--- title: "PolicyFeatureRequest" url: "https://developers.zinnia.com/apis/policy-service-0-1-0/versions/8306e031-b41c-452a-a7ed-d73d65602086/schemas/PolicyFeatureRequest" --- > Full API specification: https://developers.zinnia.com/apis/policy-service-0-1-0/versions/8306e031-b41c-452a-a7ed-d73d65602086.md # PolicyFeatureRequest ## OpenAPI definition ```yaml openapi: 3.0.0 info: title: Policy Service version: 0.0.21 servers: - url: https://qa.api.zinnia.io components: schemas: PolicyFeature: type: object properties: featureType: $ref: "#/components/schemas/FeatureType" featureIndicator: type: boolean description: A Feature Indicator in life insurance and annuities refers to a binary flag (Yes/No, True/False, or Enabled/Disabled) that signifies whether a specific policy feature, rider, or benefit is included in the contract. It helps insurers, agents, and policyholders quickly identify which optional or standard benefits apply to a policy featureOption: type: string enum: - LIFEONLY - JOINTLIFEONLYJOINTANDSURVIVOR - PERIODCERTAIN - AMOUNTCERTAIN - LIFEWITHPERIODCERTAIN - LIFEWITHCASHREFUND - LIFEWITHINSTALLMENTREFUND - AUTOMATICPOLICYLOAN - REDUCEDPAIDUP - AGE - FACEAMOUNT - LEGAL - OPERATIONAL - COLLATERALLYASSIGNEDUNSPECIFIED - JOINTLIFEONLY - JOINTANDSURVIVOR - JOINTANDSURVIVORPERIODCERTAIN - DIVORCE - OVERPAYMENT - PAIDUPADDITION - CASH - MECRESTRICT - COMPLIANCE - JOINTLIFECASHREFUND - INTERESTONLY - JOINTLIFEINSTALLMENTREFUND description: A Feature Option in life insurance and annuities refers to the specific choices or variations available within a policy feature, allowing customization based on the policyholder’s needs reducedPaidUpFaceAmount: type: number format: double description: Reduced Paid-Up Face Amount is the new, lower death benefit that results when a policyholder elects the Reduced Paid-Up (RPU) insurance option on a permanent life insurance policy. Under this option, the policyholder uses the accumulated cash value of their policy to purchase a fully paid-up policy—meaning no further premiums are required—but with a reduced face amount compared to the original coverage example: 46.49 startDate: type: string format: date example: 2023-01-01 description: Start date of the feature endDate: type: string format: date example: 2023-01-01 description: End date of the feature status: type: boolean description: A Feature Status in life insurance and annuities indicates the current state or activation condition of a specific feature within a policy or contract. It reflects whether a feature is active, inactive, pending, or restricted, helping insurers, agents, and policyholders track policy functionality period: type: number format: int32 description: The Period of Feature in life insurance and annuities refers to the duration for which a specific feature or benefit is available, active, or applicable within a policy or contract. It defines the time frame in which a feature can be used, exercised, or remains valid example: 30 effectiveDate: type: string format: date example: 2023-01-01 description: Effective date of the feature totalRequiredAmount: type: number format: double description: The Total Minimum Required Amount refers to the lowest financial threshold needed to activate, maintain, or utilize a specific insurance or annuity feature. This can include minimum premiums, account balances, contributions, or fees necessary to keep the policy or benefit in force example: 0 totalMinimumRequiredAmount: type: number format: double description: Min (This is if Carrier Acceot Min) - This is the Amount needed to reactivate the Policy (If there is an Outstanding Loan on the Policy Min Required Loan Balance will be part of this Amount) example: 0 paymentAmount: type: number format: double description: The Payment Amount for a Feature refers to the specific cost required to activate, maintain, or utilize a particular policy feature or rider in a life insurance or annuity contract. This amount can be a one-time payment, recurring charge, or deducted from policy values depending on the feature type example: 46.49 exclusionAmount: type: number format: double description: The Fixed Exclusion Amount in the annuitization feature of an annuity refers to the portion of each annuity payment that is considered a return of the original investment (principal) and is therefore excluded from taxable income. This amount helps annuitants determine their tax liability on annuity payments example: 46.49 