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Spotlight PEPPOL BIS Billing 3.0 The EU e-invoicing mandate is here — France Sept 2026, Belgium Jan 2026, Germany 2025.

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Foundations

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Standards

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Flagship messages

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Tools

X12 111 — Individual Insurance Policy and Client Information

The 111 transmits the detailed information of an individual policy — insured, beneficiaries, amounts, status — between an insurer and a distributor or service bureau.

Purpose

The 111 documents an already-issued individual insurance policy: insured identity, policy number, product type, amounts, beneficiaries, premiums and frequency, status (active, lapsed, paid-up). It serves as a reference record between carrier and distributor.

It is used for portfolio transfers, agent book-of-business pulls, and service-bureau history reconstruction. Acknowledged by 997. Not to be confused with the 267 (application) which precedes policy issue.

Envelope structure

The 111 travels within the three X12 envelope levels (ISA/IEA, GS/GE with functional group IC, and ST/SE). Didactic example in release 004010:

x12 example-111.x12 
ISA*00*          *00*          *ZZ*LIFECARRIER   *ZZ*BROKERFIRM    *260515*0930*U*00401*000000111*0*P*>~
GS*IC*LIFECARRIER*BROKERFIRM*20260515*0930*1*X*004010~
ST*111*0001~
BGN*00*POL-2026-1099*20260515~
NM1*IL*1*SMITH*JOHN*A***34*SSN-LAST4-5678~
DMG*D8*19850315*M~
N1*IN*ACME LIFE INSURANCE*24*EIN-CARRIER~
REF*0F*POLICY-1099-2024-TLIFE~
AMT*FA*250000.00~
DTM*090*20240601~
NM1*BENE*1*SMITH*JANE*M~
PCT*RA*100~
SE*11*0001~
GE*1*1~
IEA*1*000000111~

Common segments

  • Header — ST, BGN.
  • Insured — NM1*IL (Individual Insured), DMG (date of birth, sex).
  • Carrier — N1*IN with EIN.
  • Policy — REF*0F (policy number), AMT*FA (face amount), DTM*090 (effective date).
  • Beneficiaries — NM1*BENE, PCT*RA (allocation %).
  • Summary — SE.

Common pitfalls

  • Truncated SSN: only the last 4 digits should transit; a full SSN in NM109 violates NAIC Model Privacy Regulation.
  • Multiple beneficiaries: the sum of PCT*RA must equal exactly 100; a 99 or 101 total invalidates the death benefit payment.
  • Status: a 111 for a lapsed policy without a clear STC or MSG makes it appear active — always carry status.

Documentation

The code 111 and the name Individual Insurance Policy and Client Information are public and listed on x12.org/products/transaction-sets. The complete structure of loops, qualifiers and code lists is distributed by DISA via the proprietary Implementation Guides (TR3). ediverse.io covers only public concepts, the envelope and didactic examples.