--- title: "Eligibility Check Partial Withdrawal One Time" url: "https://developers.zinnia.com/apis/policy-transactions-1-0-2/versions/d0006570-ab9d-464e-814f-d120ba425e84/operations/partialWithdrawalOneTimeEligibilityCheck1" --- > Full API specification: https://developers.zinnia.com/apis/policy-transactions-1-0-2/versions/d0006570-ab9d-464e-814f-d120ba425e84.md # Eligibility Check Partial Withdrawal One Time `POST` `/policy/v1/transactions/{planCode}/{policyNumber}/partialwithdrawalonetime/eligibilitycheck` Operation ID: `partialWithdrawalOneTimeEligibilityCheck1` ## Path parameters - `planCode` (string, required) - `policyNumber` (string, required) ## Request body Content types: `application/json` ## Responses - `200` - Parital Withdrawal Success Response - `400` - Parital Withdrawal Failure Response - `500` - Unexpected error occured, please check server log ## OpenAPI definition ```yaml openapi: 3.1.0 info: title: Zinnia Policy Transactions API. version: 1.0.8 servers: - url: https://dev.api.zinnia.io description: DEV Environment - url: https://qa.api.zinnia.io description: QA Environment paths: /policy/v1/transactions/{planCode}/{policyNumber}/partialwithdrawalonetime/eligibilitycheck: post: x-kong-plugin-pre-function: config: access: - > local path = kong.request.get_path() local new_path = path:gsub("^/policy/v1/transactions", "/bpm/v1/policies") kong.service.request.set_path(new_path) tags: - Financial Transactions summary: Eligibility Check Partial Withdrawal One Time operationId: partialWithdrawalOneTimeEligibilityCheck1 parameters: - name: planCode in: path required: true schema: type: string - name: policyNumber in: path required: true schema: type: string requestBody: content: application/json: schema: $ref: "#/components/schemas/PartialWithdrawalOneTimeRequest" responses: "200": description: Parital Withdrawal Success Response content: application/json: schema: $ref: "#/components/schemas/TransactionResponse" examples: success: $ref: "#/components/examples/successTransactionResponse" "400": description: Parital Withdrawal Failure Response content: application/json: schema: $ref: "#/components/schemas/TransactionResponse" examples: failure: $ref: "#/components/examples/failureTransactionResponse" "500": description: Unexpected error occured, please check server log security: - Auth0: [] security: - Auth0: [] components: schemas: PartialWithdrawalOneTimeRequest: type: object description: Partial withdrawal one-time transaction request including transaction amounts, fund allocation, parties, tax withholding, and signatures. allOf: - $ref: "#/components/schemas/PartialWithdrawalOneTime" properties: caseId: type: string example: CA0000007389 description: Zinnia Live Case ID override: type: boolean description: BPM will have to override the rules if this variable is marked as true TransactionResponse: type: object properties: status: type: string enum: - success - failure error: type: array items: $ref: "#/components/schemas/Error" quoteResponse: type: object PartialWithdrawalOneTime: type: object description: Request body for partial withdrawal one-time eligibility, validation, and submit endpoints. properties: correlationId: type: string example: test-112132141 description: The unique ID to track transaction request across all systems effectiveDate: type: string format: date example: 2026-03-17 description: Date when the transaction was originally scheduled or expected to happen. It can be a non-business day reverseInitiator: type: boolean description: Property to isolate source transaction(s) that