Policy
objectInternal ID of the snapshot document
Example:657bddcddc353e5fc5f45acd
The transaction type of the current policy snapshot
Example:InterestCreditMatch
Policy as of effective date (with pattern “yyyy-mm-dd”).
Example:2023-01-01
The Carrier ID is a unique identifier assigned to an insurance company (carrier) that issues and underwrites a policy. It helps track, manage, and differentiate insurance providers within industry databases, regulatory systems, and digital platforms
Example:SB
Attribute name storing the policy reference id generated by RDE system
Example:563f35b74b904f87a2e3ddbde0c3c541
A Third-Party Administrator (TPA) ID is a unique identifier assigned to a third-party administrator that manages insurance policies, claims, and administrative functions on behalf of an insurance carrier. The TPA ID helps identify the organization handling policy services, claims processing, and compliance reporting
Example:tpa-12345
Policy Source refers to the origin or method by which a life insurance or annuity application was initiated and submitted, often used to identify how the policy entered the underwriting or issuance workflow. It reflects the channel, system, or direction of application flow, such as inbound or outbound underwriting
Example:Outbound
Policy Source Description provides detailed contextual information about the origin of a policy application, supplementing the high-level Policy Source value. It includes specific identifiers or descriptive data such as the underwriter’s name, referral source, agency, platform, or originating system that processed or submitted the application
Example:Underwriter name
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Banding refers to the grouping of policy coverage amounts into different tiers or “bands” that impact pricing, underwriting, and premium rates. It is commonly used in life insurance pricing models to offer lower per-unit costs for higher coverage amounts
Allowed values:NOPREMIUMBANDING
The Match Bonus Version refers to the specific version of match bonus rates applied to a policy or annuity, based on the release date of that rate structure. It ensures that the correct bonus percentage, eligibility criteria, and payout structure are applied according to the policy’s issue date and applicable rate updates
Example:2021.10.15
Qualification type of original policy being exchanged
Allowed values:INDIVIDUALRETIREMENTACCOUNTREGULARINDIVIDUALRETIREMENTACCOUNTSPOUSALINDIVIDUALRETIREMENTACCOUNTROLLOVERROTHINDIVIDUALRETIREMENTACCOUNTCUSTODIALINDIVIDUALRETIREMENTACCOUNTCUSTODIALROTHINDIVIDUALRETIREMENTACCOUNTCUSTODIALROLLOVERINDIVIDUALRETIREMENTACCOUNTQUALIFIEDNONQUALIFIEDSIMPLIFIEDEMPLOYEEPENSIONINDIVIDUALRETIREMENTACCOUNTINHERITEDINDIVIDUALRETIREMENTACCOUNTINHERITEDROTHINDIVIDUALRETIREMENTACCOUNTNONQUALIFIEDSTRETCHINDIVIDUALRETIREMENTACCOUNTSIMPLEQ403BQ401KQ401AQ457BPENSIONPLANCONVERTEDINDIVIDUALRETIREMENTACCOUNTROTH403BCUSTODIALINDIVIDUALRETIREMENTACCOUNTSIMPLIFIEDEMPLOYEEPENSIONKEOGH10CORPORATEPENSIONGROUPTAXSHELTEREDANNUITYPROFITSHARINGTARGETBENEFITCORPORATEDEFERREDCOMPENSATION404EDUCATIONALINDIVIDUALRETIREMENTACCOUNTQN457BCONVERTEDSPOUSALCUSTODIALUNIFORMGIFTSORTRANSFERSTOMINORACT
The Policy Term refers to the number of years a life insurance or annuity contract remains active under its defined premium payment structure. It can represent the fixed duration of a term policy or the maximum period for premium payments in a permanent or flexible premium plan
Example:20
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:1
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:2
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:ZH12345678
The Parent Policy Number is the unique identifier of the original or source insurance policy or contract from which the current policy has been derived, continued, or linked. It serves as a reference point for tracking policy lineage, inheritance, or transformation, and is used to establish relationships between multiple policies
