--- title: "AdhocReissuanceRider" url: "https://developers.zinnia.com/apis/policy-service-0-1-0/versions/8306e031-b41c-452a-a7ed-d73d65602086/schemas/AdhocReissuanceRider" --- > Full API specification: https://developers.zinnia.com/apis/policy-service-0-1-0/versions/8306e031-b41c-452a-a7ed-d73d65602086.md # AdhocReissuanceRider ## OpenAPI definition ```yaml openapi: 3.0.0 info: title: Policy Service version: 0.0.21 servers: - url: https://qa.api.zinnia.io components: schemas: RiderType: type: string enum: - BASE - RIDER - BASEINCREASE - INTEGRATEDRIDER - RIDERINCREASE - BENEFIT - DISCOUNT - OTHER - UNKNOWN RiderElected: type: string enum: - ELECTED - NOTELECTED Status: type: string enum: - ACTIVE - TERMINATED - PENDING - SUSPENDED AdhocReissuanceRiderRiderParticipants: type: object properties: partyId: type: string example: Party_PI_1 description: The impacted party associated with a transaction or event.(party change requests i.e. non financial txns) partyAgeAtIssue: type: number format: int32 example: 43 description: The Party Age at Issue refers to the age of any party associated with a life insurance or annuity policy at the time the contract is issued. riskClass: $ref: "#/components/schemas/RiskClass" substandardRating: $ref: "#/components/schemas/SubStandardRating" flatExtra: type: array items: $ref: "#/components/schemas/AdhocReissuanceRiderFlatExtra" AdhocReissuanceRiderRiderCoverageLayer: type: object properties: coverageId: type: string example: Base_Coverage description: The Coverage ID is a unique identifier assigned to a specific coverage type or benefit within an insurance policy. It helps insurance companies, agents, and policyholders track and differentiate multiple coverage components within a single policy. coverageType: $ref: "#/components/schemas/RiderType" coverageName: type: string example: Base_Coverage description: The Coverage Name in a life insurance policy refers to the specific title or label assigned to a coverage type within the policy contract. It helps insurers, agents, and policyholders identify, classify, and manage different coverage components in a policy. approvedCoverageAmount: type: number format: double example: 10000 description: The Approved Coverage Amount refers to the specific amount of insurance coverage that has been approved by the insurer during the underwriting process. It represents the face amount (death benefit) the insurer has agreed to issue based on the applicant's risk profile, health, and other underwriting criteria. currentAmount: type: number format: double example: 300000 description: The Current Coverage Amount refers to the active or present death benefit or coverage value available under the policy at a specific point in time. It reflects any adjustments, policy changes, withdrawals, or loans that may have altered the original coverage amount. originalCoverageAmount: type: number format: double example: 300000 description: The Original Coverage Amount refers to the initial face value or death benefit of a policy at the time of issuance before any policy modifications, withdrawals, loans, or benefit reductions. It represents the starting coverage amount agreed upon when the policy was first issued. lowDeathBenefitAmount: type: number format: double example: 300000 description: Low Death Benefit refers to the lowest possible death benefit guaranteed within each specific coverage component of a policy. This ensures that beneficiaries receive at least a minimum death benefit regardless of market performance, policy changes, or withdrawals. coverageEffectiveDate: type: string format: date example: 2023-01-01 description: The Coverage Effective Date refers to the date when an increase in coverage or a new coverage component officially takes effect in a life insurance policy. It marks the beginning of the insured’s eligibility for the new or increased benefits. coverageChangeEffectiveDate: type: string format: date example: 2023-01-01 description: The Coverage Change Effective Date (for a decrease in coverage) refers to the date when the reduced coverage amount officially takes effect in a life insurance policy. It marks the point from which the new lower coverage amount applies. coverageTerm: type: number format: int32 example: 1 description: Coverage Term refers to the number of years that a life insurance policy or specific coverage component is intended to remain in force, providing protection to the insured. It defines the planned duration of insurance coverage, after which the coverage may expire, renew, or convert, depending on the product type. UnderwritingStatus: type: string enum: - APPROVED - DECLINED RiskClass: type: string enum: - ULTRANONTOBACCO - ELITENONTOBACCO - PREFERREDNONTOBACCO - STANDARDNONTOBACCO - STANDARDTOBACCO - STANDARDAGGREGATE - SUBSTANDARDNONTOBACCO - SUBSTANDARDTOBACCO - STANDARDPLUSNONTOBACCO - PREFERREDTOBACCO - STANDARDCONVERSIONTOBACCO - STANDARDCONVERSIONNONTOBACCO SubStandardRating: type: string enum: - TABLEA - TABLEB - TABLEC - TABLED - TABLEE - TABLEF - TABLEG - TABLEH - TABLEI - TABLEJ - TABLEK - TABLEL - TABLEM - TABLEN - TABLEO - TABLEP - NONETABLE AdhocReissuanceRiderFlatExtra: type: object properties: flatExtraType: $ref: "#/components/schemas/FlatExtraType" flatExtraDuration: type: number format: int32 example: 0 description: The Flat Extra Duration refers to the length of time a Flat Extra premium charge is applied to a life insurance policy. This duration depends on whether the Flat Extra is temporary or permanent, and it is determined by the insurer based on the risk factor associated with the insured. flatExtraAmount: type: number format: double example: 0 description: The Flat Extra Amount refers to an additional charge per $1,000 of coverage that an insurer applies to a life insurance policy due to an increased risk factor. This extra cost is added on top of the standard premium and can be temporary or permanent, depending on the nature of the risk. flatExtraStartDate: type: string format: date example: 2023-01-01 description: The Flat Extra Start Date refers to the date when an additional, fixed premium charge (Flat Extra) begins on a life insurance policy. This charge is typically applied due to an increased underwriting risk, such as hazardous occupations, high-risk hobbies, or medical conditions. FlatExtraType: type: string enum: - TEMPORARY - PERMANENT AdhocReissuanceRider: type: object properties: type: $ref: "#/components/schemas/RiderType" riderName: type: string example: The specific name of the rider as designated by the insurance company. For example - Terminal Illness Accelerated Death Benefit description: Rider name riderElected: $ref: "#/components/schemas/RiderElected" riderCode: type: string example: SBLCHR description: A unique identifier or alphanumeric code assigned to the rider payoutOption: type: string enum: - SINGLE - JOINT description: Single or Joint Payout (not driven by Owners on the policy, even a jointly owned policy can have single as an option. Used in configuration to set different GMWB benefits for Single and Joint GMWB Amount Types. status: $ref: "#/components/schemas/Status" coverageId: type: string example: Rider_SBLCHR description: An unique identifier assigned to the rider coverage within an insurance coverage or policy layer. amount: type: number format: double example: 0 description: The total benefit amount the rider provides (separate from the base policy’s coverage.) riderParticipants: description: Note - Use riderParticipants field instead of riderParticipant type: array items: $ref: "#/components/schemas/AdhocReissuanceRiderRiderParticipants" coverageLayers: type: array items: $ref: "#/components/schemas/AdhocReissuanceRiderRiderCoverageLayer" underwritingStatus: $ref: "#/components/schemas/UnderwritingStatus" unbornChildIndicator: type: boolean example: true description: When true, indicates there is no named child rider insured and the rider is being used to cover an unborn child. ```