium entry or the basis \\nof the premium entry. The METHOD is used to access the Premium Rate Factor File \\nwhich is available through Rate Maintenance (94) screen. Input is required (in all four \\noccurrences), valid values include: \\n 00 not used \\n 01 premium rate by flat amount per volume of coverage (included in \\nsubstandard premium calculations) \\n 02 first year additional deposit \\n 03 flat annual premium amount \\n 05 expense charge \\n 06 current and guaranteed COI by percentage of total target premium of all \\ninsureds\\u2019 coverages (included in substandard calculations) \\n 07 policy fee plus account value load defined on COI Ruleset \\n 08 pass requested payment amount for external calculation \\n 09 pass initial lump sum for external calculation \\n 10 pass requested payment amount and initial lump sum for external \\ncalculation \\n 11 premium rate by percentage of total premium of an insureds\\u2019 coverages \\n(included in substandard calculations) \\n 13 premium rate by flat amount per volume of coverage (not included in \\nsubstandard premium calculation for substandard type 30). \\n 15 flat amount additional load (added to the fund at time of premium \\npayment and deducted at time of COI deduction) \\n 20 premium rate by percentage of total COI of contract benefit amount = total \\nunits of contract, for use of SBC\\u2019s only \\n 50 premium rate by flat amount per volume of coverage (percent \\nsubstandard is a percent of first year COI rate) \\n 90 minimum premium \\n 91 maximum premium\"",
"file_name": "System Reference-General Maintenance.pdf",
"page_label": "456"
},
{
"id": "c8beb4b7-83ce-415e-ac36-231d21196be8",
"text": "\"System Reference Manual \\n \\n \\n \\n\\u00a9 2023 NTT DATA, Inc. | Proprietary and Confidential | July 5, 2024 1624 \\n \\n \\n \\n15. STACKBY \\n See STACKBY codes for Plan File Maintenance (95) screen, 100-199/300 record, 3rd \\npage. \\n \\nNO LAPSE PREMIUM RATING \\u2013 TIER 4 \\n16. METHOD \\nThis field contains a two-position code describing the type of premium entry or the basis \\nof the premium entry. The METHOD is used to access the Premium Rate Factor File \\nwhich is available through Rate Maintenance (94) screen. Input is required (in all four \\noccurrences), valid values include: \\n 00 not used \\n 01 premium rate by flat amount per volume of coverage (included in \\nsubstandard premium calculations) \\n 02 first year additional deposit \\n 03 flat annual premium amount \\n 05 expense charge \\n 06 current and guaranteed COI by percentage of total target premium of all \\ninsureds\\u2019 coverages (included in substandard calculations) \\n 07 policy fee plus account value load defined on COI Ruleset \\n 08 pass requested payment amount for external calculation \\n 09 pass initial lump sum for external calculation \\n 10 pass requested payment amount and initial lump sum for external \\ncalculation \\n 11 premium rate by percentage of total premium of an insureds\\u2019 coverages \\n(included in substandard calculations) \\n 13 premium rate by flat amount per volume of coverage (not included in \\nsubstandard premium calculation for substandard type 30). \\n 15 flat amount additional load (added to the fund at time of premium \\npayment and deducted at time of COI deduction) \\n 20 premium rate by percentage of total COI of contract benefit amount = total \\nunits of contract, for use of SBC\\u2019s only \\n 50 premium rate by flat amount per volume of coverage (percent \\nsubstandard is a percent of first year COI rate) \\n 90 minimum premium \\n 91 maximum premium\"",
"file_name": "System Reference-LifeSys System Reference.pdf",
"page_label": "1624"
},
{
"id": "400c8ec9-0d5d-400e-822c-bc69c66e229d",
"text": "\"Rulesets Manual \\n \\n \\n \\n\\u00a9 2022 NTT DATA, Inc. | Proprietary and Confidential | September 12, 2024 289 \\n \\n \\nSTOP ACCUM AT GMWB PAYOUT \\nThis field indicates whether or not the GMDB Lump Sum Death Benefit value continues \\nto accumulate once GMWB payments begin. Valid values are: \\nBlank or N Do not stop accumulating lump sum value once GMWB payments \\nbegin \\nY Stop accumulating lump sum value once GMWB payments begin \\n \\nPREMIUM TYPE \\nThis field indicates the type of premium included in the death benefit calculation. Valid \\nvalues are: \\nBlank or 01 Include all premium received on the policy \\n02 Include only initial premium received on the policy \\n \\nPREMIUM BONUS MTHD \\nThis field indicates the method to include premium bonus. Valid values are: \\nBlank or 01 Add premium bonus to income base as it is vested \\n02 Entire premium bonus is added at the same time as the premium \\n(even if it\\u2019s a vested bonus) \\n03 Premium bonus is not added to income base \\n \\nINTEREST METHOD \\nThis field indicates how the interest rate is calculated. Valid values are: \\nBlank Not applicable \\nSI Simple Interest \\nCD Compound Daily \\n \\nMAX DEATH BENEFIT AGE \\nThis field indicates the age at which the premium bonus will stop growing. This will be \\nthe end of the accumulation period if it is prior to the ACCUMULATION PERIOD number \\nof years. Valid values are blank (not applicable), and 001-125. \\n \\nINTEREST BASE REDUCE BY \\nThis field indicates the principal base calculation for death benefit base. Valid values are: \\nBlank or 01 Reduce same proportion as reducing death benefit base \\n02 Reduce by gross withdrawals\"",
"file_name": "Rulesets Manual.pdf",
"page_label": "289"
},
{
"id": "0bfdf262-b140-4260-8f5b-cfba2d073c9a",
