--- title: "UnderwritingDecision" url: "https://developers.zinnia.com/apis/new-business/versions/b8532e16-b28e-4393-9305-def50b91e40e/schemas/UnderwritingDecision" --- > Full API specification: https://developers.zinnia.com/apis/new-business/versions/b8532e16-b28e-4393-9305-def50b91e40e.md # UnderwritingDecision ## 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: 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" QuoteResponse: type: object properties: quoteId: type: string description: Unique Id generated by the LPS system example: Q332022203127424 success: type: boolean description: Quote status example: false faceAmount: type: number description: Face Amount example: 250000 premiumAmount: type: number format: double description: Premium amount example: 216.16 paymentTerm: type: string description: Duration of payment example: "20" premiumFrequency: type: string enum: - m - q - a - sa - sp description: Frequency of premium payment example: m totRequestedFaceAmt: type: number description: Requested Face Amount example: 250000 totRequestedFaceAmtPremium: type: number description: Requested Face Amount Premium amount example: 216 issueAge: type: number description: Issue Age example: 34 quoteDate: type: string format: date-time description: Date (with pattern "yyyy-MM-dd'T'HH:mm:ss'Z'"). Quote date productVersionCode: type: string description: Product Version code example: 2019v1 annualPolicyMgmtFee: type: number description: Annual policy management fee example: 0 budgetFriendlyPremiumAmt: type: number description: Premium amount option example: 10 maxMatchPremiumAmt: type: number description: Maximum Premium amount example: 260 maxFundedPremiumAmt: type: number description: Maximum Funded Premium amount example: 600 maxMatchPercent: type: number description: Maximum match percent example: 10 maxMatchYear: type: number description: Year example: 7 acctValIntRate: type: number description: Account value interest rate example: 3.5 payToAge: type: string description: pay to age till given value example: "60" maxPayToAge: type: string description: Maximum Pay age example: "60" minPayToAge: type: string description: Min pay age example: "30" cashValue: type: number description: Cash value as on date example: 139512.94 cashValueAgeOf: type: number description: Cash value as on date example: 60 solveType: type: string description: From LPS example: INITIAL riskClass: 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 LPS Engine example: Elite Non-Tobacco underwritingMethod: type: string enum: - FULL_UNDERWRITING - ATTESTATION_VALIDATION - ADDITIONAL_UNDERWRITING - SIMPLIFIED_UNDERWRITING - REDUCED_UNDERWRITING description: Underwriting types example: FULL_UNDERWRITING deathBenefitOpt: type: string enum: - Level - Increasing costIndices: type: array items: $ref: "#/components/schemas/CostIndices" riders: type: array items: $ref: "#/components/schemas/RidersDetails" 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 CostIndices: type: object properties: type: type: string description: Indices Type example: NetPayment year: type: string description: Year at value example: "10" value: type: number description: Indices Type example: 2.31 RidersDetails: type: object properties: code: type: string enum: - ABC001_CR description: Riders Code name: type: string description: Rider Name example: Child rider isAllowed: type: string enum: - Yes - No description: Flag related to riders details example: Yes isIncluded: type: string enum: - Yes - No description: Flag related to riders details example: Yes UnderwritingDecision: type: object properties: eappId: type: string description: Unique application Id generated by the UI. Each application would have unique identifier example: 15ea7582-262f-4dfe-8a60-1e8b8e763fd4 correlationId: type: string description: Unique process identifier to track the all linked processed against one single application. This is an optional example: 2ad51ecf-9923-437f-a6f0-70968e464cdb carrier: type: string example: CarrierName_1 policyStatus: type: string enum: - Applied For - Approved - Submitted to Underwriting - Pending - Declined - Quoted - Risk Not Acceptable - Proposed - Counter Offer - Not Taken - Issue Pending - Issued - Closed - Active - Lapsed - Cancelled Not Taken - Lapse Pending - Cancelled FreeLook - Cancelled - Offer Accepted - Death Claim Pending - Death Claim Paid - Expired - Matured - Surrendered - Rescission - Death Claim Approved - Suspended Active - Suspended Not Active description: Status of the policy. It should be - Issued in order to issue the policy example: Issued underwriting: $ref: "#/components/schemas/Underwriting" quoteResponse: $ref: "#/components/schemas/QuoteResponse" ```