Do you Delete Cancelled Policies from Customer Screens?

[Jeff Zylstra]

Just wondering what everyone else does regarding cancelled policies.   I ask because I just ran an exclusion report and I don't like what I am seeing!  I have reservations about deleting the billing screen on an active customer.  I understand that the policy history will pull it up, but I don't know if there are any ill effects for attachments, activities or other things that are linked to the policies that I would be deleting.

So what is everyone else doing, what questions and/or problems have you run into, and how did you handle them? 

[Jim Jensen]

We leave the billing screen in the list, showing as canceled. Three reasons:

1. short term - a claim gets called in and we can quickly see if the policy was in force at the time.
2. Client calls back wanting to repurchase policy - we can see when it cancelled and may have even tagged it as ineligible to be re-written. Can also why it canceled (nonrenewed?)
3. Can easily see remarketing opportunity.

On  a related note, we also will enter a policy screen if we have 1 line, but cannot write the other line. For examle, we write the home, but they've had their auto insurance with State Farm for 35 years. Probably never going to cross sell that one. Or maybe they don't drive any more (or we know they get a DUI every other year). We'll input that with a SKP (Skip) policy status.

[Jan Regnier]

We do not delete billing screens - policy is put in history.  I think one of the issues we have seen is that if that policy billing screen number is used again there is some connection to policy(ies) it was originally set up for.   I don't remember the details but I do remember there was an issue...might have been commcl lines though..

I use the filter so I only see current, active policies. 

[Lance Bateman]

If you delete the screen, the number can be re-used for any policy type, causing lots of problems trying to parse out the history.

[Alice Mooney]

Need a "do nothing" option to select 

[Jeff Zylstra]

Need a "do nothing" option to select 

Unfortunately, I can't edit it to include it now. 

[brinkerdana]

Along a similar vein (?)

I need to clean up a bunch of flood policies that have about 4 different policy codes and change them to one.  If I move the apps to history then change the policy code, will they become those nasty hidden apps that you can't get to?  Not sure about the best way to handle this without losing the apps.

[Lance Bateman]

From experience, I've found it best to leave the old codes with their related apps.  Otherwise, you may not be able to pull them up.

[TrishaOurs]

Agreed!

Need a "do nothing" option to select 

[brinkerdana]

From experience, I've found it best to leave the old codes with their related apps.  Otherwise, you may not be able to pull them up.

Thanks,  Was hoping there was a cleaner way, but I'm not surpised.

[Jeff Zylstra]

Agreed!

Need a "do nothing" option to select 

I figured out how to do it, and added a "do nothing" option and reset the vote counts.  It was 70% in favor of option 3, wait the 7 years required by law, which is much the same as doing nothing.

[Lance Bateman]

I also found if the application related to a policy type, or the policy type itself - don't exist anymore, the purge of policy history doesn't delete those.

From experience, I've found it best to leave the old codes with their related apps.  Otherwise, you may not be able to pull them up.

Thanks,  Was hoping there was a cleaner way, but I'm not surpised.

[Alice Mooney]

Agreed!

Need a "do nothing" option to select 

I figured out how to do it, and added a "do nothing" option and reset the vote counts.  It was 70% in favor of option 3, wait the 7 years required by law, which is much the same as doing nothing.

Doing nothing also includes not even deleting the customer/prospect over here. So it's a 100% really do nothing.

[Hans Manhave]

I know of at least one insurance company that does not delete data.  They have data from 29 years ago actively available.  I had no dealings with them at all for at least 26 of the most recent years, and they had all the stuff one collects when writing an auto policy.