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Overview

Surrender Claims — Life Business is a workflow for life insurance surrender claims processing for Full Surrender, Partial Surrender, and Policy Loan claims, with automated eligibility assessment and discharge voucher generation. It supports end-to-end surrender processing — policy verification, surrender value validation, limits checks, document completeness review, routing decisioning, and discharge voucher preparation — in one streamlined workflow. What you get: a structured table of extracted claim fields you can review, edit, and export (including discharge voucher text).
To set up the workflow (creating sessions, uploading documents, running a workflow, and exporting), see Setting Up a Workflow for a comprehensive guide. This page focuses on what’s specific to Surrender Claims — Life Business.

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When to use Surrender Claims — Life Business

Use this workflow when you need a consistent first-pass review of life surrender/loan requests, including:
  • Processing full surrender, partial surrender, and policy loan claims
  • Confirming policy status and inception date against internal systems
  • Computing/validating net surrender value and permissible limits
  • Checking document completeness for registration and payout processing
  • Generating discharge voucher amounts and draft discharge voucher text
  • Routing requests (approve/decline/hold/review) with auditable rationale

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Step-by-step usage

1

Open the workflow

Navigate to Workflows > Template gallery and select Surrender Claims — Life Business.
2

Upload documents

Upload claim/request documents (surrender request form, policy schedule, customer ID/KYC, bank details, discharge voucher forms, and any required internal approvals).
3

Upload supporting documents (optional)

Upload supporting documents (e.g., statements, beneficiary/assignee documentation, correspondence) if needed by your process.
4

Run extraction

Click Run to begin extraction, eligibility checks, and voucher drafting.
5

Review extracted fields

Review extracted fields and edit anything that is incorrect (especially values, limits, and bank details).
6

Export

Export results (CSV or Excel) for claims processing and reporting.

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Inputs

  • Required: access to alk.wamiri.com
  • Required: stable internet connection
  • Required documents: surrender/loan request and policy documents (as available)
  • Optional: KYC, bank verification, approvals, supporting correspondence

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What’s specific to Surrender Claims

  1. Limits checks differ by claim type. Ensure Requested Amount is validated against Minimum/Maximum Permitted Amount for partial surrender and policy loan requests.
  2. Eligibility is a decision, not a note. Use Eligibility Status, Document Completeness Status, and Routing Decision to make outcomes auditable and easy to route.
  3. Voucher text should reflect facts. Confirm policyholder name, policy number, amounts, and bank details before issuing a discharge voucher.

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Standard fields (default columns)

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Customising surrender claims columns

You can tailor columns to match your life claims checklist.
  • Add columns for surrender charges, outstanding premiums, outstanding loan balance, penalties, payout currency, tax/withholding, approver, and payout status.
  • Rename columns to be explicit (for example, “Net surrender value (₦)” or “Requested amount (₦)”).
  • Keep column names clear and unambiguous to improve extraction quality.

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Important notes

  • Always validate policy number, policy status, and surrender value against internal systems before approval.
  • Ensure limits and eligibility rules are applied consistently by claim type.
  • If a field is consistently wrong, simplify the column name or add a short instruction to the column prompt.

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Need help?

If you run into issues, contact the Wamiri support team at support@wamiri.com. Include:
  • What you were trying to do
  • What happened instead
  • Any error messages
  • Steps to reproduce
  • Screenshots or recordings (if available)