planCodestringrequired
The plan code for the policy
Example:planCode
policyNumberstringrequired
The policy number
Example:policyNumber
Submit reinstatement transaction request
Submits a policy reinstatement transaction request
post
Path Parameters
Body
application/json
Body
application/json
ReinstatementSubmitRequest
correlationIdstringrequired
The unique ID to track transaction request across all systems
Example:657b717b7dcf554abf9ef067
effectiveDatestring(date)required
Date when the transaction was originally scheduled or expected to happen. It can be a non-business day
Example:2023-01-01
reverseInitiatorboolean
Property to isolate source transaction(s) that initiated the reversal
Default:false
policyobjectrequired
Policy information
Show Child Parameters
transactionAmountsobjectrequired
Transaction amounts information
Show Child Parameters
systematicProgramobjectrequired
Systematic program information
Show Child Parameters
caseIdstringrequired
Zinnia Live Case ID
Example:CA0000007389
Response
application/json
Response
application/json
Success
TransactionAcceptedResponse
correlationIdstring
Unique identifier which used by every system to trace the request
Example:3a2a3435-2089-4b81-9959-e0d569ccf4f0
caseIdstring
Zinnia Live Case ID
Example:CA0000369469
caseStatusstring
Zinnia Live Case Status
Example:IN_PROGRESS
post/policy/v1/transactions/{planCode}/{policyNumber}/reinstatement
Authentication
Path Parameters
Body
{
"correlationId": "657b717b7dcf554abf9ef067",
"effectiveDate": "2023-01-01",
"policy": {},
"transactionAmounts": {},
"systematicProgram": {},
"caseId": "CA0000007389"
}{
"correlationId": "657b717b7dcf554abf9ef067",
"effectiveDate": "2023-01-01",
"policy": {},
"transactionAmounts": {},
"systematicProgram": {},
"caseId": "CA0000007389"
}
curl --request POST \
--url https://dev.api.zinnia.io/policy/v1/transactions/planCode/policyNumber/reinstatement \
--header 'Accept: application/json' \
--header 'Content-Type: application/json' \
--data '{
"correlationId": "657b717b7dcf554abf9ef067",
"effectiveDate": "2023-01-01",
"policy": {},
"transactionAmounts": {},
"systematicProgram": {},
"caseId": "CA0000007389"
}' application/json
{
"correlationId": "3a2a3435-2089-4b81-9959-e0d569ccf4f0",
"caseId": "CA0000369469",
"caseStatus": "IN_PROGRESS"
}Get reinstatement quote
Retrieves a quote for policy reinstatement
post
Path Parameters
planCodestringrequired
The plan code for the policy
Example:planCode
policyNumberstringrequired
The policy number
Example:policyNumber
Body
application/json
Body
application/json
ReinstatementRequestQuote
correlationIdstringrequired
Correlation ID for tracking the request
Example:string
effectiveDatestring(date)required
Effective date for the quote
Example:2025-09-18
reverseInitiatorboolean
Reverse initiator flag
externalIdentifiersarray[object]
Show Child Parameters
policyobjectrequired
Policy information for quote
Show Child Parameters
Response
application/json
Response
application/json
Success
ReinstatementQuoteResponse
correlationIdstring
Correlation ID from the request
Example:string
policyobject
Complete policy information with quote details
Show Child Parameters
post/policy/v1/transactions/{planCode}/{policyNumber}/reinstatement/quote
Authentication
Path Parameters
Body
{
"correlationId": "string",
"effectiveDate": "2025-09-18",
"policy": {}
}{
"correlationId": "string",
"effectiveDate": "2025-09-18",
"policy": {}
}
curl --request POST \
--url https://dev.api.zinnia.io/policy/v1/transactions/planCode/policyNumber/reinstatement/quote \
--header 'Accept: application/json' \