"text": "\"System Reference Manual \\n \\n \\n \\n\\u00a9 2023 NTT DATA, Inc. | Proprietary and Confidential | July 5, 2024 1613 \\n \\n \\nSHADOW ACCT COI RATING \\n6. METHOD \\nTwo position code describing the type of premium entry or the basis of the premium \\nentry. The METHOD is used to access the Premium Rate Factor File which is available \\nthrough Rate Maintenance (94) screen. Input is required (in all four occurrences), valid \\nvalues include: \\n 00 not used \\n 01 premium rate by flat amount per volume of coverage (included in \\nsubstandard premium calculations) \\n 02 first year additional deposit \\n 03 flat annual premium amount \\n 05 expense charge \\n 06 current and guaranteed COI by percentage of total target premium of all \\ninsureds\\u2019 coverages (included in substandard calculations) \\n 07 policy fee plus account value load defined on COI Ruleset \\n 08 pass requested payment amount for external calculation \\n 09 pass initial lump sum for external calculation \\n 10 pass requested payment amount and initial lump sum for external \\ncalculation \\n 11 premium rate by percentage of total premium of an insureds\\u2019 coverages \\n(included in substandard calculations) \\n 13 premium rate by flat amount per volume of coverage (not included in \\nsubstandard premium calculation for substandard type 30). \\n 15 flat amount additional load (added to the fund at time of premium \\npayment and deducted at time of COI deduction) \\n 20 premium rate by percentage of total COI of contract benefit amount = total \\nunits of contract, for use of SBC\\u2019s only \\n 50 premium rate by flat amount per volume of coverage (percent \\nsubstandard is a percent of first year COI rate) \\n 90 minimum premium \\n 91 maximum premium \\n \\n7. RATEKEY \\nSix position field identifying the set of Rates to access during the calculation of \\npremiums for this plan. The RATEKEY field may be used to allow several plans to \\nreference the same Rate Record as well as allowing a specific set of Rates to be \\nestablished for a specific plan. Valid entry into the RATEKEY field includes: \\nblank when not applicable or \\nany other value (up to six positions) to access a specific set of \\nrates\"",
"file_name": "System Reference-General Maintenance.pdf",
"page_label": "445"
},
{
"id": "975c6844-84bc-4558-a5a8-c55d7dc5da78",
"text": "\"LifeSys General Information \\n \\n \\n \\n\\u00a9 2022 NTT DATA, Inc. | Proprietary and Confidential | April 20, 2020 29 \\n \\n \\nInsurance Formulas \\nThe following pages contain formulas applicable to insurance processing. \\n \\nSeven Pay Premium \\nVariable Fields: \\nDB: initial death benefit for new issues, or \\nreduced death benefit for reductions, or \\nnew death benefit for material changes \\nM: insurance benefit commutation function - represents value/cost of insurance coverage to \\nprovide payment in year of death \\nD: endowment commutation function - represents value/cost of payment in specified year if \\npolicyholder is alive \\nN: annuity commutation function - represents value/cost of yearly payment while \\npolicyholder is alive, as in premium payments by policyholder for insurance coverage or \\nannuity payments to policyholder while alive; in effect, this is the same as endowment \\npayments each year the policyholder is alive (rather than only in a specified year or at a \\nspecified age) \\nX: issue age for new issue and scheduled reduction within the first seven years, or \\nattained age for material changes \\nZ: maturity age \\nPVRC: present value of rider charges \\nCV: cash value from the rollover or 1035 exchange \\nNSP: net single premium for future benefits \\nC1: sum of rider charges for first year \\nC2: sum of rider charges for second year \\nCK: sum of rider charges for kth year \\nK: duration of last year when rider charges exist \\n \\nI. Basic seven-pay premium \\n \\nSPP = DB * (Mx - Mz + Dz) + PVRC \\nNx - Nx+7 \\n \\nII. Seven-pay premium with rollover monies or as 1035 exchange \\n \\nNOTE: OPT-C (9) on the Company Reference file indicates whether to use formula one or two. \\n \\nSPP = (DB * (Mx - Mz+ Dz) + PVRC) * (1 - CV/NSP)\"",
"file_name": "LifeSys General Information.pdf",
"page_label": "29"
},
{
"id": "fe8f4821-d992-42a8-8283-9127dd218c2b",
"text": "\"System Reference Manual \\n \\n \\n \\n\\u00a9 2023 NTT DATA, Inc. | Proprietary and Confidential | July 5, 2024 1016 \\n \\n \\n2. ANNUITY TYPE \\nThis is a client specific code that identifies the payout option associated with the benefit \\npayment. \\n101 Life Only \\n102 Life with Certain Period \\n103 Certain Period Only \\n104 Contingent Annuitant Annuity \\n107 Partial Cash Refund \\n109 Installment Refund \\n111 Temporary Life \\n113 Spouse\\u2019s Benefit \\n114 CA, AN paid, L Sum Dth Ben Due Upon CA Dth \\n117 Full Cash Refund \\n118 Combination Cash Refund and Life \\n123 Social Security Adj with Life \\n126 Social Security Adj with Life and Certain Period \\n127 Social Security Adj with CA, AN in Pay Status \\n128 Life for AN, with Dth Ben Payable \\n135 CA Annuity with Guaranteed Payments \\n141 CA Annuity with POP-UP Provision \\n142 Escalator Life Annuity \\n150 Death Benefit \\u2013 Flat Amount \\n160 Joint & Last Survivor \\n165 J & S with Two Percents \\n170 J & S with Guaranteed Payments \\n201 Def \\u2013 Life Only \\n202 Def \\u2013 Life with Certain Period \\n203 Def \\u2013 Certain Period Only \\n204 Def \\u2013 Contingent Annuitant Annuity \\n211 Def \\u2013 Temporary Life \\n212 Def \\u2013 Spouse\\u2019s Benefit \\n228 Def \\u2013 Life for AN, Post Retire Dth to Benefit \\n260 Def \\u2013 Joint and Last Survivor \\n265 Def \\u2013 J & S with Two Percents \\n270 Def \\u2013 J & S with Guaranteed Payments \\n307 Def \\u2013 Partial Cash Refund \\n309 Def \\u2013 Installment Refund \\n350 Def \\u2013 Flat Death Benefit Only\"",
"file_name": "System Reference-LifeSys System Reference.pdf",
"page_label": "1016"
},
{
"id": "9038a48b-dfd9-4c34-8576-341883c123a8",
