Definition

Synonym for Agent of Record in many markets. The broker on file with the carrier, paid commission on the policy.

For brokers

BOR changes are a strong outreach signal — Velora's Signal Engine flags them via the public Form 5500 dataset and surfaces them as same-day prospects.

Related in lifecycle

Renewal

The annual cycle when an employer's group health plan re-prices, often with a new carrier or a redesigned plan.

Open enrollment

The annual window when employees can enroll in, change, or drop their group benefits coverage.

QLE

A life change that triggers a special enrollment period — marriage, divorce, birth/adoption, loss of other coverage, change in employment status, dependent reaching age 26.

AOR

The broker designated by an employer as their agent for a specific plan or carrier relationship.

Velora speaks the broker domain natively.

SIC, enrolled lives, renewal month, current carrier — every term in this glossary corresponds to a field Velora's outbound engine actually uses for targeting, segmentation, and cadence selection.

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