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Life & Annuity

ACORD develops XML standards and standardized forms for life insurance, annuities, and life reinsurance.

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  • Employee Benefit Implementation Community

    The goal of the Employee Benefit Implementation Community is to bring leading industry carriers and service providers together to collaborate and promote the expansion and utilization of the ACORD Employee Benefit Standards. These Standards focus on simplifying the benefit enrollment experience through seamless integrations that drive quality, reduce cost, and increase speed to market.

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  • Employee Benefits Product Distribution

    ACORD evaluated standards both internally and externally based on feedback from members and accepted a donation of Benefitfocus’ proprietary standard for enrollment which is already implemented by carrier leaders in the insurance industry. The initial focus is on the new enrollment standard; however efforts are underway to take the RFP requirements and data elements identified by this group, to create an RFP message utilizing the new ACORD Employee Benefit Standards structure. The result of this effort will be presented as a candidate release for the ACORD Implementation Community. As a result of all these efforts, the ACORD Employee Benefits Working Group was placed on hold to focus on implementation activities. Please visit the ACORD Employee Benefit Implementation Community page for more information on current initiatives.

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  • Architecture

    This group studies architectural issues it discovers or that are presented to it and makes recommendations; it acts as technical conduit between the other ACORD Standards Programs and the Life membership and provides technical refinements / improvements to the Standard. This is an ongoing group continually providing technical expertise to the L&A community as well continually addressing technical gaps and issues in the standards.

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  • Claims

    This working group’s objective was to refine the modeling of claim information in the ACORD Life & Annuity standard across lines of business for Life, Annuity, LTC and Health. The group produced a draft Claim Status Notification Transaction Specification and has agreed to place the working group on hiatus until such time that implementation commitment is present.

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  • Cross Program Data in Motion Working Group

    Several changes occurred in the transition from XML version 1.30 to 2.0. These changes were made with the goal of simplifying the XML standard while retaining backward compatibility in messages known to be in use. The ACORD Data in Motion Architecture (Formerly XML V2) working group, formed in early 2014, adopted the following principles:

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  • eDelivery

    L&A Working Group to support eDelivery with initial focus on Electronic Policy Delivery. This working group can expand to include additional artifacts for electronic delivery such as Confirms, Statements, Prospectus, etc, as well as extend to other Lines of Business. As of August 2017, the working group was placed on hiatus until committed implementers are ready to start testing the DocSend and DocSend Status messages in support of eDelivery. The earliest commitment discussed on the calls was a target date of Spring 2018. Meetings can resume when the group is ready.

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  • Forms & Data Mapping

    This group's objective is to address the form development needs for the Life & Annuity program. This consists of the review of existing forms, and the development of new forms as determined by the group. The group will also work with ACORD to ensure that mappings to the L&A XML Data Model are provided to ensure electronic portability of the forms.

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  • Life & Annuity Program Working Group

    If you want to know what is going on within the Life & Annuity Program, this is the group for you! The Program Working Group (PWG) is responsible for the execution of activities within the Life & Annuity standards and provides a single point for all major decisions, creating (sub)teams as needed for focused work, and rapid issue resolution. A key role of the PWG is the management and prompt resolution of issues/request within the L&A program and ensuring all issues are addressed as well as the review of all maintenance request. The PWG also provides a forum for reviewing and approving iteratively-produced draft transaction specifications, and recommending adoption by the L&A Program Steering Committee. Click on "Show More" (Below) to view the Program Schedule, Milestones, and Program Working Group Meeting logistics.

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  • Product Modeling

    This group provides ongoing support and guidance regarding the development of all products within the ACORD Life & Annuity model. The focus in 2016 is targeting tightly defined Product Profiles for Life Products (ie: Term, WL, UL, IUL, VUL, LTC, etc).  Enhance the existing Product Profiles for Life ACORD L&A 1201 Policy Product Transmittal to include better defined product functionality and also correlation to the suggested enhancements to the New Business for Life ACORD L&A 103 New Business Submission Transaction to ensure end-to-end compatibility in the standards.

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