initiated the reversal default: false selfServeFlow: type: boolean description: Whether the request originated from a self-serve flow example: false transactionType: $ref: "#/components/schemas/PartialWithdrawalTransactionType" externalIdentifiers: $ref: "#/components/schemas/PartialWithdrawalExternalIdentifiers" transactionReason: $ref: "#/components/schemas/PartialWithdrawalTransactionReason" transactionAmounts: $ref: "#/components/schemas/PartialWithdrawal.TransactionAmounts" fundAllocation: $ref: "#/components/schemas/PartialWithdrawalFundAllocation" taxWithholdingInstructions: type: array items: $ref: "#/components/schemas/PartialWithdrawalTaxWithholdingInstruction" fundDistributions: type: array items: $ref: "#/components/schemas/PartialWithdrawalFundDistribution" parties: type: array items: $ref: "#/components/schemas/PartialWithdrawalParty" charges: type: array items: $ref: "#/components/schemas/PartialWithdrawalCharge" suppression: type: array items: $ref: "#/components/schemas/PartialWithdrawalSuppression" signatures: type: array items: $ref: "#/components/schemas/PartialWithdrawalSignature" required: - effectiveDate - transactionAmounts - fundAllocation - parties Error: type: object properties: errorCode: type: string example: BPM.NM.002 description: This is the NIGO id generated by BPM system attribute: type: string error: type: string description: This is the error generated by BPM system resolution: type: string description: Resolution generated by BPM system to resolve the error PartialWithdrawalTransactionType: type: string enum: - PARTIAL_WITHDRAWAL description: Transaction type for partial withdrawal one-time requests example: PARTIAL_WITHDRAWAL PartialWithdrawalExternalIdentifiers: type: object properties: externalTransactionId: type: string description: The unique ID to identify transaction on carrier side example: "14141414" referenceNumber: type: string description: The unique payment reference number for all premium-related transactions by carrier example: "141414141" PartialWithdrawalTransactionReason: type: string enum: - ONETIMEPREMIUM - GRACEPERIODPREMIUM - REINSTATEMENTPREMIUM - EXCHANGE1035 - SURRENDER - AMOUNTEXCESSTOMEC - AMOUNTEXCESSTOGUIDELINE - CURRENTVALUE - COSTBASIS - GUIDELINESINGLEPREMIUM - GUIDELINELEVELPREMIUM - SEVENPAYPREMIUM - TOTALYTDPREMIUMAMOUNT - FACEDECREASECOVERAGE - INITIALPREMIUMEXPIRATION - COMPLIANCE - NOTRANSACTIONREASON - STARTINGPRICE - LUMPSUM - FIVEYEARDEFERRAL - SPOUSALCONTINUATION - DISCOUNT - CONTROLBUSINESSINDICATOR - NATIONALCHANGEOFADDRESS - DATEOFDEATH - INITIALDEATHNOTIFICATION - PRODUCTDEFAULT - AMOUNT - GWBRIDERDISBURSEMENT - GWBPHASECHANGE - FREQUENCY - PREMIUMLOAN - PAYMENTDUEDATE description: Reason for the partial withdrawal one-time transaction example: ONETIMEPREMIUM PartialWithdrawal.TransactionAmounts: type: object properties: requestedAmount: type: number format: double example: 1000 amountType: $ref: "#/components/schemas/PartialWithdrawalAmountType" disbursementType: $ref: "#/components/schemas/PartialWithdrawalDisbursementType" distributionCode: $ref: "#/components/schemas/PartialWithdrawalDistributionCode" disbursementPaymentForm: $ref: "#/components/schemas/PartialWithdrawalDisbursementPaymentForm" accountNumber: type: string example: "11434552525" participantId: type: string example: "1236" withdrawalReason: $ref: "#/components/schemas/PartialWithdrawalWithdrawalReason" severanceDate: type: string format: date example: 2026-03-17 firstRothIRADate: type: string format: date example: 2026-03-17 hardshipType: $ref: "#/components/schemas/PartialWithdrawalHardshipType" emergencyType: $ref: "#/components/schemas/PartialWithdrawalEmergencyType" required: - requestedAmount - amountType - disbursementType PartialWithdrawalFundAllocation: type: object properties: allocationOption: $ref: "#/components/schemas/PartialWithdrawalAllocationOption" required: - allocationOption PartialWithdrawalTaxWithholdingInstruction: type: object properties: partyId: type: string example: "2314134" description: Impacted party for tax withholding taxWithholdingType: $ref: "#/components/schemas/TaxWithholdingType" partyRole: $ref: "#/components/schemas/PartialWithdrawalPartyRole" taxRateToUse: $ref: "#/components/schemas/TaxRateToUse" filingStatus: $ref: "#/components/schemas/PartialWithdrawalFilingStatus" dollar: type: number format: double example: 0 percentage: type: number format: double example: 0 exemptions: type: number format: int32 example: 0 taxJurisdiction: type: string example: string contribution: $ref: "#/components/schemas/PartialWithdrawalW4rContribution" w4r: $ref: "#/components/schemas/PartialWithdrawalW4r" taxFormType: $ref: "#/components/schemas/PartialWithdrawalTaxFormType" required: - partyId - taxWithholdingType PartialWithdrawalFundDistribution: type: object properties: fundId: type: string example: "1231414" fundName: type: string example: Fixed distributionAmountType: $ref: "#/components/schemas/PartialWithdrawalDistributionAmountType" totalFundValue: type: number format: double example: 10000 requestedAmount: type: number format: double example: 1000 fundDistributionSegments: type: array items: $ref: "#/components/schemas/PartialWithdrawalFundDistributionSegment" PartialWithdrawalParty: type: object properties: partyId: type: string example: 134535214eedf32412 addressId: type: string example: 134535214eedf32412 bankId: type: string example: "1232423525" partyRole: $ref: "#/components/schemas/PartialWithdrawalPartyRole" partyType: $ref: "#/components/schemas/PartialWithdrawalPartyType" paymentForm: $ref: "#/components/schemas/PaymentForm" allocationPercentage: type: number format: double example: 100 forBenefitOfOrForFurtherCredit: type: string example: ABCD relationshipToOwner: type: string example: string preferredContactMethod: $ref: "#/components/schemas/PartialWithdrawalPreferredContactMethod" personalInformation: $ref: "#/components/schemas/PartialWithdrawalPersonalInformation" organisationDetails: $ref: "#/components/schemas/PartialWithdrawalOrganisationDetails" phones: type: array items: $ref: "#/components/schemas/PartialWithdrawalPhone" emails: type: array items: $ref: "#/components/schemas/PartialWithdrawalEmail" addresses: type: array items: $ref: "#/components/schemas/PartialWithdrawalAddress" overnightCheckInfo: $ref: "#/components/schemas/PartialWithdrawalOvernightCheckInfo" identifications: type: array items: $ref: "#/components/schemas/PartialWithdrawalIdentification" bankDetails: $ref: "#/components/schemas/PartialWithdrawalBankDetails" required: - partyId - partyRole - paymentForm - allocationPercentage PartialWithdrawalCharge: type: object properties: partyId: type: string example: Party_PI_1 chargeType: $ref: "#/components/schemas/PartialWithdrawalChargeType" chargeWaiverIndicator: $ref: "#/components/schemas/PartialWithdrawalChargeWaiverIndicator" chargeWaiverReason: type: string example: Client Approved PartialWithdrawalSuppression: type: object properties: suppressionType: $ref: "#/components/schemas/PartialWithdrawalSuppressionType" suppressionReason: type: string example: Client Approved PartialWithdrawalSignature: