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

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

# Participant

## OpenAPI definition

```yaml
openapi: 3.0.0
info:
  title: Policy Service
  version: 0.0.21
servers:
  - url: https://qa.api.zinnia.io
components:
  schemas:
    ParticipantAttributes:
      type: object
      properties:
        partyId:
          type: string
          example: PARTY123
          description: Party ID is a unique identifier assigned to a party (individual or
            entity) involved in an insurance or annuity contract. This
            identifier helps ensure accurate data exchange and tracking across
            insurance transactions
        issueAge:
          type: string
          example: "30"
          description: Issue Age
        underwritingClass:
          type: string
          example: Preferred
          enum:
            - Preferred
            - Standard
          description: Underwriting Class
        temporaryTableRating:
          type: string
          example: Table A
          description: Temporary Table Rating
      required:
        - partyId
        - issueAge
        - temporaryTableRating
    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
    Participant:
      type: object
      properties:
        attributes:
          $ref: "#/components/schemas/ParticipantAttributes"
        flatExtra:
          type: array
          items:
            $ref: "#/components/schemas/FlatExtra"
      required:
        - attributes
        - flatExtra
```