In which AL3 group can we find the Insured’s name, and what are the possible formats to write the Insured’s name?

The Insured’s name in a file is typically found in the:

5BIS – Basic Insured Information Group

  • Group Code: 5BIS
  • Purpose: The 5BIS group is used to store the primary identifying details of the named insured, including their core personal or business information.
  • Key Element: Within the 5BIS group, you will find the element devoted to the insured’s name, often identified by a field number like 5BIS04 (Insured Name)

If additional names (like a DBA—Doing Business As—name, or a second Named Insured) are needed, they are frequently placed in the:

SNG – Supplementary Name Group

Purpose: This group is used to transmit additional names associated with the policy, such as:

  • The name of a Co-Insured.
  • A “Doing Business As” (DBA) name for a commercial policy.
  • An Alternate Name or Trustee Name.

Possible Formats for the Insured Name

1. Format for Individuals (Personal Lines)

When the insured is a person, AL3 generally divides the name into separate elements to support sorting, matching, and mailing functions. These components may include:

  • Last Name – the family name
  • First Name – the given name
  • Middle Initial – a single letter representing the middle name
  • Prefix – titles such as Mr., Ms., or Dr.
  • Suffix – generational or professional qualifiers such as Jr., etc.

Example of a fully assembled personal name:
MR JOHN A SMITH JR

2. Format for Business Entities (Commercial Lines)

For a business or organization, the name is usually recorded as a single, complete field that reflects the company’s legal name without separating it into components.

Example:
XYZ Warehousing Inc.

Example of Basic Insured Information

Below is a conceptual example showing how an AL3 file might break out personal-name details:

  • Name Type: P (Personal)
  • Prefix: Mr.
  • First Name: John
  • Middle Name: A
  • Last Name: Smith
  • Combined Name: (constructed automatically or left blank depending on system)
  • Suffix: (none in this instance)
  • Company Name: (not used for individual insureds)

Resulting Insured Name:
Mr. John A Smith

Post Views: 103