type: object properties: signType: type: string example: OWNER description: Signature type code signDate: type: string format: date example: 2026-07-10 signDesignation: type: string example: Executor isSignedPresent: type: boolean example: true PartialWithdrawalAmountType: type: string enum: - AMOUNT - PERCENTAGE - FREEWITHDRAWALAMOUNT - EARNINGSONLY - MAX - MODIFIEDEARNINGSONLY - WITHDRAWALUNTILBASIS - PERCENTAGEOFACCOUNTVALUE example: AMOUNT PartialWithdrawalDisbursementType: type: string enum: - GROSS - NET - NETBEFORETAX example: GROSS PartialWithdrawalDistributionCode: type: string enum: - CHARITABLEGIFT example: CHARITABLEGIFT PartialWithdrawalDisbursementPaymentForm: type: string enum: - CHECK - WIRE - DTCC - ACH - OVERNIGHTCHECK example: CHECK PartialWithdrawalWithdrawalReason: type: string enum: - NORMALDISTRIBUTION - PREMATUREDISTRIBUTION - DISABILITY - SEPARATIONFROMEMPLOYMENT - UNFORESEEABLEEMERGENCY - INSERVICEDISTRIBUTION - HARDSHIP - DEATH example: NORMALDISTRIBUTION PartialWithdrawalHardshipType: type: string enum: - MEDICAL - HOMEPURCHASE - EDUCATION - EVICTIONPREVENTION - FUNERAL - DISASTER - OTHER example: MEDICAL PartialWithdrawalEmergencyType: type: string enum: - MEDICAL - CASUALTYLOSS - OTHERUNFORESEEABLEEMERGENCY example: MEDICAL PartialWithdrawalAllocationOption: type: string enum: - DEFAULT - FIXEDPRORATA - VARIABLEPRORATA - PRORATA - SPECIFIEDFUNDS - SPECIFIEDSEGMENTS description: Defines how funds are removed for the partial withdrawal example: PRORATA TaxWithholdingType: type: string enum: - FEDERAL - STATE - NRA - BACKUP PartialWithdrawalPartyRole: type: string enum: - OWNER - PRIMARYBENEFICIARY - CONTINGENTBENEFICIARY - INSURED - PAYOR - PAYEE - AGENT - CARRIER - THIRDPARTYDESIGNEE - THIRDPARTYADMINISTRATOR - JOINTOWNER - COVERAGEINSURED - COVERAGEJOINTINSURED - ASSIGNEE - PRIMARYWRITINGAGENT - PRIMARYSERVICINGAGENT - ADDITIONALSERVICINGAGENT - ADDITIONALWRITINGAGENT - ANNUITANT - EXCHANGECOMPANY - JOINTANNUITANT - GRANTOR - TRUSTEE - POWEROFATTORNEY - AUTHORIZEDSIGNATORY - OTHERINTERESTEDPARTY - CONTINGENTOWNER - SUCCESSORTRUSTEE example: OWNER TaxRateToUse: type: string enum: - NOWITHHOLDINGELECTED - USEVALUESENTERED - NOWITHHOLDINGALLOWED - USEDEFAULTTABLE - ADDITIONALWITHHOLDING description: How tax rate should be applied for withholding PartialWithdrawalFilingStatus: type: string enum: - SINGLE - MARRIED - DEFAULT - DOMESTICPARTNER - DOMESTICPARTNERSHIP - HEADOFHOUSEHOLD - MARRIEDFILINGSEPARATELY - WIDOWED - DIVORCED description: Filing status for partial withdrawal tax withholding example: MARRIED PartialWithdrawalW4rContribution: type: string enum: - NOTAPPLICABLE example: NOTAPPLICABLE PartialWithdrawalW4r: type: object properties: filingStatus: $ref: "#/components/schemas/PartialWithdrawalFilingStatus" dollar: type: number format: double example: 0 percentage: type: number format: double example: 0 exemptions: type: number format: int32 example: 0 PartialWithdrawalTaxFormType: type: string enum: - T1035COSTBASIS example: T1035COSTBASIS PartialWithdrawalDistributionAmountType: type: string enum: - PERCENTAGE - AMOUNT - UNIT example: AMOUNT PartialWithdrawalFundDistributionSegment: type: object properties: segmentId: type: string example: "1231414" currentAmount: type: number format: double example: 10000 requestedAmount: type: number format: double example: 1000 PartialWithdrawalPartyType: type: string enum: - INDIVIDUAL - ORGANIZATION example: INDIVIDUAL PaymentForm: type: string enum: - DTCC - CREDITCARD - ACH - CHECK - WIRE - EXCHANGE - EFT description: Mode of payment