CN117252715B

CN117252715B - Insurance check method and system based on rule engine

Info

Publication number: CN117252715B
Application number: CN202311541846.1A
Authority: CN
Inventors: 许锦龙
Original assignee: Nanjing Huahe Information Technology Co ltd
Current assignee: Nanjing Huahe Information Technology Co ltd
Priority date: 2023-11-20
Filing date: 2023-11-20
Publication date: 2024-02-23
Anticipated expiration: 2043-11-20
Also published as: CN117252715A

Abstract

The invention provides an insurance check method and system based on a rule engine, comprising the steps of establishing insurance literal check specifications and acquiring the complete check requirements of an applicant; constructing a kernel protection factor library and setting a kernel protection rule: setting one or more groups of nuclear protection factors for each dangerous seed in the nuclear protection requirement according to the commodity characteristics, and independently setting one or more groups of specific nuclear protection factors for a single dangerous seed in the nuclear protection requirement according to the commodity characteristics; establishing a check rule base to form a rule list; the invention uses the javascript-like language to judge the defined check rules by mathematical expression and logic, and operates a rule engine; meanwhile, the dictionary container is used for enabling the applicant to define the underwriting variable according to the insurance risk characteristics, and the underwriting variable is free of predefined variables and limitation; through the self-defining of the underwriting specification and the output result format, the system meets the requirements of different insurance companies and has wide application prospect and economic benefit.

Description

Insurance check method and system based on rule engine

Technical Field

The invention relates to the technical field of insurance verification and calculation, in particular to an insurance verification method and system based on a rule engine.

Background

With the development of economy, the national gain is continuously improved, the demand of commercial insurance is larger and larger, the new premium per year is continuously enlarged, the commercial insurance becomes a rigid demand, and the insurance is a large-scale precise statistical behavior

In order to fairly and rationally reduce risks, the kernel insurance is a very important part, and the kernel insurance has basic commonality, but the kernel insurance rules have specificity to a great extent according to the business difference of different dangerous species of characteristics and each insurance company, and even if the kernel insurance parameters of different dangerous species are the same type of commodities, the kernel insurance has specific differences, so that different change requirements often appear on the kernel insurance, and complex variation exists on the execution of kernel insurance work, which is also a difficult problem of daily work of the insurance industry.

The traditional insurance underwriting process depends on manual operation, and an underwriting person is required to check information provided by an applicant one by one to perform manual evaluation and judgment so as to determine whether underwriting is performed.

This approach is inefficient, time consuming, laborious, error prone, and difficult to meet the market demand for fast response.

In recent years, with the development of artificial intelligence, big data and other technologies, insurance and security technologies have also been rapidly developed. In order to solve the problems, some insurance companies introduce an insurance verification system based on a rule engine to realize automatic insurance verification. These systems use a rules engine to manage the underwriting rules and make underwriting decisions based on information provided by the applicant.

In order to cope with huge amount of nuclear insurance workload, the nuclear insurance check is generally assisted by using calculator software except manual operation, and is assisted by using a rule engine except a traditional hard coding mode, however, most of rule engines in the current market use professional programming languages and most use DSL (digital subscriber line) languages or DRL (digital rights management) files for rule writing, so that the difficulty of rule writing and interpretation is increased, training of non-professional staff cannot be used, and the use is difficult for common users.

Meanwhile, the traditional rule engine uses predefined variables, is difficult to memorize, cannot meet diversified product forms, and cannot meet the flexibility and the customizability of different insurance companies and different insurance products.

Disclosure of Invention

Aiming at the defects existing in the prior art, the invention aims to provide an insurance check method and an insurance check system based on a rule engine, which can help insurance companies to realize automatic insurance through the proposed general insurance engine, improve the insurance efficiency and accuracy, and meet the demands of different insurance companies through self-defining the insurance specification and output result format, thereby having the advantage of improving the calculation efficiency. Solving the problems set forth in the background art.

