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Insurance SOP, Workflow & Process Templates

Editable insurance process flowcharts for quotes, underwriting, policy administration, FNOL, claims assessment, fraud review, settlement, renewals, complaints and brokers.

A connected operating library for insurers, brokers, MGAs, claims administrators and insurtech teams. Start with an editable claims process flowchart, then follow the handoffs back to quote and underwriting or forward to settlement and renewal.

The policy lifecycle links customer onboarding, quote, underwriting, issue, servicing and renewal. The quote-to-policy chart shows acceptance and binding conditions as separate decisions; underwriting checks the application against the insurer's own appetite and authority before terms are communicated. Policy administration carries later changes, corrections and cancellations with an effective date and a document record.

A loss starts at first notice of loss, then moves through document collection, assessment and settlement. The claims overview keeps coverage, evidence and approval visible in one chart. Motor, property and travel claims specialize the assessment route; health insurance administration covers claim validation and benefit adjudication without clinical advice. Fraud review is a documented referral and investigation alongside ordinary claims handling, with findings returned to the claim decision owner.

Complaints, broker placement, commercial underwriting, premium collection, vendor onboarding, system implementation, product development and document control sit beside those two main chains. The templates are vendor-neutral operational starting points. Product terms, disclosure duties, deadlines, consumer rights and investigation powers vary by jurisdiction; adapt each chart with the appropriate specialists before using it as a procedure.

Make each handoff visible

Quote, underwriting, policy operations, claims, finance and brokers often work from different records. These charts show who validates the input, who decides, what sends a case back, and what the next team receives. Use QueryChart swimlanes to revise the process with its owners and version control to retain the approved version.

Featured templates

  • Insurance Claims Process flowchart template

    Editable insurance claims workflow with swimlanes for Policyholder, Claims Handler, Claims Adjuster, two decision gates, correction and review loops, and a documented handoff to the next insurance operation.

  • First Notice of Loss (FNOL) Process flowchart template

    Editable first notice of loss (fnol) workflow with swimlanes for Policyholder, Contact Centre / Portal, Claims System, two decision gates, correction and review loops, and a documented handoff to the next insurance operation.

  • Insurance Underwriting Process flowchart template

    Editable insurance underwriting workflow with swimlanes for Applicant, Broker, Underwriting, two decision gates, correction and review loops, and a documented handoff to the next insurance operation.

  • Insurance Policy Lifecycle flowchart template

    Editable insurance policy lifecycle workflow with swimlanes for Customer, Broker / Agent, Underwriting, two decision gates, correction and review loops, and a documented handoff to the next insurance operation.

Process families

Policy lifecycle

Move an accepted quote through underwriting, issue, servicing and renewal while keeping the policy state and effective dates consistent. These charts identify the handoffs and decision owners in a vendor-neutral insurance operation.

  1. Insurance Quote Process flowchart template

    Editable insurance quote workflow with swimlanes for Customer, Broker / Agent, Rating Operations, two decision gates, correction and review loops, and a documented handoff to the next insurance operation.

  2. Insurance Application Process flowchart template

    Editable insurance application workflow with swimlanes for Applicant, Broker / Agent, New Business Operations, two decision gates, correction and review loops, and a documented handoff to the next insurance operation.

  3. Insurance Underwriting Process flowchart template

    Editable insurance underwriting workflow with swimlanes for Applicant, Broker, Underwriting, two decision gates, correction and review loops, and a documented handoff to the next insurance operation.

  4. Insurance Policy Issuance Process flowchart template

    Editable insurance policy issuance workflow with swimlanes for Customer, Underwriting, Policy Operations, two decision gates, correction and review loops, and a documented handoff to the next insurance operation.

  5. Insurance Policy Administration Process flowchart template

    Editable insurance policy administration workflow with swimlanes for Policyholder, Customer Service, Underwriting, two decision gates, correction and review loops, and a documented handoff to the next insurance operation.

  6. Insurance Renewal Process flowchart template

    Editable insurance renewal workflow with swimlanes for Policyholder, Policy Operations, Underwriting, two decision gates, correction and review loops, and a documented handoff to the next insurance operation.

