FA-62922 / Insurance premium rating / Member archive

Short-rate cancellation return premium: Minimum earned premium is applied to insurer cancellations · case 02

Early insurer-initiated cancellations retain a minimum earned premium.

Member previewVariant 2 · 3 implementations · 10 checks per implementation

Case contract

Input premium, term_days, days_in_force d, initiator, min_earned_permille. d<0 or term<=0 -> 'invalid'; d>=term -> 0; d==0 (flat cancel) returns the full premium. Otherwise unearned = premium*(term-d)/term; the insurer returns it in full; an insured cancellation returns 90% of unearned but never more than premium minus the minimum earned premium. Round half-up once.

Why this case matters

Premium rating engines apply ordered tabular rules where one misplaced boundary or step silently misprices policies.

One recorded failure

Sample boundary fixture

This sample comes from the broken implementation of a controlled reproducer.

Boundary fixture	Actual	Expected	Outcome
insurer cancel early with minimum on file	`78310`	`122649`	Failed

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