documentation techniques

1. DOCUMENTATION
Do it right first time

2. Business Process flow
Client
Customer
service
Tamil Nadu
region
Western
region
Kerala &
Karnataka region
All documents received by operations support center. All Bagya Shree with
out life cover cases are retained .The rest are allocated region wise
OPS support Center
Underwriters
Advisor
MST/CE
Underwriters Underwriters
1. Underwrites
2. Client Check
3. Contract Check
4. Underwriting Approval in Life Asia
5. Issuance
For Despatch
Despatch Client

3. Business Process flow at H.O
Complete Proposals CFRS and service requests received from branches
Customer service
Tamil Nadu region
Western region
Kerala Karnataka region
All documents received by operations support center. All Bagya Shree with
out life cover cases are retained .The rest are allocated region wise
OPS support Center
Underwriters

4. Underwriter underwrites
the file
Client, Contract Check
& Issuance by underwriters
Ops Centre
Check for any correction & all documents
will be arranged & place it in the policy folder
Underwriter signs the
policy document
For Despatch
Client Receives
the Policy

5. OPS support Center
Soundar
Mobile No.98842-72688
Office No.044-28118414
B Natrajan
Office No.044-28118414
Rajesh
Office No.044-28118414
Responsibilities
Inward Proposal forms / CFR’s /
Customer Service Request / Policy Despatch
Bhagya Shree without life cover cases

6. Tamilnadu Region / Triumph
Region Mobile No.0-9382858339
Rafeeq Ahmed
All E-mails / CFR’s
Clarfications / Phone Queries
Mobile No.0-9382860367
Office No.044-28118402
K.Balasubramaniam
Mobile No.0-9382859235
Office No.044-28118479
Krishna Mohan
Office No.044-28118414
Responsibilities
Underwriting / CFR’s / Policy Issuance

7. Western Region / Fortius
Region Mobile No.0-9382858365
Prasanna
All E-mails / CFR’s
Clarfications / Phone Queries
Office No.044-28118438
Antima
Office No.044-28118461
Tanvi
Office No.044-28118495
Responsibilities
Underwriting / CFR’s / Policy Issuance

8. Kerala & Karnataka Region
Thamarai Selvan
All E-mails / CFR’s
Clarfications / Phone Queries
Mobile No. 0-9382859298
Office No.044-28118458
Mamtha
Office No.044-28118465
Ullas
Office No.044-28118466
Responsibilities
Underwriting / CFR’s / Policy Issuance

9. PRIMARY DOCUMENTATION
- AT ADVISOR LEVEL
SECONDARY DOCUMENTATION
- AT MST LEVEL
FINAL DOCUMENTATION
- AT CE LEVEL
FILE RECEIVED WITH COMPLETE
DOCUMENTATION
BY UNDERWRITER AT H.O
• An integral part of our
over all business flow
…….
• Happening as a 4 stage
process right from
advisor till the
underwriter at H.O.
Documentation

10. TIPS FOR DOCUMENTATION
 Corrections in the Proposal Forms
• Any corrections in the PPF should be countersigned either by proposer /
Life Assured not by the advisor or MST.
Age Proof
• Do double check the Age Proof whether standard or non-standard (e.g.
Driving License which is issued before March’93 is non-standard).
Ensure that the extra premium is charged and consent letter is obtained
from the customer
• If the Age Proof is in vernacular language, Do translate this to English
either by the MST or Advisor
• If a person is a graduate or S.S.L.C, & submitting non-std age proof is
not accepted. If he are she submits the non-std age proof, then a valid
reason in the letter format should be enclosed

11. TIPS FOR DOCUMENTATION CONTD…
 Telephone Nos
• Please try to collect atleast one telephone no if possible
 Occupation Details
• If occupation is mentioned as business – Details of the business
should be descriptive
 Family History
• Do double check the family history column, if any of the family
members died below the age of 50 the reason for death should
be filled in & it is mandatory
 Existing or Simultaneous client
• If the customer is already an existing client, Do mention his/her
details in the columns provided in the proposal form without fail.
Also please write it in the top corner of the first page. (Help us to
evaluate the Sum at Risk)

12. TIPS FOR DOCUMENTATION CONTD…
 House Wives
• Husband details is mandatory also check for husband insurance.
 Health History
• Health related questions should have to be answered as either
yes or no. N.A., dash etc is not accepted
 Minor Life & Student
• Check for proposer consent to pay premium
• Declaration in the proposal form should be signed by the proposer
and not by the life assured (for minor life only)
• School studying proof should be given apart from Age Proof (Eg.
School Id., Fees paid receipt etc.)
• MHR by MST is mandatory for all minor life cases

13. Tips for Documentation Contd….
 Bhagya Shree Plans
• Check for DOB written
• Check for Nomination & relationship (even though there is no
specific column in the proposal form
• Check for match in the vesting age (Minimum vesting age
should be 45 & minimum accumulation should be 5 yrs)
• Check for regular or lump sum contribution
• If regular premium is opted, then the column for lump sum
should be left blank & if Lump sum is opted, then the column for
regular contribution should be left blank
 Signed Date & place
• Signed date and place to be filled at the time of filling up the
proposal form & not at the time of submitting the proposal form.

14. Please Remember
• THE ADVISOR DOES THE PRIMARY
DOCUMENTATION

15. Thank You…….