Enhance group insurance capabilities across census, quotes, contracts, and the policy lifecycle. Support enrollments, contract and policy endorsements, and renewals so carriers and employers can manage midterm changes and renewals at scale.
- Speed Up Contract Midterm Adjustments and Renewals by Generating a Baseline Census
When your reps and your clients’ HR admins prepare to update contract terms or member details, they can start with a shared census built from an existing group insurance contract. The census includes demographic details for members and dependents, along with employee classes and plan selections drawn from policies active on a selected change date. HR admins check the census and provide roster or member updates, and your reps use the updated census to prepare renewal or endorsement quotes. With this common starting point, both teams can turn sooner to the changes that matter and spend less time reentering and reconciling census data. - Renew Expiring Group Insurance Contracts for a New Term
Your reps can prepare a renewal quote for an expiring contract, carry forward unchanged contract terms and member benefits, and update terms agreed with the employer for the next benefit year. They can apply negotiated loyalty pricing and renewal-effective taxes and fees. They can also reflect approved benefit-class changes and apply coverage eligibility based on how long the group has been associated with the carrier and regulatory compliance or offerings. After the renewal terms are finalized, automate contract creation for the next period and link it to the prior contract for auditability. - Adjust Group Insurance Contracts Midterm as Customer Needs and Regulations Change
When customers request midterm changes, such as adding coverage or extending dependent eligibility, your reps can create an endorsement quote from a group insurance contract. For carrier rate adjustments or regulatory tax changes, they can include the revised terms and the date they take effect in the quote. After repricing the quote, they can finalize it to create the next contract version while preserving the earlier contract terms for compliance and audits. - Automate Member Plan Assignment for Straight-Through Processing
Assign root plans and coverages to members and their dependents based on group class and plan eligibility from the contract. To speed processing and reduce manual effort across enrollment, endorsement, and renewal, create and update member policies from the staging census. For members using automated plan assignment, ensure only one root plan in each product category is eligible. Multiple eligible plans return an error. When provided, overrides to the plan configuration take priority over base eligibility. - Clone Group Census Data to Compare Plan Configurations
Clone a group census and its related members, plans, and plan attributes in one asynchronous operation. Review and compare costs across different plan configurations for the same member or group of members before a policy lifecycle operation. Reuse census data across business operations for the same group without uploading the same data again later in the journey. Optionally use reference mapping from quote to contract or contract to quote. - Calculate Group Taxes and Fees to Meet Regulatory and Operational Costs
Capture tax and fee surcharges at the coverage, member, or policy line item instead of rolling them into a premium calculation. Define each surcharge as a flat amount, percentage, or expression set, and set the sequence, proration, and refund behavior. Apply up to five taxes and five fees per quote line item. Before a policy operation, view the breakdown in Group Census Member Plan Surcharge. After the operation succeeds, view the breakdown in Insurance Policy Surcharge. Rating excludes class-level surcharges. - Price Group Benefits Quotes and Policies with an External Rating Engine
Calculate group benefit premiums with a member-level breakdown during quoting and policy lifecycle management by using an external rating engine. Reuse the existing rating engine or configuration in your external systems without rebuilding that logic in Salesforce. After the external rating engine returns the calculated premium, taxes and fees are calculated based on the product surcharge configuration. - Process Group Enrollments, Endorsements, and Renewals in Parallel at Scale
Your reps can run bulk enrollment, endorsement, and renewal operations across multiple group accounts at the same time, or generate mutually exclusive censuses in bulk for the same account concurrently. Families within a single census also process in parallel, so large-group onboarding and renewal cycles complete in hours instead of days. If a family or group fails to process, the remaining operations complete and reps can review the failure in a detailed error report. - Adjust Member Policies Mid-Term for Life Events
Manage life events and workforce changes during the policy term without changing contract terms or reprocessing the entire group. Process employee additions, terminations, marriages, births, promotions, and plan or coverage change requests through a consistent member adjustment workflow. Preserve policy history and continuity of coverage by applying the appropriate policy update for each member event. - Keep Member Policies Aligned with Contract Endorsements
Apply mid-term group insurance contract changes to eligible member policies during the policy term. When endorsed contract terms change, such as coverage modifications or group class eligibility updates, process affected members and their dependents based on their eligibility and benefit selections. Apply the appropriate member policy updates based on endorsed contract terms. Upload an updated employee roster with plan configurations to process member changes. - Renew Member Policies for the Next Contract Term
Renew eligible member policies for the next contract term when a renewed contract is available and the renewal enrollment window opens. Update the member roster and benefit plan elections through the renewal census, and then create new policies for eligible members and their dependents in a single bulk operation instead of renewing each policy individually. Each renewed policy links to its predecessor, where applicable, to preserve renewal history and ensure a consistent transition to the renewed contract. - Review Cost Impact and Make Better Policy Lifecycle Decisions
Understand the financial impact of policy lifecycle changes before processing them. Compare previous and updated costs at census summary and individual member levels, including premiums, taxes, and fees. Review attribute-level changes for root products and coverages alongside cost breakdowns across members, dependents, plans, and coverages to understand how proposed changes affect pricing. - Configure Bespoke Member Plans for Flexible Benefits
Customize member-specific benefit configurations without changing the standard group configuration. Apply member-level plan and attribute overrides during quoting or census management before policy operation. Preserve custom member configurations throughout the policy lifecycle including enrollment, mid-term updates, and renewal. Copy overrides from one member to another member within the same root product and group class during quoting for faster bespoke configuration. - Review Member-Level Premiums for Greater Pricing Transparency
Review individual member and dependent costs during group quoting instead of relying only on aggregated totals at the root product or coverage level. Persist member-level premiums, taxes, and fees after rating to improve pricing visibility. Capture prorated costs based on quote start and end dates for contract terms and endorsements. - Generate Contract Transactions from Policy Transactions On Demand
Capture the financial impact of policy lifecycle operations at the contract level by rolling up eligible policy transactions and policy transaction details into contract transactions and contract transaction details. Process only policy transactions that haven't already been rolled up, so each rollup includes only new enrollments, endorsements, renewals, or cancellations and avoids duplicate accounting. Configure transaction detail granularity for summary reporting or more detailed financial breakdowns throughout the contract lifecycle. - New Connect REST APIs in Group Benefits
Use the Group Benefits Connect APIs to support end-to-end group insurance workflows, including census, quote, contract, and policy lifecycle management. The APIs also support post-insurance operations, such as policy and contract endorsements and renewals, helping accommodate individual life events, changes in carrier offerings or regulations, and ongoing benefits administration. - Changed Connect REST API Request Bodies in Group Benefits
Use these new values to make off-contract changes to group census member plans. - Changed Connect REST API Response Bodies in Group Benefits
Use these new values to review off-contract coverage details and configurator results for group census member plans. - New Connect in Apex Methods in Group Benefits
Use these new Connect in Apex methods to clone and map group census data, issue, endorse, and renew contracts from quotes, and generate or refresh census members. - Changed Connect in Apex Input Classes in Group Benefits
Use these new values to make off-contract changes to group census member plans. - Changed Connect in Apex Output Classes in Group Benefits
Use these new values to review off-contract coverage details and configurator results for group census member plans. - New Invocable Actions in Group Benefits
Streamline mid-term adjustments for group census member plans, and efficiently cancel and endorse group census member policies. Additionally, create endorsement or renewal quotes directly from insurance contracts and generate group census records to automate complex policy lifecycle processes group census members.