Rate Manager

Use Rate Manager to compare premiums for different coverage scenarios on a policy (quickly making changes and re-rating the policy, using different deductibles, coverage amounts, etc). To use this feature, you only need only to have a customer with a policy shell for a Personal Auto or Homeowners policy.

1. Locate the account in question.
   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 (available only if Clients is selected in the Locate Account field)
      • Prospects (available only if Clients is selected in the Locate Account field)
      • Active
      • Inactive
   5. Enter the first few letters of the name, policy number, phone number, etc. (depending on the selection in the Locate by dropdown menu) 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.
2. Click the Real-Time button on the options bar. The Real-Time Interface screen displays.
3. Choose the Policy radio button.
4. Select Rate Manager in the dropdown menu.
5. Change the policies and/or columns that display in the list if necessary.
   1. Click the Select Columns link label on the right side of the header bar.
   2. The Select Columns window displays. Select the checkbox next to each column that should be included in the list. Deselect the checkbox next to each column that should be removed from the list.
   3. Columns display in the order in which they are listed. To reorder the columns, click on a column and then click the up arrow or down arrow to change its position.
   4. Click OK or press [Enter] to save your changes.
      
      Click Cancel to close the window without saving your changes.
   1. Click the word Policies in the view filter.

   

   A list of choices displays:

   • All Except Marketed
   • Current/Renewed
   • Expired/History
   • Marketed
   • Marketed (History)

   2. Click on the appropriate selection.

   To narrow the list of policies, use the search bar above the list to specify the policies or claims that you want to see.

   

   These are the choices in the first dropdown menu:

   • Policy Number
   • Policy Description
   • Line Description
   • Line Type
   • Policy Effective
   • Policy Expiration
   • ICO
   • Category
   • Option
   • Type of Business

   The choices available in the second dropdown menu vary, depending on the selection you made in the first dropdown.

   • Equals: Enter the search criterion (e.g., the full description or folder name) in the field to the right, or select the correct date from the dropdown calendar (if applicable). Click Find.
   • Contains: Enter at least one character of the search criterion (e.g., part of the description or claim number) in the field to the right. Click Find.
   • Within Range: Search between two calendar dates. Click the down arrow to the right of each field to choose dates from the dropdown calendars. Click Find.

   To see the filter that is currently applied to the list, hover over the Search where text.

   You can apply multiple filters if necessary.

   1. To apply multiple filters to the list, do one of the following:
   • Click the Edit Filter button . 
   • Press [Ctrl] + E.
   2. The Edit Filter pop-up window displays.
      
      Note: You can also use the Edit Filter button, rather than the search bar, to apply a single filter to the list if you prefer.

   

   3. Select and/or enter your desired search criteria using the dropdown menus and fields, and then click the Add button. The Name, Compare Type, and Criteria for your filter display in the list. Click one of these column headings to sort the list by that column. To reverse the sort order, click the column heading again.
   4. To apply additional filters, enter additional search criteria and continue clicking Add. To remove a filter from the list, select it and click the Delete button.
   5. Click Finish when you have applied all of your desired filters.
      
      To exit the dialog without applying any filters, click Cancel.
6. Select the appropriate policy/line in the list.
7. The Available Carriers display in the list above. Deselect the checkbox for any carrier form which you do not want a quote.
8. You can change the default company contract number or NAIC code for your session if necessary (if the company has multiple contract numbers or NAIC codes configured).

   1. Click the NAIC Codes link label in the Policies header.

   2. The Available Codes window displays all ICOs available on the client’s policies and any NAIC codes set up for them. Select a company code, and then select the NAIC code in the list.

   3. Repeat the previous step until you have made all necessary NAIC code changes.

   4. Click OK to save your changes, or Cancel to discard them.

   1. Click the Contracts link label in the Policies header.

   2. The Available Contract Numbers window displays the company codes for all companies selected in the Available Carriers list and any contract numbers set up for them. Select a company code, and then select the contract number in the list.

   3. Repeat the previous step until you have made all necessary contract number changes.

   4. Click OK to save your changes, or Cancel to discard them.

9. Click Go.
10. In the Rate Manager popup window, the Policy Type is selected by default.
11. Click the appropriate radio button:
     
    • Default client and policy data
    • New application with prefill
      1. Issuing Location defaults based on the client’s address. Change the Issuing Location if necessary.
      2. Choose from any Prefills that are set up in your system.
    • Open saved quote policy
12. Click on the appropriate Policy/Line in the list. Narrow the list of policies if necessary.

    Use the search bar above the list to specify the policies that you want to see.

     

    

     

    These are the choices in the first dropdown menu:

    • Policy Number
    • Policy Effective
    • Policy Expiration

    The choices available in the second dropdown menu vary, depending on the selection you made in the first dropdown.

    • Equals: Enter the search criterion (e.g., the full description or folder name) in the field to the right, or select the correct date from the dropdown calendar (if applicable). Click Find.
    • Contains: Enter at least one letter or number of the search criterion (e.g., part of the description or claim number) in the field to the right. Click Find.
    • Within Range: Search between two different calendar dates of your choice. Click the down arrow to the right of each field to choose dates from the dropdown calendars. Click Find.

    To see the filter that is currently applied to the list, hover over the Search where text.

    You can apply multiple filters if necessary.

    1. To apply multiple filters to the list, do one of the following:
       • Click the Edit Filter button . 
       • Press [Ctrl] + E.
    2. The Edit Filter pop-up window displays. 
       
       Note: You can also use the Edit Filter button, rather than the search bar, to apply a single filter to the list if you prefer.

