--- title: "Illustration for new term life" url: "https://developers.zinnia.com/apis/illustration-3-0-8/versions/b96a49c1-73c5-46d3-8968-fe603081d524/operations/illustration-for-new-term-life" --- > Full API specification: https://developers.zinnia.com/apis/illustration-3-0-8/versions/b96a49c1-73c5-46d3-8968-fe603081d524.md # Illustration for new term life `POST` `/illustration/v3/term-life/new-business` Operation ID: `illustration-for-new-term-life` Triggers an immediate calculation and returns the calculated results. ## Request body (required) Content types: `application/json` ## Responses - `200` - the request was processed - `400` - The posted request was invalid for any reason. - `500` - An unexpected processing error occurred, OR the request was processed successfully but contains calculation error messages. ## OpenAPI definition ```yaml openapi: 3.0.1 info: title: Illustration Generation version: 3.5.3 servers: - url: https://dev.api.zinnia.io description: Development paths: /illustration/v3/term-life/new-business: post: operationId: illustration-for-new-term-life summary: Illustration for new term life description: Triggers an immediate calculation and returns the calculated results. requestBody: description: contains all the input data needed for processing the request required: true content: application/json: schema: $ref: "#/components/schemas/Illustration-Inputs-TL" responses: "200": description: the request was processed content: application/json: schema: $ref: "#/components/schemas/Illustration-Response-TL" "400": description: The posted request was invalid for any reason. "500": description: An unexpected processing error occurred, OR the request was processed successfully but contains calculation error messages. security: - Auth0: [] tags: - Term Life (TL) Illustrations security: - Auth0: [] components: schemas: Illustration-Inputs-TL: title: Illustration Request for Term Life description: Illustration Request for Term Life product allOf: - $ref: "#/components/schemas/Illustration-Inputs-Projection-Base" - $ref: "#/components/schemas/Illustration-Inputs-New-Business-Base" Illustration-Response-TL: title: Illustration Response for Term Life description: Illustration Response for Term Life product allOf: - $ref: "#/components/schemas/Illustration-Response-Base" properties: assumed: $ref: "#/components/schemas/Scenario-Term" guaranteed: $ref: "#/components/schemas/Scenario-Term" Illustration-Inputs-Projection-Base: title: Projection Base description: Base for projection scenarios allOf: - $ref: "#/components/schemas/Illustration-Inputs-Base" - type: object properties: coverages: $ref: "#/components/schemas/Coverage-Collection-V4" parties: type: array description: Must have at least one party representing the Insured participant items: anyOf: - $ref: "#/components/schemas/Non-Insured-Party" - $ref: "#/components/schemas/Insured" minItems: 1 uniqueItems: true options: $ref: "#/components/schemas/Options-Base" required: - coverages - parties Illustration-Inputs-New-Business-Base: title: New Business Base description: Properties for new business scenarios type: object properties: jurisdiction: type: string description: US state code.https://en.wikipedia.org/wiki/ISO_3166-2:US enum: - AK - AL - AR - AS - AZ - CA - CO - CT - DC - DE - FL - GA - GU - HI - IA - ID - IL - IN - KS - KY - LA - MA - MD - ME - MI - MN - MO - MP - MS - MT - NC - ND - NE - NH - NJ - NM - NV - NY - OH - OK - OR - PA - PR - RI - SC - SD - TN - TX - UM - UT - VA - VI - VT - WA - WI - WV - WY planCode: type: string description: Plan code example: EG123 required: - jurisdiction - planCode Illustration-Response-Base: title: Illustration Response description: Fundamental Illustration response schema. See the schema for a specific product properties: id: type: string description: The unique identifier for the illustration request. example: ed13083d-d6b3-463d-a569-56b532d00fcd messages: type: array items: $ref: "#/components/schemas/Message" Scenario-Term: title: Scenario Results for Term Life description: Outputs for Term Life product across all scenarios. This object represents a single scenario (e.g. Assumed, Guaranteed, etc) type: object allOf: - $ref: "#/components/schemas/Scenario-Base" properties: annualTimeSeriesData: type: array items: $ref: "#/components/schemas/Single-Year-Values-Term" coverages: properties: acceleratedDeathBenefitForTerminalIllness: $ref: "#/components/schemas/Output-Coverage-Values" acceleratedDeathBenefitForChronicIllness: $ref: "#/components/schemas/Output-Coverage-Values" acceleratedDeathBenefitForCriticalIllness: $ref: "#/components/schemas/Output-Coverage-Values" accidentalDeathBenefit: $ref: "#/components/schemas/Output-Coverage-Values" charitableGiving: $ref: "#/components/schemas/Output-Coverage-Values" childrensTerm: $ref: "#/components/schemas/Output-Coverage-Values" waiverOfPremium: $ref: "#/components/schemas/Output-Coverage-Values" Illustration-Inputs-Base: title: Illustration Request description: Fundamental Illustration request schema. See the schema for a specific product properties: calculationType: type: string description: Type of calculation. Only SINGLE_ILLUSTRATION triggers a PDF to be generated. example: QUICK_QUOTE enum: - QUICK_QUOTE - SINGLE_ILLUSTRATION - AGGREGATE_ILLUSTRATION - COMPOSITE_ILLUSTRATION - POLICY_PAGE_PROJECTION - INITIAL_QUOTE source: type: string description: Source of the request example: ZINNIA illustrationRequestDate: $ref: "#/components/schemas/Date-Field" reports: type: object properties: internalRateOfReturnOn: type: boolean description: Internal rate of return example: true annualChargesOn: type: boolean description: Annual charges example: true annualChargesYears: type: number description: Annual charges years format: integer example: 10 monthlyChargesOn: type: boolean description: Monthly charges example: true monthlyChargesYears: type: number format: integer description: Monthly charges years example: 10 marketingPagesOn: type: boolean description: Whether to produce marketing pages example: true costDetailsReportOn: type: boolean description: Whether to produce the cost details report example: true inputSummaryOn: type: boolean description: Whether to produce the input summary example: true required: - calculationType - illustrationRequestDate Coverage-Collection-V4: title: Coverages description: A collection of benefits type: array items: title: Coverage description: A benefit conferred to a group of one or more participants type: object properties: coverageId: type: string description: Coverage id example: BASE_COVERAGE enum: - BASE_COVERAGE - Rider_ABRTRM - Rider_CTR - Rider_ABRCHR - Rider_ADR - Rider_WPR - Rider_CGR - Rider_GIBR - Rider_OPR - Rider_OWDR - Rider_WDR - Rider_NHR - Rider_ABRCRI - Rider_OWP riderYears: type: number format: integer example: 10 description: Rider years currentAmount: type: number format: double example: 1000 description: Current amount participants: $ref: "#/components/schemas/Participant-Collection-V4" required: - coverageId Non-Insured-Party: title: Non-Insured Party description: | Represents a party with a roleCode other than `INSURED` type: object allOf: - $ref: "#/components/schemas/Party-Base" properties: roleCode: $ref: "#/components/schemas/Party-Role" required: - roleCode Insured: title: Insured Party description: | Represents a party with roleCode: `Insured` type: object allOf: - $ref: "#/components/schemas/Party-Base" properties: roleCode: type: string enum: - INSURED example: INSURED required: - lastName - gender - roleCode Options-Base: title: Options description: Fundamental Options schema. Some products may have product-specific Options. type: object required: - revisedIllustration - solveFor - paymentMode properties: revisedIllustration: type: boolean description: Whether the illustration is revised example: true solveFor: type: string description: Solve for example: PREMIUM enum: - PREMIUM - FACE - NO_SOLVE fixedCostPeriod: type: number description: Fixed cost period example: 10 deprecated: true fixedCostPeriodOption: type: number format: integer description: The fixed cost period in YEARS or at AGE depending on the value of fixedCostPeriodUnit example: 65 fixedCostPeriodUnit: type: string description: The Unit that the number in fixedCostPeriodOption represents example: AGE enum: - AGE - YEARS paymentMode: $ref: "#/components/schemas/Frequency" discountIndicator: type: string description: Discount indicator example: MULTIPRODUCT enum: - MULTIPRODUCT - NON paymentMethod: type: string description: Payment method example: DTCC enum: - DTCC - CREDITCARD - ACH - CHECK - EXCHANGE - WIRE premiumDuration: type: number format: integer description: Premium duration example: 10 premiumDurationOption: type: string description: Premium duration option example: YEARS enum: - AGE - YEARS - MATURITY faceAmount: $ref: "#/components/schemas/Schedule-FaceAmount" premium: $ref: "#/components/schemas/Schedule-Premium" targetCashValueOption: type: string description: Target cash value option example: SPECIFY_AMOUNT enum: - SPECIFY_AMOUNT - ENDOWMENT targetCashValueAtOption: type: string enum: - AGE - YEAR description: Whether to use targetCashValueAge or targetCashValueYear example: AGE targetCashValueAge: type: number format: integer description: If target cash value should be at an age, use this. If it should be at a year, use targetCashValueYear. targetCashValueAtOption determines which is used. example: 10 targetCashValueYear: type: number format: integer description: If target cash value should be at a year, use this. If it should be at an age, use targetCashValueAge. targetCashValueAtOption determines which is used. example: 10 targetCashValueAmount: type: number format: double description: Target cash value amount example: 10000 Message: title: Message description: A structured signal type: object properties: code: type: integer severity: type: string enum: - INFO - WARNING - ERROR text: type: string returnTo: type: string required: - code - text Scenario-Base: title: Base Scenario Results description: Fundamental outputs that apply across all products. This object represents a single scenario (e.g. Assumed, Guaranteed, etc) type: object properties: annualTimeSeriesData: description: Collection of values that vary annually - each item represents all the values for a single year type: array items: $ref: "#/components/schemas/Single-Year-Values-Base" annualPolicyManagementFee: type: number format: double description: Annual policy management fee example: 60 annualPremiumAmount: type: number format: double description: Annual premium amount example: 397.2 baseCoverageEndYear: type: number format: integer description: Base coverage end year example: 86 costIndex: type: object properties: netPaymentCostIndexYear10: type: number format: double description: Net payment cost index year 10 example: 1.59 netPaymentCostIndexYear20: type: number format: double description: Net payment cost index year 20 example: 1.59 surrenderCostIndexYear10: type: number format: double description: Surrender cost index year 20 example: 1.59 surrenderCostIndexYear20: type: number format: double description: Surrender cost index year 20 example: 1.59 coverages: type: object description: These values represent the initial or constant state of coverages properties: base: $ref: "#/components/schemas/Output-Coverage-Values" initial: type: object properties: totalFaceAmount: type: number format: double description: Total Face Amount example: 22500.05 totalPremium: type: number format: double description: Premium example: 33.1 accountValue: type: number format: double example: 0.104742 totalModalPremium: type: number format: double example: 100.2 totalPolicyFee: type: number format: double example: 600 totalModalPolicyFee: type: number format: double example: 500 interestRate: type: number format: double description: Interest rate example: 5.1 issueAge: type: number format: integer description: Issue age example: 35 lapse: type: object properties: age: type: number format: integer description: Lapse age example: 122 year: type: number format: integer description: Lapse year example: 87 month: type: number format: integer description: Lapse month example: 12 loan: type: object properties: chargeRate: type: number format: double description: Charge rate example: 4.5 chargeRateArrears: type: number format: double description: Charge rate arrears example: 4.5 creditRate: type: number format: double description: Credit rate example: 4.3 takenIndicator: type: number format: integer description: Taken indicator example: 0 maturityYear: type: number format: integer description: Maturity year example: 86 payToAge: type: number format: integer description: Pay to age