In order to achieve the above object, the present invention is realized by the following technical scheme: a insurance check method based on a rule engine comprises the following steps:

establishing insurance literal verification and protection specifications, and acquiring the complete verification and protection requirements of an applicant;

constructing a kernel protection factor library and setting a kernel protection rule:

setting one or more groups of nuclear protection factors for each dangerous seed in the nuclear protection requirement according to the commodity characteristics, and independently setting one or more groups of specific nuclear protection factors for a single dangerous seed in the nuclear protection requirement according to the commodity characteristics;

establishing a check rule base, setting one or more groups of check rule conditions for each dangerous seed or the single dangerous seed, and forming a rule list;

an operation rule engine is established, a group of rule lists to be checked are obtained from a check rule base based on the check requirements, and each check factor value of the rule list to be checked is analyzed and calculated to obtain a check result so as to evaluate the application risk degree of the check requirements;

and checking the calculation process of the operation rule engine to optimize the core operation engine.

Compared with the prior art, the invention has the beneficial effects that:

the invention provides a check and protection engine which redefines a rule engine from a foundation, firstly, using a javascript-like language to judge defined check and protection rules through mathematical expression and logic, and operating the rule engine; secondly, using a dictionary container to enable an applicant to define a nuclear insurance variable according to the insurance risk characteristics, wherein the nuclear insurance variable is free of a predefined variable and free of limitation; meanwhile, the rule definition is stored in a data table of a general database, and is matched with a dangerous seed editor or maintained by using a general database maintenance tool; finally, the self-defined elastic insurance commodity and the insurance policy type insurance factor are used, the insurance factors are not preset in the rule engine, the user is completely given self definition, the number is not limited, and the requirements of different insurance companies are met; the automatic verification method helps the insurance company to realize automatic verification and improves verification efficiency and accuracy.

And the requirements of different insurance companies are met through the custom verification specification and the output result format, so that the method has wide application prospect and economic benefit.

Drawings

The disclosure of the present invention is described with reference to the accompanying drawings. It should be understood that the drawings are for purposes of illustration only and are not intended to limit the scope of the present invention in which like reference numerals are used to designate like parts. Wherein:

FIG. 1 is a timing diagram illustrating an insurance check based on a rule engine according to an embodiment of the present invention;

FIG. 2 is a block diagram illustrating components of a rule engine according to an embodiment of the present invention when performing insurance check;

FIG. 3 is a schematic diagram illustrating exemplary setting of various dangerous seed kernel protection factors according to an embodiment of the present invention;

FIG. 4 is a flow chart illustrating the operation rule engine according to an embodiment of the present invention when analyzing and calculating each kernel factor value.

Detailed Description

It is to be understood that, according to the technical solution of the present invention, those skilled in the art may propose various alternative structural modes and implementation modes without changing the true spirit of the present invention. Accordingly, the following detailed description and drawings are merely illustrative of the invention and are not intended to be exhaustive or to limit the invention to the precise form disclosed.

The present invention will be described in further detail with reference to the accompanying drawings, which are not intended to limit the invention.

As the understanding of the technical conception and the implementation principle of the invention, most of the prior art means rule engines use professional programming language, most use DSL language or DRL file to write rules, so that the difficulty of writing and interpreting the rules is increased, the training of non-professional staff can not be used, and the use is difficult for common users. Meanwhile, the traditional rule engine uses predefined variables, is difficult to memorize and cannot meet diversified product forms, and cannot meet the flexibility and the customizability of different insurance companies and different insurance products.

Therefore, the invention provides a method for realizing the flexible deployment and multi-environment application of complex nuclear protection checking logic through a small object processing technology by a protection checking system, gradually carrying out physical and chemical and quantitative analysis by disassembling and analyzing, simultaneously accommodating personalized checking variables by a dictionary container technology, completing various rules checking, and realizing the flexible deployment and multi-environment application possibility of a plurality of insurance companies by a modern software technology of micro-services.

For this purpose, as shown in fig. 1-2, as an embodiment of the present invention, a rule engine-based insurance check method is provided, which includes the following steps:

s1, defining a language by rules.

Because the rule writing and interpretation difficulty in the prior art is increased, and training of non-professional staff cannot be used, the method adopts a rule language similar to a general javascript language, is easy to understand and write, is convenient for business operators and developers to use together, and comprises the following specific implementation steps:

s1-1, preprocessing the acquired data: at least comprising data cleaning (invalidation, redundant data exclusion) _, data normalization (data merging according to insured person/insuring commodity), feature extraction (underwriting risk classification);

s1-2, performing core-preserving factor replacement, namely replacing the numerical value in a factor operation pool of current operation into rule list setting to be operated;

s1-3, calculating rule logic to obtain a new value and logic threshold value of the kernel protection factor, and replacing the new value and logic threshold value into a factor calculation pool.