"text": "\"System Reference Manual \\n \\n \\n \\n\\u00a9 2023 NTT DATA, Inc. | Proprietary and Confidential | July 5, 2024 1545 \\n \\n \\n \\n21. MONTHLY SALARY \\nThis field indicates if the MO. SALARY field in New Business is required. Valid values \\nare: \\n001 not required \\n002 required and monthly salary must be greater than zero \\n \\nThis field is used in conjunction with Automatic Underwriting \\n \\n22. REPLACEMENT SIGNATURE \\n This field contains a three-digit indicator for Replacement Signature requirement. Valid \\nvalues are: \\n 001 required \\n 002 not required \\n \\n23. BENEFIT OPTION \\n This field contains a three-digit Benefit Option requirement indicator. Valid values are: \\n 001 required \\n 002 not required \\n \\n24. FIRST COV AMT COMPARE \\n This field contains a three-digit indicator for comparing requested payment against either \\nCOI, minimum or target premium. This field is only used on plans that allow flexible \\nbilling. Valid values are: \\n 001 use requested payment as is \\n 002 COI \\n 003 COI plus initial lump sum \\n 004 minimum \\n 005 minimum and initial lump sum \\n 006 target \\n 007 target and initial lump sum \\n 008 current premium \\n 009 current premium and initial lump sum\"",
"file_name": "System Reference-LifeSys System Reference.pdf",
"page_label": "1545"
},
{
"id": "ec9ad637-2e32-4260-abf8-ceab6a238a4f",
"text": "\"System Reference Manual \\n \\n \\n \\n\\u00a9 2023 NTT DATA, Inc. | Proprietary and Confidential | July 5, 2024 1545 \\n \\n \\n \\n21. MONTHLY SALARY \\nThis field indicates if the MO. SALARY field in New Business is required. Valid values \\nare: \\n001 not required \\n002 required and monthly salary must be greater than zero \\n \\nThis field is used in conjunction with Automatic Underwriting \\n \\n22. REPLACEMENT SIGNATURE \\n This field contains a three-digit indicator for Replacement Signature requirement. Valid \\nvalues are: \\n 001 required \\n 002 not required \\n \\n23. BENEFIT OPTION \\n This field contains a three-digit Benefit Option requirement indicator. Valid values are: \\n 001 required \\n 002 not required \\n \\n24. FIRST COV AMT COMPARE \\n This field contains a three-digit indicator for comparing requested payment against either \\nCOI, minimum or target premium. This field is only used on plans that allow flexible \\nbilling. Valid values are: \\n 001 use requested payment as is \\n 002 COI \\n 003 COI plus initial lump sum \\n 004 minimum \\n 005 minimum and initial lump sum \\n 006 target \\n 007 target and initial lump sum \\n 008 current premium \\n 009 current premium and initial lump sum\"",
"file_name": "System Reference-General Maintenance.pdf",
"page_label": "377"
},
{
"id": "a597a485-e6bf-48b7-9f8b-ca7d405b1865",
"text": "\"System Reference Manual \\n \\n \\n \\n\\u00a9 2023 NTT DATA, Inc. | Proprietary and Confidential | July 5, 2024 1010 \\n \\n \\n2. ANNUITY TYPE \\nThis is a client specific code that indicates the payout option associated with annuity \\nbenefit payments. \\n101 Life Only \\n102 Life with Certain Period \\n103 Certain Period Only \\n104 Contingent Annuitant Annuity \\n107 Partial Cash Refund \\n109 Installment Refund \\n111 Temporary Life \\n113 Spouse\\u2019s Benefit \\n114 CA, AN paid, L Sum Dth Ben Due Upon CA Dth \\n117 Full Cash Refund \\n118 Combination Cash Refund and Life \\n123 Social Security Adj with Life \\n126 Social Security Adj with Life and Certain Period \\n127 Social Security Adj with CA, AN in Pay Status \\n128 Life for AN, with Dth Ben Payable \\n135 CA Annuity with Guaranteed Payments \\n141 CA Annuity with POP-UP Provision \\n142 Escalator Life Annuity \\n150 Death Benefit \\u2013 Flat Amount \\n160 Joint & Last Survivor \\n165 J & S with Two Percents \\n170 J & S with Guaranteed Payments \\n201 Def \\u2013 Life Only \\n202 Def \\u2013 Life with Certain Period \\n203 Def \\u2013 Certain Period Only \\n204 Def \\u2013 Contingent Annuitant Annuity \\n211 Def \\u2013 Temporary Life \\n212 Def \\u2013 Spouse\\u2019s Benefit \\n228 Def \\u2013 Life for AN, Post Retire Dth to Benefit \\n260 Def \\u2013 Joint and Last Survivor \\n265 Def \\u2013 J & S with Two Percents \\n270 Def \\u2013 J & S with Guaranteed Payments \\n307 Def \\u2013 Partial Cash Refund \\n309 Def \\u2013 Installment Refund \\n350 Def \\u2013 Flat Death Benefit Only\"",
"file_name": "System Reference-LifeSys System Reference.pdf",
"page_label": "1010"
},
{
"id": "c1d8a023-ded4-41a8-9c06-10a65f5d3507",
"text": "\"Valid values are:\\r\\\"001\\\" - not required\\r\\\"002\\\" - use method = c (bom, pac, eft) and mode = 4 (quarterly)\\r\\\"003\\\" - use method = d (salsa) and mode = 4 (quarterly)\\r\\\"004\\\" - use method = 02 and mode = 12 (monthly)\\r\\\"005\\\" - use method = 05 and mode = 12 (monthly)\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007100 - guaranteed premium code. Valid values are:\\r\\\"001\\\" - not required\\r\\\"002\\\" - calculate guaranteed premium\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007101 - guideline premium calculation code. Valid values are:\\r\\\"001\\\" - not required\\r\\\"002\\\" - calculate guideline premium\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007102 - surrender charge premium code. Valid values are:\\r\\\"001\\\" - not required\\r\\\"002\\\" - calculate surrender charge premium\\r003 equals target premium\\r004 equals minimum premium\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007103 - face amount/monthly benefit or units printing on policy pages code. Valid values are:\\r\\\"001\\\" - not required or don't print\\r\\\"002\\\" - print face amount/monthly benefit on policy pages\\r\\\"003\\\" - print units on policy pages\\r\\\"004\\\" - print ultimate face amount/monthly benefit on policy pages from face amount field\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007104 - annual premium/cost of benefit printing on policy pages code. Valid values are:\\r\\\"001\\\" - not required or don't print\\r\\\"002\\\" - print annual premium on policy pages\\r\\\"003\\\" - print cost of benefit as a percentage = annual premium of prior coverage/annual premium of this coverage rounded (.0758 would be printed as 7.6%)\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007105 - special wording for percent of monthly deduction on policy pages code. Valid values are:\\r\\\"001\\\" - not required\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\\"002\\\" - print message *percent of monthly deduction - see monthly deduction rider for explanation. on