# Pool manager

In general, pool managers work as underwriters in the insurance ecosystem, forming contracts between insurer and policyholder. If a policy falls into default, the pool manager will also assist with the claim and payout processes. Detailed features include:

* Implement one or more policies.
* Set/change premium pricing for each policy.
* For each insurance policy, define/adjust the collateral ratio.
* Define or modify the collateral withdrawal lockup period.
* Define/adjust the management fee (a percentage of the premium).
* Define and change the withdrawal fee.
* Propose payout - From the collateral pool, deduct a proposed payout amount.
* In the event of an emergency, suspend the pool to safeguard the safety of the funds.


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