S2, establishing insurance literal underwriting standards and obtaining the complete underwriting requirements of the applicant.

Based on the technical conception of S1 and S2, it should be noted that in the above steps, the following operation rule engine can be operated by using a javascript-like language to judge the defined check and check rules through mathematical expression and logic;

in the specific implementation, the text specification of the insurance about the applicant is firstly arranged in a mathematical expression so as to facilitate the high-batch operation of the policy check and approval by the computer program:

and (3) self-defining: i represents an insurance commodity, i _set A set of underwriting factors representing a single insurance commodity, r representing underwriting rules of the insurance commodity, r _set A set of underwriting rules representing insurance commodities;

the obtained check rule of the single insurance commodity is: (i) _set ∈ r _set )

And (3) self-defining: p represents the major class underwriting rule of the policy class, p _set Representative ofA large class of policy class rules set;

the obtained underwriting requirements for each applied commodity (insurance risk) for each policy are: { (i) _set ∈ r _set ), ( i _set ∈ r _set ), ( i _set ∈ r _set ) … … }; it should be noted that, a insurance commodity has some characteristics classified as death risk, deposit risk, accident risk, medical risk, etc., and each of the characteristics of the insurance commodity has respective insurance rules, for example, death risk is the level of death insurance, and medical risk is the value of the hospitalization day, so that the general insurance rules of the policy class in the present invention correspond to the age, sex, occupation, past medical history, etc. of each insured person.

Based on this, it should be noted that, after obtaining the underwriting requirement of each insurance product of each policy, the policy type of each policy needs to be considered, so the complete underwriting requirement of each insurance product of each policy with the policy category is:

E（X）= { ( i _set ∈ r _set ), ( i _set ∈ r _set ), ( i _set ∈ r _set ),……} ∩ p _set 。

s3, constructing a kernel protection factor library and setting a kernel protection rule:

as shown in fig. 3, one or more sets of kernel protection factors are set for each risk in the kernel protection requirement according to the commodity characteristics, one or more sets of specific kernel protection factors are set for a single risk in the kernel protection requirement according to the commodity characteristics, and the kernel protection factors of each risk or single risk are corresponding to different weight coefficients, wherein each kernel protection factor value is the product of the applied insurance amount and the weight coefficient. It should be noted that each risk is all insurance commodity individuals. A single hazard is a commodity individual;

examples are as follows:

the dangerous seed code is WL, and the risk coefficient is set by the guarantee responsibility and comprises a general casual risk variable, life and a factor coefficient of 1; acc, factor coefficient is 3; professional grade weight coefficient 0.2, common disability risk variable Mr, factor coefficient 1.2;

then the risk code is set in the factor library as follows, as shown in table 1:

Mark	SetCode	Formula	SetValue
				WL	Life	Null	1
WL	Acc	2.8+[@Level]*0.2	Null
				WL	Mr	Null	0.2

if the occupation level of the protected person is 1 and the guarantee amount is 50, three nuclear protection factors can be obtained after calculation as follows:

；

。

s4, establishing a check rule base, setting one or more groups of check rule conditions for each risk or the single risk, and forming a rule list.

It should be noted that, one or more sets of check rule conditions in the check rule base consist of one or more check variables, mathematical operation formulas and logic judgment words, in order to evaluate the risk level of the insurance application and determine whether to accept the insurance application, wherein,

the mathematical operation formula is used for calculating the relation among different kernel-preserving variables and at least comprises addition, subtraction, multiplication, division and power of the square; the logic judgment word is used for comparing the values of two or more underwriting variables and at least comprises equal to, unequal to, greater than, less than, greater than or equal to, less than or equal to, and or; the underwriting variable comprises underwriting information and insurance policy applied goods, and the underwriting information at least comprises the age, the premium and the occupation of the underwriting person; the insurance policy applied commodity at least comprises the highest limit of the identity guarantee of the insurance commodity.

Examples are as follows:

for example, in the insurance policy, a comprehensive evaluation may be performed on a plurality of variables such as age, premium, occupation, etc. of the insured person:

if the insured age is 30 years old or less and the premium is 5000 yuan or less, the underwriting passes, and the rule can be expressed by the following rule formula:

@age ≤ 30 AND @premium ≤ 5000

where, age represents the insured's age, premium represents the insured's premium, AND represents a logical "AND".