--header 'Content-Type: application/json' \
--data '{
"correlationId": "string",
"effectiveDate": "2025-09-18",
"policy": {}
}' application/json
{
"correlationId": "string",
"policy": {
"effectiveDate": "2025-09-23",
"coverage": {
"totalCoverageAmount": 0,
"cumulativeGrossDeathBenefitAmount": 0,
"netDeathBenefit": 0,
"remainingDeathBenefitAmount": 0,
"minimumCoverageAmount": 0,
"maximumCoverageAmount": 0,
"coverageChangeEffectiveDate": "2025-09-23",
"coverageBand": "BAND1",
"maximumAnnualCoverageChangeAllowedPerPolicy": 0,
"minimumCoverageDecreaseAmount": 0,
"maximumCoverageDecreaseAmount": 0,
"maximumAgeNumberCoverageAmountDecrease": 0,
"coverageAmountDecreaseAllowed": 0,
"minimumCoverageIncreaseAmount": 0,
"maximumCoverageIncreaseAmount": 0,
"maximumAgeNumberCoverageAmountIncrease": 0,
"coverageAmountIncreaseAllowed": 0,
"coverageLayers": [
{
"coverageParticipants": [
{
"flatExtra": [
{
"flatExtraType": "TEMPORARY",
"flatExtraDuration": 0,
"flatExtraAmount": 0,
"flatExtraStartDate": "2025-09-23"
}
],
"partyId": "string",
"issueAge": 0,
"partyAgeAtIssue": 0,
"riskClass": "ULTRANONTOBACCO",
"substandardRating": "TABLEA"
}
],
"coverageId": "string",
"coverageType": "BASE",
"coverageName": "string",
"productCode": "string",
"coverageTerm": 0,
"approvedCoverageAmount": 0,
"currentAmount": 0,
"originalCoverageAmount": 0,
"minimumCoverageAmount": 0,
"maximumCoverageAmount": 0,
"grossDeathBenefitAmount": 0,
"lowDeathBenefitAmount": 0,
"coverageChangeAmount": 0,
"coverageEffectiveDate": "2025-09-23",
"coverageChangeEffectiveDate": "2025-09-23",
"coverageTerminationDate": "2025-09-23",
"unitOfCoverage": 0,
"valuePerUnitOfCoverage": 0,
"guidelineSinglePremium": 0,
"guidelineLevelPremium": 0,
"sevenPayPremium": 0,
"modalPremium": 0,
"coverageTargetPremium": 0,
"annualPremium": 0
}
]
},
"riders": [
{
"type": "BASE",
"riderName": "string",
"riderElected": "string",
"riderCode": "string",
"remainingBenefit": 0,
"additionalBenefitUsedUp": true,
"totalBenefit": 0,
"payoutOption": "SINGLE",
"benefitPercent": 0,
"annualBenefitLimit": 0,
"currentAnnualLimit": 0,
"remainingAnnualLimit": 0,
"hypotheticalAnnualLimit": 0,
"effectiveDate": "2025-09-23",
"exerciseDate": "2025-09-23",
"terminationDate": "2025-09-23",
"lastResetDate": "2025-09-23",
"phase": "ACCUMULATION",
"status": "ACTIVE",
"base": {
"currentBase": 0,
"ratchetBase": 0,
"growthBase": 0,
"deferralBonus": 0,
"deferralBonusBase": 0,
"simpleInterestBase": 0
},
"amount": 0,
"charge": {
"riderExerciseCharge": 0,
"riderExerciseChargeRate": 0
},
"maximumChronicIllnessBenefitPercentage": 0,
"maximumPeriodicPaymentPeriod": 0,
"claimStatus": true,
"nextEvaluationDate": "2025-09-23",
"riderPaymentDate": "2025-09-23",
"terminalRiderPaymentAmount": 0,
"qualifiedAdditionalBenefit": true,
"underwritingStatus": "BASE",
"unbornChildIndicator": true
}
],
"systematicPrograms": [
{
"arrangementType": "PAYMENT",
"arrangementId": "string",
"externalArrangementId": "string",
"allocationOptionType": "PRORATA",
"reason": "PREMIUM",
"numberOfOccurrence": 0,
"disbursementType": "GROSS",
"status": "ACTIVE",
"paymentForm": "DTCC",
"frequency": "DAILY",
"requestedDate": "2025-09-23",
"startDate": "2025-09-23",
"endDate": "2025-09-23",
"amountType": "AMOUNT",
"amount": 0
}
],
"policyFeatures": [
{
"reducedPaidUpFaceAmount": 0,
"featureType": "FREELOOK",
"featureIndicator": true,
"featureOption": "LIFEONLY",
"startDate": "2025-09-23",
"endDate": "2025-09-23",
"status": true,
"period": 0,
"effectiveDate": "2025-09-23",
"totalRequiredAmount": 0,
"totalMinimumRequiredAmount": 0,
"paymentAmount": 0,
"exclusionAmount": 0,
"yearToDatePaymentAmount": 0,
