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

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

# PartyRiderParticipant

## OpenAPI definition

```yaml
openapi: 3.0.0
info:
  title: Policy Service
  version: 0.0.21
servers:
  - url: https://uat.api.zinnia.io
components:
  schemas:
    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
    PartyRiderParticipant:
      type: object
      properties:
        partyId:
          type: string
          description: A unique identifier assigned to the party insured within the system
            who was covered under this rider
          example: Party_PI_1
        partyAgeAtIssue:
          type: number
          format: int32
          description: The age of the insured at the time the rider was issued
          example: 50
        riskClass:
          type: string
          enum:
            - ULTRANONTOBACCO
            - ELITENONTOBACCO
            - PREFERREDNONTOBACCO
            - STANDARDNONTOBACCO
            - STANDARDTOBACCO
            - STANDARDAGGREGATE
            - SUBSTANDARDNONTOBACCO
            - SUBSTANDARDTOBACCO
            - STANDARDPLUSNONTOBACCO
            - PREFERREDTOBACCO
            - STANDARDCONVERSIONTOBACCO
            - STANDARDCONVERSIONNONTOBACCO
          description: The Risk Class refers to the underwriting category assigned to an
            applicant based on their health, lifestyle, and medical history,
            which determines their premium rates for a life insurance policy.
            Insurers use risk classifications to assess mortality risk and price
            policies accordingly.
        substandardRating:
          type: string
          enum:
            - TABLEA
            - TABLEB
            - TABLEC
            - TABLED
            - TABLEE
            - TABLEF
            - TABLEG
            - TABLEH
            - TABLEI
            - TABLEJ
            - TABLEK
            - TABLEL
            - TABLEM
            - TABLEN
            - TABLEO
            - TABLEP
            - NONETABLE
          description: A Substandard Rating (also called Table Rating) is assigned to
            applicants who do not qualify for Standard or Preferred risk classes
            due to health conditions, lifestyle risks, or medical history. This
            rating results in higher premium costs because the insured presents
            a greater mortality risk.
        flatExtra:
          type: array
          items:
            $ref: "#/components/schemas/FlatExtra"
```