PartialWithdrawalPreferredContactMethod: type: string enum: - MAIL - PHONE - EMAIL example: MAIL PartialWithdrawalPersonalInformation: type: object properties: prefix: $ref: "#/components/schemas/PartialWithdrawalNamePrefix" suffix: $ref: "#/components/schemas/PartialWithdrawalNameSuffix" firstName: type: string example: Jordan middleName: type: string nullable: true lastName: type: string example: Taylor fullName: type: string example: Jordan Taylor gender: $ref: "#/components/schemas/PartialWithdrawalGender" dateOfBirth: type: string format: date example: 1987-11-03 birthCountry: type: string example: US citizenshipCountry: type: string example: US birthState: type: string example: CA PartialWithdrawalOrganisationDetails: type: object properties: fullName: type: string example: xyz organizationCode: type: string example: 76A entityType: $ref: "#/components/schemas/PartialWithdrawalEntityType" trustDate: type: string format: date nullable: true trustType: $ref: "#/components/schemas/PartialWithdrawalTrustType" trustTitle: type: string example: TrustTitle PartialWithdrawalPhone: type: object properties: startDate: type: string format: date example: 2023-01-01 endDate: type: string format: date example: 2023-01-01 phoneType: $ref: "#/components/schemas/PartialWithdrawalPhoneType" countryCode: type: string example: "9" areaCode: type: string example: "973" dialNumber: type: string example: "765789" extension: type: string nullable: true bestTime: type: string nullable: true timezone: type: string nullable: true isPreferred: type: boolean example: false phoneId: type: string example: "1" PartialWithdrawalEmail: type: object properties: startDate: type: string format: date example: 2023-01-01 endDate: type: string format: date example: 2023-01-01 emailType: $ref: "#/components/schemas/PartialWithdrawalEmailType" emailAddress: type: string format: email example: user@example.com isPreferred: type: boolean example: false emailId: type: string example: "1" PartialWithdrawalAddress: type: object properties: addressId: type: string example: 134535214eedf32412 addressType: $ref: "#/components/schemas/PartialWithdrawalAddressType" line1: type: string example: 123 Main St line2: type: string example: Apt 5B line3: type: string nullable: true city: type: string example: San Francisco state: type: string example: CA postalCode: type: string example: "94105" postalCodeExtension: type: string example: "1234" country: type: string example: US PartialWithdrawalOvernightCheckInfo: type: object properties: accountType: $ref: "#/components/schemas/PartialWithdrawalOvernightAccountType" accountName: type: string example: Security Benefit accountNumber: type: string example: "11434552525" PartialWithdrawalIdentification: type: object properties: identificationType: $ref: "#/components/schemas/PartialWithdrawalIdentificationType" identificationValue: type: string example: 123-45-6789 issueState: type: string example: CA issueCountry: type: string example: US expirationDate: type: string format: date example: 2035-12-31 PartialWithdrawalBankDetails: type: object properties: bankId: type: string example: "1232423525" nameOnAccount: type: string example: Alex J Taylor accountStatus: $ref: "#/components/schemas/PartialWithdrawalBankAccountStatus" accountType: $ref: "#/components/schemas/PartialWithdrawalBankAccountType" accountNumber: type: string example: "000111222333" routingNumber: type: string example: "121000358" ibanNumber: type: string nullable: true financialInstitutionName: type: string example: Acme Bank branchName: type: string nullable: true bankAccountPurpose: $ref: "#/components/schemas/PartialWithdrawalBankAccountPurpose" address: $ref: "#/components/schemas/PartialWithdrawalAddress" PartialWithdrawalChargeType: type: string enum: - COSTOFINSURANCE - EXPENSECHARGE - UNITEXPENSECHARGE - RIDERCHARGE - SURRENDERCHARGE - WITHDRAWALCHARGE - PREMIUMTAX - MARKETVALUEADJUSTMENT - OVERNIGHTMAIL - WIRE - PAYMENTCHARGE - COVERAGECHARGE - COVERAGECREDIT example: WITHDRAWALCHARGE PartialWithdrawalChargeWaiverIndicator: type: string enum: - YES - NO example: YES PartialWithdrawalSuppressionType: type: string enum: - CORRESPONDENCE - TAX - DISBURSEMENT - COMMISSION example: CORRESPONDENCE PartialWithdrawalNamePrefix: type: string enum: - MR - MS - MISS - DR - MRS example: MR PartialWithdrawalNameSuffix: type: string enum: - JR - SR - I - II - III - IV - V - VI - VII example: JR PartialWithdrawalGender: type: string enum: - FEMALE - MALE - OTHER example: FEMALE PartialWithdrawalEntityType: type: string enum: - SOLEPROPRIETORSHIP - GENERALPARTNERSHIP - LIMITEDPARTNERSHIP - SCORPORATION - CCORPORATION - LIMITEDLIABILITYCOMPANY - CHARITABLEORGANIZATION - ESTATE - TRUST - CORPORATION - UNKNOWN example: CORPORATION PartialWithdrawalTrustType: type: string enum: - INDIVIDUALTRUST - CORPORATETRUST - TESTAMENTARYTRUST - INTERVIVOSTRUST - GRANTORTRUST - PETTRUST example: INDIVIDUALTRUST PartialWithdrawalPhoneType: type: string enum: - MOBILE - HOME - BUSINESS - CLAIMCENTER - CUSTOMERSERVICE - CORPORATEOFFICE - FAX - UNKNOWN - OTHER example: MOBILE PartialWithdrawalEmailType: type: string enum: - PERSONAL - BUSINESS - CUSTOMERSERVICE - OTHER example: PERSONAL PartialWithdrawalAddressType: type: string enum: - RESIDENCE - BUSINESS - POBOX - SEASONAL - SECONDARY - MAILING example: RESIDENCE PartialWithdrawalOvernightAccountType: type: string enum: - USPS - FEDEX - UPS - DHL example: USPS PartialWithdrawalIdentificationType: type: string enum: - SSN - EIN - TIN - DRIVERSLICENSE - PASSPORT example: SSN PartialWithdrawalBankAccountStatus: type: string enum: - ACTIVEBANKACCOUNT - TERMINATEDBANKACCOUNT example: ACTIVEBANKACCOUNT PartialWithdrawalBankAccountType: type: string enum: - CHECKING - SAVINGS - CREDITCARD - DEBITCARD - BROKERAGEACCOUNT - CERTIFICATEOFDEPOSIT - WIRE example: CHECKING PartialWithdrawalBankAccountPurpose: type: string enum: - LOANINTERESTBILLING - DISBURSEMENTS - LOANPRINCIPALBILLING - PREMIUMBILLING - ONETIMEPREMIUMBILLING - PAYOUT - ONETIMEWIRE example: DISBURSEMENTS examples: successTransactionResponse: value: 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 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: [] version: 1 riders: - id: null policyDetailsId: null ledgerDocId: null timestamp: 2024-01-11T12:11:40.729Z type: RIDER riderName: Chronic Illness Accelerated Death Benefit Rider riderElected: ELECTED riderCode: SBLCHR effectiveDate: 2023-12-27 terminationDate: 2125-12-26 status: ACTIVE coverageID: Rider_SBLCHR amount: null riderParticipant: - insuredID: Party_PI_1 insuredAgeAtIssue: 18 charge: chargeID: null value: null effectiveRate: null nextEvaluationDate: null riderExerciseCharge: null maxChronicIllnessBenefitPct: 50 maxPeriodicPaymentPeriod: 120 claimStatus: null riderExerciseChargeRate: null nextEvaluationDate: null riderPaymentDate: null riderPaymentAmount: null paymentMode: null paymentOption: null maxCriticalIllnessBenefitPct: null t1MaxCriticalIllnessBenefitPct: null t1MaxCriticalIllnessBenefitAmount: null t2MaxCriticalIllnessBenefitPct: null t2MaxCriticalIllnessBenefitAmount: null t1CriticalRiderPaymentDate: null t1CriticalRiderPaymentAmount: null t2CriticalRiderPaymentDate: null t2CriticalRiderPaymentAmount: null terminalRiderPaymentAmount: null version: 1 - id: null policyDetailsId: null ledgerDocId: null timestamp: 2024-01-11T12:11:40.729Z type: RIDER riderName: Critical Illness Accelerated Death Benefit Rider riderElected: ELECTED riderCode: SBLCRI effectiveDate: 2023-12-27 terminationDate: 2125-12-26 status: ACTIVE coverageID: Rider_SBLCRI amount: null riderParticipant: - insuredID: Party_PI_1 insuredAgeAtIssue: 18 charge: chargeID: null value: null effectiveRate: null nextEvaluationDate: null riderExerciseCharge: null maxChronicIllnessBenefitPct: null maxPeriodicPaymentPeriod: null claimStatus: null riderExerciseChargeRate: null nextEvaluationDate: null riderPaymentDate: null riderPaymentAmount: null paymentMode: null paymentOption: null maxCriticalIllnessBenefitPct: 50 t1MaxCriticalIllnessBenefitPct: 5 t1MaxCriticalIllnessBenefitAmount: 5000 t2MaxCriticalIllnessBenefitPct: 50 t2MaxCriticalIllnessBenefitAmount: 500000 t1CriticalRiderPaymentDate: null t1CriticalRiderPaymentAmount: null t2CriticalRiderPaymentDate: null t2CriticalRiderPaymentAmount: null terminalRiderPaymentAmount: null version: 1 - id: null policyDetailsId: null ledgerDocId: null timestamp: 2024-01-11T12:11:40.729Z type: RIDER riderName: Overloan Protection Rider riderElected: ELECTED riderCode: SBLOPR effectiveDate: 2023-12-27 terminationDate: 2125-12-26 status: ACTIVE coverageID: Rider_SBLOPR amount: null riderParticipant: - insuredID: Party_PI_1 insuredAgeAtIssue: 18 charge: chargeID: null value: null effectiveRate: null nextEvaluationDate: null riderExerciseCharge: null maxChronicIllnessBenefitPct: null maxPeriodicPaymentPeriod: null claimStatus: null riderExerciseChargeRate: null nextEvaluationDate: null riderPaymentDate: null riderPaymentAmount: null paymentMode: null paymentOption: null maxCriticalIllnessBenefitPct: null t1MaxCriticalIllnessBenefitPct: null t1MaxCriticalIllnessBenefitAmount: null t2MaxCriticalIllnessBenefitPct: null t2MaxCriticalIllnessBenefitAmount: null t1CriticalRiderPaymentDate: null t1CriticalRiderPaymentAmount: null t2CriticalRiderPaymentDate: null t2CriticalRiderPaymentAmount: null terminalRiderPaymentAmount: null version: 1 - id: null policyDetailsId: null ledgerDocId: null timestamp: 2024-01-11T12:11:40.729Z type: RIDER riderName: Terminal Illness Accelerated Death Benefit Rider riderElected: ELECTED riderCode: SBLTRM effectiveDate: 2023-12-27 terminationDate: 2125-12-26 status: ACTIVE coverageID: Rider_SBLTRM amount: null riderParticipant: - insuredID: Party_PI_1 insuredAgeAtIssue: 18 charge: chargeID: null value: null effectiveRate: null nextEvaluationDate: null riderExerciseCharge: null maxChronicIllnessBenefitPct: null maxPeriodicPaymentPeriod: null claimStatus: null riderExerciseChargeRate: null nextEvaluationDate: null riderPaymentDate: null riderPaymentAmount: null paymentMode: null paymentOption: null maxCriticalIllnessBenefitPct: null t1MaxCriticalIllnessBenefitPct: null t1MaxCriticalIllnessBenefitAmount: null t2MaxCriticalIllnessBenefitPct: null t2MaxCriticalIllnessBenefitAmount: null t1CriticalRiderPaymentDate: null t1CriticalRiderPaymentAmount: null t2CriticalRiderPaymentDate: null t2CriticalRiderPaymentAmount: null terminalRiderPaymentAmount: null version: 1 systematicPrograms: - id: null policyDetailsId: null ledgerDocId: null timestamp: 2024-01-11T12:11:40.730Z arrType: PAYMENT arrangementID: Arr_1 allocationOptionType: DOLLAR reason: PREMIUMREASON numberOfOccurrence: null loanRepaymentType: