--- title: "Attributes" url: "https://developers.zinnia.com/apis/policy-service-0-1-0/versions/8306e031-b41c-452a-a7ed-d73d65602086/schemas/Attributes" --- > Full API specification: https://developers.zinnia.com/apis/policy-service-0-1-0/versions/8306e031-b41c-452a-a7ed-d73d65602086.md # Attributes ## OpenAPI definition ```yaml openapi: 3.0.0 info: title: Policy Service version: 0.0.21 servers: - url: https://qa.api.zinnia.io components: schemas: Attributes: type: object properties: carrierCode: type: string example: carrierCode description: Carrier Code productCode: type: string example: productCode description: Product Code productType: type: string description: The Product Type refers to the specific category of life insurance or annuity based on its structure, premium flexibility, cash value potential, and investment options. It determines how the policy functions, how premiums are paid, and whether the policy includes a cash accumulation component example: productType planName: type: string description: The Product Name refers to the specific life insurance or annuity product selected by the contract owner at the time of policy issuance. It identifies the type of coverage, policy structure, and key features associated with the contract example: planName renewableIndicator: type: string example: renewableIndicator description: Renewable Indicator qualifiedPlanType: type: string example: qualifiedPlanType description: Qualified Plan Type payToYear: type: string example: payToYear description: Pay To Year policyYear: type: string description: The Policy Year refers to the number of years that have passed since the policy’s effective date. It is used to track policy duration, benefits, premium schedules, surrender charges, and other contractual provisions example: policyYear monthOfYear: type: string description: The Policy Months refers to the number of months that have passed since the policy’s effective date. It is used to track policy duration, premium schedules, benefits, and contractual provisions on a monthly basis example: monthOfYear policyNumber: type: string description: The Policy Number is a unique identifier assigned to a life insurance or annuity contract by the insurance carrier. It serves as the official reference number for tracking, managing, and servicing the policy throughout its lifetime example: policyNumber policyStatus: type: string description: The Policy Status refers to the current standing of a life insurance or annuity contract, indicating whether it is active, inactive, lapsed, or terminated. The status determines whether the policyholder has coverage and whether policy benefits remain in effect example: policyStatus issueType: type: string description: The Issue Type refers to the classification of how a life insurance or annuity contract is issued, based on underwriting approval, policy structure, or specific issuance conditions. It determines whether the policy was fully underwritten, simplified, guaranteed issue, or part of a group plan example: issueType residenceState: type: string example: residenceState description: Residence State jurisdiction: type: string example: jurisdiction description: Jurisdiction effectiveDate: type: string example: effectiveDate description: Effective Date applicationSignedDate: type: string example: applicationSignedDate description: Application Signed Date issueDate: type: string example: issueDate description: The Policy Issue Date, also known as the Policy Launch Date, is the date when the insurance company officially issues the policy to the client. This occurs after the application is approved, the insured accepts the offer, and payment information is provided. It marks the formal activation of the policy and triggers policy delivery contestabilityStartDate: type: string example: contestabilityStartDate description: The Contestability Start Date refers to the beginning of the contestability period, which is the time frame in which an insurance company can investigate and deny a claim if material misrepresentations or fraud are found in the application contestabilityEndDate: type: string example: contestabilityEndDate description: The Contestability End Date is the date when the contestability period expires, meaning the insurer can no longer deny a claim based on misrepresentation or omission in the application, unless fraud is proven policyDeliveryReceiptDate: type: string example: policyDeliveryReceiptDate description: Policy Delivery Receipt Date initialPaymentExpirationDate: type: string example: initialPaymentExpirationDate description: The Initial Payment Amount Expiration Date refers to the deadline by which the initial premium payment must be made to keep the policy offer valid and ensure the policy goes into effect., if not received Policy will be Canceled due to no Premium Set at Issuance nextAnniversaryDate: type: string example: nextAnniversaryDate description: The Next Policy Anniversary Date refers to the upcoming annual recurrence of the policy’s start date. It is based on the Policy Start Date and marks key policy milestones such as premium due dates, cash value updates, policy renewals, and benefit adjustments nextMonthiversaryDate: type: string example: nextMonthiversaryDate description: The Next Policy Monthiversary Date refers to the same day of each month that corresponds to the Policy Start Date, marking the monthly recurrence of the policy. It is used for monthly premium payments, cost deductions, cash value calculations, and interest crediting previousAnniversaryDate: type: string example: previousAnniversaryDate description: Previous Anniversary Date previousMonthiversaryDate: type: string example: previousMonthiversaryDate description: Previous Monthiversary Date expiryDate: type: string example: expiryDate description: Expiry Date terminationDate: type: string example: terminationDate description: Termination Date costBasisDate: type: string example: costBasisDate description: The Cost Basis Date refers to the date on which the cost basis value of a life insurance policy or annuity contract is calculated. The cost basis represents the total amount of after-tax money contributed to the policy or annuity and is used to determine the taxable portion of withdrawals, loans, or payouts costBasis: type: string example: costBasis description: The Cost Basis refers to the total cumulative amount of after-tax premiums paid into a life insurance policy or annuity contract. It represents the non-taxable portion of withdrawals, policy loans, or surrenders, ensuring that policyholders are only taxed on gains above this amount currency: type: string example: currency description: The Currency refers to the system of money in which a life insurance or annuity contract is denominated and transacted. It defines the monetary unit used for premium payments, policy benefits, withdrawals, and payouts claimApprovalDate: type: string example: claimApprovalDate description: The Claim Approval Date is the date when an insurance company officially approves a claim for payment after verifying the claim details, policy coverage, and required documentation certifiedReceivedDate: type: string example: certifiedReceivedDate description: The Certified Received Date refers to the date when the insurance company officially receives the certified death paperwork (such as a death certificate) required to process a life insurance claim. This date marks the beginning of the formal claims verification process lossReportDate: type: string example: lossReportDate description: Loss Report Date agentExternalId: type: string example: "3160000751" description: The Id which user enters(Id validated in MCS) - Agent External ID and Compnay ID uniquely identifies the right Agent. partyRole: type: string example: PRIMARYWRITINGAGENT description: The role of the specific party required: - carrierCode - productCode - productType - planName - renewableIndicator - qualifiedPlanType - payToYear - policyYear - monthOfYear - policyNumber - policyStatus - issueType - residenceState - jurisdiction - effectiveDate - applicationSignedDate - issueDate - contestabilityStartDate - contestabilityEndDate - policyDeliveryReceiptDate - initialPaymentExpirationDate - nextAnniversaryDate - nextMonthiversaryDate - previousAnniversaryDate - previousMonthiversaryDate - expiryDate - terminationDate - costBasisDate - costBasis - currency - claimApprovalDate - certifiedReceivedDate - lossReportDate - agentExternalId - partyRole ```