"exclusionRatio": 0,
"totalPaymentAmount": 0,
"underwritingDecision": true,
"approvalDate": "2025-09-23",
"jointLivesPercentageToSurvivor": 0,
"frequency": "DAILY",
"paymentForm": "DTCC",
"featureId": "string",
"featureSubType": "MULTIPLEPOLICYDISCOUNT"
}
],
"id": "string",
"event": "string",
"carrierId": "string",
"policyReferenceId": "string",
"thirdPartyAdministratorId": "string",
"commissionOption": "OPTIONA",
"policySource": "string",
"policySourceDescription": "string",
"product": {
"lineOfBusiness": "LIFE",
"planName": "string",
"productType": "WHOLELIFE",
"marketingName": "string",
"shortName": "string",
"distribution": "WIREHOUSE",
"planCode": "string",
"generalLedgerPlanCode": "string",
"holdingForm": "INDIVIDUAL",
"renewable": "string",
"productVersion": "string"
},
"policyTerm": 0,
"policyYear": 0,
"monthOfYear": 0,
"policyNumber": "string",
"policyStatus": "PENDINGISSUED",
"restrictStatus": "LEGAL",
"issueType": "FULLUNDERWRITING",
"parentPolicyNumber": "string",
"priorPolicyNumber": "string",
"issueState": "AA",
"currency": "USD",
"fixedCostPeriod": 0,
"discountType": "POLICYFEE",
"policyDates": {
"policyStartDate": "2025-09-23",
"applicationDate": "2025-09-23",
"issueDate": "2025-09-23",
"maturityDate": "2025-09-23",
"nextAnniversaryDate": "2025-09-23"
},
"accountValues": {
"beginningAccountValue": 0,
"endingAccountValue": 0,
"surrenderValue": 0,
"cumulativePremiumSinceIssue": 0,
"annualTargetPremium": 0
},
"loanValues": {
"totalLoanBalance": 0,
"totalLoanPrincipal": 0,
"loanPayoffAmount": 0,
"maximumLoanAmount": 0
},
"timestamp": "2025-09-23T03:02:45.838Z",
"version": 0,
"deathBenefit": {
"deathBenefitOption": "LEVEL",
"deathBenefitOptionEffectiveDate": "2025-09-23",
"claimStatus": "APPROVED",
"proofOfDeathReceived": true
},
"charges": [
{
"chargeType": "COSTOFINSURANCE",
"coverageId": "string",
"currentMonthCharge": 0,
"uncollectedPerCharge": 0,
"cumulativePerCharge": 0
}
]
}
}Validate Systematic Program Update Transaction
post
Path Parameters
planCodestringrequired
policyNumberstringrequired
arrangementIdstringrequired
arrangementId is the unique id for the systematic programs available in the policy
Example:Arr_1
Body
application/json
Body
application/json
SystematicProgramUpdateRequest
correlationIdstring
The unique ID to track transaction request across all systems
Example:657b717b7dcf554abf9ef067
effectiveDatestring(date)required
Date (with pattern “yyyy-mm-dd”) when the transaction was originally scheduled or expected to happen, can be a non-business day
Match pattern:([0-9]{4})-([0-9]{2})-([0-9]{2})
reverseInitiatorboolean
Property to isolate source transaction(s) that initiated the reversal
systematicProgramobjectrequired
Show Child Parameters
caseIdstring
Zinnia Live Case ID
Example:CA0000007389
externalTransactionIdstring
Transaction ID from external system
Example:A12345
Response
application/json
Response
application/json
Success
TransactionResponse
statusstring
Allowed values:successfailure
errorarray[object]
Show Child Parameters
quoteResponseobject
post/policy/v1/transactions/{planCode}/{policyNumber}/systematicprograms/{arrangementId}/validation
Authentication
Path Parameters
Body
{
"effectiveDate": "effectiveDate",
"systematicProgram": {
"paymentForm": "DTCC",
"arrangementType": "PAYMENT"
}
}{
"effectiveDate": "effectiveDate",
"systematicProgram": {
"paymentForm": "DTCC",
"arrangementType": "PAYMENT"
}
}
curl --request POST \
--url https://dev.api.zinnia.io/policy/v1/transactions///systematicprograms/Arr_1/validation \
--header 'Accept: application/json' \
--header 'Content-Type: application/json' \
