---
title: "Coverage"
url: "https://developers.zinnia.com/apis/policy-service-0-1-0/versions/8306e031-b41c-452a-a7ed-d73d65602086/schemas/Coverage"
---

> Full API specification: https://developers.zinnia.com/apis/policy-service-0-1-0/versions/8306e031-b41c-452a-a7ed-d73d65602086.md

# Coverage

## OpenAPI definition

```yaml
openapi: 3.0.0
info:
  title: Policy Service
  version: 0.0.21
servers:
  - url: https://qa.api.zinnia.io
components:
  schemas:
    Insured:
      type: object
      properties:
        existingLifeInsurance:
          type: boolean
          description: Any existing life insurance details of the insured
        existingLifeInsuranceAmount:
          type: number
          format: double
          example: 0
          description: The existing life insurance amount of the insured
        replaceLifeInsurance:
          type: boolean
          description: Any life insurance replacement details of the insured
        pendingOrPlanToBuyAdditional:
          type: boolean
          description: Any details of pending or plan to buy additional life insurance of
            the insured
        isDependent:
          type: boolean
          description: Any dependent details of the insured
        employed:
          type: boolean
          description: Any employment details of the insured
        employmentStatus:
          $ref: "#/components/schemas/EmploymentStatus"
        occupation:
          type: string
          description: Occupation of the insured
          example: Salesman
        householdIncome:
          type: number
          format: double
          description: Household income of the insured
          example: 50000
        deathDetails:
          $ref: "#/components/schemas/DeathDetail"
        impairmentDetails:
          $ref: "#/components/schemas/ImpairmentDetails"
    EmploymentStatus:
      type: string
      enum:
        - ACTIVE
        - RETIRED
        - DISABLED
        - LAIDOFF
        - LEAVEDUETOCHILDBIRTH
        - LEAVEDUETOMILITARYSERVICE
        - LEAVEOFABSENCE
        - RESIGNED
        - SHORTTERMDISABILITY
        - TERMINATED
        - UNKNOWN
        - OTHER
    DeathDetail:
      type: object
      properties:
        dateOfDeath:
          type: string
          format: date
          description: The date on which the insured/annuitant died
          example: 2023-01-01
        causeOfDeath:
          $ref: "#/components/schemas/CauseOfDeath"
        deathNotificationDate:
          type: string
          format: date
          description: The date on which carrier was notified of the death
          example: 2023-01-01
        dateOfDueProof:
          type: string
          format: date
          description: Date the appropriate death paperwork was received (example - death
            certificate receive date)
          example: 2023-01-01
    ImpairmentDetails:
      type: object
      properties:
        disabled:
          type: boolean
          description: Any disability details of the insured
        disabilityStartDate:
          type: string
          format: date
          description: The disability start date of the insured
          example: 2023-01-01
    CauseOfDeath:
      type: string
      enum:
        - AIDS
        - ACCIDENTOTHER
        - ACCIDENTBYFIRE
        - ACCIDENTALDROWNING
        - ACCIDENTALFALL
        - ACCIDENTALPOISONING
        - AIRCRAFTACCIDENT
        - ALCOHOLISM
        - ALLERGICDISORDERS
        - ANEMIA
        - APPENDICITIS
        - ARTERIALDISEASE
        - AVITAMINOSIS
        - BENIGNTUMOR
        - BIRTHINJURY
        - BRONCHITIS
        - BRONCHOPNEUMONIA
        - COVID
        - CANCERBONE
        - CANCERBREAST
        - CANCERCERVIX
        - CANCERESOPHAGUS
        - CANCERINTESTINE
        - CANCERLARYNX
        - CANCERLUNG
        - CANCERMOUTH
        - CANCEROTHER
        - CANCERPROSTATE
        - CANCERRECTUM
        - CANCERSKIN
        - CANCERSTOMACH
        - CANCERUTERUS
        - CIRCULATORYOTHER
        - CIRRHOSIS