policy pages (printed in connection with occurrence 104 code \\\"003\\\")\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007106 - critical/change date wording on conversion to policy system code. Note that these values are actually used in NBS299 which stores the actual message and applies it to the CG. Valid values are:\\r001 - not required\\r002 - use message APPLY PREMIUM CHARGE\\r003 - use message FUND REINVESTMENT\\r004 - use message ROP BENEFIT PAYOUT\\r005 - use message MAKE RSA, CHG PLAN OPT AND BLK\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007107 - set critical/change date based on the following method code. Valid values are:\\r001 - not required\\r002 - advance issue date by number of years specified in occurrence 108\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007108 - value for calculating critical/change date. This field contains any numeric value when used. Initialization of one is acceptable.\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007109 GI AMT\\rThis field contains a three-digit code used to determine if a check should be performed to determine if GI (guaranteed issue) limits have been exceeded before validating the height/weight limits. Valid values are:\\r001 Not required\\r002 - Required\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007109110 - Currently not in use. Must be 001.\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007111 - cost index indicator code. Valid values are:\\r\\\"001\\\" - not required\\r\\\"002\\\" - calculate cost index\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007112 - schedule of total premium calculation on policy pages code. Used for annual, semi-annual and quarterly premiums only. Valid values are:\\r\\\"001\\\" - not required\\r\\\"002\\\" - calculate using policy billing method.\\r\\\"003\\\" - calculate using \\\"01\\\" billing method as a substitute method.\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007113115 - Currently not in use. Must be 001.\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007\\u0007116 - Minimum premium payment period amount.\""
},
{
"id": "7bf65256-12b5-4e3f-bbf1-87058f879258",
"text": "\"Rulesets Manual \\n \\n \\n \\n\\u00a9 2022 NTT DATA, Inc. | Proprietary and Confidential | September 12, 2024 292 \\n \\n \\nThis is the date plan data is in effect. The date must be MMDDYYYY format. This field \\ncannot be blank. \\n \\nAS OF DATE \\nThis is the issue date of the policy when coming from any of the Policy Maintenance \\nseries of screens. \\n \\nANNUITIZATION DEATH BENEFIT CONTROLS \\nCALCULATION METHOD \\nThis field indicates the base used in calculation of the GMDB rider death benefit. Valid \\nvalues are: \\nBlank or 01 Use lump sum and annuitization benefit controls to calculate death \\nbenefit \\n02 Use Guaranteed Minimum Withdrawal Benefit (GMWB) rider \\nincome base as death benefit base \\n03 Use Guaranteed Miimum Withdrawal Benefit (GMWB) rider \\nincome base value as the death benefit base. Stops calculating \\nwhen withdrawal period begins. \\n \\nIf the CALCULATION METHOD is \\u201c02\\u201d for LUMP SUM CONTROLS, the \\nCALCULATION METHOD must be \\u201c02\\u201d for ANNUITIZATION CONTROLS also. \\n \\nANNUITIZATION PAYOUT \\nThis field contains the eight position ruleset that points to the GMDB Annuitization \\nPayout Controls (GMDAPC) Ruleset. Pressing F6 on this value will transfer the user to \\nthe GMDB Annuitization Payout Controls (GMDAPC) Ruleset. \\n \\nBENEFIT BEGIN \\nThis field indicates the length of time (in years) before the death benefit is calculated and \\navailable. Valid values are: \\nBlank Not applicable \\n01-99 Number of years \\n \\nBENEFIT PERCENT \\nThis field indicates Enhanced Death Benefit Factor used in calculating the Enhanced \\nDeath Benefit Amount. Valid values are 0.0000-1.0000 or blank.\"",
"file_name": "Rulesets Manual.pdf",
"page_label": "292"
},
{
"id": "de4e15be-0e30-468d-b732-6f30fc413b83",
"text": "\"System Reference Manual \\n \\n \\n \\n\\u00a9 2023 NTT DATA, Inc. | Proprietary and Confidential | July 5, 2024 544 \\n \\n \\n17. ENHANCED MAX BENEFIT \\nThis field contains the calculated enhanced income threshold amount. If the valuation \\ndate is prior to the first occurrence of payout start date, the field will be blank. This field \\nwill only display when the policy has an EIWB rider and the ENHANCED MAX \\nPAYMENT CALCULATION METHOD control is \\u201c02\\u201d. \\n \\n18. ENHANCED BNFT REMAIN \\nThis field displays the enhanced income threshold amount remaining as of the valuation \\ndate. If the valuation date is prior to the first occurrence of the enhanced payout start \\ndate, this field will be blank. This field will only display when a policy has an EIWB rider \\nand ENHANCED MAX PAYMENT CALCULATION METHOD control is \\u201c02\\u201d. \\n \\n19. PAYOUT AMOUNT \\nThis value is the Guaranteed Minimum Withdrawal Benefit (MWB) rider total Guaranteed \\nWithdrawal Payment (GWP) amount. This value is based on the income base at the \\nbeginning of the policy year times the payout factor from the GWP Ruleset. For a policy \\nwith an EIWB rider and the valuation date is within a start/end payment date range, this \\nfield will display annual calculated enhanced income amount. \\n \\n20. ESTIMATED PAYOUT \\nThis value is the Guaranteed Minimum Withdrawal Benefit (GMWB) rider total \\nGuaranteed Withdrawal Payment (GWP) amount. This value is based on the income \\nbase at the beginning of the policy year times the payout factor from the GWP Ruleset. \\n \\n21. AMOUNT PAID \\nThis value is the total Guaranteed Withdrawal Payment (GWP) that has been paid since \\nthe beginning of the current policy year. All gross withdrawals made during the policy \\nyear are included in this amount. \\n \\n22. ESTIMATED ENHANCED \\nThis value is the estimated annual enhanced income amount. When the valuation date is \\nafter the first occurrence of the start date, this field will be suppressed. \\n \\n23. PAYOUT REMAINING \\nThis value is the remaining Guaranteed Withdrawal Payment (GWP) for the current \\npolicy year. This is based on the TOTAL GMP minus the GWP PAID. If this value is \\ncalculated as a negative number, this field will display \\u201c0.00\\u201d. \\n \\n Revised Q214\"",