--data '{
"effectiveDate": "effectiveDate",
"systematicProgram": {
"paymentForm": "DTCC",
"arrangementType": "PAYMENT"
}
}' application/json
{
"status": "success"
}Submit Systematic Program Update Transaction
put
Path Parameters
planCodestringrequired
policyNumberstringrequired
arrangementIdstringrequired
arrangementId is the unique id for the systematic programs available in the policy
Example:Arr_1
Body
application/json
Body
application/json
SystematicProgramUpdateRequest
correlationIdstring
The unique ID to track transaction request across all systems
Example:657b717b7dcf554abf9ef067
effectiveDatestring(date)required
Date (with pattern “yyyy-mm-dd”) when the transaction was originally scheduled or expected to happen, can be a non-business day
Match pattern:([0-9]{4})-([0-9]{2})-([0-9]{2})
reverseInitiatorboolean
Property to isolate source transaction(s) that initiated the reversal
systematicProgramobjectrequired
Show Child Parameters
caseIdstring
Zinnia Live Case ID
Example:CA0000007389
externalTransactionIdstring
Transaction ID from external system
Example:A12345
Response
application/json
Response
application/json
Success
TransactionAcceptedResponse
correlationIdstring
Unique identifier which used by every system to trace the request
Example:3a2a3435-2089-4b81-9959-e0d569ccf4f0
caseIdstring
Zinnia Live Case ID
Example:CA0000369469
caseStatusstring
Zinnia Live Case Status
Example:IN_PROGRESS
put/policy/v1/transactions/{planCode}/{policyNumber}/systematicprograms/{arrangementId}
Authentication
Path Parameters
Body
{
"effectiveDate": "effectiveDate",
"systematicProgram": {
"paymentForm": "DTCC",
"arrangementType": "PAYMENT"
}
}{
"effectiveDate": "effectiveDate",
"systematicProgram": {
"paymentForm": "DTCC",
"arrangementType": "PAYMENT"
}
}
curl --request PUT \
--url https://dev.api.zinnia.io/policy/v1/transactions///systematicprograms/Arr_1 \
--header 'Accept: application/json' \
--header 'Content-Type: application/json' \
--data '{
"effectiveDate": "effectiveDate",
"systematicProgram": {
"paymentForm": "DTCC",
"arrangementType": "PAYMENT"
}
}' application/json
{
"correlationId": "3a2a3435-2089-4b81-9959-e0d569ccf4f0",
"caseId": "CA0000369469",
"caseStatus": "IN_PROGRESS"
}EligibilityCheck Systematic Program Update Transaction
post
Path Parameters
planCodestringrequired
policyNumberstringrequired
arrangementIdstringrequired
arrangementId is the unique id for the systematic programs available in the policy
Example:Arr_1
Response
application/json
Response
application/json
Eligibility Check Success Response
TransactionResponse
statusstring
Allowed values:successfailure
errorarray[object]
Show Child Parameters
quoteResponseobject
post/policy/v1/transactions/{planCode}/{policyNumber}/systematicprograms/{arrangementId}/eligibilitycheck
Authentication
Path Parameters
curl --request POST \
--url https://dev.api.zinnia.io/policy/v1/transactions///systematicprograms/Arr_1/eligibilitycheck \
--header 'Accept: application/json' \
--header 'Content-Type: application/json' application/json
{
"status": "success",
"quoteResponse": {
"status": "Success",
"message": "Request successful",
"data": {
"correlationId": "657b717dcf55411abf9ef067",
"transactionAmounts": {
"requestedAmount": 25,
"calculatedAmount": null,
"appliedAmount": 25
},
"policy": {
"id": "659fdafc075b950b7bd00feb",
"event": "InterestCreditMatch",
"carrierID": "SB",
"tpaID": "tpa-12345",
"lineOfBusiness": "LIFE",
"planName": "SB UL Premium Match",
"productType": "UNIVERSALLIFE",
"marketingName": "Everly Life",
"shortName": "SB UL",
"distribution": "THIRDPARTYDIRECTTOCONSUMER",