example: 121 payment: type: object properties: mode: type: number format: integer description: Payment mode example: 12 term: type: number format: integer description: Payment term example: 86 policyStartYear: type: number format: integer description: Policy start year example: 1 premium: type: object properties: amount: type: number format: double description: Premium amount example: 33.1 duration: type: number format: integer description: Premium duration example: 86 durationAge: type: number format: integer description: Premium duration age example: 121 scenarioEndAge: type: number format: integer description: Scenario end age example: 122 totalFirstPaymentAmount: type: number format: double description: Total first payment amount example: 33.1 netSurrenderValue: type: object properties: age65: type: number format: double example: 1.385921 finalAge: type: number format: double example: 1.385921 premiumFinalAge: type: number format: double example: 110.04 Single-Year-Values-Term: title: Single-Year Values for Term Life description: A single-year slice of data that varies annually - these values are specific to IUL products allOf: - $ref: "#/components/schemas/Single-Year-Values-Base" properties: coverages: type: object properties: acceleratedDeathBenefitForTerminalIllness: $ref: "#/components/schemas/Output-Coverage-Values" acceleratedDeathBenefitForChronicIllness: $ref: "#/components/schemas/Output-Coverage-Values" acceleratedDeathBenefitForCriticalIllness: $ref: "#/components/schemas/Output-Coverage-Values" accidentalDeathBenefit: $ref: "#/components/schemas/Output-Coverage-Values" charitableGiving: $ref: "#/components/schemas/Output-Coverage-Values" childrensTerm: $ref: "#/components/schemas/Output-Coverage-Values" waiverOfPremium: $ref: "#/components/schemas/Output-Coverage-Values" netSurrenderValue: deprecated: true type: number format: double example: 0 reducedPaidUp: deprecated: true type: number format: double example: 100 totalSurplusDistributions: type: number format: double example: 1.23 paidUpAdditionDeathBenefit: type: number format: double example: 1.23 paidUpAdditionCashValue: type: number format: double example: 1.23 reducedPaidUp: type: number format: double example: 1.23 modifiedEndowmentContractIndicator: type: number format: double example: 0 Output-Coverage-Values: title: Output Coverage Values description: Result values relevant to a specific coverage type: object properties: policyFee: type: number format: double description: Annual policy fee example: 150.2 modalPolicyFee: type: number format: double description: Modal policy fee example: 0 premium: type: number format: double description: Annual premium example: 0 modalPremium: type: number format: double description: Modal premium example: 0 tablePremium: type: number format: double description: Annual table premium example: 0 modalTablePremium: type: number format: double description: Modal table premium example: 0 flatExtraPremium: description: Flat Extra premium type: number format: double example: 5 modalFlatExtraPremium: type: number format: double description: Modal flat extra premium example: 0 faceAmount: type: number format: double description: Coverage face amount example: 2500 isIncludedInQuote: type: boolean example: true description: indicates that this coverage was actually used in producing the quote Date-Field: type: string format: date pattern: ([0-9]{4})-([0-9]{2})-([0-9]{2}) description: Date (with pattern "yyyy-mm-dd") example: 2025-05-13 Participant-Collection-V4: title: Participants description: A collection of unique participants type: array items: title: Participant description: An entity with a stake in a policy type: object properties: issueAge: type: number format: integer description: Issue age example: 30 participantId: type: string description: Participant id (UUID) example: 2ad51ecf-9923-437f-a6f0-70968e464cdb underwritingClass: type: string description: Underwriting class example: ULTRANONTOBACCO enum: - ULTRANONTOBACCO - ELITENONTOBACCO - PREFERREDNONTOBACCO - STANDARDNONTOBACCO - STANDARDTOBACCO - STANDARDAGGREGATE - SUBSTANDARDNONTOBACCO - SUBSTANDARDTOBACCO - STANDARDPLUSNONTOBACCO - PREFERREDTOBACCO - STANDARDCONVERSIONNONTOBACCO - STANDARDCONVERSIONTOBACCO - STANDARDPLUSBLEND - STANDARDPLUSTOBACCO - STANDARDBLEND - SUBSTANDARDBLEND - PREFERREDSELECTNONTOBACCO - PREFERREDSELECTBLEND - PREFERREDSELECTTOBACCO - PREFERREDBLEND subStandardRating: type: string description: Substandard rating example: TABLEA enum: - TABLEA - TABLEB - TABLEC - TABLED - TABLEE - TABLEF - TABLEG - TABLEH - TABLEI - TABLEJ - TABLEK - TABLEL - TABLEM - TABLEN - TABLEO - TABLEP - NONETABLE flatExtra: type: array description: Flat extra items: $ref: "#/components/schemas/Flat-Extra" required: - issueAge - participantId uniqueItems: true Party-Base: title: Party type: object description: Fundamental party object - see schema for specific role required: - partyId - partyTypeCode discriminator: propertyName: roleCode properties: partyId: type: string format: uuid description: Party id example: 95f5ece9-e40b-450b-ad39-daa217894e69 partyTypeCode: example: INDIVIDUAL type: string description: Party type enum: - INDIVIDUAL - ORGANIZATION - TRUST gender: type: string description: Gender example: MALE enum: - MALE - FEMALE - UNISEX - OTHER dateOfBirth: type: string format: date pattern: ([0-9]{4})-([0-9]{2})-([0-9]{2}) description: Date (with pattern "yyyy-mm-dd") example: 1990-05-13 firstName: type: string description: First Name example: John middleName: type: string description: Middle Name or Initial example: Frederick lastName: type: string description: Last name example: Doe suffix: type: string description: Name Suffix example: Jr. address: type: object description: Address properties: addressLine1: type: string description: Address line 1 example: 123 Charter Oak addressLine2: type: string description: Address line 2 example: Suite 456 city: type: string description: Address city example: Manchester state: type: string enum: - AL - AK - AZ - AR - CA - CO - CT - DC - DE - FL - GA - HI - ID - IL - IN - IA - KS - KY - LA - ME - MD - MA - MI - MN - MS - MO - MT - NE - NV - NH - NJ - NM - NY - NC - ND - OH - OK - OR - PA - RI - SC - SD - TN - TX - UT - VT - VA - WA - WV - WI - WY description: US state code.https://en.wikipedia.org/wiki/ISO_3166-2:US example: CT zipCode: type: string description: Zip Code. Max char allowed is 9. maxLength: 9 example: "123456" email: type: string format: email description: Email example: person@example.com phoneType: type: string description: Phone type example: HOME enum: - MOBILE - HOME - BUSINESS - CLAIMCENTER - CUSTOMERSERVICE - CORPORATEOFFICE - FAX - UNKNOWN - OTHER phone: type: string description: Phone example: "1238675309" identification: type: object description: Identification properties: identificationType: type: string description: Identification type example: PASSPORT enum: - PASSPORT - STATEPHOTOID - DRIVERLICENSENUMBER - SSN - TIN - OTHER - EXTERNAL identificationKey: type: string description: Identification key example: ECN identificationDescription: type: string description: Identification description example: ECN identificationValue: type: string description: Identification value example: ECN Party-Role: title: Party Role example: OWNER type: string description: The role of a given party enum: - OWNER - PRIMARYBENEFICIARY - CONTINGENTBENEFICIARY - INSURED - PAYOR - PAYEE - AGENT - PRIMARYWRITINGAGENT - PRIMARYSERVICINGAGENT - ADDITIONALSERVICINGAGENT - ADDITIONALWRITINGAGENT - THIRDPARTYDESIGNEE - JOINTOWNER - COVERAGEINSURED - ASSIGNEE - ANNUITANT - EXCHANGECOMPANY - JOINTANNUITANT - GRANTOR - TRUSTEE - POWEROFATTORNEY - AUTHORIZEDSIGNATORY - OTHERINTERESTEDPARTY - CONTINGENTOWNER Frequency: type: string description: Frequency example: DAILY enum: - DAILY - EVERYTWOWEEKS - MONTHLY - SEMIANNUAL - QUARTERLY - ANNUAL - SINGLEPAYMENT Schedule-FaceAmount: title: Face Amount Schedule allOf: - $ref: "#/components/schemas/Schedule-Base" properties: sequence: items: title: Face Amount Schedule Entry properties: value: example: 250000 oneOf: - type: number format: double - title: Face Amount Option type: string enum: - SOLVE_FOR_TARGET_CASH_VALUE - MINIMUM_NON_MEC required: - value Schedule-Premium: title: Premium Schedule allOf: - $ref: "#/components/schemas/Schedule-Base" properties: sequence: items: title: Premium Schedule Entry properties: value: example: 25000 oneOf: - type: number format: double - title: Premium Option