Policy and premium / Delinquency
Delinquency runs on the notice periods you enter, one step at a time
Three rungs, in order: notice, cancel pending, cancelled for nonpayment. Each nightly sweep moves a policy at most one rung — a policy 90 days past due that was never noticed gets a notice, not a same-day cancellation.
Notice periods are entered per state and line, and they ship empty. A policy in a state with none entered does not move at all, and the dashboard says which states are not running.
The question this answers
Can anyone skip a rung?
No. “A human may not skip a rung, and it is not configurable.” The controls that exist go around the ladder, each with a reason on the record: hold the policy, waive the next rung for this cycle only, extend the date the day count runs from, or refer it for cancel-for-cause.
The ladder, and the review before cancellation
Nightly, one rung per sweep
The sweep runs every night on a schedule, under your organization’s billing batch role. No screen that can cancel a policy has a “run now” button, and there is no per-organization off switch.
Notice
Counted in days past the oldest past-due invoice’s due date, against the notice periods for the policy’s state and line.
Cancel Pending
The next rung, on the next sweep that finds it due. Paying or voiding the past-due invoice cures the cycle.
A Review Window
The sweep never cancels the night a policy reaches the third rung. It opens a review; with a window of 1–60 business days set, the first sweep after it ends cancels.
Cancellation Through One Door
Cancellation goes through the one policy lifecycle door, with the category nonpayment.
The only shortcuts
Controls on the queue
Each asks for a reason and is recorded. None of them moves a policy down the ladder faster.
Hold
Until a date, or with no end date; the sweep skips the policy until the hold is released
Waive Next Rung
A step does not apply on this cycle — this cycle only
Extend Trigger Date
A new date the day count runs from; it never moves the policy along
Pull From The Sweep
A supervisor takes an account out of the sweep pool entirely
Cancel-for-Cause Referral
A two-desk handoff to underwriting, with a second signature at your exposure line
Where we are honest
Configuration you own
The ladder enforces the periods you enter. It cannot know them for you.
Empty Means Stopped
A state with no notice periods entered does not run. That is deliberate — shipping a guessed period would mean shipping a guessed notice.
Ordered Periods
Notice, cancel pending and cancel days are each 1–365 and must be in order.
Not Legal Advice
The periods for each state and line are your counsel’s determination. The platform holds you to the ones you enter.
Read next
Bring your two hardest states
Enter their notice periods, set a review window, and run a past-due policy through the ladder one night at a time.