"banding": "NOPREMIUMBANDING",
"planCode": "SBFIXUL1",
"glPlanCode": "V2201",
"holdingForm": "INDIVIDUAL",
"renewable": null,
"qualificationType": "NONQUALIFIED",
"policyTerm": 20,
"policyYear": 1,
"monthOfYear": 1,
"policyNumber": "BPM0000001",
"policyStatus": "ACTIVE",
"nonforfeitureOption": null,
"issueType": "FULLUNDERWRITING",
"residenceState": "VT",
"issueState": "VT",
"premiumFrequency": "MONTHLY",
"currency": "USD",
"policyStartDate": "2023-12-27",
"applicationDate": "2023-12-27",
"issueDate": "2023-12-27",
"effectiveDate": "2024-01-11T00:00:00.000Z",
"contestabilityStartDate": "2023-12-27",
"contestabilityEndDate": "2025-12-26",
"policyDeliveryDate": "2023-12-27",
"previousPolicyAnniversaryDate": "2023-12-27",
"previousPolicyMonthiversaryDate": "2023-12-27",
"nextAnniversaryDate": "2024-12-27",
"maturityDate": "2125-12-26",
"policyTerminationDate": null,
"dateOfDeath": null,
"initialPaymentExpiryDate": "2024-01-10",
"nextMonthivesaryDate": "2024-01-27",
"costBasis": 105,
"costBasisDate": "2024-11-04",
"conversionDate": null,
"policyValues": {
"beginningAcctValue": 35.759837,
"endingAcctValue": 60.759837,
"minRequiredAcctValue": 0,
"acctValueByPolicyYear": 0,
"unloanedPortionOfAcctValue": 60.759837,
"loanedPortionOfAcctValue": 0,
"surrenderValue": 60.759837,
"netAmountAtRisk": 499920,
"initialPremiumRequestAmount": 80,
"initialPremiumAppliedAmount": 80,
"initialPaymentAmountReceivedDate": "2023-12-27",
"cumulativePremSinceIssue": 105,
"totalYTDPremiumAmount": 105,
"mecAuthorization": false,
"projectedLapseIndicator": null,
"policyGainAmount": 0
},
"loanValues": {
"totalLoanBalance": 0,
"totalLoanPrincipal": 0,
"loanPayoffAmount": 0,
"maxLoanAmount": 60.759837,
"minLoanAmount": 0,
"totalLoanAccruedInterest": 0,
"lastLoanInterestDueDate": null,
"totalNumberOfLoan": 0,
"loanInterestMethod": "ARREARS",
"totalYTDLoanTaken": 0,
"loanRepaymentType": null,
"minLoanRepayment": 1
},
"withDrawalValues": {
"totalWithdrawalAmount": 0,
"freeWithdrawalAmount": null,
"minWithdrawalAmount": 1,
"maxWithdrawalAmount": 60.759837,
"annualWithLimNoCovDecrease": null,
"maxWithdrawalRequestDuringVestingPeriod": 1,
"maxWithdrawalRequestAfterVestingPeriod": 12,
"totalYTDWithdrawalTaken": 0,
"numberOfWithdrawal": 0,
"withdrawalAllowedStartDate": "2023-12-27"
},
"testValues": {
"guidelinePremiumTestDate": "2024-11-04",
"definitionOfLifeInsurance": "GPT",
"guidelineSinglePremium": 68933.997746,
"guidelineLevelPremium": 5122.813261,
"amountExcessToGuideline": 0,
"totalGuidelineLevelPremiumSinceIssue": 5122.813261,
"mecTestDate": "2024-11-04",
"amountExcessToMEC": 0,
"mecStatusDate": null,
"mecStatus": false,
"sevenPayTestBasis": 185,
"sevenPayPremium": 25074.702628,
"sevenPayStartDate": "2023-12-27",
"sevenPayPeriod": "2030-12-26",
"sevenPayLimit": 25074.702628,
"yearInPeriod": 1
},
"timestamp": "2024-01-11T12:11:40.723Z",
"deathBenefit": {
"deathBenefitOption": "LEVEL",
"dboEffectiveDate": "2023-12-27",
"dboChangedEffectiveDate": null,
"deathBenefitAgeGuarantee": 38
},
"coverage": {
"id": null,
"policyDetailsId": null,
"ledgerDocId": null,
"timestamp": "2024-01-11T12:11:40.731Z",
"totalCoverageAmount": 500000,
"cumGrossDeathBenefitAmount": 500000,
"minCoverageAmount": 10000,
"maxCoverageAmount": 10000000,
"coverageChangeEffectiveDate": "2024-12-27",
"coverageBand": "BAND3",
"maxAnnualCoverageChangeAllowedPerPolicy": 1,
"minCoverageDecreaseAmount": 10000,
"maxCoverageDecreaseAmount": 490000,
"maxAgeNoCovAmountDecrease": 120,
"coverageAmountDecreaseAllowed": 1,
"minCoverageIncreaseAmount": 1,
"maxCoverageIncreaseAmount": 9500000,
