Every commercial insurance submission must first answer one important question:
Is this risk eligible?
Before premiums are calculated, insurance organizations must determine whether the applicant meets carrier appetite, product guidelines, underwriting requirements, geographic restrictions, industry classifications, and regulatory requirements. SelectRate Eligibility Rules Engine automates these decisions through configurable business rules that evaluate submissions before they enter the rating process. Rather than relying on manual underwriting reviews for every submission, organizations can automate eligibility decisions while maintaining complete governance and underwriting consistency.
An Eligibility Rules Engine evaluates whether a commercial insurance submission qualifies for quoting based on configurable business rules.
The engine automatically determines whether a submission should:
Every decision is made using configurable business logic instead of application code.
Eligibility decisions protect insurance organizations from quoting business outside carrier appetite.
Examples include:
Automated eligibility improves quote quality while reducing unnecessary underwriting work.
SelectRate supports eligibility automation across every commercial insurance product. Each product can maintain independent eligibility rules while sharing one centralized rules platform.
Every insurance carrier defines its own appetite.
Configure:
Carrier appetite can be updated without changing application code.
Products frequently have different eligibility requirements.
Evaluate:
Only eligible products are presented to agents and underwriters.
Industry is often the first eligibility decision.
Configure rules using:
Industry rules remain reusable across multiple products.
Evaluate submissions based on geographic characteristics.
Supports:
Geographic rules automatically determine product availability.
Some coverages are only available under specific conditions.
Configure:
Coverage decisions are automatically enforced during quoting.
Every eligibility rule should be validated before deployment.
Test:
Automated testing ensures eligibility behaves exactly as expected.
Deploy eligibility updates through governed release workflows.
Supports:
Every rule change follows a structured deployment process.
Eligibility decisions are available through secure REST APIs.
Applications can:
Eligibility becomes the first API call in the quoting process.
Eligibility becomes the first step within the underwriting process. Every eligibility decision flows directly into the Underwriting Rules Engine.
Possible outcomes include:
Learn more about Underwriting Rules Engine
Only eligible submissions proceed to premium calculation. Once eligibility is confirmed, premium calculation begins automatically.
The platform evaluates:
Learn more about Premium Calculation Engine
Eligibility results appear directly within the Rating Workbench. Underwriters immediately understand why a submission passed or failed eligibility.
Display:
Learn more about Rating Workbench
Eligibility rules evolve over time.Future eligibility policies can be configured before implementation.
Manage:
Learn more about Effective Date Management
Every eligibility rule is version controlled. Historical rule versions remain available for audits.
Track:
Learn more about Rating Version Control
Every eligibility decision is fully documented. Organizations maintain complete governance over every eligibility rule.
Track:
Insurance organizations automate eligibility to improve underwriting efficiency and quote quality.
Benefits include:
Stop manually reviewing every submission. Configure carrier appetite, automate eligibility decisions, improve straight-through processing, and reduce underwriting effort with the SelectRate Eligibility Rules Engine.