"file_name": "System Reference-LifeSys System Reference.pdf",
"page_label": "544"
},
{
"id": "b335b726-1a7e-4954-a5f8-afa068398c9f",
"text": "\"System Reference Manual \\n \\n \\n \\n\\u00a9 2023 NTT DATA, Inc. | Proprietary and Confidential | July 5, 2024 1573 \\n \\n \\n14. DESIGNATED AMT \\n Seven position numeric additional amount to be used in the death benefit calculation (for \\ndeath benefit option 1). The death benefit equals the larger of face or (fund + designated \\namt). \\n \\nNOTE: See Policy Maintenance (21/7) Screen, Universal Life Face Amount Maintenance, field \\nCURR OPT for specific calculation. \\n \\n15. COI TIMING METHOD \\n This field indicates if the system should allow COI to be deducted at the end of the policy \\nmonth or year instead of on the COI due date. \\n 1 deduct COI on the COI due date \\n 2 delay COI deduction until the end of the policy month when the COI mode \\nis monthly, or the end of the policy year when the COI mode is annual \\n \\nNOTE: This control may only be \\u201c2\\u201d when COI DEDUCTION MODE is \\u201c2\\u201d or \\u201c5\\u201d, and COI \\nCALCULATE MODE is \\u201c0\\u201d, \\u201c1\\u201d or \\u201c12\\u201d. \\n \\n16. GDLN RECALC MTHD \\nThis field will indicate the recalculation method to be used when a policy change occurs. \\nValid values are: \\n001 Not applicable \\n002 Recalculate guideline premium using LifeSys method \\n003 Recalculate guideline premium using Dole-Bentsen method \\n \\n17. ASSUMED PREMIUM \\nThis field indicates if assumed premium is allowed and the formula to calculate assumed \\npremium. \\n 1 do not allow \\n 2 allow amount of assumed deposits = (sum of current SBC prems + basic \\nprem) * mode \\n 3 allow amount of assumed deposit = lap + prem of COI SBC\\u2019s \\n \\nThis control may only be \\u201c2\\u201d or \\u201c3\\u201d when COI DEDUCTION MTHD is \\u201c2\\u201d. \\n \\n18. CVAT/CORR METHOD \\nOne position code controlling which factor to use in the calculation of the Death Benefit \\nAmount and NAR which is associated with the COI calculation. When GUIDELINE \\nPREM CALC is \\u201c2\\u201d, this field must be a value of \\u201c1\\u201d. \\n1 Use CVAT factors if they exist for Death Benefit Amount and NAR.\"",
"file_name": "System Reference-LifeSys System Reference.pdf",
"page_label": "1573"
},
{
"id": "9c451d86-e609-4962-877b-e4d406c76068",
"text": "\"System Reference Manual \\n \\n \\n \\n\\u00a9 2023 NTT DATA, Inc. | Proprietary and Confidential | July 5, 2024 1573 \\n \\n \\n14. DESIGNATED AMT \\n Seven position numeric additional amount to be used in the death benefit calculation (for \\ndeath benefit option 1). The death benefit equals the larger of face or (fund + designated \\namt). \\n \\nNOTE: See Policy Maintenance (21/7) Screen, Universal Life Face Amount Maintenance, field \\nCURR OPT for specific calculation. \\n \\n15. COI TIMING METHOD \\n This field indicates if the system should allow COI to be deducted at the end of the policy \\nmonth or year instead of on the COI due date. \\n 1 deduct COI on the COI due date \\n 2 delay COI deduction until the end of the policy month when the COI mode \\nis monthly, or the end of the policy year when the COI mode is annual \\n \\nNOTE: This control may only be \\u201c2\\u201d when COI DEDUCTION MODE is \\u201c2\\u201d or \\u201c5\\u201d, and COI \\nCALCULATE MODE is \\u201c0\\u201d, \\u201c1\\u201d or \\u201c12\\u201d. \\n \\n16. GDLN RECALC MTHD \\nThis field will indicate the recalculation method to be used when a policy change occurs. \\nValid values are: \\n001 Not applicable \\n002 Recalculate guideline premium using LifeSys method \\n003 Recalculate guideline premium using Dole-Bentsen method \\n \\n17. ASSUMED PREMIUM \\nThis field indicates if assumed premium is allowed and the formula to calculate assumed \\npremium. \\n 1 do not allow \\n 2 allow amount of assumed deposits = (sum of current SBC prems + basic \\nprem) * mode \\n 3 allow amount of assumed deposit = lap + prem of COI SBC\\u2019s \\n \\nThis control may only be \\u201c2\\u201d or \\u201c3\\u201d when COI DEDUCTION MTHD is \\u201c2\\u201d. \\n \\n18. CVAT/CORR METHOD \\nOne position code controlling which factor to use in the calculation of the Death Benefit \\nAmount and NAR which is associated with the COI calculation. When GUIDELINE \\nPREM CALC is \\u201c2\\u201d, this field must be a value of \\u201c1\\u201d. \\n1 Use CVAT factors if they exist for Death Benefit Amount and NAR.\"",
"file_name": "System Reference-General Maintenance.pdf",
"page_label": "405"
},
{
"id": "5449ed96-ba96-40c0-baf7-a219108d1032",
"text": "\"System Reference Manual \\n \\n \\n \\n\\u00a9 2022 NTT DATA, Inc. | Proprietary and Confidential | April 20 2020 538 \\n \\n \\n17. ENHANCED MAX BENEFIT \\nThis field contains the calculated enhanced income threshold amount. If the valuation \\ndate is prior to the first occurrence of payout start date, the field will be blank. This field \\nwill only display when the policy has an EIWB rider and the ENHANCED MAX \\nPAYMENT CALCULATION METHOD control is \\u201c02\\u201d. \\n \\n18. ENHANCED BNFT REMAIN \\nThis field displays the enhanced income threshold amount remaining as of the valuation \\ndate. If the valuation date is prior to the first occurrence of the enhanced payout start \\ndate, this field will be blank. This field will only display when a policy has an EIWB rider \\nand ENHANCED MAX PAYMENT CALCULATION METHOD control is \\u201c02\\u201d. \\n \\n19. PAYOUT AMOUNT \\nThis value is the Guaranteed Minimum Withdrawal Benefit (MWB) rider total Guaranteed \\nWithdrawal Payment (GWP) amount. This value is based on the income base at the \\nbeginning of the policy year times the payout factor from the GWP Ruleset. For a policy \\nwith an