What’s changed on BrightRock Flint?Flint version 1.0.48.10445: 1 February 2016Release notes for BrightRock Flint

Details of what’s changed:1.In-force business – you now have additional search options and you can navigate directly to

your active Cover ProposalYou are now able to search for your in-force business using the main life insured’s name. What’s more, Distribution Directors, the DD’s contact person and your business’s contact person can search on Flint using a financial adviser’s name.

You’ll also be able to go to your client’s policy’s active Cover Proposal directly from the In-force business screen by just clicking on the Cover Proposal.

What’s changed on BrightRock Flint?Flint version 1.0.48.10405: 15 January 2016Release notes for BrightRock Flint

Details of what’s changed:

1. In-force business – Search by policy owner, number or statusWe’ve added the ability to search your in-force business by the policy owner name, policy number and policy status (as highlighted in red below).

We’ve added a new button allowing you to refresh the in-force business view. Once you have searched by using the policy owner name, policy number and/or policy status to search, you can clear the search results and restore the in-force

business view by selecting the (refresh button). Additionally, by using the (clear button), you can clear the policy owner, policy number, and policy status details from the search field.

2. In-force business – Email owner’s manualWe’ve added a new button allowing you to email the latest Owner’s Manual for a specific policy. You just have to click on the “Email owner’s manual“ button as shown below.

Clicking on the “Email owner’s manual“ will open a window, where you will be able to enter your email address or use the default email address. This button will be disabled for cancelled policies.

3. In-force business – Email renewal letterWe’ve added a new button allowing you to email the latest renewal letter available for a policy. You just have to click on the “Email renewal letter” button, which will appear alongside the relevant policy’s details, as shown below.

Clicking on the link, will open a window, where you will be able to enter your email address or use the default email address. This button will be disabled for cancelled policies or for policies that have not yet reached their first anniversary and therefore do not yet have a renewal letter available.

If there are multiple policy owners on the policy, you will first be presented with the list of policy owners. You can then select which owner’s renewal letter you want to send.

4. In-force business – Policy owner viewIf you select the policy owner view for your in-force business where there are multiple policy owners, a list of the policy owners and the percentage split between them will appear on your screen.

Johan Marit

Paul Smith

Nikki School

Johan Marit

Paul Smith

Nikki School

5. In-force case detailWe have added additional case detail showing you the rate-set version that applies to the activated Cover Proposal, as well as the latest rate set available (as highlighted in red). This will allow you to check whether your client’s policy is on the latest rate set, or on an older rate set.

We have also added a new drop-down list (highlighted in green) where you can toggle between the various months that a policy has been in-force. This will give you the ability to see a summary of any cover changes from month to month for a specific policy. You’re able to see the current date plus three months.

Furthermore, we have added a loadings and/or exclusions section to the In-force case detail view. This allows you to see whether any loadings or exclusions apply to a specific policy (highlighted in orange).

6. Cover ProposalWe have changed the policy structure view on Cover Proposals to include any loadings and/or exclusions that may apply to the specific Cover Proposal.

We have added the rate-set version that applies to a Cover Proposal, as well as the latest rate set available (as highlighted in red). This will allow you to check whether a specific Cover Proposal is on the latest rate set, or on an older rate set.

We have also added the date of commencement for the Cover Proposal to the “View cover proposal” screen.

If the Cover Proposal is linked to a policy, the policy number will displayed on the Cover Proposal screen. This is only for activated Cover Proposals that are linked to a policy.

7. Copying an active Cover Proposal linked to a policy When you copy a Cover Proposal linked to a policy, you can now choose to see the cover as at current month plus an

additional three months.

When copying the Cover Proposal, the copied Cover Proposal will show the cover amounts as at the date you have selected and will set the date of commencement for the same month as the date you have selected for the cover amounts.

Important points to note when copying a Cover Proposal linked to an active policy: The cover amounts on quotes will usually increase. As such, an error message might appear showing that the increased cover amount is higher than the net salary increase on the policy. If this happens, please increase the net monthly income; When copying a Cover Proposal for a servicing quote where the client has cover for an outstanding debt, the original debt term will reduce by the number of months that have elapsed from the original start date selected and new start date selected. Should the term now be less than 24 months, please submit the Cover Proposal to service@brightrock.co.za; If you are doing a policy start date change only, please submit a request to service@brightrock.co.za to action.