null disbursementType: null status: ACTIVE paymentForm: EFT frequency: MONTHLY requestedDate: 2023-12-27 startDate: 2024-01-27 endDate: 2043-11-27 lastActivityDate: 2023-12-27 nextActivityDate: 2024-01-27 amountType: AMOUNT amount: 80 payors: - partyRole: Payee partyID: Party_PI_1 bankId: Bank_1 percentage: 100 payees: null version: 1 policyFeatures: - id: null policyDetailsId: null ledgerDocId: null timestamp: 2024-01-11T12:11:40.733Z featureType: freeLook startDate: null endDate: 2024-01-26 status: null period: 30 effectiveDate: null totalRequiredAmount: null totalMinimumRequiredAmount: null paymentAmount: null totalPaymentAmount: null uwDecision: null approvalDate: null version: 1 - id: null policyDetailsId: null ledgerDocId: null timestamp: 2024-01-11T12:11:40.733Z featureType: lapseAssessment startDate: null endDate: null status: false period: null effectiveDate: null totalRequiredAmount: null totalMinimumRequiredAmount: null paymentAmount: null totalPaymentAmount: null uwDecision: null approvalDate: null version: 1 - id: null policyDetailsId: null ledgerDocId: null timestamp: 2024-01-11T12:11:40.733Z featureType: lapseProtection startDate: 2023-12-27 endDate: 2043-12-26 status: null period: 20 effectiveDate: null totalRequiredAmount: null totalMinimumRequiredAmount: null paymentAmount: 51.78 totalPaymentAmount: 51.78 uwDecision: null approvalDate: null version: 1 - id: null policyDetailsId: null ledgerDocId: null timestamp: 2024-01-11T12:11:40.733Z featureType: reinstatement startDate: null endDate: null status: null period: null effectiveDate: null totalRequiredAmount: null totalMinimumRequiredAmount: null paymentAmount: null totalPaymentAmount: null uwDecision: null approvalDate: null version: 1 allocation: id: null policyDetailsId: null ledgerDocId: null timestamp: 2024-01-11T12:11:40.732Z investmentType: INVESTMENTFUND modelName: null modelID: null fundAllocationsInvestments: - fundID: FundAccount1 fundName: Everly Fixed Fund UL2 fundAccountType: null allocPercent: 100 startDate: 2023-12-27 endDate: null funds: - fundAccountType: null fundID: FundAccount1 fundName: Fixed Fund glFundCode: V2201 totalFundValue: 60.759837 fundSegments: - segmentID: "1" fundID: null originalDepositAmount: 80 originalDepositDate: 2023-12-27 depositDate: 2024-11-04 depositAmount: 25 currentAmount: 60.759837 renewalDate: null numberOfUnits: null sweepAccountID: null startDate: 2023-12-27 endDate: null matchSegment: segmentID: Match1 matchAccountValue: 1.05129 cumulativeMatchPaymentAmount: 1.05 ytdMatchValue: 1.05 maxLifeTimeVestingAmount: 500 maxAnnVestingAmount: 500 minPaymentsForMatch: 0 matchVestingDate: 2034-12-26 glFundCode: V2201 vestingPeriod: 10 loanSegments: [] version: 1 version: 40 error: null failureTransactionResponse: value: status: failure validationResult: - errorCode: BPM.NM.005 attribute: null error: Amount request is invalid. resolution: Please check the One Time Premium Amount and submit the request again. - errorCode: BPM.NM.003 attribute: null error: Party information does not match with information in the Zahara system. resolution: Please validate the party information and submit the request again. securitySchemes: Auth0: type: openIdConnect openIdConnectUrl: https://login.qa.zinnia.com/.well-known/openid-configuration x-kong-security-openid-connect: config: run_on_preflight: true scopes_claim: - https://qa.api.zinnia.io/permissions audience_claim: - aud audience_required: - https://qa.api.zinnia.io client_id: - client_id auth_methods: - bearer enabled: true protocols: - grpc - grpcs - http - https ```