EIWB rider and the valuation date is within a start/end payment date range, this \\nfield will display annual calculated enhanced income amount. \\n \\n20. ESTIMATED PAYOUT \\nThis value is the Guaranteed Minimum Withdrawal Benefit (GMWB) rider total \\nGuaranteed Withdrawal Payment (GWP) amount. This value is based on the income \\nbase at the beginning of the policy year times the payout factor from the GWP Ruleset. \\n \\n21. AMOUNT PAID \\nThis value is the total Guaranteed Withdrawal Payment (GWP) that has been paid since \\nthe beginning of the current policy year. All gross withdrawals made during the policy \\nyear are included in this amount. \\n \\n22. ESTIMATED ENHANCED \\nThis value is the estimated annual enhanced income amount. When the valuation date is \\nafter the first occurrence of the start date, this field will be suppressed. \\n \\n23. PAYOUT REMAINING \\nThis value is the remaining Guaranteed Withdrawal Payment (GWP) for the current \\npolicy year. This is based on the TOTAL GMP minus the GWP PAID. If this value is \\ncalculated as a negative number, this field will display \\u201c0.00\\u201d. \\n \\n Revised Q214\"",
"file_name": "System Reference-Policy Maintenance.pdf",
"page_label": "343"
},
{
"id": "9513866b-f125-4b35-9e12-f1c9ab41a43f",
"text": "\"System Reference Manual \\n \\n \\n \\n\\u00a9 2023 NTT DATA, Inc. | Proprietary and Confidential | July 5, 2024 1558 \\n \\n \\n4. SUB TYPE \\n Subtype of plan record. Do not enter on this screen. \\n \\n5. EFFECTIVE DATE \\n Date plan data is in effect. Do not enter on this screen. \\n \\nCURRENT PREMIUM RATING ENTRIES \\n6. METHOD \\n This field contains a two position code describing the type of premium entry or the basis \\nof the premium entry. The METHOD is used to access the Premium Rate Factor File \\n(available through 94 screen). Input is required (in all four occurrences), valid values \\ninclude: \\n 00 not used \\n 01 premium rate by flat amount per volume of coverage (included in \\nsubstandard premium calculations) \\n 02 first year additional deposit \\n 03 flat annual premium amount \\n 05 expense charge \\n 06 waiver of target - COI rate by percentage of total target premium of all \\ninsureds coverages (allowed on current and guaranteed COI tables only) \\n(included in substandard calculations) \\n 07 policy fee plus account value load defined on COI Ruleset \\n 08 pass requested payment amount for external calculation \\n 09 pass initial lump sum for external calculation \\n 10 pass requested payment amount and initial lump sum for external \\ncalculation \\n 11 premium rate by percentage of total premium of an insureds\\u2019 coverages \\n(included in substandard calculations) \\n 13 premium rate by flat amount per volume of coverage (not included in \\nsubstandard premium calculation for substandard type 30) \\n 14 mode policy fee \\n 15 flat amount additional load (added to the fund at time of premium \\npayment and deducted at time of COI deduction) \\n 16 minimum and target premium rate by percentage of total target premium \\nof all insured\\u2019s coverages, excluding waiver \\n 18 used only for return of premium defined as an additional benefit. The \\npremium rate (defined as a dollar amount) x the total of the premium for \\nthe insured\\u2019s basic coverage + all other coverages defined as additional \\nbenefits (excludes any other SBC\\u2019s and charge codes) \\n 50 premium rate by flat amount per volume of coverage (percent \\nsubstandard is a percent of first year COI rate)\"",
"file_name": "System Reference-General Maintenance.pdf",
"page_label": "390"
},
{
"id": "f30abd38-6d95-4bc3-be27-a336391cd640",
"text": "\"System Reference Manual \\n \\n \\n \\n\\u00a9 2023 NTT DATA, Inc. | Proprietary and Confidential | July 5, 2024 1558 \\n \\n \\n4. SUB TYPE \\n Subtype of plan record. Do not enter on this screen. \\n \\n5. EFFECTIVE DATE \\n Date plan data is in effect. Do not enter on this screen. \\n \\nCURRENT PREMIUM RATING ENTRIES \\n6. METHOD \\n This field contains a two position code describing the type of premium entry or the basis \\nof the premium entry. The METHOD is used to access the Premium Rate Factor File \\n(available through 94 screen). Input is required (in all four occurrences), valid values \\ninclude: \\n 00 not used \\n 01 premium rate by flat amount per volume of coverage (included in \\nsubstandard premium calculations) \\n 02 first year additional deposit \\n 03 flat annual premium amount \\n 05 expense charge \\n 06 waiver of target - COI rate by percentage of total target premium of all \\ninsureds coverages (allowed on current and guaranteed COI tables only) \\n(included in substandard calculations) \\n 07 policy fee plus account value load defined on COI Ruleset \\n 08 pass requested payment amount for external calculation \\n 09 pass initial lump sum for external calculation \\n 10 pass requested payment amount and initial lump sum for external \\ncalculation \\n 11 premium rate by percentage of total premium of an insureds\\u2019 coverages \\n(included in substandard calculations) \\n 13 premium rate by flat amount per volume of coverage (not included in \\nsubstandard premium calculation for substandard type 30) \\n 14 mode policy fee \\n 15 flat amount additional load (added to the fund at time of premium \\npayment and deducted at time of COI deduction) \\n 16 minimum and target premium rate by percentage of total target premium \\nof all insured\\u2019s coverages, excluding waiver \\n 18 used only for return of premium defined as an additional benefit. The \\npremium rate (defined as a dollar amount) x the total of the premium for \\nthe insured\\u2019s basic coverage + all other coverages defined as additional \\nbenefits (excludes any other SBC\\u2019s and charge codes) \\n 50 premium rate by flat amount per volume of coverage (percent \\nsubstandard is a percent of first year COI rate)\"",
"file_name": "System Reference-LifeSys System Reference.pdf",
"page_label": "1558"
},
{