8. How to create and submit a Cover Proposal for servicing quotes1. Go to the dashboard on your Flint

2. Select the policy you want to service using the “In-force business” view

3. Then select the activated Cover Proposal using the “In-force case detail” view

4. Click the “Cover Proposal” button

5. You will be asked to choose the specific date at which you’d like to copy the cover values – in other words, the effective date you would like to use for the servicing quote.

6. You can now make any changes required to the Cover Proposal and once you’ve made the changes, press “Calculate premium” to submit the changes.

7. If you’re happy with the changes, click on “Save Cover Proposal”.

8. Email the Cover Proposal to yourself.

9. To action the servicing changes reflected in the quote, simply email the saved Cover Proposal to service@brightrock.co.za

What’s changed on BrightRock Flint?Flint version 1.0.48: 11 September 2014Release notes for BrightRock Flint

Details of what’s changed:

1. Premium projectionsWe’ve added a new button that allows you to view the premium projections for a quote you have generated without having to email the cover proposal. Once you have calculated the premiums for the quote, you should be able to view the premium projections.

You can also download your premium projections into an Excel spread sheet by clicking on the “Export to Excel” button.

2. DashboardWe have also optimised your dashboard, so you can now clearly distinguish your in-force business cancellations from applications that have been cancelled while in the pipeline.

Pipeline summary

In-force business

What’s changed on BrightRock Flint?Flint version 1.0.47.8594: 8 May 2014Release notes for BrightRock Flint

Details of what’s changed:1.1 Proposal form screen additionsAs per the quick one-page view of the New Business case or of the insured life on Flint when one selects the Proposal form button, you will be able to print or email a summary of all cases or specific cases by selecting the email or print button. (As highlighted below in red.)

1.1.1 Allow printing of insured life overview for one or more caseYou are able to go into Print mode from any level in the Pipeline tracker – this will allow you to print the overview. If you are on the Overview, or Detail of selected level screen you will be able to select the print button. The print user interface is displayed on the click of the print button (As highlighted below in red.)

1) When the print button is selected, all the current pipeline cases will be displayed in a print grid in a pop-up window. The cases will be sorted by date received. (As highlighted below in red.)

2) Thereafter, you will be able to filter the selection based on the below criteria• Financialadvisername• Casemanagername(thecasemanagerwillonlybeshowntouserloggedinasaDistributionDirector)• Coverproposalnumber• DistributionDirectorname• FSPname

3) You will also be able to sort the grid results by any column ascending or descending. This will be achieved by selecting the column.

4) The Print view can be closed by selecting the following button this will close and focus will be returned to the detail of selected level or overview that was previously in focus.

5) The text box allows user to input financial adviser, Distribution Director, FSP, case manager first name and last name, and Cover proposal number to refine the search for specific cases.

6) To print the pipeline cases you must select the check box next to the case you would like to print.

7) Once you have selected the case by selecting the check box, please select the Generate button once the generate button has been selected the below screen will be returned:

8) By selecting the view button you will be shown a Security Alert (as highlighted below in red). Select yes to proceed.

9) Once the yes button is selected the following screen will open with.

10) In order to print the PDF you must select the print icon (as highlighted in red).

11) To save the PDF you must select the save icon (as highlighted in green).

12) To navigate the PDF document you can select the Cover proposal hyperlink.

This hyperlink will take you to the details of the case.

13) To navigate back to the list of cases you must select the Back to list hyperlink.

1.1.1 Allow emailing of insured life overview for one or more casesYou are able to go into email mode from any level in the Pipeline tracker – this will allow you to email the overview. If you are on the Overview or Detail of selected level screen you will be able to select email. The email user interface is displayed on the click of the email button (as highlighted below in red).

14) When the email button is selected all the current pipeline cases will be displayed in an email grid in a pop-up window. The cases will be sorted by date received. (As highlighted below in red.)

15) Thereafter, you will be able to filter the selection based on the below criteria

• Financialadvisername• Casemanagername(thecasemanagerwillonlybeshowntousersloggedinasaDistributionDirector)• Coverproposalnumber• DistributionDirectorname• FSPname

16) You will also be able to sort the grid results by any column ascending or descending. This will be achieved by selecting the column.