yearToDatePaymentAmount: type: number format: double description: The YTD Payment Amount for a Feature refers to the total amount paid or received for a specific policy feature from the beginning of the calendar year to the current date. This amount is commonly tracked for premiums, rider fees, annuity payouts, withdrawals, and other benefit-related transactions example: 46.49 exclusionRatio: type: number format: double description: The Exclusion Ratio in annuitization refers to the portion of each annuity payment that is considered a return of the original investment (principal) and is therefore excluded from taxable income. It determines how much of an annuity payment is taxable and how much is tax-free. example: 46.49 totalPaymentAmount: type: number format: double description: The Total Payment Amount of a Feature refers to the cumulative cost or sum of all payments made over time for a specific feature in a life insurance or annuity contract. This can include premiums, rider fees, annuity payouts, or benefit-related charges example: 46.49 jointLivesPercentageToSurvivor: type: number format: double description: Joint Lives % to Survivor refers to the percentage of annuity payments that continue to the surviving annuitant after one of the joint annuitants passes away. It applies to Joint & Survivor Annuities, ensuring ongoing income for the surviving spouse or beneficiary. example: 100 underwritingDecision: type: boolean description: The Reinstatement Underwriting Decision refers to the evaluation process and approval or denial of a reinstatement request for a lapsed life insurance policy or annuity contract. When a policy lapses due to non-payment, the insurer requires underwriting to determine if the policy can be reinstated based on financial, medical, and risk factors approvalDate: type: string format: date example: 2023-01-01 description: The Approval Date for a Feature refers to the official date on which an insurance company authorizes and activates a specific feature, rider, or benefit within a life insurance policy or annuity contract. This date marks when the feature becomes effective and available for use by the policyholder or annuitant featureId: type: string example: "123" description: Unique identifier of feature sub-type for "custom feature frequency: $ref: "#/components/schemas/Frequency" paymentForm: $ref: "#/components/schemas/PaymentForm" featureSubType: type: string enum: - MULTIPLEPOLICYDISCOUNT - CONTROLBUSINESSINDICATOR - RESTRICT - BROKERIDENTIFICATIONNUMBER description: Gives the sub type of the feature type "Custom Feature featureValue: type: string description: The value of the feature example: "123" periodCertainEndDate: type: string description: The Period Certain End Date for a Feature refers to the final date of a specific feature or benefit within a life insurance or annuity contract. This date marks the end of the feature`s duration and defines when it ceases to be active or available for use by the policyholder or annuitant example: 2023-01-01 format: date firstPaymentDate: type: string description: The First Payment Date for a Feature refers to the initial payment date for a specific policy feature, rider, or benefit within a life insurance policy or annuity contract. This date marks when the feature becomes effective and available for use by the policyholder or annuitant example: 2023-01-01 format: date annuitizedAmount: type: number description: The base amount used to calculate annuity payouts, as determined during annuitization format: double example: 100000 timestamp: type: string format: date-time example: 2023-01-01T12:00:00.000Z description: TBD FeatureType: type: string enum: - FREELOOK - LAPSEASSESSMENT - LAPSEPROTECTION - REINSTATEMENT - RATELOCK - ANNUITIZATION - NONFORFEITUREOPTION - CONVERSION - BILLING - CUSTOMFEATURE - SURPLUSDISTRIBUTION Frequency: type: string enum: - DAILY - EVERYTWOWEEKS - MONTHLY - SEMIANNUAL - QUARTERLY - ANNUAL - SINGLEPAYMENT PaymentForm: type: string enum: - DTCC - CREDITCARD - ACH - CHECK - WIRE - EXCHANGE - PREMIUMLOAN PolicyFeatureRequest: type: object properties: correlationId: type: string example: 657b717b7dcf554abf9ef067 description: The unique ID to track transaction request across all systems effectiveDate: type: string example: 2023-01-01 format: date description: Date (with pattern "yyyy-mm-dd") reverseInitiator: type: boolean policyFeatures: type: array items: $ref: "#/components/schemas/PolicyFeature" ```