[lmi-commits] [5625] Improve enablement and documentation of rated WP and ADB

[Greg Chicares]

Revision: 5625
          http://svn.sv.gnu.org/viewvc/?view=rev&root=lmi&revision=5625
Author:   chicares
Date:     2012-12-18 08:59:30 +0000 (Tue, 18 Dec 2012)
Log Message:
-----------
Improve enablement and documentation of rated WP and ADB

Modified Paths:
--------------
    lmi/trunk/ihs_basicval.cpp
    lmi/trunk/ihs_mortal.cpp
    lmi/trunk/input_harmonization.cpp

Modified: lmi/trunk/ihs_basicval.cpp
===================================================================
--- lmi/trunk/ihs_basicval.cpp  2012-12-14 13:54:23 UTC (rev 5624)
+++ lmi/trunk/ihs_basicval.cpp  2012-12-18 08:59:30 UTC (rev 5625)
@@ -818,8 +818,15 @@
             ;
         }
 
-    // Spouse and child riders are not similarly tested because
-    // their rates shouldn't depend on the main insured's health.
+    // SOMEDAY !! WP and ADB shouldn't always be forbidden with table
+    // ratings and flat extras. For now, they're not supported due to
+    // lack of demand and complexity. These riders are likely to
+    // require their own ratings that differ from the base policy's
+    // because the insured contingencies differ.
+    //
+    // Spouse and child riders are not similarly restricted because
+    // their rates don't depend on the main insured's health, and the
+    // people they cover are unlikely to be underwritten.
     if(is_policy_rated(yare_input_) && yare_input_.WaiverOfPremiumBenefit)
         {
         fatal_error()

Modified: lmi/trunk/ihs_mortal.cpp
===================================================================
--- lmi/trunk/ihs_mortal.cpp    2012-12-14 13:54:23 UTC (rev 5624)
+++ lmi/trunk/ihs_mortal.cpp    2012-12-18 08:59:30 UTC (rev 5625)
@@ -244,13 +244,13 @@
 
     if(AllowAdb_)
         {
-// TODO ?? No substandard support yet for this rider.
+// SOMEDAY !! Add substandard support for this rider (blocked upstream for 
now).
 //        MakeCoiRateSubstandard(AdbRates_);
         }
 
     if(AllowWp_)
         {
-// TODO ?? No substandard support yet for this rider.
+// SOMEDAY !! Add substandard support for this rider (blocked upstream for 
now).
 //        MakeCoiRateSubstandard(WpRates_);
         }
 

Modified: lmi/trunk/input_harmonization.cpp
===================================================================
--- lmi/trunk/input_harmonization.cpp   2012-12-14 13:54:23 UTC (rev 5624)
+++ lmi/trunk/input_harmonization.cpp   2012-12-18 08:59:30 UTC (rev 5625)
@@ -665,10 +665,15 @@
     TermAdjustmentMethod.allow(mce_adjust_term, enable_term);
     TermAdjustmentMethod.allow(mce_adjust_both, enable_term);
 
-    WaiverOfPremiumBenefit.enable(        database_->Query(DB_AllowWp));
-    WaiverOfPremiumBenefit.allow(mce_yes, database_->Query(DB_AllowWp));
-    AccidentalDeathBenefit.enable(        database_->Query(DB_AllowAdb));
-    AccidentalDeathBenefit.allow(mce_yes, database_->Query(DB_AllowAdb));
+    // Analysis of database vector quantities is generally avoided
+    // in this function, in the interest of simplicity and speed.
+    // Otherwise, this condition would include flat extras. But
+    // this WP and ADB restriction is incidental, not essential.
+    bool contract_is_rated(mce_rated == UnderwritingClass);
+    WaiverOfPremiumBenefit.enable(        database_->Query(DB_AllowWp ) && 
!contract_is_rated);
+    WaiverOfPremiumBenefit.allow(mce_yes, database_->Query(DB_AllowWp ) && 
!contract_is_rated);
+    AccidentalDeathBenefit.enable(        database_->Query(DB_AllowAdb) && 
!contract_is_rated);
+    AccidentalDeathBenefit.allow(mce_yes, database_->Query(DB_AllowAdb) && 
!contract_is_rated);
 
     ChildRider       .enable(        database_->Query(DB_AllowChildRider));
     ChildRider       .allow(mce_yes, database_->Query(DB_AllowChildRider));