Quoting Rating Services in Real-Time

Applied Rating Services is a comprehensive rating services portfolio that automates rating workflows. If your brokerage has a Rating Services subscription, you can use it to create quotes for Habitational and Personal/Commercial Auto policies. You can then upload the quotes to Applied Epic.

To learn how to upload a quote from Rating Services to Epic, see the Broker Management System Integration article in the Rating Services help file.

Note: If you have Rating Services 2022 or older versions installed, you must use the desktop version of Epic to complete quoting workflows started in Rating Services as integration to Applied Epic Browser Access is not supported.

You can initiate the quoting workflow from multiple areas within the system. If you are resuming work on a quote that you have already started in Rating Services (Recall Stored Quote), you must initiate the workflow from Real-Time. If you are performing the workflow for an existing policy (Quote Existing Policy) or if you are creating a new quote in Rating Services (New Quote), you can streamline the workflow by initiating it directly from the Policies list or Renewals Manager.

1. Initiate the quoting rating services workflow from one of the following areas:

• Policies list

  1. To access Accounts from the Home screen, do one of the following:
  • Click Accounts in the navigation panel
  • Click Areas > Accounts from the menubar
  • Click the Locate button on the options bar
  • Click the down arrow next to Home on the options bar and select Accounts.

  To access Accounts from another area of the program, do one of the following:

  • Click Home > Accounts on the menubar.

  • Click the Locate button on the options bar.

  • Click the down arrow next to Home on the options bar and select Accounts.

  2. Select Client in the Locate Account dropdown menu of the Account Locate screen.

  3. In the Locate by dropdown menu, select the appropriate option.

  Note: Location by phone number searches all phone numbers associated with client and contact accounts (e.g., residential, mobile, fax).

  4. Select the suitable checkbox or checkboxes to the right.

  • Insureds

  • Prospects

  • Active

  • Inactive

  5. Enter the first few letters of the name, lookup code, phone number, etc. (depending on the selection in the Locate by dropdown menu) and click Locate or press [Enter].

  6. The list displays all of the accounts that match the criteria you entered. Click on a column heading to sort the list by that category. For example, click the Last Name column heading to sort by last name in ascending order. To sort in descending order, click the Last Name column heading again.

  7. Highlight the client in the Results list and do one of the following:

  • Click the Edit button to the left of the list.

  • Click File > Open on the menubar.

  • Click Account Detail on the navigation panel.

  • Double click the client.

  • Press [Ctrl]+O.

  • Press [Enter].

  8. Click Policies on the navigation panel or Areas > Policies on the menubar.

  9. Select a policy supported by Applied Rating Services and do one of the following:  

  • Click Actions > Export to Applied Rating Services on the options bar.

  • Click Actions > Export to Applied Rating Services on the menubar.

  • Click the Export to Applied Rating Services button.

• Renewals Manager
  1. To access the Renewals Manager from the Home screen, do one of the following:
  • Click Renewals Manager on the navigation panel.
  • Click Areas > Renewal Manager on the menubar.
  • Click the down arrow next to Home on the options bar and select Renewals Manager.

  To access the Renewals Manager from another area of the program, do one of the following:

  • Click Home > Renewals Manager on the menubar.

  • Click the down arrow next to Home on the options bar and select Renewals Manager.

  2. Select a policy supported by Applied Rating Services and do one of the following:  

  • Click Actions > Export to Applied Rating Services on the options bar.

  • Click Actions > Export to Applied Rating Services on the menubar.

  • Click the Export to Applied Rating Services button.

• Real-Time
  1. To access Accounts from the Home screen, do one of the following:

  1. • Click Accounts on the navigation panel.
     • Click Areas > Accounts on the menubar.
     • Click the down arrow next to Home on the options bar and select Accounts.
     • Click Locate on the options bar.

  To access Accounts from another area of the program, do one of the following:

  • Click Home > Accounts on the menubar.
  • Click the down arrow next to Home on the options bar and select Accounts.
  • Click Locate on the options bar.

  2. In the Locate account dropdown menu, select Client.
  3. In the Locate by dropdown menu, select the appropriate option.

  4. Select the suitable checkbox or checkboxes to the right.

     • Insureds
     • Prospects
     • Active
     • Inactive
  5. Enter the first few letters of the name, policy number, phone number, etc. (depending on your Locate by selection) and press [Enter] or click Locate.
     
     Note: Location by phone number searches all phone numbers associated with client and contact accounts (e.g., residential, mobile, fax).
  6. The Results list displays all of the accounts that match the criteria you entered. Click on a column heading to sort the list by that category. For example, click the Last Name column heading to sort by last name in ascending order. To sort in descending order, click the Last Name column heading again.
  7. Click the Real-Time button on the options bar. The Real-Time Interface screen displays.
  8. Choose the Policy radio button.
  9. Choose Quote from the Commands dropdown menu.
  10. Select a policy supported by Applied Rating Services from the Policy List.
  11. Click Go.
  12. The following menu displays.

