[lmi-commits] [lmi] master 3f71b11 6/6: Follow odd NAIC "in force" definition more closely

[Greg Chicares]

branch: master
commit 3f71b115bb23afa48dd7972ad7585884c2f14201
Author: Gregory W. Chicares <gchicares@sbcglobal.net>
Commit: Gregory W. Chicares <gchicares@sbcglobal.net>

    Follow odd NAIC "in force" definition more closely
    
    The NAIC illustration reg defines an illustration during the first
    policy year as a "basic" and not an "in force" illustration, so it
    requires a signature page as well as a guaranteed premium. Neither
    is required after the first policy year.
---
 ill_reg_narr_summary.mst |  2 ++
 pdf_command_wx.cpp       | 14 ++++++++++++--
 2 files changed, 14 insertions(+), 2 deletions(-)

diff --git a/ill_reg_narr_summary.mst b/ill_reg_narr_summary.mst
index a870af8..7a14246 100644
--- a/ill_reg_narr_summary.mst
+++ b/ill_reg_narr_summary.mst
@@ -45,11 +45,13 @@
     {{FnBoyEoy}}
 </p>
 
+{{#DuringFirstYear}}
 {{^SinglePremium}}
 <p>
     {{FnGuaranteedPremium}}
 </p>
 {{/SinglePremium}}
+{{/DuringFirstYear}}
 
 <p>
     {{LoanFootnote}}
diff --git a/pdf_command_wx.cpp b/pdf_command_wx.cpp
index 58d2ec3..cbb8664 100644
--- a/pdf_command_wx.cpp
+++ b/pdf_command_wx.cpp
@@ -2271,6 +2271,11 @@ class pdf_illustration_naic : public pdf_illustration
             );
 
         add_variable
+            ("DuringFirstYear"
+            ,0 == inforce_year
+            );
+
+        add_variable
             ("InforceYearLT5"
             ,inforce_year < 5
             );
@@ -2316,7 +2321,12 @@ class pdf_illustration_naic : public pdf_illustration
         add<standard_page>("ill_reg_narr_summary");
         add<standard_page>("ill_reg_narr_summary2");
         add<standard_page>("ill_reg_column_headings");
-        if(!invar.IsInforce)
+        // The condition is not '!invar.IsInforce': the question is
+        // whether the first anniversary has been reached, not whether
+        // the issue date has been passed. See the documentation for
+        // AccountValue::SetGuarPrem(). In MST files, the variable
+        // "DuringFirstYear" represents this same condition.
+        if(0 == inforce_year)
             {
             add<ill_reg_numeric_summary_page>();
             }
@@ -2330,7 +2340,7 @@ class pdf_illustration_naic : public pdf_illustration
         // Notionally, the purchaser detaches this duplicate paper
         // page and mails it physically to the insurer. Someday a
         // more modern alternative might be chosen.
-        if(!invar.IsInforce)
+        if(0 == inforce_year)
             {
             add<ill_reg_numeric_summary_page>();
             }