Life 70 in AS400

School of MAINFRAMES
Diagonally Opp, Axis Bank,

S R Nagar,Hyd Ph: 64515137
PROJECT DESCRIPTION OF
Life 70 (L70)
Author : Madhu Padala

school of MAINFRAMES
Diagonally opp, Axis Bank, S R Nagar,
Hyderabad Ph: 040-64515137
L70 description
Diagonally Opp, Axis Bank, S R Nagar,Hyd Ph: 64515137
XYZ is one of the leading insurance companies in USA which deals with Life, annuity
and Health Business. It has various IT systems to support its business in which L70
deals with life business. L70 is a policy dmin system which issues and maintains
policies. It has both online and Batch systems. The batch system accepts data from
its online and also various Upstream systems, processes data with various business
rules, updates its database and sends To its downstream systems.
Maintenance and enhancement involves like changing the functionalities on existing
products, Introducing new products, sending new data feeds to subsystems,
creating business reports etc.
LIFE 70 JOBS FLOW DIAGRAM

Unload
Preprocessing
PL70DNB1
Verification
PL70DNB2
Pre Authorized cheque
Processing
Collection of premiums and
Pre processing
PL70DPAC
PL70DCLT
Policy annual calculations

PL70DANC
Policy monthly calculations
PL70DMNC
Merging and preprocessing
Revolving error file
Before BKUP of Merger files
update
that are going to update at
PL70DCAL
Main Calculation Module
PL70DMAG
RERR
PL70DBKB
PL70DCAL
After BKUP of Merger files

That are updated at PL70DCALPL70DBKA
1
2
3
O/P to ACS
PL70DACS
2
O/P to CDS
PL70DPAY
3
Generation of various daily reports

PL70DRPT
I/P policy info file
system
in L70
O/P letter dispatch
PL70DLTR
I/P Agent updates from ACS

PL70DAGT
It updates agent file
Request
PL70DCLM
CIAIMS
Response
PL70DDWH1
DWH
PL70DDWH2
PL70DPOL
Policy online
system
JOBS FLOW
1. PL70DNB1
Unloading and preprocessing of online files

1. It unloads the online files, reformat transactions with the batch files
info.
2. Preliminary system verification
3. Prepares verification reports and online summary reports
Input: Unloaded online files
output: preprocessed unloaded files that goes to PL70DNB2
2. PL70DNB2
Verifications
Before issuing new policy or new rider it follows through the below
verifications
1. Underwriting verification.
2. MIB verification
3. Writing agent license, contract verification
Here after completion of 3 levels of verifications then it can go to calculation
module
This job sends information to MIB and also receives it from MIB.
It also prepares various reports on verification
Input: From PL70DNB1, daily feed from MIB
Output: Ready to process transaction to PL70DMRG
3. PL70DPAC
It receives the unprocessed cheques sent for the collections in the previous
cycles. And prepares
reversal transactions that are already assumed as paid.
It scans through the policy info file and prepares PAC premium transactions,
if the PAC flag is 'Y' and due date is current date.
It also adjusts the PAC change on payment amount or Payment bank
Input: Bounced cheques from Collections, PAC dues from Policy info file
Output: PAC premium transactions, PAC premium reversal or confirmation
transactions
4. PL70DCLT
1. It collects premium payments from Collections system
2. Preprocessing of premiums before input to Main calculation job
3. It sends back the erroered premium transactions back to Collections

system
4. Preprocess premium reports on valid and invalid premiums
Input: Premiums file from collections system
Output: Ready to process premium transactions to Main calculation job
PL70DMRG
5. PL70DANC, PL70DMNC
1. It scans through the policy info file and prepares dividend, maturity
transactions
annual interest transactions and premium or maturity amount
adjustment transactions
Input: Policy info file
Output: Dividend, maturity, adjustment, interest cal transactions
6. PL70DMRG
It merges various outputs from different jobs and also revolving error file
Input: 1. Outputs of PL70DNB2 + PL70DPAC + PL70DCLT + PL70DANC +
PL70DMNC
2. Unloaded revolving error file
Output: Daily transaction file which is sorted on sort criteria. This goes to the
Main calculations job PL70DCAL
7. PL70DBKB
It takes the before back ups of all master files that are going to be updated in
PL70DCAL
8. PL70DCAL
This is main calculation module.
It process premiums, reversals, loans, maturities, policy issues, coverage
issues, lapse, reissue
and updates various master files and also generates payments, commission
related transactions
Input: Transactions file from PL70DMRG
Output: 1. Updates all master files
2. Payments to policy holders
3. Commission related file
4. Reports trigger file
9. PL70DBKA
It takes the after back ups of all master files that are going to be updated in
PL70DCAL
10. PL70DACS
It takes the commission related transactions from PL70DCAL and formats it
and sends to Agent commission System
11. PL70DPAY
It process the payment transactions and gets payee information and sends it
to CDS system
Input: Payment file that is generated in PL70DCAL
Output: Payment information with payee details that goes to CDS
12. PL70DRPT
Input: Report trigger file from PL70DCAL all master files
Output: Various daily reports
13. PL70DLTR
It scans through the policy info file and prepares letters info with letter code
and sends to
Letters system with communication address
Input: Policy Info file
Output: Letters file with letter information
14. PL70DAGT
It collects the updated agent information that is coming from Agent
Commission system and updates Agent file in L70 System. This is used for
verification of agent info at the time online entry and also batch level
verification in PL70DNB2
Input: Interface file from Agent Commission system Output: Updates Agent
file in L70
15. PL70DCLM
It process the claim requests from Claim system and sends the policy level
information to Claims system
Input: Claim requests
Output: Claim responses
16. PL70DWH1
17. PL70DWH2
Input: L70 Master files

