---
title: "Underwriting"
url: "https://developers.zinnia.com/apis/new-business/versions/b8532e16-b28e-4393-9305-def50b91e40e/schemas/Underwriting"
---

> Full API specification: https://developers.zinnia.com/apis/new-business/versions/b8532e16-b28e-4393-9305-def50b91e40e.md

# Underwriting

## OpenAPI definition

```yaml
openapi: 3.1.0
info:
  title: Zinnia New Business API.
  version: 0.9.8
servers:
  - url: https://qa.api.zinnia.io
    description: QA Environment
  - url: https://dev.api.zinnia.io
    description: DEV Environment
  - url: https://uat.api.zinnia.io
    description: UAT Environment
  - url: https://api.zinnia.io
    description: PROD Environment
components:
  schemas:
    UnderwritingResult:
      type: object
      properties:
        description:
          type: string
          description: Result description
          example: Scuba diving deeper than 130 feet
        reasonCode:
          type: string
          enum:
            - App
            - MM
            - LN
            - Exam One
            - MIB
            - EIS
          description: Reason code
          example: LN
    Underwriting:
      type: object
      properties:
        decision:
          type: string
          enum:
            - Approved
            - Pending Decision
            - Pending Review
            - Declined
            - Risk Not Acceptable
          description: Underwriting decision
        totalReplacementCoverageAmt:
          type: number
          description: Total replacement coverage amount
          example: 250000
        status:
          type: string
          enum:
            - CLEAN_CASE
            - DECLINED
            - MODIFIED
            - ADVERSE
            - N/A
          description: Status of UW case
        issuedAsAppliedInd:
          type: string
          enum:
            - Yes
            - No
            - Unknown
          description: Indicator flag to specify as no change
        underwritingRiskClass:
          type: string
          enum:
            - Elite Non-Tobacco
            - Preferred Non-Tobacco
            - Standard Non-Tobacco
            - Standard Tobacco
            - Standard Aggregate
            - Substandard Non-Tobacco
            - Substandard Tobacco
          description: Risk Class Configured at Underwriting System.
          example: Elite Non-Tobacco
        decisionRiskClass:
          type: string
          enum:
            - Elite Non-Tobacco
            - Preferred Non-Tobacco
            - Standard Non-Tobacco
            - Standard Tobacco
            - Standard Aggregate
            - Substandard Non-Tobacco
            - Substandard Tobacco
          description: Decision Risk Class
          example: Elite Non-Tobacco
        underwritingMethod:
          type: string
          enum:
            - FULL_UNDERWRITING
            - ATTESTATION_VALIDATION
            - ADDITIONAL_UNDERWRITING
            - SIMPLIFIED_UNDERWRITING
            - REDUCED_UNDERWRITING
          description: Underwriting methods
        tobaccoPremiumBasis:
          type: string
          enum:
            - Smoker
            - Non-Smoker
          description: Premium basis
        tableRating:
          type: string
          enum:
            - A
            - B
            - C
            - D
            - E
            - F
            - G
            - H
          description: Table rating from Underwriting System.
          example: A
        permFlatExtraAmt:
          type: number
          description: Extra Amount
          example: 250000
        tempFlatExtraAmt:
          type: number
          description: Temporary extra amount
          example: 250000
        flatExtrasDuration:
          type: number
          description: extra duration
          example: 250000
        approvedFaceAmount:
          type: number
          description: Approved Face Amount
          example: 250000
        approvedMaxFaceAmount:
          type: number
          description: Approved Maximum Face Amount
          example: 250000
        UnderwritingResult:
          type: array
          items:
            $ref: "#/components/schemas/UnderwritingResult"
```