17) The email view can be closed by selecting the following button this will close and focus will be returned to the detail of selected level or overview that was previously in focus.

18) The text box allows user to input financial adviser, Distribution Director, FSP, case manager first name and last name, and Cover proposal number to refine the search.

19) To email the pipeline case or cases you must select the check box next to the case they would like to email.

20) Once you’ve selected the case by selecting Generate button the below screen will be shown:

21) To send the pipeline tracker you must select the send button.

What’s changed on BrightRock Flint?Flint version 1.0.47 15 November 2013Details of what’s changed:

1. Proposal forms pipeline navigation

We’ve added a view where you can track your proposal forms that you’ve submitted to BrightRock. You can navigate the proposal forms pipeline in two ways:

a) We’ve added the pipeline icon below:

b) Or you can use the search icon on the dashboard:

Once you have clicked on one of these, you will be taken to the following page

You can expand each of these statuses and drill down into the proposal forms structure.

2. Proposal forms pipeline structure

There are three levels to the items in the pipeline, they are Proposal form, Insured life and underwriting requirement.

3. Proposal form screen

DetailsThis section includes details of the cover proposal and proposal form. The proposal form description field will show the policy owner’s name, so if this is blank, the policy owner hasn’t been captured yet.

Overall datesThis shows when we received the proposal form and how many days have passed since receipt.

If specified, the overall next follow up date field is when we will follow up.

The overall original expected date and overall current expected date fields are not available yet.

StatusThis section gives information on the current status of the proposal form and, if available, the next follow up date.

The status original expected date and status current expected date fields are not available yet.

Insured lives

Here you will see the names of all the insured lives on the proposal form.

Preferences

Here you will see which contact preferences has been set up, for example, to contact the broker and not the client.

Cover summary This section will show the cover amounts for the insured lives. Please note that this information will only show once the insured lives on the proposal form have been captured.

NotesIf a BrightRock consultant has added any notes, you will see them here.

4. Proposal form insured life screen

Details

In this section you will find information of the insured life, for example date of birth, identity or passport number, the original cover proposal tracking number and the active cover proposal number.

Status

This section gives information on the current status of the proposal form and, if available, the next follow up date. The status original expected date and status current expected date fields are not available yet.

Cover summary

This section will show the cover amounts for the insured lives. Please note that this information will only show once the insured lives on the proposal form have been captured.

Notes

If a BrightRock consultant has added any notes, you will see them here.

5. Requirement screen

Details

Here you will see the insured life and the original cover proposal number we use for tracking.

Status, appointment date and time, appointment details, notes and requirement fields

Underwriting requirements will only show when it has been finalised by the underwriter.

For each underwriting requirement it will show the status of the requirement and if it has been identified by the underwriter, requested, received or waived. You will also see the expected completion date and any notes relevant to the requirement.

The top right of the screen shows how we will get the requirement, for example specialist appointment (arranged by BrightRock). This is a dynamic field, in this screenshot you will see the requirement is a “Medical requirements (arranged by IFA). Details of the appointment, including the date and time will show if an appointment has been made.

Please note: For some requirements the appointment date and time will show when the requirement was requested instead of an actual appointment date and time. Notes about how the requirement will be collected will display.

The status original expected date and status current expected date fields are not available yet.

6. Dashboard: Cancelled

We’ve enabled a link on the cover proposal numbers on cancelled policies which will take you to the quote on Flint.

We’ve also added a column to the list of cancelled cover proposals for the main life insured.

7. Dashboard: In-force business

Your list of in-force policies now has additional information. We have corrected the issue in the policy owner name that many of you experienced. We’ve also added the main life insured to this list.

The policy number is a link that will take you to an “In-force case detail” screen. Here you can view current premium, policy start date and some other key facts. We also display a cover summary of the original cover on the policy.

What’s changed on BrightRock Flint? Flint Version 1.0.46: 1 June 2013Details of what’s changed:

1. We’ve added the 24-month payment duration option for illnesses and injuries you can recover from

This new pay-out duration option allows clients to choose a pay-out period of either “24 months” or “36 months” for an illness or injury you can recover from. Some clients don’t require pay-outs for longer than 24 months – for example, if they’ve got group income benefits through their employer. By offering this option, these clients are able to access cover that meets their needs and delivers greater affordability.