If the commodity is required to meet the maximum limit of 1000 ten thousand of the identity guarantee, setting a check rule as

[Life]<=1000

It should be noted that one dangerous seed may set one or more sets of rule conditions, and the silver-underwriting request will be checked one by one.

S5, an operation rule engine is established, a group of rule lists to be checked are obtained from a check rule base based on the check requirements, and each check factor value of the rule list to be checked is analyzed and calculated to obtain a check result so as to evaluate the application risk degree of the check requirements;

as shown in fig. 4, the specific steps of evaluating the risk of the underwriting request application by the underwriting result include:

a) Acquiring a group of rule list to be checked from a check rule base according to the insurance policy applied commodity and the insured person information;

b) Extracting each nuclear protection factor from the nuclear protection factor library according to the dangerous seed code, and placing the nuclear protection factors into a factor operation pool after calculation;

c) Extracting rule check rules from a check rule base by using dangerous codes, obtaining each check result, placing the calculated result into a factor operation pool, and using a forward link algorithm for subsequent check reference;

d) Extracting type rules from a check rule library by matching with the policy category, and calculating a check score by referring to weight coefficients corresponding to each check factor value of the factor operation pool to obtain a final check result;

based on the technical conception, it is to be noted that the dangerous seed code is an English code number of the dangerous seed, and the purpose of the quick calculation is to quickly calculate; the rule checking formula is a checking operation formula of the check and protection rule; the arithmetic rule engine performs accurate calculation and judgment by means of a mathematical operation formula and a logical operator so as to ensure the accuracy and fairness of risk assessment and check and protection decision; the type rule is classified based on the characteristics of each insurance commodity, such as death risk, deposit risk, accident risk, medical risk, etc., and each insurance commodity has a respective insurance rule, such as death risk is the height of death insurance, and medical risk is the value of the hospitalization day, so that the general insurance rules of the policy class in the invention correspond to the age, sex, occupation, past medical history, etc. of each insured person.

The factor operation pool uses a data dictionary container, key values of the factor operation pool are named by each rule, and the key values are collected and summarized according to uniqueness of the key values, and it can be understood that a general rule engine implementation mode adopts a predefined rule variable as a checking basis; the method is to discard the predefined method, directly adopt a user (applicant or commodity verification maintainer) to customize each rule variable according to the verification requirement, have no limitation, and the only requirement is that the variable key value is not repeatable. The purpose is that, in order to make insurance check rules complex and change at any time, various variable demands can be generated due to regulations, commodity characteristics or stage evaluation, and predefined variables can not meet practical demands, so that a fully dynamic factor operation pool is developed specifically, and evaluation is calculated and performed independently according to each insurance application.

And S6, after the check result is obtained to evaluate the application risk degree of the check requirement, checking and checking the calculation process of the operation rule engine to optimize the check operation engine.

Based on the above technical idea, it should be noted that,

because insurance products are typically composed of multiple individual products, each individual product has its own unique underwriting criteria and risk assessment criteria, while also taking into account overall underwriting requirements and adaptation rules. Therefore, the process for checking and checking the calculation process of the operation rule engine provided by the invention comprises two stages:

the first stage is:

based on the check rule library, checking the insurance literal check rules of the single products one by one according to the input sequence of the insurance products, and adding the insurance literal check rules into the corresponding check factor operation pool after the insurance literal check rules pass.

In the first stage of the underwriting check: the weight proportion of the insurance products is determined according to the sequence of the insurance products when the insurance products are applied, and the corresponding check is the check sequence, and because the weight of the corresponding insurance value of each insurance product is different, the corresponding insurance value is needed to be calculated based on the insurance factor in calculation.

The specific implementation method comprises the following steps: the operation rule engine provided by the invention firstly reads the submitted fundamental information of the insurance policy, wherein the fundamental information of the insurance policy comprises information of a insured person and nuclear variable information of the insurance policy insurance commodity; secondly, checking each rule of each insurance policy in turn according to the checking rules defined by the dangerous seed; thirdly, judging whether the insurance policy meets the requirements of the verification: and finally, if the insurance policy meets the underwriting standard, updating the underwriting variable value corresponding to the insurance policy into the underwriting factor operation pool.

