[lmi-commits] [lmi] master 6faf7bb: Optionally treat ADB as a non-QAB for guideline premiums only

[Greg Chicares]

branch: master
commit 6faf7bb7640bb2fe9cf5416ca716fc48242f36db
Author: Gregory W. Chicares <address@hidden>
Commit: Gregory W. Chicares <address@hidden>

    Optionally treat ADB as a non-QAB for guideline premiums only
    
    Honor database entity 'DB_AdbIsQAB' for guideline-premium calculations.
    Document that the other QAB flags are unimplemented.
---
 dbnames.xpp      |   10 +++++-----
 ihs_basicval.cpp |    4 +++-
 2 files changed, 8 insertions(+), 6 deletions(-)

diff --git a/dbnames.xpp b/dbnames.xpp
index f63babf..4e85e30 100644
--- a/dbnames.xpp
+++ b/dbnames.xpp
@@ -68,11 +68,11 @@
 {DB_Equiv7702Dbo3,DB_Topic_7702And7702A,"Equiv7702Dbo3","For 7702, treat 
return of premium death benefit option same as: 0=level 1=increasing",}, \
 {DB_TermIsQABOrDb7702,DB_Topic_7702And7702A,"TermIsQABOrDb7702","Treat term 
rider as QAB or death benefit for 7702: 0=neither, 1=DB, 2=QAB",}, \
 {DB_TermIsQABOrDb7702A,DB_Topic_7702And7702A,"TermIsQABOrDb7702A","Treat term 
rider as QAB or death benefit for 7702A: 0=neither, 1=DB, 2=QAB",}, \
-{DB_GioIsQAB,DB_Topic_7702And7702A,"GioIsQAB","Treat guaranteed insurability 
option as a QAB for 7702 and 7702A: 0=no, 1=yes",}, \
-{DB_AdbIsQAB,DB_Topic_7702And7702A,"AdbIsQAB","Treat accidental death benefit 
as a QAB for 7702 and 7702A: 0=no, 1=yes",}, \
-{DB_SpouseRiderIsQAB,DB_Topic_7702And7702A,"SpouseRiderIsQAB","Treat spouse 
term rider as a QAB for 7702 and 7702A: 0=no, 1=yes",}, \
-{DB_ChildRiderIsQAB,DB_Topic_7702And7702A,"ChildRiderIsQAB","Treat child term 
rider as a QAB for 7702 and 7702A: 0=no, 1=yes",}, \
-{DB_WpIsQAB,DB_Topic_7702And7702A,"WpIsQAB","Treat waiver benefit as a QAB for 
7702 and 7702A: 0=no, 1=yes",}, \
+{DB_GioIsQAB,DB_Topic_7702And7702A,"GioIsQAB","Treat guaranteed insurability 
option as a QAB for 7702 and 7702A: 0=no, 1=yes [not yet implemented]",}, \
+{DB_AdbIsQAB,DB_Topic_7702And7702A,"AdbIsQAB","Treat accidental death benefit 
as a QAB for 7702 and 7702A: 0=no, 1=yes [implemented for guideline premiums 
only]",}, \
+{DB_SpouseRiderIsQAB,DB_Topic_7702And7702A,"SpouseRiderIsQAB","Treat spouse 
term rider as a QAB for 7702 and 7702A: 0=no, 1=yes [not yet implemented]",}, \
+{DB_ChildRiderIsQAB,DB_Topic_7702And7702A,"ChildRiderIsQAB","Treat child term 
rider as a QAB for 7702 and 7702A: 0=no, 1=yes [not yet implemented]",}, \
+{DB_WpIsQAB,DB_Topic_7702And7702A,"WpIsQAB","Treat waiver benefit as a QAB for 
7702 and 7702A: 0=no, 1=yes [not yet implemented]",}, \
 {DB_Topic_MortalityCharges,DB_FIRST,"Mortality charges","Mortality rates, 
limits, conversions, and reentry",}, \
 {DB_GuarCoiTable,DB_Topic_MortalityCharges,"GuarCoiTable","Guaranteed 
mortality charge table (index in mortality table database)",}, \
 {DB_GuarCoiIsAnnual,DB_Topic_MortalityCharges,"GuarCoiIsAnnual","Guaranteed 
cost of insurance table rates are: 0=monthly, 1=annual",}, \
diff --git a/ihs_basicval.cpp b/ihs_basicval.cpp
index b631470..8830a4a 100644
--- a/ihs_basicval.cpp
+++ b/ihs_basicval.cpp
@@ -552,6 +552,8 @@ void BasicValues::Init7702()
         local_mly_charge_add = GetAdbRates();
         }
 
+    double local_adb_limit = Database_->Query(DB_AdbIsQAB) ? AdbLimit : 0.0;
+
     Irc7702_.reset
         (new Irc7702
             (yare_input_.DefinitionOfLifeInsurance
@@ -571,7 +573,7 @@ void BasicValues::Init7702()
             ,Loads_->specified_amount_load(mce_gen_curr)
             ,SpecAmtLoadLimit
             ,local_mly_charge_add
-            ,AdbLimit
+            ,local_adb_limit
 /// TAXATION !! No contemporary authority seems to believe that a
 /// change in the premium-tax rate, even if passed through to the
 /// policyowner, is a 7702A material change or a GPT adjustment event.