  

  1. Choose the action you wish to take.
  • Recall Stored Quote: Access a quote that you have already started in Rating Services.
  • Quote Existing Policy: Real-Time transmits policy details entered in your Applied Epic system to Rating Services so you can begin the quoting process on an existing policy.
  • New Quote: Real-Time transmits policy details from the client account or policy in Applied Epic so you can begin a new quote in Rating Services.
    
  2. Click OK when you have selected the applicable radio button, or click Cancel if you do not wish to continue with the integrated quoting process.
2. Applied Rating Services opens. Log in to Rating Services if necessary.

3. Locate, modify, or add your client in Rating Services and click OK.
   
   When you select a client on the Client Locate window, an association is established for this client between Applied Epic and Applied Rating Services. If this association was established in a previous integration or for any future integrations, this window does not display.

4. Confirm your policy detail information on the Rating Services screen and click OK. The Additional Customer Information screen displays only if the carriers for which your brokerage is licensed use a credit score to help assess risk and determine premiums.

5. Click Quote to request the policy rates.  
   
   Note: If any required information is missing when you click Quote, the Validation tab indicates the information you must enter to proceed with the quote.

6. On the Rating Services results screen, save the preferred carrier rate.

7. Click X in the upper right corner to exit the workflow. You are prompted to save the quote if you have not already done so. If this prompt displays, click Yes.

8. You are prompted to update Applied Epic. The Rating Integration screen displays with a default setting to update the application in Applied Epic, a default list of quote documents to be attached to the quote in Applied Epic and a default Attachment Filename to be used for the documents in Applied Epic. If no changes are required, keep the default information.

• To change the default setting for updating the application in Applied Epic, unselect/select the Update Application in Applied Epic checkbox.

• (Auto only) If there are modifications on the quote, the modified quote details default during integration. However, you have the option to integrate the original quote details to Applied Epic. Select Original to integrate the original quoted details.

• To attach additional documents to the quote in Applied Epic, complete the following steps:

1. Click the Select Document(s) button.

2. Select the document categories from the list in the Documents pane and select the checkbox next to the document(s) you want to attach on the right side of the screen.
   
   Note: Selecting a checkbox on the right side of the screen automatically selects the corresponding document category checkbox.

3. Click the Attach Selected Documents button to close this screen and view the selected document(s) to be attached to the quote in the list within Rating Services Integration.

Note: To change the order of the documents, select a document in the list and use the arrow buttons to the left of the list to move a document up one, down one, to the top or to the bottom of the list.

• If you do not want any documents attached to the quote in Applied Epic, unselect the Attach Quote Documents checkbox.

• To change the filename for the attachment click in the Attachment Filename field, remove the existing filename and enter a new filename for the attachment.

9. Click Yes to write back premium data to Applied Epic. If you do not want to allow Applied Rating Services to overwrite existing premium data, click No.  

10. The Real-Time Transactions Results popup displays. Review the information, and click Accept.

11. The Update Client Policy pop-up displays. Choose the action you want and click OK.
    
    Note: Some actions are only available if the policy meets certain criteria. Click here for more information.

    • Replace Existing Policy Data

    • Marketed policies must have a policy status of New or Remarket, and the Service Summary Row Stage must be In Process.
      Note: This is the only option allowed for Marketed Policies.

    • Current or Renewed policies must have a Service Summary Row Stage of In Process.

    • This is the default selected option for all Marketed policies.

    • This is the default selected option when you select New Quote or Recall Stored Quote and the Service Summary Row Stage is New or In Process.

    • Create New Policy

    • This option is always available for Current/Renewed policies.

    • This option is not enabled for Marketed policies.

    • This is the default selected option when you select New Quote or Recall Stored Quote and the Service Summary Row Stage is not New or In Process.

    • Renew Existing Policy

    • This option is always available for non-Marketed policies on insured clients.

    • This option is not enabled for Marketed policies or Prospective clients.

    • This is the default selected option when you select Quote Existing and the Service Summary Row Stage is not New or In Process.

    • Endorse Policy

    • This option is only enabled for non-marketed policies with certain combinations of Service Summary Row Action and Stage. Click here for the list of combinations.

      • Cancel/Cancelled
      • Cancel/Submitted
      • Endorse/Issued
      • Endorse/Not Issued
      • Endorse/Submitted
      • Reinstate/Issued
      • Renew/Issued
      • Renew/Submitted
      • New/Issued
      • New/Migrated
      • New/Submitted

• Replace existing policy data: Overwrite rating data that has been downloaded, entered manually, or generated in a previous quoting session with the most current rating information.

• Create new policy: Generate a new policy using the information from this quote.

• Renew existing policy: Renew an existing policy with updated information.

• Endorse policy: Add an endorsement to an existing policy.