Additional information:

•Thedefaultoptionis“36months”

•The“24months”optionenablesamoreaffordablepremiumonillnessorinjurycoveryoucanrecoverfrom

•Note,we’veaddedtheiconstothedisplaytomakeiteasiertoidentifytherelevantneedsataglance.

2. We’ve added a new option for death-related needs – “last death – premiums and growth continue”

For death-related needs cover, you’re currently able to choose for the cover either to pay out “On my death” or “On last death”.

With the “last death option”, cover pays out on the death of the last surviving spouse. Currently, both cover growth and premiums stop on the death of whichever of the spouses is first to die. The pay-out of the death-related needs cover, however, is deferred to the death of the surviving spouse (last death).

However, some clients may wish for their death-related needs cover to continue to grow even after the death of the first spouse. To meet this need, we’ve created a new option, “On last death – premiums and growth continue”. Where this option is selected, the surviving spouse will continue to pay premiums and their cover will continue to grow after the first death.

Current options:

New options:

Additional info:

• Thecurrent“Onlastdeath”optionwillnowberenamedto“Onlastdeath–premiumsandgrowthcease”

• Thedefaultoptionwillbe“Onmydeath”.

3. We’ve added a new cover term option for debt needs – the maximum term

The “Maximum term” option allows your clients to secure whole of life cover for their debt needs. Where clients select the maximum term, cover will continue until retirement age (for illness and injury events) and until their death (for death events).

Additional information:

• Thisoptionisonlyavailablewhereyouselectthe“Capital”coveroptionandthe“Lump-sum”pay-outoption;

• Ifyouselectcoverbothforanillnessorinjurythatispermanentandforanillnessorinjurythatcausesyourdeathforthe same debt, a claim for an illness or injury that is permanent will accelerate the death cover to retirement age;

• Ifyou’veselectedcoverfor“anillnessorinjuryyoucanrecoverfrom”or“anillnessorinjurythatispermanent”,thedebtneeds cover will continue until the chosen retirement age;

• Whereaclientselectsthemaximumterm,byclicking“Yes”asshowninthescreenshotbelow,the“debtoutstandingterm” will automatically be disabled.

4. We’ve renamed our illness and injury additional cover options, and added new options and features

We’ve renamed the existing options available on illness and injury additional cover options, as shown below. And we’ve added the competitive new Primary option for clients who require less extensive cover for illness and injury additional expenses, or who are looking for a more affordable option. We now offer the following three options:

• PremierMax(previously:“Combinecoveracrosstemporaryandpermanentevents”selectedas“No”),whichoffersclients access to pay-outs of up to 400% per body system plus the option of recurring pay-outs for certain conditions at claim-stage;

• Premier(previously:“Combinecoveracrosstemporaryandpermanentevents”selectedas“Yes”),whichoffersclientsaccess to pay-outs of up to 200% per body system plus the option of recurring pay-outs for certain conditions at claim-stage;

• Primary(Newoption),whichoffersclientsaccesstopay-outsofupto200%perbodysystem.

Current display:

New display:

Additional information:

• Thecoverforillnessesandinjuriesyoucanrecoverfromisdisplayedseparatelyfromthecoverforpermanentevents,reflecting the benefit structure chosen:

• Whenyouselect“Premier”or“Primary”options,thecellswillbemergedtoshowthatcoverforthedifferentillnessandinjury events is combined into a single limit of 200% per body system:

New advanced pay-out for specific conditions option

• Clientswhoselectthisoptionwillautomaticallyreceiveanincreasedpay-outfor30conditions,includingtheSCIDEPconditions. This additional option will be available for all benefit structures. To select this option, simply click “Yes” as shown below.

5. We’ve removed minimum premiums, making cover more accessible

• BrightRockwillnolongerenforceminimumpremiumlimits,makingcovermoreaccessibletoabroadergroupofclients.

• Ifthemonthlypremiumisbelowacertainamount,calledthepremiumefficiencymark,anadditionalamountwillbe added to the monthly base policy fee of R20. This is added in increments of R5, and is based on the age of the life insured and the amount of debt cover selected.

