✏️ Handle Mid-Term Changes Cleanly

Clients change things mid-term and our records drift out of date. Build me an endorsement app. Log every mid-term change request with the client, the policy, what is changing, the date requested, the date it should take effect and who requested it. Track it through Requested, Sent to Carrier, Confirmed or Declined, and never update the policy record itself until the carrier has confirmed, so a request is never mistaken for cover. Record any premium adjustment and whether it has been billed and collected. Notify the client in writing when a change is confirmed, stating clearly the effective date. Add an AI agent that reviews open endorsements and flags anything sent to a carrier without confirmation for longer than a window I set, anything with an effective date already passed that is still unconfirmed, and anything confirmed but never billed. Automate three things: a chase to the carrier on unconfirmed requests, a confirmation to the client, and a scheduled weekly list of open endorsements by age. Two logins: an administrator who logs and chases changes, and an owner who sees the full picture.