Loans Workflow & Rules

Verify policy is active at the time of incident

Policy status must be 'Active' on incident date

Claim amount must not exceed policy coverage limit

claim_amount <= coverage_limit

Cross-check addresses across all submitted documents

All document addresses must match policy address

All required documents must be submitted

document_count >= required_document_count

Check for duplicate claims on the same policy

No open claims with same incident_date and policy_number

Claims above threshold require supervisor approval

claim_amount < $25,000 for auto-approval