Household view
Also called: householding, household grouping
A household view groups all the policies held by the people in one household, so an agency sees a family's full coverage instead of separate policy records.
Policy lists count the same family several times: one record per policy, per person, per carrier. Grouping by shared address, phone or email turns those records into households.
Most book analysis is more accurate at household level. A spouse may already hold the life policy that looks missing from one person's record.
Counting households instead of policies gives honest numbers for clients, products per client and real coverage gaps.
"In the household view, the husband's Medicare plan and the wife's life policy show up as one client relationship."
How do you group insurance clients by household?
Match policy records on shared address, phone or email, check the matches, and treat the group as one household when counting clients, products per client and coverage gaps.