Where should this submission go?
Check the location exception before you route the file.
The question
You route submissions at a fictional commercial insurance office. The assigned reviewers own the decisions.
- LocationStandard location code B-1.
- Requested amount4 internal review units.
Standard locations with requests up to 5 internal review units go to the assigned underwriter. A file with location code X-2 goes to the specialist first, at any amount.
“Which reviewer should see the file, and what would change that route?”
Not saved by this site. Your browser may restore text when you navigate back.
A strong answer, step by step
Open each step in turn. This is one strong answer, not the only one.
Step 1: What determines the route?
What would you do here? Open the move you’d make.
Check only the amount
Tempting, but it misses something. A location exception can apply at any amount.
Check B-1 and the four-unit amount together
The strong move. Both conditions support the opening route.
Send every submission to the specialist
Tempting, but it misses something. The case identifies when a specialist is needed. B-1 does not trigger that rule.
See how a strong candidate says it
“I’ll check the amount and location separately. B-1 is standard and the four-unit request is within the five-unit threshold.”
Why it works: The checklist requires both conditions for routine review.
Step 2: What does routine review allow?
What would you do here? Open the move you’d make.
Send it to the underwriter and log both checks
The strong move. This records the route without granting approval.
Approve the file because both checks pass
Tempting, but it misses something. The checklist names a reviewer, not the decision that reviewer will make.
Skip recording the location
Tempting, but it misses something. That leaves one condition for the route unsupported.
See how a strong candidate says it
“I’ll send the file to the assigned underwriter and record why it follows the standard route.”
Why it works: The candidate can route the submission. The underwriter makes the decision.
Step 3: Does the route still fit?
The broker’s revised submission replaces location B-1 with X-2. The requested total stays at 4 units.
What would you do here? Open the move you’d make.
Keep the routine route because the amount stayed at four
Tempting, but it misses something. The revised location triggers the specialist rule.
Send a final decision to the broker
Tempting, but it misses something. The reviewer has not decided and the candidate can only route the file.
Refer the revised file to the specialist
The strong move. The X-2 condition applies at any amount.
See how a strong candidate says it
“I’ll move the file to the designated specialist. X-2 triggers that review even at four units.”
Why it works: The amount stays within the routine threshold. The new location independently changes the route.
Step 4: What goes in the referral?
What would you do here? Open the move you’d make.
Write only “outside the limit”
Tempting, but it misses something. The request is within the amount threshold. The location is the reason for referral.
Give the specialist the revised record and the trigger
The strong move. The recipient can find the evidence and knows what to review.
Set the file to approved when you send it
Tempting, but it misses something. A referral is a request for a decision.
See how a strong candidate says it
“The revised submission lists X-2 and still requests four units. The location triggers specialist review. Please review this version. I’ll keep the status pending and agree the next update.”
Why it works: The reviewer gets the current version, the changed fact and a clear request.
The answer, in short
- Decision
- Route the current submission to the specialist because it includes X-2.
- Because
- The location condition applies at every amount in this fictional checklist.
- What would change it
- If the broker corrects the location again, verify the new record before selecting the route.
Common traps
- Treating the amount as the only referral condition
- Treating routing as approval
Check your answer
- Which two checks set the route?
- Which field changed?
- Who reviews the revised submission?
- What status can you record now?
Last reviewed Nov 11, 2026