Nextera Link modules
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Nextera Link has six modules. Two of them — Product catalog and Channel management — are configuration that everything else draws on; the other four are where daily work happens.
If any term here is unfamiliar, read Insurance distribution concepts first.
Product catalog
Section titled “Product catalog”Hold the sellable products, variants and eligibility rules that every quote draws from.
Purpose. The single definition of what may be sold: products and their variants, who may buy them, who may sell them, and the rating rules that price them. Everything else in Link resolves against this.
Depends on. Nothing — it is the foundation. Change it and every subsequent quote changes.
Watch for. Effective dating. A quote issued under last quarter’s rates must remain reproducible after a rate change, or you cannot defend it in a complaint.
Channel management
Section titled “Channel management”Manage agents, brokers and partner channels, each with their own products, rules and access.
Purpose. Producers and the channels they sit in, together with the hierarchy that determines who manages whom, who can see what, and how override commission flows upward.
Depends on. Product catalog, for which products each channel may sell.
Watch for. The hierarchy is the hardest thing to change later, because commission history is calculated against it. It is also where licensing and appointment expiry live — a distribution system that does not track both will eventually let an unlicensed producer bind business.
Quotation
Section titled “Quotation”Generate consistent quotes from the product catalogue, with rating and rules applied the same way every time.
Purpose. Turning a described risk into a price, using the catalogue’s rating and eligibility rules, so that the same risk gets the same answer regardless of who asked or through which channel.
Depends on. Product catalog for rules and rates; Channel management for who is permitted to quote what.
Lead management
Section titled “Lead management”Capture, assign and progress leads so nothing stalls between first contact and a bound policy.
Purpose. Ownership and momentum. Every lead has an owner and a next action, which is what stops pipelines leaking between first contact and submission.
Depends on. Channel management for assignment and visibility.
Watch for. Unowned leads and leads with no next action are the two states worth alerting on. Both are invisible in a conversion report and obvious in a time-in-stage report.
Sales workflow
Section titled “Sales workflow”Move each opportunity through a defined path from quote to submission to issued policy.
Purpose. The defined stages an opportunity passes through, so pipeline reporting means the same thing across channels and so nothing is left in an ambiguous state.
Depends on. Quotation and Lead management upstream; produces the issued policy that Commission tracking calculates against.
Watch for. Time in stage is usually more actionable than conversion rate. Conversion tells you that you lost; time in stage tells you where.
Commission tracking
Section titled “Commission tracking”Calculate and track commission by product and channel, ready for payout and reconciliation.
Purpose. Calculating what each producer and each level of the hierarchy has earned, tracking it from calculation through approval to payment, and handling clawback when a policy lapses or is cancelled.
Depends on. Product catalog (commission rates by product), Channel management (the hierarchy override flows through), and Sales workflow (what was actually issued).
Watch for. Clawback. It usually runs on a sliding scale by month of cancellation and has to reach backwards through the hierarchy to recover override as well as direct commission. Test any commission design against clawback before signing it off — this is the single most disputed calculation in distribution.