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

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

# CoverageParticipants

## OpenAPI definition

```yaml
openapi: 3.0.0
info:
  title: Policy Service
  version: 0.0.21
servers:
  - url: https://qa.api.zinnia.io
components:
  schemas:
    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
    FlatExtra:
      type: object
      properties:
        flatExtraType:
          type: string
          enum:
            - TEMPORARY
            - PERMANENT
          description: A Flat Extra is an additional dollar amount added to the base
            premium for a life insurance policy due to increased risk factors.
            Insurers apply Flat Extras on top of standard risk classifications
            (e.g., Preferred, Standard, or Substandard ratings).Flat Extras can
            be classified into two types "Temporary Flat Extra" and "Permanent
            Flat Extra"
        flatExtraDuration:
          type: number
          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
          format: int32
          example: 0
        flatExtraAmount:
          type: number
          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
          format: double
          example: 0
        flatExtraStartDate:
          type: string
          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
          format: date
          example: 2023-01-01
    CoverageParticipants:
      type: object
      properties:
        partyId:
          type: string
          description: The Insured(s) ID is a unique identifier assigned to the insured
            individual(s) covered under a life insurance policy. It is used by
            insurance companies to track, process, and manage policyholder
            records efficiently
          example: Party_PI_1
        issueAge:
          type: integer
          format: int32
          description: Note-Use
            coverage.coverageLayers.coverageParticipants.partyAgeAtIssue field
            instead of issueAge
          example: 43
        partyAgeAtIssue:
          type: number
          format: int32
          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
          example: 43
        riskClass:
          $ref: "#/components/schemas/RiskClass"
        substandardRating:
          $ref: "#/components/schemas/SubStandardRating"
        flatExtra:
          type: array
          items:
            $ref: "#/components/schemas/FlatExtra"
```