"id": "400c8ec9-0d5d-400e-822c-bc69c66e229d",
"text": "\"Rulesets Manual \\n \\n \\n \\n\\u00a9 2022 NTT DATA, Inc. | Proprietary and Confidential | September 12, 2024 289 \\n \\n \\nSTOP ACCUM AT GMWB PAYOUT \\nThis field indicates whether or not the GMDB Lump Sum Death Benefit value continues \\nto accumulate once GMWB payments begin. Valid values are: \\nBlank or N Do not stop accumulating lump sum value once GMWB payments \\nbegin \\nY Stop accumulating lump sum value once GMWB payments begin \\n \\nPREMIUM TYPE \\nThis field indicates the type of premium included in the death benefit calculation. Valid \\nvalues are: \\nBlank or 01 Include all premium received on the policy \\n02 Include only initial premium received on the policy \\n \\nPREMIUM BONUS MTHD \\nThis field indicates the method to include premium bonus. Valid values are: \\nBlank or 01 Add premium bonus to income base as it is vested \\n02 Entire premium bonus is added at the same time as the premium \\n(even if it\\u2019s a vested bonus) \\n03 Premium bonus is not added to income base \\n \\nINTEREST METHOD \\nThis field indicates how the interest rate is calculated. Valid values are: \\nBlank Not applicable \\nSI Simple Interest \\nCD Compound Daily \\n \\nMAX DEATH BENEFIT AGE \\nThis field indicates the age at which the premium bonus will stop growing. This will be \\nthe end of the accumulation period if it is prior to the ACCUMULATION PERIOD number \\nof years. Valid values are blank (not applicable), and 001-125. \\n \\nINTEREST BASE REDUCE BY \\nThis field indicates the principal base calculation for death benefit base. Valid values are: \\nBlank or 01 Reduce same proportion as reducing death benefit base \\n02 Reduce by gross withdrawals\"",
"file_name": "Rulesets Manual.pdf",
"page_label": "289"
},
{
"id": "6bd0a82a-c6dd-4e66-8618-067834719844",
"text": "\"System Reference Manual \\n \\n \\n \\n\\u00a9 2023 NTT DATA, Inc. | Proprietary and Confidential | July 5, 2024 1606 \\n \\n \\n15. STACKBY \\n See STACKBY codes for TYPE \\u201c100\\u201d-\\u201c199\\u201d SUB TYPE \\u201c300\\u201d, Screen. \\n \\n16. GUARANTEED COI WP EXCLUSION TABLE \\n A table of up to 3 SBCs that may be excluded from the waiver of premium calculation. \\nThe exclusion is used only for waiver plans using premium rating method 11. \\n \\nNOTE: Excluded SBC\\u2019s should be coded on waiver\\u2019s plan record (i.e. Plan File Maintenance \\n(95) screen 120/302 record). \\n \\nCURRENT COI RATING (4 occurrences) \\n17. METHOD \\n Two position code describing the type of premium entry or the basis of the premium \\nentry. The METHOD is used to access the Premium Rate Factor File (available through \\n94 screen). Input is required (in all four occurrences), valid values include: \\n 00 not used \\n 01 premium rate by flat amount per volume of coverage (included in \\nsubstandard premium calculations) \\n 02 first year additional deposit \\n 03 flat annual premium amount \\n 05 expense charge \\n 06 current and guaranteed COI by percentage of total target premium of all \\ninsureds\\u2019 coverages (included in substandard calculations) \\n 07 policy fee plus account value load defined on COI Ruleset \\n 08 pass requested payment amount for external calculation \\n 09 pass initial lump sum for external calculation \\n 10 pass requested payment amount and initial lump sum for external \\ncalculation \\n 11 premium rate by percentage of total premium of an insureds\\u2019 coverages \\n(included in substandard calculations) \\n 13 premium rate by flat amount per volume of coverage (not included in \\nsubstandard premium calculation for substandard type 30). \\n 15 flat amount additional load (added to the fund at time of premium \\npayment and deducted at time of COI deduction) \\n 20 premium rate by percentage of total COI of contract benefit amount = total \\nunits of contract, for use of SBC\\u2019s only. SBC 20s benefit is total COI units \\nof contract \\n 21 premium rate by percentage of total COI of contract benefit amount = total \\nCOI of contract, for use of SBCs only. SBC 20s benefit is total COI \\namount on contract.\"",
"file_name": "System Reference-LifeSys System Reference.pdf",
"page_label": "1606"
},
{
"id": "f62ade81-8be2-4f26-8501-c87b27eb8316",
"text": "\"System Reference Manual \\n \\n \\n \\n\\u00a9 2023 NTT DATA, Inc. | Proprietary and Confidential | July 5, 2024 1606 \\n \\n \\n15. STACKBY \\n See STACKBY codes for TYPE \\u201c100\\u201d-\\u201c199\\u201d SUB TYPE \\u201c300\\u201d, Screen. \\n \\n16. GUARANTEED COI WP EXCLUSION TABLE \\n A table of up to 3 SBCs that may be excluded from the waiver of premium calculation. \\nThe exclusion is used only for waiver plans using premium rating method 11. \\n \\nNOTE: Excluded SBC\\u2019s should be coded on waiver\\u2019s plan record (i.e. Plan File Maintenance \\n(95) screen 120/302 record). \\n \\nCURRENT COI RATING (4 occurrences) \\n17. METHOD \\n Two position code describing the type of premium entry or the basis of the premium \\nentry. The METHOD is used to access the Premium Rate Factor File (available through \\n94 screen). Input is required (in all four occurrences), valid values include: \\n 00 not used \\n 01 premium rate by flat amount per volume of coverage (included in \\nsubstandard premium calculations) \\n 02 first year additional deposit \\n 03 flat annual premium amount \\n 05 expense charge \\n 06 current and guaranteed COI by percentage of total target premium of all \\ninsureds\\u2019 coverages (included in substandard calculations) \\n 07 policy fee plus account value load defined on COI Ruleset \\n 08 pass requested payment amount for external calculation \\n 09 pass initial lump sum for external calculation \\n 10 pass requested payment amount and initial lump sum for external \\ncalculation \\n 11 premium rate by percentage of total premium of an insureds\\u2019 coverages \\n(included in substandard calculations) \\n 13 premium rate by flat amount per volume of coverage (not included in \\nsubstandard premium calculation for substandard type 30). \\n 15 flat amount additional load (added to the fund at time of premium \\npayment and deducted at time of COI deduction) \\n 20 premium rate by percentage of total COI of contract benefit amount = total \\nunits of contract, for use of SBC\\u2019s only. SBC 20s benefit is total COI units \\nof contract \\n 21 premium rate by percentage of total COI of contract benefit amount = total \\nCOI of contract, for use of SBCs only. SBC 20s benefit is total COI \\namount on contract.\"",
