Quote-to-bind

The A2A New Business Interaction standard defines quote-to-bind as a ten-stage flow. Stage 1: Intent and framing - establish the basis as information not advice, and scope consent. Stage 2: Need and eligibility - identify the line of business and run pre-checks before expending enrichment effort. Stage 3: Risk capture and enrichment - apply the line-of-business schema; populate from authoritative data sources; present enriched facts for attestation. Stage 4: Quote - call the carrier or carriers via the Rail; represent zero quotes as no appetite, not a fabricated result. Stage 5: Comparison and presentation - order results on a stated basis; apply the line-of-business distinctive rule. Stage 6: Disclosure and acknowledgement - surface the IPID, key exclusions, warranties, premium, and any required signpost; obtain in-conversation acknowledgement. Stage 7: Confirmation and authority - re-present material facts; verify the agent holds authenticated authority to bind and pay. Stage 8: Bind and payment - bind via the carrier; take payment through a delegated payment token. Stage 9: Fulfilment - deliver documents and a plain-language summary. Stage 10: Audit - record continuously throughout.

The bind precondition invariant is the single most important conformance requirement. A bind must not proceed unless: authenticated identity is confirmed; bind and pay authority together cover the premium; disclosures are acknowledged; all material facts are attested rather than merely enriched; the line-of-business distinctive rule is satisfied; and the tier condition is met, whether Tier A step-up or Tier B pre-authorisation.