Also part of this family

  • Insurance Policy Lifecycle flowchart template — Editable insurance policy lifecycle workflow with swimlanes for Customer, Broker / Agent, Underwriting, two decision gates, correction and review loops, and a documented handoff to the next insurance operation.
  • Insurance Customer Onboarding Process flowchart template — Editable insurance customer onboarding workflow with swimlanes for Customer, Broker / Agent, Customer Service, two decision gates, correction and review loops, and a documented handoff to the next insurance operation.
  • Insurance Quote-to-Policy Process flowchart template — Editable insurance quote-to-policy workflow with swimlanes for Customer, Broker / Agent, Underwriting, two decision gates, correction and review loops, and a documented handoff to the next insurance operation.
  • Insurance Policy Cancellation Process flowchart template — Editable insurance policy cancellation workflow with swimlanes for Policyholder, Customer Service, Policy Operations, two decision gates, correction and review loops, and a documented handoff to the next insurance operation.

View the sequence

Quotes & applications

  • Insurance Quote Process flowchart template — Editable insurance quote workflow with swimlanes for Customer, Broker / Agent, Rating Operations, two decision gates, correction and review loops, and a documented handoff to the next insurance operation.
  • Insurance Application Process flowchart template — Editable insurance application workflow with swimlanes for Applicant, Broker / Agent, New Business Operations, two decision gates, correction and review loops, and a documented handoff to the next insurance operation.
  • Insurance Quote-to-Policy Process flowchart template — Editable insurance quote-to-policy workflow with swimlanes for Customer, Broker / Agent, Underwriting, two decision gates, correction and review loops, and a documented handoff to the next insurance operation.

Underwriting

Policy administration

Handle policy changes, corrections and cancellations with a checked effective date and a controlled policy record. These charts identify the handoffs and decision owners in a vendor-neutral insurance operation.

  • Insurance Policy Issuance Process flowchart template — Editable insurance policy issuance workflow with swimlanes for Customer, Underwriting, Policy Operations, two decision gates, correction and review loops, and a documented handoff to the next insurance operation.
  • Insurance Policy Administration Process flowchart template — Editable insurance policy administration workflow with swimlanes for Policyholder, Customer Service, Underwriting, two decision gates, correction and review loops, and a documented handoff to the next insurance operation.
  • Insurance Policy Cancellation Process flowchart template — Editable insurance policy cancellation workflow with swimlanes for Policyholder, Customer Service, Policy Operations, two decision gates, correction and review loops, and a documented handoff to the next insurance operation.
  • Insurance Document Version Control flowchart template — Editable insurance document version control workflow with swimlanes for Product, Legal / Compliance, Policy Operations, two decision gates, correction and review loops, and a documented handoff to the next insurance operation.

Claims

Follow a reported loss from first notice through a registered file, document collection, assessment and settlement. These charts identify the handoffs and decision owners in a vendor-neutral insurance operation.

  1. First Notice of Loss (FNOL) Process flowchart template

    Editable first notice of loss (fnol) workflow with swimlanes for Policyholder, Contact Centre / Portal, Claims System, two decision gates, correction and review loops, and a documented handoff to the next insurance operation.

  2. Claim Documentation Process flowchart template

    Editable claim documentation workflow with swimlanes for Policyholder, Claims Handler, Claims System, two decision gates, correction and review loops, and a documented handoff to the next insurance operation.

  3. Claim Assessment Process flowchart template

    Editable claim assessment workflow with swimlanes for Policyholder, Claims Handler, Claims Adjuster, two decision gates, correction and review loops, and a documented handoff to the next insurance operation.

  4. Claim Settlement Process flowchart template

    Editable claim settlement workflow with swimlanes for Claims Handler, Approver, Finance, two decision gates, correction and review loops, and a documented handoff to the next insurance operation.

  5. Claim Payment Process flowchart template

    Editable claim payment workflow with swimlanes for Claims Handler, Approver, Finance, two decision gates, correction and review loops, and a documented handoff to the next insurance operation.

Also part of this family

  • Insurance Claims Process flowchart template — Editable insurance claims workflow with swimlanes for Policyholder, Claims Handler, Claims Adjuster, two decision gates, correction and review loops, and a documented handoff to the next insurance operation.
  • Motor Insurance Claim Process flowchart template — Editable motor insurance claim workflow with swimlanes for Policyholder, Claims Handler, Vehicle Assessor, two decision gates, correction and review loops, and a documented handoff to the next insurance operation.
  • Property Insurance Claim Process flowchart template — Editable property insurance claim workflow with swimlanes for Policyholder, Claims Handler, Property Adjuster, two decision gates, correction and review loops, and a documented handoff to the next insurance operation.

