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...nce company requires us to check electronically with them, then your method so...maining agency profits going down the tubes over one more burdensome procedure...

... policy status should be validated at the time of issuance of the COI by a print-screen of the coverage status when the COI information was solicited. FACULTY RESPONSE With insurance companies that send out paper cancellation notices, I wouldn't send out a COI until I was sure the money was received. If the insured is a late-paying account, the fault is theirs. If the insurance company requires us to check electronically with them, then your method sounds correct. Yes, many insurance companies don't post on an up-to- the-minute basis. Some waiting on late paying accounts is probably unavoidable. It's even worse if the check is lost in the mail or the insurance company applies it incorrectly. FACULTY RESPONSE This question is interesting and shows that technology has to take a second seat to insurance knowledge and judgment. ... a third-party certificate vendor to issue a COI and later finding that coverage had ceased and the vendor's system hadn't been updated? Is that the agent's responsibility? If so, will they have to check every insured every day, then log into the vendor's system to update the database? So much for simplifying and streamlining agency processing. That sucking sound you hear is the remaining agency profits going down the tubes over one more burdensome procedure, especially one created by an (dare we beat this into the ground?) essentially meaningless piece of paper. FACULTY RESPONSE I tend to agree, but I'm not sure if there's a practical solution. An even bigger problem is using third-party certificate vendors. If the carriers can't keep their own systems current, I wonder how accurate the information in third-party providers will ...