        - CONGENITALDISORDER
        - DIABETES
        - DIGESTIVEDISEASEOTHER
        - DIPTHERIA
        - DRUGOVERDOSE
        - DYSENTERY
        - EARINFECTION
        - EMPHYSEMA
        - ENCEPHALITIS
        - ENLARGEDPROSTATE
        - EPILEPSY
        - FIREARMACCIDENT
        - FLU
        - GALLSTONE
        - GASTRITIS
        - GASTROENTERITIS
        - GOITERNONTOXIC
        - HEARTARTERIOSCLEROTIC
        - HEARTOTHER
        - HEARTRHEUMATIC
        - HERNIA
        - HOMICIDE
        - HYPERTENSIONHEART
        - HYPERTENSIONNOHEART
        - KIDNEYINFECTION
        - KIDNEYSTONE
        - LEUKAEMIA
        - LUNGDISEASEOTHER
        - LYMPHORSARCOMA
        - MACHINERYACCIDENT
        - MALARIA
        - MEASLES
        - MENINGITISMENIN
        - MENINGITISNONMENIN
        - MENTALDISORDER
        - MOTORVEHICLEACCIDENT
        - MULTIPLESCLEROSIS
        - NATURALDEATH
        - NEPHRITIS
        - NERVOUSSYSTEMOTHER
        - NEWBORNDISORDEROTHER
        - NEWBORNINFECTION
        - OSTEOMYELITIS
        - PARASITICDISEASEOTHER
        - PLEURISY
        - PNEUMONIALOBAR
        - PNEUMONIAOTHER
        - POLIO
        - PREGNANCYDISORDER
        - RHEUMATICFEVER
        - SCARLETFEVER
        - SENILITY
        - SEPTICAEMIA
        - SKINDISEASEOTHER
        - SKININFECTION
        - SUICIDE
        - SYPHILIS
        - TETANUS
        - THYROTOXICOSIS
        - TUBERCULOSIS
        - TYPHOID
        - TYPHUS
        - ULCEROFDUODENUM
        - ULCEROFSTOMACH
        - UNKNOWN
        - URINARYDISEASEOTHER
        - VASCULARLESIONS
        - WAR
        - WHOOPINGCOUGH
        - PENDINGINVESTIGATION
        - ACCIDENT
    Coverage:
      type: object
      properties:
        nARWeighting:
          type: number
          format: double
        code:
          type: string
        name:
          type: string
        guidelineSinglePremium:
          type: number
          description: The Guideline Single Premium (GSP) refers to the maximum single
            premium payment that can be made into a life insurance policy
            without violating the IRSs Guideline Premium Test (GPT). It is used
            to ensure that the policy qualifies as life insurance and maintains
            its tax-advantaged status
          format: double
        guidelineLevelPremium:
          type: number
          description: The Guideline Level Premium (GLP) is the maximum level (annual or
            periodic) premium that can be paid into a life insurance policy
            while maintaining compliance with the IRSs Guideline Premium Test
            (GPT). It ensures that the policy remains classified as life
            insurance and retains its tax-advantaged status
          format: double
        get_7PayPremium:
          type: number
          format: double
        issueDate:
          type: string
          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
          format: date-time
        targetPremium:
          type: number
          format: double
        targetCommission:
          type: number
          format: double
        maturityDate:
          type: string
          description: The Policy Maturity Date refers to the date when a life insurance
            policy reaches its maturity or an annuity contract reaches its
            maximum annuitization age. It is based on the Policy Start Date and
            determines when benefits become payable or coverage ends
          format: date-time
        coverageAmount:
          type: number
          format: double
        underwritingBasis:
          type: string
        originalCoverageAmount:
          type: number
          format: double
        coverageChangeAmount:
          type: number
          format: double
        coverageTerminationDate:
          type: string
          format: date-time
        insured:
          type: array
          items:
            $ref: "#/components/schemas/Insured"
        narweighting:
          type: number
          format: double
```