Output: Various data extracted from master files
Life 70 Batch System

Main functionalities of Life 70 policy admin system
I. New business
1) Issues new policies, coverages, introducing new products

2) Verification of policies before issue
a) System verification
b) Underwriting agent verification
c) MIB (Medical Information Buero) verification
II. Premium Collection

1) Collets premiums from Collections system
2) Preprocessing of premiums and preparing reports and also sends
back the premiums with incorrect data
III. PAC processing (Pre Authorized Cheque)

1) Generating PAC premium transactions by scanning through Policy info
file.
2) Changing of PAC info. i.e. changing of PAC amount, switching over one
bank cheques to another bank
3) Preparing Reversal transactions if cheque is not processed
IV. Anniversary and Monthlyversary processing

1) Dividend calculations
2) processing money back policies
3) interest calculations, tax calculations
V. Main calculations.
It handles the below functionalities and updates corresponding Master Files.
1) Issuing new policies, new riders
2) Processing premiums
3) Processing of maturities
4) Issuing and tracking of loans
5) Switching over one plan to another plan
6) Amount adjustments on growth plans
7) Policy lapse, reissue
VI. Processing of Letters

It will scan through the policy info file and prepares the below letters and
sends to Letters System
1) Preparing policy pages, i.e. policy terms and conditions pages to the
policy holder
2) Premium notices before one month prior to the next premium date
3) Policy grace period notices

4) Policy termination confirmations
5) Change of address, change of plan, adjustments, dividends and other
confirmations
6) Loan payment details
7) Annual statements
VII. Sending payments info to payment system

1)
2)
3)
4)
5)
6)
Dividends
Return of excess premiums
Interest
Withdrawals
Payment returns either with maturity or lapse
Monthly returns with annuities
VIII. Responding to the requests from the claims system
1) This system does not process the claims, but sends the policy level info
like risk amount, last premium paid, nominee details and communication
details..
IX. Preparing various daily, weekly, monthly reports

1)
2)
3)
4)
5)
6)
7)
8)
Premium process reports

Lapse policy reports
Adjustment reports
Error transaction reports
Dividends reports
Loan issue and loan recoupment reports
Monthly Tax reports
Forecasting reports for the next 3 months
X. External feeds to the other systems
1) Sends Commission related transactions to the Agent commission system

2) Sends Different file level data to the Data Ware Housing system
3) Sends Cheque payments or EFT (Electronic Fund Transfer) to CDS
(Cheque Disbursement system)
4) Sends Policy level info to Policy online Java System, so that policy holder
can see his data
XI. Internal feeds
1) Accepts daily Agent changes feed from Agent Commissions system and
updates Agents file in L70 System.
2) Accepts name, address, contact info changes from customer care system
and updates in corresponding files
3) Accepts Payment adjustments from CDS and process those records in
daily calculation modules
4) Accepts online premium payments from Policy online Java and process
those in daily calculation modules

DATA BASE
1. PPEND -- Policy pending table
2. PCOV -- Coverage level information for a policy
3. PPOL -- Policy level information. It is policy master table
4. AGTI -- Agent level information
5. PLOAN -- Policy Level loan tracking information
6. PHIST -- History of all transactions
7. PLETR -- Policy pages, contractual, maturity and change of plans
8. PADM1, PADM2, PADM3.. Admin tables that has rules for processing
9. PPAY -- Payments to be given to the policy holder
10.PMISC -- Miscellaneous activities on policy
11.PRISK -- Risk evaluation every policy
12.PPREM -- Premium level information on a policy
13.PCLMS -- claims level information on a policy

10

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School of MAINFRAMES

Diagonally Opp, Axis Bank,

Author : Madhu Padala

LIFE 70 JOBS FLOW DIAGRAM

Policy annual calculations

After BKUP of Merger files

Generation of various daily reports

O/P letter dispatch

I/P Agent updates from ACS

It updates agent file

Unloading and preprocessing of online files

3. It sends back the erroered premium transactions back to Collections

Input: L70 Master files

Life 70 Batch System

1) Issues new policies, coverages, introducing new products

II. Premium Collection

III. PAC processing (Pre Authorized Cheque)

IV. Anniversary and Monthlyversary processing

VI. Processing of Letters

3) Policy grace period notices

VII. Sending payments info to payment system

VIII. Responding to the requests from the claims system

IX. Preparing various daily, weekly, monthly reports

Premium process reports

X. External feeds to the other systems

1) Sends Commission related transactions to the Agent commission system

XI. Internal feeds

Author : Madhu Padala

Author : Madhu Padala

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