> For the complete documentation index, see [llms.txt](https://docs.rubica.au/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.rubica.au/households/insurance-policies.md).

# Insurance Policies

See a household's insurance at a glance, add and edit policies, and use AI Assist to record cover straight from a policy schedule, renewal notice or file note.

The **Insurance Policies** card lists every policy for the people in a household: who's insured, the provider, the cover, the premium and the status.

It's on the household page. Open **Financial Planning**, then **Insurance & Estate Planning**. If you can't see that tab, look under **More**.

![The Insurance Policies card on a household](https://3555949013-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2FqzoPnlIGiL5ejRdJEq5X%2Fuploads%2Fgit-blob-42731aa0666cb0ba6a6fda46ed4988edc7d6a200%2Finsurance-policies-list.png?alt=media)

## Reading the list

Each row is one policy.

* **Policy name.** The policy number is shown underneath, in grey.
* **Life insured.** The person the policy covers.
* **Provider.** The insurer.
* **Cover.** One coloured tag per type of cover, with the sum insured: **Life**, **TPD**, **Trauma** and **IP**. Income protection is shown as a monthly benefit, for example **IP $9,500/mo**.
* **Annualised premium.** The yearly premium.
* **Commission.** Initial and ongoing commission, one under the other. Your firm chooses whether this column is shown (see [For admins](#for-admins)).
* **Status.** Green for cover that's in force.

On a smaller screen the table scrolls sideways inside the card, so nothing is cut off.

### Filtering

* **All Life Insured** narrows the list to one person.
* **Show inactive** adds policies that aren't in force, such as cancelled, lapsed or not taken up. They're hidden by default.

{% hint style="info" %}
**If your firm is connected to CDM** ([CDM Insurance](/integrations/cdm-insurance.md)), a **Synced** column shows which policies come from CDM and when they last updated. CDM updates them every night, so make changes to a synced policy in CDM rather than in rubica.
{% endhint %}

## Add or edit a policy

Click **New** to add a policy, or the **pencil** on a row to edit one. The **eye** opens the full policy record.

![Editing a policy](https://3555949013-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2FqzoPnlIGiL5ejRdJEq5X%2Fuploads%2Fgit-blob-55a7fa258cff660ac9300e2276e4f73f42dd303d%2Finsurance-edit-policy.png?alt=media)

* **Policy details.** Policy name, policy number, who's insured and the status. If you leave the policy number blank, the policy name is used instead.
* **Provider.** The insurer, if your firm records it.
* **Cover.** One row per cover. Pick the type and enter the sum insured. For income protection, enter the **monthly** benefit and set the waiting and benefit periods. Tick **Super** if the cover is held inside super. Click **Add cover** for another row, or the bin to remove one.
* **Premium.** The annualised premium.
* **Commission.** Shown if your firm records commission.

Click **Save**.

## AI Assist

**AI Assist** reads policy documents and notes, and suggests the policies and cover to add or update. You check every suggestion, change anything that's wrong, and choose what to keep. **Nothing is saved until you click Apply.**

Click **AI Assist** at the top of the card.

### 1. Add what it should read

![Adding sources for AI Assist](https://3555949013-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2FqzoPnlIGiL5ejRdJEq5X%2Fuploads%2Fgit-blob-76c4696a402f8376297fbf6fbdaa3acc4d7bf305%2Finsurance-ai-assist-sources.png?alt=media)

Use any mix of:

* **Upload a policy schedule or renewal.** Drag in, or click to choose, a certificate of cover, policy schedule, renewal notice or statement of advice. PDF, image and CSV files work.
* **Take it from the household.** Tick file notes or calls already on the household. Click **Preview** to check you've got the right one.
* **Notes.** Type what happened, for example *"Claire took out $600,000 life and TPD cover inside her super with MetLife in October."* Notes are enough on their own.

Click **Extract**. It usually takes 15–25 seconds.

### 2. Review the suggestions

Each suggestion is a card:

* **New** means a policy that isn't on the household yet. **Update** means it matched a policy you already have, and shows exactly what will change, old value to new.
* **Cover** lists each cover it found. **New** covers will be added, **Update** shows the sum insured changing, and **Already here** means nothing needs to change.
* **From "…"** quotes the line in your document or note that the suggestion came from, so you can check it quickly.
* **Keep / Skipped** sets whether the suggestion is saved. You can also tick or untick individual covers.

Edit any field on the card before applying. Some cards need you before they can be kept:

* **Pick who this policy insures.** The document named someone the household doesn't have, or no one. Choose the person.
* **Choose which policy this is.** It could match more than one existing policy. Pick the right one, or create it as a new policy.

{% hint style="warning" %}
**Policies synced from CDM are never changed by AI Assist.** They're recognised so they aren't added twice, but CDM would overwrite any change overnight. The card tells you to update the policy in CDM instead.
{% endhint %}

### 3. Apply

Click **Apply selected**. Only the cards and covers you kept are saved; everything else is left as it was. AI Assist never deletes a policy or a cover.

The list updates straight away. Clicking Apply twice, or applying the same document again later, won't create duplicates.

### Tips

* A clear policy schedule or certificate of cover gives the best results: insurer, policy number, life insured, each cover with its sum insured, and the premium.
* Premiums are converted to a yearly amount. A monthly premium of $98.40 is recorded as $1,180.80.
* If AI Assist finds nothing, try naming the insurer and the cover in **Notes**.

## For admins

The card has three settings in **Lightning App Builder** (edit the household page, then select the Insurance Policies component):

| Setting             | What it does                                                                                                                                               |
| ------------------- | ---------------------------------------------------------------------------------------------------------------------------------------------------------- |
| **Show commission** | Adds the **Commission** column, showing initial and ongoing commission one under the other.                                                                |
| **Extra columns**   | Adds other policy fields as read-only columns. Enter field API names separated by commas; add `:Label` to rename one, for example `Policy_Owner__c:Owner`. |
| **Hide AI Assist**  | Removes the **AI Assist** button.                                                                                                                          |