Purpose

This update ensures referral rules are evaluated consistently throughout the policy lifecycle, reducing unexpected referral behavior and improving reliability when quotes move between stages.

Overview

Referral handling has been enhanced so that referral conditions now evaluate against the correct policy lifecycle stage at the time an action occurs.

Previously, referral logic could behave inconsistently when a quote was advanced—particularly when moving from an In Progress state. With this update, referral conditions are aligned to the active lifecycle stage (such as Quote, Advance, or Issue), ensuring the appropriate rules are applied at the right time.

This change improves predictability, transparency, and confidence when managing referrals across quoting and policy issuance workflows.

Expected Behavior

Users can now expect referral handling to behave consistently across all lifecycle stages.

Specifically:

• Referral conditions evaluate based on the current lifecycle stage, not a prior or default state.

• Advancing a quote from In Progress will correctly trigger referral logic applicable to the Advance stage.

• Referral outcomes (such as referral required, accepted, or cleared) will reflect the rules configured for that stage.

• Quotes that were previously referred will continue to respect their referral status unless lifecycle-appropriate rules dictate otherwise.

Example:

• A quote in In Progress is advanced.

• Referral rules configured for the Advance stage are evaluated.

• The system applies only those rules, preventing unexpected referrals tied to earlier stages.

Steps to Confirm Behavior

1. Open a quote that is currently in an In Progress state.

2. Advance the quote to the next lifecycle stage.

3. Review the referral status:

   • The referral outcome should match the rules configured for the Advance stage.

4. Continue the workflow through Quoted, Referred, and Issued stages as applicable.

5. Confirm referral behavior remains consistent at each stage transition.

Notes / Edge Cases

• Referral conditions that were previously accepted may still be affected if lifecycle rules differ between stages.

• Changes to referral configuration after a quote has progressed may impact future evaluations but will not retroactively alter completed stages.

• Existing referral conditions should be reviewed to ensure they are configured for the intended lifecycle stages.

• Internal product designers can reference the Referral Conditions Design Guide for configuration best practices.

Additional Information

• If you would like to implement or modify referral behavior using this enhancement, please submit a Support Change Request.

• For deeper configuration guidance, internal product designers should consult the relevant design documentation.