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Illustration

Indexed Universal Life (IUL) Illustrations

Term Life product illustrations

Illustration for new indexed universal life

Triggers an immediate calculation and returns the calculated results.

post
https://dev.api.zinnia.io/illustration/v3/indexed-universal-life/new-business

Body

application/json

contains all the input data needed for processing the request

Illustration Request for IUL

Illustration Request for Indexed Universal Life product

calculationTypestringrequired

Type of calculation. Only SINGLE_ILLUSTRATION triggers a PDF to be generated.

Allowed values:QUICK_QUOTESINGLE_ILLUSTRATIONAGGREGATE_ILLUSTRATIONCOMPOSITE_ILLUSTRATIONPOLICY_PAGE_PROJECTIONINITIAL_QUOTE

Example:QUICK_QUOTE

sourcestring

Source of the request

Example:ZINNIA

illustrationRequestDatestring(date)required

Date (with pattern “yyyy-mm-dd”)

Match pattern:([0-9]{4})-([0-9]{2})-([0-9]{2})

Example:2025-05-13

reportsobject
Show Child Parameters
coveragesarray[object]required

A benefit conferred to a group of one or more participants

Show Child Parameters
partiesAny Of
arrayrequiredunique-items

Must have at least one party representing the Insured participant

>= 1 items

Non-Insured Partyobject

Represents a party with a roleCode other than INSURED

Show Child Parameters
optionsobject

Options for the illustration request.

Show Child Parameters
jurisdictionstringrequired

Allowed values:AKALARASAZCACOCTDCDEFLGAGUHIIAIDILINKSKYLAMAMDMEMIMNMOMPMSMTNCNDNENHNJNMNVNYOHOKORPAPRRISCSDTNTXUMUTVAVIVTWAWIWVWY

planCodestringrequired

Plan code

Example:EG123

conversionobject

Specifies what type of conversion is occurring

Show Child Parameters
lumpSumDepositsarray[object]

Additional one-time payments that take place at specified points in time

Show Child Parameters
fundAllocationsarray[object]required

Fund allocations

Show Child Parameters
distributionsobject

Distributions

Show Child Parameters
exchangesobject
Show Child Parameters

Response

application/json

the request was processed

Illustration Response IUL

Illustration Response for Indexed Universal Life product

idstring

The unique identifier for the illustration request.

Example:ed13083d-d6b3-463d-a569-56b532d00fcd

messagesarray[object]

A structured signal

Show Child Parameters
assumedobject

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

Show Child Parameters
guaranteedobject

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

Show Child Parameters
midpointobject

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

Show Child Parameters
alternateobject

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

Show Child Parameters
post/illustration/v3/indexed-universal-life/new-business

Body

{ "calculationType": "QUICK_QUOTE", "illustrationRequestDate": "2025-05-13", "coverages": [ { "coverageId": "BASE_COVERAGE" } ], "parties": [ { "partyId": "95f5ece9-e40b-450b-ad39-daa217894e69", "partyTypeCode": "INDIVIDUAL", "roleCode": "OWNER" } ], "jurisdiction": "AK", "planCode": "EG123", "fundAllocations": [ { "allocationPercent": 50, "fundId": "SPX" } ] }
 
application/json

Illustration for new Indexed Universal Life (IUL)

Retrieves the calculated results for the specified illustration request.

get
https://dev.api.zinnia.io/illustration/v3/indexed-universal-life/new-business/{id}

Path Parameters

idstringrequired

The unique identifier for the illustration request.

Response

application/json

the request was processed and results may be retrieved.

inputsobject

Illustration Request for Indexed Universal Life product

Show Child Parameters
response

Illustration Response for Indexed Universal Life product

Show Child Parameters
get/illustration/v3/indexed-universal-life/new-business/{id}
 
application/json

Illustration for in-force indexed universal life - what-if scenario

Triggers an immediate calculation and returns the calculated results.

post
https://dev.api.zinnia.io/illustration/v3/indexed-universal-life/in-force/what-if

Body

application/json

contains all the input data needed for processing the request

Illustration Request for IUL - Inforce What-If

Illustration Request for Indexed Universal Life product - Inforce what-if scenario

calculationTypestringrequired

Type of calculation. Only SINGLE_ILLUSTRATION triggers a PDF to be generated.