"file_name": "System Reference-General Maintenance.pdf",
"page_label": "438"
},
{
"id": "5449ed96-ba96-40c0-baf7-a219108d1032",
"text": "\"System Reference Manual \\n \\n \\n \\n\\u00a9 2022 NTT DATA, Inc. | Proprietary and Confidential | April 20 2020 538 \\n \\n \\n17. ENHANCED MAX BENEFIT \\nThis field contains the calculated enhanced income threshold amount. If the valuation \\ndate is prior to the first occurrence of payout start date, the field will be blank. This field \\nwill only display when the policy has an EIWB rider and the ENHANCED MAX \\nPAYMENT CALCULATION METHOD control is \\u201c02\\u201d. \\n \\n18. ENHANCED BNFT REMAIN \\nThis field displays the enhanced income threshold amount remaining as of the valuation \\ndate. If the valuation date is prior to the first occurrence of the enhanced payout start \\ndate, this field will be blank. This field will only display when a policy has an EIWB rider \\nand ENHANCED MAX PAYMENT CALCULATION METHOD control is \\u201c02\\u201d. \\n \\n19. PAYOUT AMOUNT \\nThis value is the Guaranteed Minimum Withdrawal Benefit (MWB) rider total Guaranteed \\nWithdrawal Payment (GWP) amount. This value is based on the income base at the \\nbeginning of the policy year times the payout factor from the GWP Ruleset. For a policy \\nwith an EIWB rider and the valuation date is within a start/end payment date range, this \\nfield will display annual calculated enhanced income amount. \\n \\n20. ESTIMATED PAYOUT \\nThis value is the Guaranteed Minimum Withdrawal Benefit (GMWB) rider total \\nGuaranteed Withdrawal Payment (GWP) amount. This value is based on the income \\nbase at the beginning of the policy year times the payout factor from the GWP Ruleset. \\n \\n21. AMOUNT PAID \\nThis value is the total Guaranteed Withdrawal Payment (GWP) that has been paid since \\nthe beginning of the current policy year. All gross withdrawals made during the policy \\nyear are included in this amount. \\n \\n22. ESTIMATED ENHANCED \\nThis value is the estimated annual enhanced income amount. When the valuation date is \\nafter the first occurrence of the start date, this field will be suppressed. \\n \\n23. PAYOUT REMAINING \\nThis value is the remaining Guaranteed Withdrawal Payment (GWP) for the current \\npolicy year. This is based on the TOTAL GMP minus the GWP PAID. If this value is \\ncalculated as a negative number, this field will display \\u201c0.00\\u201d. \\n \\n Revised Q214\"",
"file_name": "System Reference-Policy Maintenance.pdf",
"page_label": "343"
},
{
"id": "de4e15be-0e30-468d-b732-6f30fc413b83",
"text": "\"System Reference Manual \\n \\n \\n \\n\\u00a9 2023 NTT DATA, Inc. | Proprietary and Confidential | July 5, 2024 544 \\n \\n \\n17. ENHANCED MAX BENEFIT \\nThis field contains the calculated enhanced income threshold amount. If the valuation \\ndate is prior to the first occurrence of payout start date, the field will be blank. This field \\nwill only display when the policy has an EIWB rider and the ENHANCED MAX \\nPAYMENT CALCULATION METHOD control is \\u201c02\\u201d. \\n \\n18. ENHANCED BNFT REMAIN \\nThis field displays the enhanced income threshold amount remaining as of the valuation \\ndate. If the valuation date is prior to the first occurrence of the enhanced payout start \\ndate, this field will be blank. This field will only display when a policy has an EIWB rider \\nand ENHANCED MAX PAYMENT CALCULATION METHOD control is \\u201c02\\u201d. \\n \\n19. PAYOUT AMOUNT \\nThis value is the Guaranteed Minimum Withdrawal Benefit (MWB) rider total Guaranteed \\nWithdrawal Payment (GWP) amount. This value is based on the income base at the \\nbeginning of the policy year times the payout factor from the GWP Ruleset. For a policy \\nwith an EIWB rider and the valuation date is within a start/end payment date range, this \\nfield will display annual calculated enhanced income amount. \\n \\n20. ESTIMATED PAYOUT \\nThis value is the Guaranteed Minimum Withdrawal Benefit (GMWB) rider total \\nGuaranteed Withdrawal Payment (GWP) amount. This value is based on the income \\nbase at the beginning of the policy year times the payout factor from the GWP Ruleset. \\n \\n21. AMOUNT PAID \\nThis value is the total Guaranteed Withdrawal Payment (GWP) that has been paid since \\nthe beginning of the current policy year. All gross withdrawals made during the policy \\nyear are included in this amount. \\n \\n22. ESTIMATED ENHANCED \\nThis value is the estimated annual enhanced income amount. When the valuation date is \\nafter the first occurrence of the start date, this field will be suppressed. \\n \\n23. PAYOUT REMAINING \\nThis value is the remaining Guaranteed Withdrawal Payment (GWP) for the current \\npolicy year. This is based on the TOTAL GMP minus the GWP PAID. If this value is \\ncalculated as a negative number, this field will display \\u201c0.00\\u201d. \\n \\n Revised Q214\"",
"file_name": "System Reference-LifeSys System Reference.pdf",
"page_label": "544"
},
{
"id": "9038a48b-dfd9-4c34-8576-341883c123a8",
"text": "\"System Reference Manual \\n \\n \\n \\n\\u00a9 2023 NTT DATA, Inc. | Proprietary and Confidential | July 5, 2024 1545 \\n \\n \\n \\n21. MONTHLY SALARY \\nThis field indicates if the MO. SALARY field in New Business is required. Valid values \\nare: \\n001 not required \\n002 required and monthly salary must be greater than zero \\n \\nThis field is used in conjunction with Automatic Underwriting \\n \\n22. REP
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