The second stage is as follows:

and (3) carrying out check and check on the combined insurance content (insurance commodity combination purchased by the insured) based on the operation rule engine so as to ensure the compliance of the overall check and check requirements and the adaptation rules. In the implementation, the second stage is performed on the basis of the first stage, wherein in the second stage, all the underwriting variables need to be checked one by one, and all the checked underwriting variables comprise single-product underwriting variables and other comprehensive underwriting variables which pass through the underwriting check of the first stage.

Based on the technical conception, besides two-stage checking and verification, the relevance and the comprehensiveness among different underwriting variable values are considered, and corresponding prompts are given to the underwriting variable values which do not meet the specification requirements so as to help the operation engine to perform the checking better: in specific implementation, the operation rule engine combines the whole insurance content together, checks according to the overall insurance requirements and adaptation rules defined by insurance companies, gives a relative prompt if the overall insurance requirements and adaptation rules are met, otherwise prompts the failure of the insurance, wherein the overall insurance requirements and adaptation rules are determined according to the relation among the various insurance variables in submitted insurance information and the insurance requirements and adaptation rules defined by the insurance seeds.

In an embodiment of the present invention, most of the underwriting is not judged again after the supplementary material is provided by the user through the request, or the artificial underwriting is required to be transferred due to the non-underwriting standard body, the underwriting engine is required to provide clear and definite notification and guidance, and the decision module is used for approving the insurance application of the applicant, for this purpose, S7 is required, a underwriting decision is established, and the underwriting decision is made according to the underwriting result output by the operation rule engine, so as to examine and approve the insurance application of the applicant.

In one embodiment of the present invention, the present invention may add a continuation construction rule execution log (Rule Execution Log): the aim is to closely relate the check and check to the risk of insurance company operation and provide a mechanism for recording the execution process and result of each rule for subsequent analysis and monitoring. The log includes information such as input data, matching rules, execution results, and execution time.

In one embodiment of the present invention, it is noted that a clear, simple, well-understood rule language is required to perform the above operations, preferably this language is widely used, and the user is familiar with the task without special training. Based on these considerations. The invention adopts the javascript-like language as the RDL of the system, and uses a dynamic compiling technology (dynamic compilation) to convert codes into machine codes, dynamically generates and compiles the codes in running, directly loads the codes into a memory for running, avoids the cost of generating a large amount of codes in compiling, and dynamically adjusts the factor pool value according to actual conditions, thereby realizing more flexible decision.

As a second aspect of the present invention, there is provided a rule engine-based insurance check system including:

the rule definition module is used for converting codes into machine codes based on a javascript rule-like language as a system RDL by using a dynamic compiling technology (dynamic compilation), dynamically generating and compiling the codes at the running time, and avoiding the cost of generating a large amount of codes at the compiling time;

the insurance requirement module is used for establishing insurance literal insurance specification and obtaining the complete insurance requirement of the applicant;

the system comprises a nuclear protection factor library module, a commodity characteristic detection module and a commodity characteristic detection module, wherein one or more groups of nuclear protection factors are set for each dangerous seed in the nuclear protection requirement, and one or more groups of specific nuclear protection factors are set for a single dangerous seed in the nuclear protection requirement independently according to the commodity characteristic;

the check rule base module is used for setting one or more groups of check rule conditions for each dangerous seed or single dangerous seed to form a rule list;

the operation rule engine module is used for acquiring a group of rule list to be checked from the check rule base based on the check requirement, analyzing and calculating each check factor value of the rule list to be checked to obtain a check result so as to evaluate the application risk degree of the check requirement;

the check and verification module is used for checking and verifying the calculation process of the operation rule engine so as to optimize the check operation engine;

the kernel protection decision module is used for making a kernel protection decision according to the output result of the kernel protection engine;

and the rule execution log module records the mechanism of each rule execution process and result for subsequent analysis and monitoring, wherein log information comprises input data, matched rules, execution results and execution time information.

The technical scope of the present invention is not limited to the above description, and those skilled in the art may make various changes and modifications to the above-described embodiments without departing from the technical spirit of the present invention, and these changes and modifications should be included in the scope of the present invention.

