micsapp Guidewire Core Workflow A: Policy Lifecycle
Overview
Master the complete policy lifecycle in PolicyCenter: submission creation, quoting, binding, issuance, endorsements, and renewals.
Prerequisites
- Completed
guidewire-install-authandguidewire-sdk-patterns - Understanding of P&C insurance concepts
- Valid API credentials with policy admin permissions
Policy Lifecycle States
Submission -> Quote -> Bind -> Issue -> In-Force -> Endorsement/Renewal/Cancellation
[Draft] [Quoted] [Bound] [Issued] [Active Policy]
Instructions
Step 1: Create Account
POST to /account/v1/accounts with account holder contact details (name, DOB, address) and producer code assignment.
Step 2: Create Submission
POST to /job/v1/submissions with account ID, base state, effective date, product code (e.g., PersonalAuto), and producer code.
Step 3: Add Vehicles and Coverages
POST vehicles to the submission's policy period, then add coverages per vehicle: liability, collision, comprehensive, and medical payments.
Step 4: Add Drivers
POST driver details (name, DOB, license) to the policy period.
Step 5: Quote the Submission
POST to /job/v1/submissions/<submissionId>/quote to trigger rating. Retrieve premium breakdown from the policy period.
Step 6: Bind the Policy
POST to /job/v1/submissions/<submissionId>/bind. Verify status is Bound and capture the policy number.
Step 7: Issue the Policy
POST to /job/v1/submissions/<submissionId>/issue. The policy is now in-force.
For complete TypeScript API calls and Gosu server-side implementations, load the reference guide:
Read(${CLAUDE_SKILL_DIR}/references/implementation-guide.md)
Output
- Created account with account holder details
- Submission with unique job number
- Quote with premium breakdown
- Bound and issued policy with policy number
Error Handling
| Error | Cause | Solution |
|---|---|---|
Validation failed |
Missing required data | Check all required fields |
Cannot quote |
Invalid policy configuration | Review coverages and limits |
Cannot bind |
Outstanding issues | Resolve all validation errors |
UW hold |
Requires underwriting approval | Process UW referrals |
Rating error |
Rating engine failure | Check rate tables and factors |
Resources
Next Steps
For claims processing workflow, see guidewire-core-workflow-b.
Examples
Personal auto policy lifecycle: Create an account, submit a PersonalAuto policy with two vehicles and one driver, add liability and collision coverages, quote the submission to get premium breakdown, bind and issue the policy. The resulting policy number can be used for endorsements and renewals.
Commercial property endorsement: Start with an in-force commercial property policy, create a policy change job to add a new building location, adjust coverages for the added location, re-quote to calculate the premium adjustment, then bind and issue the endorsement.