View the sequence

FNOL

  • First Notice of Loss (FNOL) Process flowchart template — Editable first notice of loss (fnol) workflow with swimlanes for Policyholder, Contact Centre / Portal, Claims System, two decision gates, correction and review loops, and a documented handoff to the next insurance operation.

Travel claims

  • Travel Insurance Claim Process flowchart template — Editable travel insurance claim workflow with swimlanes for Traveller, Claims Handler, Travel Assistance Provider, two decision gates, correction and review loops, and a documented handoff to the next insurance operation.

Health insurance administration

  • Health Insurance Claim Process flowchart template — Editable health insurance claim workflow with swimlanes for Member, Healthcare Provider, Claims Operations, two decision gates, correction and review loops, and a documented handoff to the next insurance operation.

Claims settlement

  • Claim Settlement Process flowchart template — Editable claim settlement workflow with swimlanes for Claims Handler, Approver, Finance, two decision gates, correction and review loops, and a documented handoff to the next insurance operation.
  • Claim Payment Process flowchart template — Editable claim payment workflow with swimlanes for Claims Handler, Approver, Finance, two decision gates, correction and review loops, and a documented handoff to the next insurance operation.

Fraud review

  • Claims Fraud Investigation Process flowchart template — Editable claims fraud investigation workflow with swimlanes for Claims Handler, Fraud / Special Investigation, Approver, two decision gates, correction and review loops, and a documented handoff to the next insurance operation.

Renewals

  • Insurance Renewal Process flowchart template — Editable insurance renewal workflow with swimlanes for Policyholder, Policy Operations, Underwriting, two decision gates, correction and review loops, and a documented handoff to the next insurance operation.

Complaints

  • Insurance Complaint Handling Process flowchart template — Editable insurance complaint handling workflow with swimlanes for Customer, Customer Service, Complaint Handler, two decision gates, correction and review loops, and a documented handoff to the next insurance operation.

Brokers

  • Insurance Broker Process flowchart template — Editable insurance broker workflow with swimlanes for Customer, Broker, Insurer / Underwriter, two decision gates, correction and review loops, and a documented handoff to the next insurance operation.

Commercial insurance

Premiums

  • Insurance Premium Payment Process flowchart template — Editable insurance premium payment workflow with swimlanes for Policyholder, Billing Operations, Payment Provider, two decision gates, correction and review loops, and a documented handoff to the next insurance operation.

Compliance

  • Insurance Compliance Review Process flowchart template — Editable insurance compliance review workflow with swimlanes for Operations, Legal / Compliance, Control Owner, two decision gates, correction and review loops, and a documented handoff to the next insurance operation.

Product management

Document control

  • Insurance Document Version Control flowchart template — Editable insurance document version control workflow with swimlanes for Product, Legal / Compliance, Policy Operations, two decision gates, correction and review loops, and a documented handoff to the next insurance operation.

Vendors

  • Insurance Vendor Onboarding flowchart template — Editable insurance vendor onboarding workflow with swimlanes for Business Owner, Procurement, Risk / Compliance, two decision gates, correction and review loops, and a documented handoff to the next insurance operation.

Systems

How the processes connect

All Insurance templates

Policy lifecycle

  • Insurance Policy Lifecycle flowchart template — Editable insurance policy lifecycle workflow with swimlanes for Customer, Broker / Agent, Underwriting, two decision gates, correction and review loops, and a documented handoff to the next insurance operation.
  • Insurance Customer Onboarding Process flowchart template — Editable insurance customer onboarding workflow with swimlanes for Customer, Broker / Agent, Customer Service, two decision gates, correction and review loops, and a documented handoff to the next insurance operation.
  • Insurance Policy Issuance Process flowchart template — Editable insurance policy issuance workflow with swimlanes for Customer, Underwriting, Policy Operations, two decision gates, correction and review loops, and a documented handoff to the next insurance operation.

Quotes & applications

  • Insurance Quote-to-Policy Process flowchart template — Editable insurance quote-to-policy workflow with swimlanes for Customer, Broker / Agent, Underwriting, two decision gates, correction and review loops, and a documented handoff to the next insurance operation.
  • Insurance Quote Process flowchart template — Editable insurance quote workflow with swimlanes for Customer, Broker / Agent, Rating Operations, two decision gates, correction and review loops, and a documented handoff to the next insurance operation.
  • Insurance Application Process flowchart template — Editable insurance application workflow with swimlanes for Applicant, Broker / Agent, New Business Operations, two decision gates, correction and review loops, and a documented handoff to the next insurance operation.

