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

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

# GuidelinePremium

## OpenAPI definition

```yaml
openapi: 3.0.0
info:
  title: Policy Service
  version: 0.0.21
servers:
  - url: https://qa.api.zinnia.io
components:
  schemas:
    DefinitionOfLifeInsurance:
      type: string
      enum:
        - GPT
        - CVAT
    GuidelinePremium:
      type: object
      properties:
        guidelinePremiumTestDate:
          type: string
          description: The Guideline Premium Test (GPT) Date refers to the last date on
            which the policy was tested to ensure compliance with the IRS`s
            Guideline Premium Test (GPT) for life insurance policies. This test
            ensures that the policy maintains its tax-advantaged status as a
            life insurance contract and does not become a Modified Endowment
            Contract (MEC).
          format: date
          example: 2023-01-01
        definitionOfLifeInsurance:
          $ref: "#/components/schemas/DefinitionOfLifeInsurance"
        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 IRS`s Guideline Premium Test (GPT). It is used
            to ensure that the policy qualifies as life insurance and maintains
            its tax-advantaged status
          format: double
          example: 65068.27
        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 IRS`s Guideline Premium Test
            (GPT). It ensures that the policy remains classified as life
            insurance and retains its tax-advantaged status
          format: double
          example: 4695.39
        guidelinePremiumLimit:
          type: number
          description: The Guideline Premium Limit represents the remaining cumulative
            amount of premium that can be paid into a life insurance policy over
            its lifetime without violating the IRS’s Guideline Premium Test
            (GPT). It helps ensure the policy maintains its tax-advantaged
            status as life insurance under Section 7702 of the Internal Revenue
            Code
          format: double
          example: 4695.39
        guidelinePremiumLimitBreached:
          type: boolean
          description: Indicates whether the policy has breached the guideline premium
            limit.
        amountExcessToGuideline:
          type: number
          description: The Amount Excess to Guideline refers to the excess premium amount
            paid into a life insurance policy beyond the IRS-imposed limits
            under the Guideline Premium Test (GPT). This excess must be
            reimbursed or adjusted to ensure the policy maintains its
            tax-advantaged status and does not become a Modified Endowment
            Contract (MEC)
          format: double
          example: 0
        totalGuidelineLevelPremiumSinceIssue:
          type: number
          description: The Total Guideline Level Premium (GLP) Since Issue refers to the
            cumulative sum of all guideline level premiums allowed from the
            policy’s issuance through the current policy anniversary date. It
            ensures that the policy remains compliant with the IRS Guideline
            Premium Test (GPT) and maintains its life insurance tax-advantaged
            status
          format: double
          example: 4695.39
```