Allowed values:QUICK_QUOTESINGLE_ILLUSTRATIONAGGREGATE_ILLUSTRATIONCOMPOSITE_ILLUSTRATIONPOLICY_PAGE_PROJECTIONINITIAL_QUOTE

Example:QUICK_QUOTE

sourcestring

Source of the request

Example:ZINNIA

illustrationRequestDatestring(date)required

Date (with pattern “yyyy-mm-dd”)

Match pattern:([0-9]{4})-([0-9]{2})-([0-9]{2})

Example:2025-05-13

reportsobject
Show Child Parameters
coveragesarray[object]required

A benefit conferred to a group of one or more participants

Show Child Parameters
partiesAny Of
arrayrequiredunique-items

Must have at least one party representing the Insured participant

>= 1 items

Non-Insured Partyobject

Represents a party with a roleCode other than INSURED

Show Child Parameters
optionsobject

Options for the illustration request.

Show Child Parameters
jurisdictionstringrequired

Allowed values:AKALARASAZCACOCTDCDEFLGAGUHIIAIDILINKSKYLAMAMDMEMIMNMOMPMSMTNCNDNENHNJNMNVNYOHOKORPAPRRISCSDTNTXUMUTVAVIVTWAWIWVWY

planCodestringrequired

Plan code

Example:EG123

conversionobject

Specifies what type of conversion is occurring

Show Child Parameters
lumpSumDepositsarray[object]

Additional one-time payments that take place at specified points in time

Show Child Parameters
fundAllocationsarray[object]required

Fund allocations

Show Child Parameters
distributionsobject

Distributions

Show Child Parameters
exchangesobject
Show Child Parameters
policyDetailrequired

Represents the state of a policy at an instant in time. Describes the payload Zahara transmits when requesting calculations for a single transaction.

Show Child Parameters
policyDetailDatestring(date)required

Date (with pattern “yyyy-mm-dd”)

Match pattern:([0-9]{4})-([0-9]{2})-([0-9]{2})

Example:2025-05-13

Response

application/json

the request was processed

Illustration Response IUL

Illustration Response for Indexed Universal Life product

idstring

The unique identifier for the illustration request.

Example:ed13083d-d6b3-463d-a569-56b532d00fcd

messagesarray[object]

A structured signal

Show Child Parameters
assumedobject

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

Show Child Parameters
guaranteedobject

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

Show Child Parameters
midpointobject

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

Show Child Parameters
alternateobject

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

Show Child Parameters
post/illustration/v3/indexed-universal-life/in-force/what-if

Body

{ "calculationType": "QUICK_QUOTE", "illustrationRequestDate": "2025-05-13", "coverages": [ { "coverageId": "BASE_COVERAGE" } ], "parties": [ { "partyId": "95f5ece9-e40b-450b-ad39-daa217894e69", "partyTypeCode": "INDIVIDUAL", "roleCode": "OWNER" } ], "jurisdiction": "AK", "planCode": "EG123", "fundAllocations": [ { "allocationPercent": 50, "fundId": "SPX" } ], "policyDetail": "", "policyDetailDate": "2025-05-13" }
 
application/json

Illustration for in-force Indexed Universal Life (IUL) what-if scenario

Retrieves the calculated results for the specified illustration request.

get
https://dev.api.zinnia.io/illustration/v3/indexed-universal-life/in-force/what-if/{id}

Path Parameters

idstringrequired

The unique identifier for the illustration request.

Response

application/json

the request was processed and results may be retrieved.

inputsobject

Illustration Request for Indexed Universal Life product - Inforce what-if scenario

Show Child Parameters
response

Illustration Response for Indexed Universal Life product

Show Child Parameters
get/illustration/v3/indexed-universal-life/in-force/what-if/{id}
 
application/json