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

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

# CoveragesAttributes

## OpenAPI definition

```yaml
openapi: 3.0.0
info:
  title: Policy Service
  version: 0.0.21
servers:
  - url: https://qa.api.zinnia.io
components:
  schemas:
    CoveragesAttributes:
      type: object
      properties:
        coverageId:
          type: string
          example: COV123
          description: Coverage ID
        indicatorCode:
          type: string
          example: IND123
          description: Indicator Code
        productCode:
          type: string
          example: PROD456
          description: Product Code
        planName:
          type: string
          example: Platinum Plan
          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
        selectionIndicator:
          type: string
          example: Y
          enum:
            - Y
            - N
          description: Selection Indicator
        currentAmount:
          type: string
          example: "20000"
          description: Current Amount
        priorCoverageAmount:
          type: string
          example: "18000"
          description: Prior Coverage Amount
        minimumBenefitAmount:
          type: string
          example: "15000"
          description: Minimum Benefit Amount
        maximumBenefitAmount:
          type: string
          example: "25000"
          description: Maximum Benefit Amount
        grossDeathBenefitAmount:
          type: string
          example: "5000"
          description: Gross Death Benefit Amount
        lowDeathBenefit:
          type: string
          example: "2000"
          description: Low Death Benefit
        coverageChangeAmount:
          type: string
          example: "3000"
          description: Coverage Change Amount
        effectiveDate:
          type: string
          example: 2022-01-01
          description: Effective Date
        coverageChangeEffectiveDate:
          type: string
          example: 2021-12-01
          description: Coverage Change Effective Date
        terminationDate:
          type: string
          example: 2022-12-31
          description: Termination Date
        currentNumberOfUnits:
          type: string
          example: "100"
          description: Current Number of Units
        valuePerUnit:
          type: string
          example: "50"
          description: Value Per Unit
        premiumModalFactor:
          type: string
          example: "1.5"
          description: Premium Modal Factor
        exerciseDate:
          type: string
          example: 2023-03-15
          description: Exercise Date
        lifeCoverageStatus:
          type: string
          example: Active
          description: Life Coverage Status
        claimStatus:
          type: string
          example: Pending
          description: The Claim Status refers to the current stage of a life insurance
            claim, indicating whether the claim has been processed, approved,
            denied, or is still under review. This status helps policyholders,
            beneficiaries, and insurers track the progress of a claim from
            submission to payout
        nextEvaluationDate:
          type: string
          example: 2023-12-01
          description: Next Evaluation Date
        paymentMode:
          type: string
          example: Monthly
          description: Payment Mode
        maximumBenefitPercent:
          type: string
          example: 80%
          description: Maximum Benefit Percent
        maximumPayPeriod:
          type: string
          example: "365"
          description: Maximum Pay Period
        guidelineSinglePremium:
          type: string
          example: "5000"
          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 IRS`s Guideline Premium Test (GPT). It is used
            to ensure that the policy qualifies as life insurance and maintains
            its tax-advantaged status
        guidelineAnnualPremium:
          type: string
          example: "2000"
          description: Guideline Annual Premium
        sevenPayPremium:
          type: string
          example: "700"
          description: The 7-Pay Premium refers to the maximum allowable premium that can
            be paid into a life insurance policy during the first seven years
            without triggering Modified Endowment Contract (MEC) status. It
            ensures that the policy remains a tax-advantaged life insurance
            contract rather than an investment vehicle
        coverageReferenceId:
          type: string
          example: REF456
          description: Coverage Reference ID
        tier1MaximumBenefitAmount:
          type: string
          example: "10000"
          description: Tier 1 Maximum Benefit Amount
        tier1MaximumBenefitPercent:
          type: string
          example: 60%
          description: Tier 1 Maximum Benefit Percent
        tier2MaximumBenefitAmount:
          type: string
          example: "15000"
          description: Tier 2 Maximum Benefit Amount
        tier2MaximumBenefitPercent:
          type: string
          example: 70%
          description: Tier 2 Maximum Benefit Percent
      required:
        - coverageId
        - indicatorCode
        - productCode
        - planName
        - currentAmount
        - priorCoverageAmount
        - minimumBenefitAmount
        - maximumBenefitAmount
        - grossDeathBenefitAmount
        - lowDeathBenefit
        - coverageChangeAmount
        - effectiveDate
        - coverageChangeEffectiveDate
        - terminationDate
        - currentNumberOfUnits
        - valuePerUnit
        - premiumModalFactor
        - exerciseDate
        - lifeCoverageStatus
        - claimStatus
        - nextEvaluationDate
        - paymentMode
        - maximumBenefitPercent
        - maximumPayPeriod
        - guidelineSinglePremium
        - guidelineAnnualPremium
        - sevenPayPremium
        - coverageReferenceId
        - tier1MaximumBenefitAmount
        - tier1MaximumBenefitPercent
        - tier2MaximumBenefitAmount
        - tier2MaximumBenefitPercent
```