How does Policy Center determine whether an account already exists?

Policy Center primarily determines whether an account already exists by checking the policy number. The policy number is a unique identifier assigned to each insurance policy, which allows the system to accurately track and manage policies within its database. When a new policy is being created, the system can check if the provided policy number matches any existing policies. This helps avoid duplication of accounts and ensures that all transactions and information related to a specific policy can be linked correctly.

While email addresses, social security numbers, and phone numbers are important data points in the context of policies and customer accounts, they are not used as the primary means to identify an existing account within the Policy Center. Email addresses may change over time, social security numbers are sensitive and often have privacy considerations, and phone numbers can vary or be reassigned. The policy number remains the most reliable and consistent way to identify and verify account existence within the system.