← Frame 13 — Upload

FRAME 14 / 23

Bound · in-force at commit

Frame 15 — Your policies →

ALTHEA

Schneider Insurance · Richard ▾

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Identity

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Requirements

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Sign

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Bound

Premium

$1,520/yr

2% wind · all-in

Billing path①

Mortgagee escrow

Wells Fargo · invoice sent to lender

Your commission②

$228 · pending

100% upfront on premium receipt · next disbursement Jun 18

Payment status③

Wells Fargo (escrow) — awaiting remittance

Lender invoice sent today · estimated payment within 30–45 days

Pending

Today 14:54

Bind committed · policy in-force · lender invoice sent

Now

Lender remittance pending · escrow cycle T+30 to T+45

~Jul 1–15

Lender payment expected → status flips to Cleared

Documents delivered to the homeowner④

5 documents · all sent at 14:54 CDT ⇩ Download all (ZIP)

Welcome letter + payment summary · includes magic-link for HO to access docs anytimeSent · alex@hartley.com ⇩
Final dec page · coverage evidenceSent · alex@hartley.com ⇩
Policy form WO-BASE-001Sent · alex@hartley.com ⇩
AL Policyholder Bill of RightsSent · alex@hartley.com ⇩
Mortgagee EOI · emailed directly to Wells FargoSent · escrow.notices@wellsfargo.com ⇩

Need to void this bind? · contact Althea ops within 24h for clerical reversal (errors only — not for non-pay)⑤

Contact ops →

Stories covered

As Althea compliance / audit, I want version pins and the full attribution chain written onto the policy record at commit, so any bound policy is reproducible for a DOI exam months later.
As an agent whose commit succeeds, I want immediate confirmation and the policy number so I can tell the homeowner they're covered before moving on.
As an HO, I want a single email from Althea within minutes of bind containing my welcome letter + dec + policy form + mortgagee EOI (where applicable), via the e-delivery channel I consented to at Set A signing.
As a mortgagee, I want the EOI by email at the billing contact captured at bind, so I can release escrow.
As an agent, I want all delivered documents visible in my portal — both HO and mortgagee deliveries, with timestamps and addresses — so I can confirm my client received what they need without coordinating it myself.

Interactions

Billing path summary — captured at Frame 9 (escrow toggle). Mortgagee escrow shown here; HO direct-bill variant would show "Ascend checkout sent to HO" + a 7-day countdown.
Commission card — ledger-ops view: 100% upfront on premium receipt, paid on bi-weekly cycle. Shown as "pending" until the next disbursement date. Clawback on mid-term cancellation handled in (7) — not surfaced here.
Payment status — Pending / Cleared / Failed, mapped to Ascend invoice events. Does NOT gate coverage — Pattern 1. Direct-bill twin: "Awaiting HO checkout · 7d window" + reminder cadence visible.
Set B delivery — automated post-commit. Welcome letter + dec + policy form + bill of rights go to HO as a single email from Althea PAS (e-delivery consent signed in Set A). Mortgagee EOI goes as a separate email directly to the lender's billing contact captured at Frame 9.
Bind-void — at launch, agent contacts Althea ops via email (24h window for clerical errors only — not for non-pay; non-pay routes to cancellation). Phase-2: self-serve void button. The void link is visible for 24h post-commit, then disappears.