"maxAgeNoCovAmountIncrease": 50,
"coverageAmountIncreaseAllowed": 1,
"coverageLayers": [
{
"coverageID": "Base_Coverage",
"coverageType": "Base",
"coverageName": "SB UL Premium Match",
"productCode": "SBFIXUL1",
"currentAmount": 500000,
"orignalCoverageAmount": 500000,
"minCoverageAmount": 10000,
"maxCoverageAmount": 10000000,
"grossDeathBenefitAmount": 500000,
"lowDeathBenefitAmount": 500000,
"coverageChangeAmount": 0,
"coverageEffectiveDate": "2023-12-27",
"coverageChangeEffectiveDate": null,
"coverageTerminationDate": null,
"unitOfCoverage": 500,
"valuePerUnitOfCoverage": 1000,
"premiumFrequency": null,
"guidelineSinglePremium": 68933.997746,
"guidelineLevelPremium": 5122.813261,
"sevenPayPremium": 25074.702628,
"coverageParticipants": [
{
"partyID": "Party_PI_1",
"issueAge": 18,
"riskClass": "Standard Tobacco",
"subStandardRating": "None",
"flatExtra": [
{
"flatExtraType": null,
"flatExtraDuration": 0,
"flatExtraAmount": 0,
"flatExtraStartDate": null
}
]
}
]
},
{
"coverageID": "Rider_SBLCHR",
"coverageType": "RIDER",
"coverageName": "Chronic Illness Accelerated Death Benefit Rider",
"productCode": "SBLCHR",
"currentAmount": null,
"orignalCoverageAmount": null,
"minCoverageAmount": null,
"maxCoverageAmount": null,
"grossDeathBenefitAmount": null,
"lowDeathBenefitAmount": null,
"coverageChangeAmount": 0,
"coverageEffectiveDate": "2023-12-27",
"coverageChangeEffectiveDate": null,
"coverageTerminationDate": "2125-12-26",
"unitOfCoverage": null,
"valuePerUnitOfCoverage": null,
"premiumFrequency": null,
"guidelineSinglePremium": null,
"guidelineLevelPremium": null,
"sevenPayPremium": null,
"coverageParticipants": [
{
"partyID": "Party_PI_1",
"issueAge": 18,
"riskClass": null,
"subStandardRating": null,
"flatExtra": []
}
]
},
{
"coverageID": "Rider_SBLCRI",
"coverageType": "RIDER",
"coverageName": "Critical Illness Accelerated Death Benefit Rider",
"productCode": "SBLCRI",
"currentAmount": null,
"orignalCoverageAmount": null,
"minCoverageAmount": null,
"maxCoverageAmount": null,
"grossDeathBenefitAmount": null,
"lowDeathBenefitAmount": null,
"coverageChangeAmount": 0,
"coverageEffectiveDate": "2023-12-27",
"coverageChangeEffectiveDate": null,
"coverageTerminationDate": "2125-12-26",
"unitOfCoverage": null,
"valuePerUnitOfCoverage": null,
"premiumFrequency": null,
"guidelineSinglePremium": null,
"guidelineLevelPremium": null,
"sevenPayPremium": null,
"coverageParticipants": [
{
"partyID": "Party_PI_1",
"issueAge": 18,
"riskClass": null,
"subStandardRating": null,
"flatExtra": []
}
]
},
{
"coverageID": "Rider_SBLTRM",
"coverageType": "RIDER",
"coverageName": "Terminal Illness Accelerated Death Benefit Rider",
"productCode": "SBLTRM",
"currentAmount": null,
"orignalCoverageAmount": null,
"minCoverageAmount": null,
"maxCoverageAmount": null,
"grossDeathBenefitAmount": null,
"lowDeathBenefitAmount": null,
"coverageChangeAmount": 0,
"coverageEffectiveDate": "2023-12-27",
"coverageChangeEffectiveDate": null,
"coverageTerminationDate": "2125-12-26",
"unitOfCoverage": null,
"valuePerUnitOfCoverage": null,
"premiumFrequency": null,
"guidelineSinglePremium": null,
"guidelineLevelPremium": null,
"sevenPayPremium": null,
"coverageParticipants": [
{
"partyID": "Party_PI_1",
"issueAge": 18,
"riskClass": null,
"subStandardRating": null,
"flatExtra": []
}
]
},
{
"coverageID": "Rider_OPR",
"coverageType": "RIDER",
"coverageName": "Overloan Protection Rider",
"productCode": "SBLOPR",
"currentAmount": null,
"orignalCoverageAmount": null,
"minCoverageAmount": null,
"maxCoverageAmount": null,
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