Example:ZNQA12134
The unique identifier of the original policy number of a policy in the case of a conversion, replacement, exchange or reissue
Example:ZNQA12134
Allowed values:PENDINGISSUEDNOTISSUEDCANCELEDNOPREMIUMACTIVECANCELEDFREELOOKPENDINGLAPSELAPSETERMINATEDMATUREDSURRENDEREDLIVINGCLAIMPENDINGDEATHCLAIMPENDINGDEATHCLAIMPAIDNOTTAKENISSUEDPARTIALDEATHCLAIMPAYOUT
Allowed values:LEGALOPERATIONAL
Allowed values:FULLUNDERWRITINGSIMPLIFIEDGUARANTEEISSUEREDUCEDUNDERWRITINGEXPRESSUNDERWRITINGMASSUNDERWRITINGAVIATION
Allowed values:AAAEALAPAKAZARASCACOCTDCDEFLGAGUHIIDILINIAKSKYLAMEMDMAMIMNMSMOMPMTNENVNHNJNMNYNCNDOHOKORPAPRRISCSDTNTXUMUTVTVAVIWAWVWIWY
Allowed values:USDCADAUDNZDGBPEURCHFJPY
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The Fixed Cost Period refers to the initial guaranteed period (e.g., 10, 20, or 30 years) after the policy start date during which the Protection Costs (Cost of Insurance - COI) remain unchanged or are not charged. Once this period ends, the policy enters the Post Fixed Period, where costs may increase
Example:10
Allowed values:OPTIONAOPTIONBNOCOMMISSIONSTANDARDTRAIL
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Example:2023-01-01T12:00:00.000Z
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Version number
Example:1
Array of party roles
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Array of parties
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TransactionStatus
stringAllowed values:PendingCompletedFailedReversedCanceledPendingReversal
Outcome
stringAllowed values:truefalse
DisbursementPaymentForm
stringAllowed values:DTCCEFTACHCHECKWIRE
DistributionCode
stringAllowed values:DEFAULTPREMATUREDISTRIBUTIONEXCEPTIONAPPLIESDISABILITYDEATHDEATHEXCLUSIONDEATHROLLOVEREXCHANGE1035NORMALDISTRIBUTIONCOSTOFCURRENTLIFEINSURANCEPROTECTIONQUALIFIEDROLLOVERROTHDISTRIBUTIONNOEXCEPTIONQUALIFIEDLOANDISTRIBUTIONPREMATURELOANDISTRIBUTIONQUALIFIEDROTHINDIVIDUALRETIREMENTARRANGEMENTDISTRIBUTIONROTHINDIVIDUALRETIREMENTACCOUNTSDISTRIBUTIONEXCEPTIONAPPLIESEXCESSCONTRIBUTIONSPLUSEARNINGSEXCESSDEFERRALSTAXABLEIN2009NONTAXABLEEVENTGROSSPAIDTOATTORNEYOTHERINCOMENONEMPLOYEECOMPENSATIONPREMATUREEXCEPTIONROYALTIESDEATHTRANSFER4HPROHIBITEDTRANSACTIONTENYEARTAXOPTIONTRUSTEETOTRUSTEETRANSFERQUALIFIEDDOMESTICRELATIONSORDERLIKETOLIKENO1099DISTRIBUTIONSUNDEREMPLOYEEPLANSCOMPLIANCERESOLUTIONSYSTEMCHARITABLEGIFTLOANSASDISTRIBUTIONSQUALIFIEDPLANLOANOFFSETRECHARACTERIZEDINDIVIDUALRETIREMENTARRANGEMENTCURRENTYEAREXCESSCONTRIBUTION1YEARPRIORTAXRECHARACTERIZEDINDIVIDUALRETIREMENTACCOUNTSPREVIOUSYEAREARLYDISTRIBUTIONFROMSAVINGSINCENTIVEMATCHPLANFOREMPLOYEESDIRECTTRANSFEREXCESSCONTRIBUTIONSPLUSEARNINGSEXCESSDEFERRALSANDOREARNINGSTAXABLEIN2024EXCESSCONTRIBUTIONS2YEARPRIORTAXDIRECTROLLOVERQUALPLANTAXSHELTEREDANNUITYSEPARATIONFROMSERVICEINDIVIDUALRETIREMENTARRANGEMENTTOROTHINDIVIDUALRETIREMENTARRANGEMENTQUALIFIEDDOMESTICRELATIONSORDERROLLOVERTOINDIVIDUALRETIREMENTARRANGEMENT2GQUALIFIEDDOMESTICRELATIONSORDERPAYMENTTOSPOUSEFIRSTTIMEHOMEBUYERINDIVIDUALRETIREMENTARRANGEMENTONLYEDUCATIONEXPENSEMEDICALEXPENSEFEEADMINFEEASSETFEECONTRIBUTIONFEELUMPSUMDEATHFEELUMPSUMDISABILITYFEELUMPSUMPURCHASEDANNUITYFEELUMPSUMOTHERFEENEWRETIREEWITHPERPAYMENTFEEEXISTINGRETIREMENTINFORCEFEECONTRACTFEEEXISTINGRETIREMENTINCREASEFEETHIRDPARTYLUMPSUMDEATHLUMPSUMDISABILITYLUMPSUMPURCHASEDANNUITYLUMPSUMOTHERFEEINTERNATIONALPROGRAMSGROUPEXPENSEFROMFUNDRELEASERESERVEHEALTHDEDUCTIONFEEMARKETVALUEFEEANNUITYADMINISTRATIONSECTION1035EXCHANGEPARTIALQUALIFIEDDOMESTICRELATIONSORDERNORMALDISTRIBUTIONQUALIFIEDDOMESTICRELATIONSORDERSECTION1035FEELONGTERMCAREINSURANCEDESIGNATEDROTHACCOUNTDISTRIBUTIONREPORTABLEDEATHBENEFITSUNDERSECTION6050YDISTRIBUTIONOFTRADITIONALINDIVIDUALRETIREMENTARRANGEMENTASSETSNOTHAVINGAREADILYAVAILABLEFAIRMARKETVALUEDIVIDENDSDISTRIBUTEDFROMANEMPLOYEESTOCKOWNERSHIPPLANSUNDERSECTION404K