> ## Documentation Index
> Fetch the complete documentation index at: https://help.alk.work/llms.txt
> Use this file to discover all available pages before exploring further.

# Surrender Claims — Life Business

> Process life insurance surrender and policy loan claims with automated eligibility assessment and discharge voucher generation

## 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).

<Tip>
  To set up the workflow (creating sessions, uploading documents, running a workflow, and exporting), see [Setting Up a Workflow](/workflows/setting-up-a-workflow) for a comprehensive guide. This page focuses on what's specific to **Surrender Claims — Life Business**.
</Tip>

## 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

## Step-by-step usage

<Steps>
  <Step title="Open the workflow">
    Navigate to **Workflows** > **Template gallery** and select **Surrender Claims — Life Business**.
  </Step>

  <Step title="Upload documents">
    Upload claim/request documents (surrender request form, policy schedule, customer ID/KYC, bank details, discharge voucher forms, and any required internal approvals).
  </Step>

  <Step title="Upload supporting documents (optional)">
    Upload supporting documents (e.g., statements, beneficiary/assignee documentation, correspondence) if needed by your process.
  </Step>

  <Step title="Run extraction">
    Click **Run** to begin extraction, eligibility checks, and voucher drafting.
  </Step>

  <Step title="Review extracted fields">
    Review extracted fields and edit anything that is incorrect (especially values, limits, and bank details).
  </Step>

  <Step title="Export">
    Export results (CSV or Excel) for claims processing and reporting.
  </Step>
</Steps>

## Inputs

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

## 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.

## Standard fields (default columns)

| Field                                | Description                                                                                                                                             | Field Type    | Task Type   |
| ------------------------------------ | ------------------------------------------------------------------------------------------------------------------------------------------------------- | ------------- | ----------- |
| **POLICYHOLDER FULL NAME**           | Full name of the policyholder (as shown on policy records and claim documents).                                                                         | Text          | Extraction  |
| **POLICY NUMBER**                    | Policy identifier used to verify coverage and values.                                                                                                   | Text          | Extraction  |
| **POLICY TYPE**                      | Policy product/type (e.g., endowment, whole life, term, savings-linked) as applicable.                                                                  | Select/Text   | Extraction  |
| **CLAIM TYPE**                       | Claim type (Full Surrender, Partial Surrender, Loan).                                                                                                   | Select        | Extraction  |
| **POLICY INCEPTION DATE**            | Policy start/inception date.                                                                                                                            | Date          | Extraction  |
| **POLICY STATUS**                    | Policy status at time of request (e.g., Active, Lapsed, Matured, Paid-up, Cancelled).                                                                   | Status/Select | Extraction  |
| **SUM ASSURED**                      | Sum assured on the policy schedule.                                                                                                                     | Number        | Extraction  |
| **SURRENDER VALUE CALCULATION DATE** | Date the surrender value was calculated (system date/valuation date).                                                                                   | Date          | Extraction  |
| **NET SURRENDER VALUE**              | Net surrender value after applicable charges/adjustments.                                                                                               | Number        | Computation |
| **ACCOUNT NAME**                     | Bank account name for payout.                                                                                                                           | Text          | Extraction  |
| **ACCOUNT NUMBER**                   | Bank account number for payout.                                                                                                                         | Text          | Extraction  |
| **BANK NAME**                        | Bank name for payout.                                                                                                                                   | Text          | Extraction  |
| **REQUESTED AMOUNT**                 | Amount requested by the policyholder (relevant for partial surrender and loans; for full surrender, this may be blank or equal to net surrender value). | Number        | Extraction  |
| **MINIMUM PERMITTED AMOUNT**         | Minimum permitted amount based on product rules/policy terms.                                                                                           | Number        | Policy Rule |
| **MAXIMUM PERMITTED AMOUNT**         | Maximum permitted amount based on product rules (e.g., % of surrender value for loans/partial withdrawals).                                             | Number        | Policy Rule |
| **ELIGIBILITY STATUS**               | Eligibility outcome (e.g., Eligible, Not Eligible, Needs Review) with brief rationale.                                                                  | Status/Select | Decision    |
| **DOCUMENT COMPLETENESS STATUS**     | Overall document completeness outcome (e.g., Complete, Missing Mandatory, Missing Preferred) with notes if needed.                                      | Status/Select | Assessment  |
| **DISCHARGE VOUCHER AMOUNT**         | Amount to be stated on the discharge voucher (typically net payable amount).                                                                            | Number        | Computation |
| **ROUTING DECISION**                 | Routing decision (e.g., Approve, Hold, Decline, Escalate) with brief rationale.                                                                         | Select/Text   | Decision    |
| **DISCHARGE VOUCHER TEXT**           | Draft discharge voucher text to be reviewed and issued (include key identifiers, amounts, and confirmation language).                                   | Text          | Generation  |

## 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.

## 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.

## Related articles

* [Setting Up a Workflow](/workflows/setting-up-a-workflow)
* [How To Add Custom Columns](/workflows/setting-up-a-workflow#how-to-add-custom-columns)

## Need help?

If you run into issues, contact the Wamiri support team at [support@wamiri.com](mailto:support@wamiri.com). Include:

* What you were trying to do
* What happened instead
* Any error messages
* Steps to reproduce
* Screenshots or recordings (if available)