Insurance Policy Renewal Chain

A system and method for the automatic linking of expired, current, and future insurance policies is provided. Within each insurance policy is a plurality of conditions frequently used in the determination of an insurance policy premium or rate quote. Such terms are calculated based upon information either associated with or obtained from a particular policyholder. By automatically linking policy information and policy terms from prior insurance policies, information previously submitted by a policyholder or calculated in regards to activity on a particular policy is used in automatic calculation and generation of a future policy term. Thus, straight-thru processing is achieved via organizing of prior policies for assistance in renewals, loss ratio calculations, shifts in payroll numbers (i.e., the number of employees insured under a single policy), and previous claim activity under the same type of policy.