• Theclient’spolicyfeewillbedisplayedatthebottomofthescreen.

6. We’ve added a validity date for cover proposals, and will auto-expire proposals

Automatic expired quote feature

We’ve added an expiry date to cover proposals on Flint. You’ll see a field on Flint where we will indicate until which date the cover proposal is valid. We’ve also added a feature to BrightRock Flint that will automatically move all quotes that are not attached to a policy and that have reached the specified date to “expired status”.

You won’t lose the detail of these expired quotes – they will still be available under the “Expired quotes” tab in Flint. You can then copy the quote, which will automatically move it onto the latest pricing basis, including all the latest product features. You’re then able to amend and submit the quote.

On the main screen:

On the client list:

Please also take note of the following rules for quotes generated before 5pm on 31 May 2013:

Existing quotes generated on Flint but not submitted by 5pm on Friday, 31 May

We’ll move all existing quotes that have not yet been submitted to BrightRock by 5pm on Friday, 31 May to “expired quote” status.

This applies to:

- Lockedquotes,wherethecoverproposalhasbeenemailedtotheadviser,butnotyetsubmittedtoBrightRock;

- Open quotes, which have been saved but not yet emailed to the adviser.

This will allow you to create and save a new quote before the go-live, and then copy it across to the enhanced product structure after the go-live – without having to recapture all the details from scratch. Moving the quote to the new structure will give clients access to the new features, including the automatic child illness and injury additional cover.

Locked quotes:

Where advisers have “locked” a quote, (in other words, a cover proposal has been generated before 31 May) that they’ve not yet submitted to us, they can copy the quote onto the new structure after the go-live, and recalculate the new premium. They then have the option to submit either of the two quotes – that is either the pre go-live version or post go-live version – to us within the 30-day validity period.

Open quotes:

Where advisers have worked on an “open quote” and we’ve moved it to the expired state, they can still send a request to us to “unexpire” the quote should they prefer to go ahead on the old structure. They must they do so within 30 days of the date on which the original quote was created.

Existing quotes generated on Flint and submitted before 5pm on Friday, 31 May

Where quotes have already been locked and the cover proposal submitted to BrightRock before 5pm tomorrow, the existing product structure that is, the pre go-live version of our product) will apply. If your advisers would like to move quotes they’ve already submitted onto the enhanced structure, this will be possible for quotes with a start date on or later than 1 June only, they will need to request this on a case-by-case basis following our usual servicing process. We’ll then recalculate these cases, issue a revised proposal and, on acceptance and subject to our normal underwriting process, we’ll activate these cases based on the new structure.

As mentioned above, we’ve added a feature to BrightRock Flint that will automatically move all quotes that are not attached to a policy to “expired status”. You won’t lose the detail of the quote – it’s still available under the “Expired quotes” tab in Flint. You can then copy the quote, which will automatically move it onto the latest pricing basis, including all the latest product features. You’re then able to amend and submit the quote.

7. We’ve added a Flint validation error to help you ensure you’re working in the latest version of Flint

We have added validation in Flint to ensure that you are using the latest version of Flint. We’ve had queries in the past where Flint sessions were left open from before a system change, causing a mismatch in calculations. Our server detects this and generates an automated error message. The first sentence in the validation error message, explains that your Flint version is out of date.

You will only get this message if we deployed a new version of Flint while your session was open.

If your Flint version is out of date, you will get the following error when you save a cover proposal:

8. We’ve changed the default options for certain features, based on your feedback

We’ve changed some default settings based on feedback from the market. Please note the following:

1. The claims definition set will default to Permanent Standard for both income and asset protection needs.

2. The duration for illness and injury additional expenses will default to “Whole of life”.

3. Cover and premiums will display on the collapsed view by default.

9. We’ve added a new printing option on cover proposals

We’ve added a printing option of the summary cover proposal with growth projections. Now the following three options are available to you:

10. Renewal commission added to cover proposal

We’ve added first year’s renewal commission to the cover proposal in the “Summary of proposed cover” section.

11. Cover proposal number on the footer of the document

We’ve added the proposal number to the bottom of every page of the cover proposal, as shown below, for ease of reference.