---
title: "Scenario Results for Term Life"
url: "https://developers.zinnia.com/apis/illustration-3-0-8/versions/b96a49c1-73c5-46d3-8968-fe603081d524/schemas/Scenario-Term"
---

> Full API specification: https://developers.zinnia.com/apis/illustration-3-0-8/versions/b96a49c1-73c5-46d3-8968-fe603081d524.md

# Scenario Results for Term Life

Outputs for Term Life product across all scenarios. This object represents a single scenario (e.g. Assumed, Guaranteed, etc)

## OpenAPI definition

```yaml
openapi: 3.0.1
info:
  title: Illustration Generation
  version: 3.5.3
servers:
  - url: https://dev.api.zinnia.io
    description: Development
components:
  schemas:
    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
    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
    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
    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"
```