type: string enum: - SOLVE_FOR_TARGET_CASH_VALUE - MINIMUM_PREMIUM - TARGET_PREMIUM - GUIDELINE_MAXIMUM_PREMIUM - GUIDELINE_LEVEL_PREMIUM - LEVEL_NON_MEC required: - value Single-Year-Values-Base: title: Single-Year Values description: A single-year slice of data that varies annually - these values apply to any scenario and any product type: object allOf: - $ref: "#/components/schemas/PropertyCollection-Loan" properties: year: type: number format: integer accountValue: type: number format: double example: 0.104742 coverages: type: object description: Coverage-specific values which are annually variable. See under "initial" for values that are constant year-to-year properties: base: $ref: "#/components/schemas/Output-Coverage-Values" cumulativePremiumAmount: type: number format: double example: 397.2 deathBenefitAmount: type: number format: double example: 250000.104742 faceAmount: type: number format: double example: 250000 insuranceAgeAtBeginningOfYear: type: number format: integer example: 35 insuranceAgeAtEndOfYear: type: number format: integer example: 36 perUnitCharge: type: number format: double example: 201.21 policyValue: type: number format: double example: 0.104742 premiumAmount: type: number format: double example: 397.2 policyBasis: type: number format: double example: 110.04 policyGain: type: number format: double example: 0 surrenderValue: type: number format: double example: 0.102552 Flat-Extra: title: Flat Extra type: object properties: type: type: string description: Type of flat extra example: PERMANENT enum: - PERMANENT - TEMPORARY amount: type: number format: double description: Amount example: 1000 duration: type: number format: integer description: Duration example: 12 durationType: type: string description: Duration type example: YEARS enum: - YEARS - MONTHS startDate: type: string format: date pattern: ([0-9]{4})-([0-9]{2})-([0-9]{2}) description: Date (with pattern "yyyy-mm-dd") example: 2025-05-13 Schedule-Base: title: Generic Schedule description: Represents a value that changes with time. The value is assumed to change annually and be tied to a duration unless otherwise specified via the Frequency and Basis properties type: object properties: frequency: $ref: "#/components/schemas/Frequency" basis: description: Specifies how to interpret the from and through properties for each entry. type: string example: AGE enum: - AGE - DURATION - RETIREMENT sequence: description: Collection of entries describing the changes in value over time type: array items: title: Schedule Entry description: Represents a limited time period for which a value is constant. type: object properties: from: description: starting point for the value, inclusive type: integer minimum: 1 example: 1 through: description: ending point for the value, inclusive type: integer minimum: 1 example: 10 required: - from - through minItems: 1 required: - sequence PropertyCollection-Loan: title: Loan Property Collection description: Reusable collection of loan-related properties type: object properties: loan: type: object properties: amount: type: number format: double description: Loan amount example: 0 interestCreditedAmount: type: number format: double description: Loan interest credited amount example: 0 interestDueAmount: type: number format: double description: Loan interest due amount example: 0 payoffAmount: type: number format: double description: Loan payoff amount example: 0 maximumLoanAmount: type: number format: double description: Maximum loan amount example: 0 netAccountValue: type: number format: double example: 0.104742 netDeathBenefitAmount: type: number format: double example: 250000.104742 netSurrenderValue: type: number format: double example: 0.104742 policyNetOutlayAmount: type: number format: double example: 397.2 premiumOutlayAmount: type: number format: double example: 397.2 securitySchemes: Auth0: type: openIdConnect openIdConnectUrl: https://login.dev.zinnia.com/.well-known/openid-configuration x-kong-security-openid-connect: config: run_on_preflight: true scopes_claim: - https://dev.api.zinnia.io/permissions audience_claim: - aud audience_required: - https://dev.api.zinnia.io auth_methods: - bearer scopes: [] enabled: true protocols: - grpc - grpcs - http - https ```