Claims

1. A insurance check method based on a rule engine is characterized in that: the method comprises the following steps:

establishing insurance literal underwriting standards, and acquiring the complete underwriting requirements of an applicant, wherein the method comprises the following specific steps of:

the obtained check rule of the single insurance commodity is: (i) _set ∈ r _set ) ；

And (3) self-defining: p represents the major class underwriting rule of the policy class, p _set A large class of underwriting rule sets representing policy classes;

then the underwriting requirements for each of the articles of manufacture per policy are obtainedThe method comprises the following steps: { (i) _set ∈ r _set ), ( i _set ∈ r _set ), ( i _set ∈ r _set ),……}；

Further, the complete verification requirement of each insurance commodity of each insurance policy with the insurance policy category is:

E（X）= { ( i _set ∈ r _set ), ( i _set ∈ r _set ), ( i _set ∈ r _set ),……} ∩ p _set ；

an operation rule engine is established, a group of rule lists to be checked are obtained from a check rule base based on the check requirements, and each check factor value of the rule list to be checked is analyzed and calculated to obtain a check result so as to evaluate the application risk degree of the check requirements; the method comprises the following specific steps:

the operation rule engine calculation process is checked and verified to optimize the operation rule engine, and the operation rule engine checking and verifying process comprises two stages, wherein the first stage is as follows: based on a check rule library, checking the insurance literal check rules of the single products one by one according to the input sequence of the insurance products, and adding the insurance literal check rules into a corresponding check factor operation pool after the insurance literal check rules pass through the check rule library; the second stage is as follows: based on an operation rule engine, carrying out check and check on the combined application content to ensure the compliance of the overall check and check requirement and the adaptation rule;

in the first stage of the check and verification: the operation rule engine firstly reads the submitted basic information of the insurance policy, wherein the basic information of the insurance policy comprises information of the insured person and nuclear variable information of the insurance policy insurance commodity; secondly, checking each rule of each insurance policy in turn according to the checking rules defined by the dangerous seed; thirdly, judging whether the insurance policy meets the requirements of the verification: and finally, if the insurance policy meets the underwriting standard, updating the underwriting variable value corresponding to the insurance policy into the underwriting factor operation pool.

2. The rule engine-based insurance verification method according to claim 1, wherein: based on the library of the nuclear protection factors,

when the underwriting rule is set, a weight coefficient is also required to be set independently for each underwriting factor of each dangerous seed and/or each single dangerous seed in the underwriting requirement;

each value of the underwriting factor is the product of the applied underwriting amount and the weight coefficient.

3. The rule engine-based insurance verification method according to claim 1, wherein: one or more groups of check rule conditions in the check rule base consist of one or more check variables, mathematical operation formulas and logic judgment words, wherein,

the mathematical operation formula is used for calculating the relation among different kernel-preserving variables and at least comprises addition, subtraction, multiplication, division and power of the power;

the logic judgment word is used for comparing the values of two or more underwriting variables and at least comprises equal to, unequal to, greater than, less than, greater than or equal to, less than or equal to, and AND or OR;

the underwriting variable comprises underwriting information and insurance policy applied goods, and the underwriting information at least comprises the age, the premium and the occupation of the underwriting person; the insurance policy applied commodity at least comprises the highest limit of the identity guarantee of the insurance commodity.

4. The rule engine-based insurance verification method according to claim 1, wherein: the factor operation pool uses a data dictionary container, key values of the factor operation pool are named by each rule, and the factor operation pool is summarized and generalized according to the uniqueness of the key values.

5. The rule engine-based insurance verification method according to claim 1, wherein: the second stage is performed on the basis of the first stage, wherein in the second stage, all the underwriting variables need to be checked one by one, and all the checked underwriting variables comprise single-product underwriting variables and other comprehensive underwriting variables which have passed the underwriting of the first stage.

6. The rule engine-based insurance verification method according to claim 1, wherein: and establishing a check and protection decision, and making a check and protection decision according to a check and protection result output by the operation rule engine so as to examine and approve the insurance application of the applicant.

7. An insurance underwriting system based on the insurance underwriting method of any of claims 1-6, comprising:

the rule definition module is used for converting codes into machine codes based on a javascript rule-like language as a system RDL by using a dynamic compiling technology, and dynamically generating and compiling the codes in the running process so as to avoid the cost of generating a large amount of codes in the compiling process;

the insurance requirement module establishes insurance literal insurance specification and obtains the complete insurance requirement of the applicant;