    

    3. Select and/or enter your desired search criteria using the dropdown menus and fields, and then click the Add button. The Name, Compare Type, and Criteria for your filter display in the list. Click one of these column headings to sort the list by that column. To reverse the sort order, click the column heading again.
    4. To apply additional filters, enter additional search criteria and continue clicking Add. To remove a filter from the list, select it and click the Delete button.
    5. Click Finish when you have applied all of your desired filters.
       
       To exit the dialog without applying any filters, click Cancel.
13. Click Go.
14. On the Rate Manager screen, select the appropriate radio button:
    
    • Homeowners policies
      1. Choose the appropriate radio button:
         • Default client and policy data
         • New application with prefill
         • • The Issuing Location defaults but can be changed if necessary.
           • Optionally select a Prefill.
         • Open saved quote policy
      2. Click to highlight the appropriate policy in the list.
      3. Click Go.
      4. A second Rate Manager window displays, allowing you to update and/or fill in application detail. Click the buttons across the top of the screen to access the corresponding sections. Click the resulting tabs to add information.
         
         Note: You must click the Save button upon completing information on each application tab.
         • Applicant
         • • Applicant Info: Fields on this tab are required.
           • Co-Applicant Info
           • Property Location
         • Coverages
         • • Coverages
           • Deductibles
           • Additional Coverages
         • Property Details
         • • Features: Fields on this tab are required.
           • Rating Credits
           • Construction
           • General
         • Residence
         • • Residence Type
           • Updates
         • Protection
         • • Protection Devices
           • Fire Prevention
         • Loss History: Click the Add button to add a loss. The Description of loss field is then required.
         • General Info
         • • General Information
    • Personal auto policies
      1. Choose the appropriate radio button:
         • Default client and policy data
         • New application with prefill
         • • The Issuing Location defaults but can be changed if necessary.
           • Optionally select a Prefill.
         • Open saved quote policy
      2. Click to highlight the appropriate policy in the list.
      3. Click Go.
      4. A second Rate Manager window displays, allowing you to update and/or fill in application detail. Click the buttons across the top of the screen to access the corresponding sections. Click the resulting tabs to add information.
         
         Note: You must click the Save button upon completing information on each application tab.

      1. • Applicant
         • • Applicant Info: Fields on this tab are required.
           • Co-Applicant Info
         • Drivers: Click the Add button to add a driver.
         • • Personal: The name fields are required.
           • Driving: The Driver license field is required.
         • Vehicles: Click the Add button to add a vehicle. The request must have at least one vehicle.
         • • Vehicle Detail: The Vehicle #, Year, Make, Model, and VIN fields are required.
           • Vehicle Use
           • Driver Use
           • Coverages
           • Additional Coverages
         • Loss History: Click the Add button to add a loss. The Description of loss field is then required.
         • General Info
         • • General Information
15. When you have entered the necessary information, click Submit.
16. Choose the markets/carriers that you want to quote, or click Select All to select all of the markets/carriers in the list.
17. Click Submit again.
18. If the carrier requires additional information, you are taken to their website to fill in an online form.
19. When you receive a response (it takes a few moments to process the request), the number of responses displays in parentheses on the Results tab at the top of the screen. Click on a result in the list to view the pertinent information.
    
    Note: You can submit applications for other quotes as you receive responses.
     
    • Coverage/Premiums: This tab shows the premium breakdown for the selected result.
    • Comments: Notes from the selected rate display on this tab.
    • Additional Info: This tab is blank unless errors occurred during the transaction or the company sent special information.
    • Attachments: The Attachments tab lists the documents or additional forms that have come back. Click a link in this list to retrieve the document. If a window displays to inform you that you are about to download a document from the company website, click Yes to continue.
      
      Note: You can also click A link was provided. Click here to connect at the bottom of the screen to view the quote on the carrier's website.
    • Status: This tab lists the steps the system just took and lets you know what happened.
20. Click to highlight a quote.
21. Click Accept to accept the quote.
    
    Click Issue to accept the quote and issue a policy.
    
    Click Cancel to exit the Rate Manager without accepting a quote.
22. The Attach to window displays, allowing you to attach the quote to the client account, an activity, a line of business, or a policy.
    1. The account Type and Code default.
    2. In the Attach to frame, choose Account, Activity, Line, or Policy. Account is selected by default, and the account code defaults in the field to the right.
    3. If you select Claim, Policy/Line, or Activity, click the lookup button on the field to the right. Double click the correct item in the window that pops up, or highlight the correct entity in the list and then press [Enter] or click Finish.
       
       Note: Select the Select closed or Include history checkbox to include those items in the list.
    4. Click the correct item in the list and click Finish.
    5. A Description of the attachment defaults but can be changed if necessary.
    6. Choose a Folder in which to save the attachment so that it can be found easily later. The Folder field is required for attachments designated Client accessible. (For instructions on creating, editing, and deleting these folders, see Attachment Folder Configuration.)
    7. Make Subfolder selections if applicable.
    8. The current system date defaults in the Received field but can be changed.
    9. Add Comments if necessary.
    10. Choose a security Access level if applicable. Only employees with the selected access level will be able to access the attachment. (See Attachment Access Level Configuration for instructions on adding, editing, and deleting these access levels.)
    11. Select the Client accessible checkbox if your organization uses Applied CSR24 Self-Service Portal and you want to grant client access to the quote attachment. If the client access should expire, enter a date in the Expire on field or select a date from the dropdown calendar. These options are only available if Client Access is enabled in System Settings,
23. If you accept a quote, the Update Client Policy window displays. Select the appropriate radio button:
    • Create new policy
    • Renew existing policy
    • Update policy: Enter an Effective date of change or select a date from the dropdown calendar. Enter a Description of the updated policy.
24. Click OK.