Underwriting

  • Insurance Underwriting Process flowchart template — Editable insurance underwriting workflow with swimlanes for Applicant, Broker, Underwriting, two decision gates, correction and review loops, and a documented handoff to the next insurance operation.

Policy administration

Claims

  • Insurance Claims Process flowchart template — Editable insurance claims workflow with swimlanes for Policyholder, Claims Handler, Claims Adjuster, two decision gates, correction and review loops, and a documented handoff to the next insurance operation.
  • Claim Documentation Process flowchart template — Editable claim documentation workflow with swimlanes for Policyholder, Claims Handler, Claims System, two decision gates, correction and review loops, and a documented handoff to the next insurance operation.
  • Claim Assessment Process flowchart template — Editable claim assessment workflow with swimlanes for Policyholder, Claims Handler, Claims Adjuster, two decision gates, correction and review loops, and a documented handoff to the next insurance operation.
  • Motor Insurance Claim Process flowchart template — Editable motor insurance claim workflow with swimlanes for Policyholder, Claims Handler, Vehicle Assessor, two decision gates, correction and review loops, and a documented handoff to the next insurance operation.
  • Property Insurance Claim Process flowchart template — Editable property insurance claim workflow with swimlanes for Policyholder, Claims Handler, Property Adjuster, two decision gates, correction and review loops, and a documented handoff to the next insurance operation.

FNOL

  • First Notice of Loss (FNOL) Process flowchart template — Editable first notice of loss (fnol) workflow with swimlanes for Policyholder, Contact Centre / Portal, Claims System, two decision gates, correction and review loops, and a documented handoff to the next insurance operation.

Travel claims

  • Travel Insurance Claim Process flowchart template — Editable travel insurance claim workflow with swimlanes for Traveller, Claims Handler, Travel Assistance Provider, two decision gates, correction and review loops, and a documented handoff to the next insurance operation.

Health insurance administration

  • Health Insurance Claim Process flowchart template — Editable health insurance claim workflow with swimlanes for Member, Healthcare Provider, Claims Operations, two decision gates, correction and review loops, and a documented handoff to the next insurance operation.

Claims settlement

  • Claim Settlement Process flowchart template — Editable claim settlement workflow with swimlanes for Claims Handler, Approver, Finance, two decision gates, correction and review loops, and a documented handoff to the next insurance operation.
  • Claim Payment Process flowchart template — Editable claim payment workflow with swimlanes for Claims Handler, Approver, Finance, two decision gates, correction and review loops, and a documented handoff to the next insurance operation.

Fraud review

  • Claims Fraud Investigation Process flowchart template — Editable claims fraud investigation workflow with swimlanes for Claims Handler, Fraud / Special Investigation, Approver, two decision gates, correction and review loops, and a documented handoff to the next insurance operation.

Renewals

  • Insurance Renewal Process flowchart template — Editable insurance renewal workflow with swimlanes for Policyholder, Policy Operations, Underwriting, two decision gates, correction and review loops, and a documented handoff to the next insurance operation.

Complaints

  • Insurance Complaint Handling Process flowchart template — Editable insurance complaint handling workflow with swimlanes for Customer, Customer Service, Complaint Handler, two decision gates, correction and review loops, and a documented handoff to the next insurance operation.

Brokers

  • Insurance Broker Process flowchart template — Editable insurance broker workflow with swimlanes for Customer, Broker, Insurer / Underwriter, two decision gates, correction and review loops, and a documented handoff to the next insurance operation.

Commercial insurance

Premiums

  • Insurance Premium Payment Process flowchart template — Editable insurance premium payment workflow with swimlanes for Policyholder, Billing Operations, Payment Provider, two decision gates, correction and review loops, and a documented handoff to the next insurance operation.

Compliance

  • Insurance Compliance Review Process flowchart template — Editable insurance compliance review workflow with swimlanes for Operations, Legal / Compliance, Control Owner, two decision gates, correction and review loops, and a documented handoff to the next insurance operation.

Product management

Document control

  • Insurance Document Version Control flowchart template — Editable insurance document version control workflow with swimlanes for Product, Legal / Compliance, Policy Operations, two decision gates, correction and review loops, and a documented handoff to the next insurance operation.

Vendors

  • Insurance Vendor Onboarding flowchart template — Editable insurance vendor onboarding workflow with swimlanes for Business Owner, Procurement, Risk / Compliance, two decision gates, correction and review loops, and a documented handoff to the next insurance operation.

Systems

QueryChart features for Insurance

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