--- title: "Submit First Notice of Loss (FNOL)" url: "https://developers.zinnia.com/apis/policy-transactions-1-0-2/versions/d0006570-ab9d-464e-814f-d120ba425e84/operations/submitFnol1" --- > Full API specification: https://developers.zinnia.com/apis/policy-transactions-1-0-2/versions/d0006570-ab9d-464e-814f-d120ba425e84.md # Submit First Notice of Loss (FNOL) `POST` `/policy/v1/transactions/{planCode}/{policyNumber}/fnol` Operation ID: `submitFnol1` Submits a First Notice of Loss notification for the given policy. ## Path parameters - `planCode` (string, required) - Plan Code - `policyNumber` (string, required) - Policy Number ## Request body (required) Content types: `application/json` ## Responses - `202` - Submit Transaction Successful - `400` - Invalid request body. One or more fields failed validation. - `500` - Internal server error. Please check server logs for more details. ## OpenAPI definition ```yaml openapi: 3.1.0 info: title: Zinnia Policy Transactions API. version: 1.0.9 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}/fnol: 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: Submit First Notice of Loss (FNOL) description: Submits a First Notice of Loss notification for the given policy. operationId: submitFnol1 parameters: - name: planCode in: path required: true schema: type: string description: Plan Code example: EVIU101 - name: policyNumber in: path required: true schema: type: string description: Policy Number example: EVIUL7RED022 requestBody: required: true content: application/json: schema: $ref: "#/components/schemas/FnolRequest" responses: "202": description: Submit Transaction Successful content: application/json: schema: $ref: "#/components/schemas/TransactionAcceptedResponse" examples: success: summary: Accepted FNOL submission value: correlationId: 381ee1cc-7f34-47b1-a007-948d26b68a0f caseId: CA0000369470 caseStatus: IN_PROGRESS "400": description: Invalid request body. One or more fields failed validation. content: application/json: schema: $ref: "#/components/schemas/TransactionResponse" examples: failure: $ref: "#/components/examples/failureTransactionResponse" invalidEffectiveDate: $ref: "#/components/examples/fnolInvalidEffectiveDateResponse" missingRequiredField: $ref: "#/components/examples/fnolMissingRequiredFieldResponse" "500": description: Internal server error. Please check server logs for more details. content: application/json: schema: $ref: "#/components/schemas/TransactionResponse" examples: serverError: summary: Internal server error description: > When no specific field caused the failure, omit attribute or send JSON null per schema. value: status: failure error: - errorCode: BPM.SYS.500 error: An unexpected internal server error occurred. resolution: Contact platform support with the correlationId. security: - Auth0: [] security: - Auth0: [] components: schemas: FnolRequest: type: object description: > Request payload for POST /fnol. Reuses the same party/policy/death-notification shapes as InitialDeathClaimRequest. Always creates an FNOL case; when the deceased party (deathNotification) is the Insured or Annuitant, also attempts to create an Initial Death Notification (IDN) case - unless one already exists for this policy and deceased party (any status), or the policy status isn't one of Active, Pending Lapse, Payout, Lapse, in which case no IDN case is created. required: - effectiveDate - transactionReason - externalIdentifiers - policy - parties - deathNotification properties: correlationId: type: string description: Unique identifier used by every system to trace the request example: 381ee1cc-7f34-47b1-a007-948d26b68a0f effectiveDate: type: string format: date example: 2026-07-15 description: > Date (with pattern "yyyy-mm-dd") the FNOL is effective. Must not be later than deathNotification.notificationReceivedDate (INVALID_EFFECTIVE_DATE), and must not be earlier than deathNotification.deathDetails.dateOfDeath (INVALID_EFFECTIVE_DATE). transactionReason: type: string enum: - DEATH_NOTIFICATION description: Reason for the transaction example: DEATH_NOTIFICATION externalIdentifiers: type: object properties: externalTransactionId: type: string example: EXT-TXN-20260715-001 referenceNumber: type: string example: REF-20260715-001 policy: $ref: "#/components/schemas/DeathClaimPolicy" parties: type: array description: Must include exactly one party with isNotifier=true. items: $ref: "#/components/schemas/DeathClaimParty" deathNotification: $ref: "#/components/schemas/DeathNotification" description: > The deceased party. dateOfDeath must not be later than notificationReceivedDate (INVALID_DATE_OF_DEATH). documents: type: array description: Supporting documents associated with the FNOL (e.g. death certificate). items: $ref: "#/components/schemas/DeathClaimDocument" riderClaim: type: array description: Rider claims applicable to the policy. Each entry links the elected rider to the party it applies to. items: $ref: "#/components/schemas/DeathClaimRiderClaim" TransactionAcceptedResponse: type: object properties: correlationId: type: string example: 3a2a3435-2089-4b81-9959-e0d569ccf4f0 description: Unique identifier which used by every system to trace the request caseId: type: string example: CA0000369469 description: Zinnia Live Case ID caseStatus: type: string example: IN_PROGRESS description: Zinnia Live Case Status pdfId: type: string description: Identifier for the generated or associated PDF document (e.g. OnBase document number). Returned on systematic program setup and update submit when available. example: DOC-10004567 TransactionResponse: type: object properties: status: type: string enum: - success - failure error: type: array items: $ref: "#/components/schemas/Error" quoteResponse: type: object DeathClaimPolicy: type: object required: - policyNumber - productType - lineOfBusiness properties: planCode: type: string example: EVIU101 policyNumber: type: string example: POL-20251215-001 productType: type: string description: Type of product example: FIXEDINDEXEDANNUITY lineOfBusiness: type: string enum: - LIFE - ANNUITY description: Line of business example: LIFE isContestable: type: boolean description: Indicates whether the policy is within the contestability period at the time of death. example: true isFuneralHomeAssigned: type: boolean description: Indicates whether a funeral home has been assigned against the policy. example: false DeathClaimParty: type: object required: - partyId - partyRole - partyType properties: partyId: type: string description: Unique identifier for the party example: 2f356dcc-303d-4fc0-94a2-5369fb62642a partyRole: type: string enum: - INSURED - OWNER - JOINTOWNER - ANNUITANT - JOINTANNUITANT - PRIMARYBENEFICIARY - CONTINGENTBENEFICIARY - COVEREDINSURED - PRIMARYSERVICINGAGENT - OTHER example: PRIMARYBENEFICIARY partyType: type: string enum: - INDIVIDUAL - ORGANIZATION example: INDIVIDUAL relationshipToInsured: type: string enum: - SPOUSE - CHILD - PARENT - SIBLING - BROTHER - SISTER - OTHER example: SPOUSE isNotifier: type: boolean description: Indicates whether this party is the notifier of the death claim. example: true personalInformation: $ref: "#/components/schemas/PersonalInformation" organizationDetails: $ref: "#/components/schemas/OrganizationDetails" trustDetails: $ref: "#/components/schemas/TrustDetails" partyCommunication: type: string enum: - REGULARMAIL - EMAIL - PHONE faxNumber: type: string example: 973-555-0101 identifiers: type: array items: $ref: "#/components/schemas/PartyIdentifier" address: $ref: "#/components/schemas/PartyAddress" phoneNumber: $ref: "#/components/schemas/PartyPhoneNumber" email: $ref: "#/components/schemas/PartyEmail" DeathNotification: type: object required: - partyId - notificationReceivedDate - claimStatus - deathDetails properties: partyId: type: string description: Identifier of the deceased party. Must match the partyId of one of the parties in the request. example: 2f4c4f6d-7b3e-4d0d-b9e8-8f3a4f0c2201 partyRole: type: string enum: - INSURED - OWNER - JOINTOWNER - PRIMARYBENEFICIARY - ANNUITANT - COVEREDINSURED description: Role held by the deceased party on the policy. example: INSURED notificationReceivedDate: type: string format: date example: 2025-12-15 description: Date (with pattern "yyyy-mm-dd") proofOfDeathReceived: type: boolean example: false certifiedReceivedDate: type: string format: date example: 2025-12-15 description: Date (with pattern "yyyy-mm-dd") claimStatus: type: string enum: - PENDING - APPROVED - DENIED - IN_PROGRESS example: PENDING deathDetails: $ref: "#/components/schemas/DeathDetails" DeathClaimDocument: type: object properties: documentType: type: string description: Type of the supporting document. example: DEATH_CERTIFICATE documentName: type: string description: Human-readable name of the document. example: Certified Death Certificate - John Smith documentId: type: string description: Identifier of the document in the Enterprise Document Store (EDS). example: EDS-DOC-987654321 DeathClaimRiderClaim: type: object properties: riderCode: type: string description: Code identifying the rider on the policy. example: CHILD_TERM riderName: type: string description: Display name of the rider. example: Child Term Rider riderElected: type: boolean description: Whether the rider was elected on the policy. example: true partyId: type: string description: Identifier of the party the rider claim applies to. Must match the partyId of one of the parties in the request. example: 4a2d8c01-9a1d-4f35-8f0b-3e6d3b7d3301 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 PersonalInformation: type: object properties: firstName: type: string example: Jane middleName: type: string example: Marie lastName: type: string example: Smith suffix: type: string example: Jr. prefix: type: string example: Ms. dateOfBirth: type: string format: date example: 1990-01-01 description: Date (with pattern "yyyy-mm-dd") gender: type: string enum: - MALE - FEMALE - OTHER birthSex: type: string enum: - MALE - FEMALE birthCountry: type: string example: US citizenCountry: type: string example: US OrganizationDetails: type: object properties: fullName: type: string example: Acme Trust Company organizationCode: type: string example: ORG-10045 entityType: type: string enum: - SOLEPROPRIETORSHIP - GENERALPARTNERSHIP - LIMITEDPARTNERSHIP - CCORPORATION - SCORPORATION - LIMITEDLIABILITYCOMPANY - CHARITABLEORGANIZATION - ESTATE - TRUST - CORPORATION - INSURANCECOMPANY - UNKNOWN example: CORPORATION TrustDetails: type: object properties: trustName: type: string example: The Smith Family Trust trustType: type: string enum: - TESTAMENTARYTRUST - INTERVIVOSTRUST - INDIVIDUALTRUST - CORPORATETRUST - GRANTORTRUST - PETTRUST example: TESTAMENTARYTRUST trustDate: type: string format: date example: 2025-12-15 description: Date (with pattern "yyyy-mm-dd") trustTitle: type: string example: Trustee governingStateOfTrust: type: string example: NJ PartyIdentifier: type: object properties: type: type: string enum: - SSN - EIN - TIN value: type: string example: 123-45-6789 description: type: string example: Social Security Number source: type: string example: SSA issueDate: type: string format: date example: 2015-01-01 description: Date (with pattern "yyyy-mm-dd") expirationDate: type: string format: date nullable: true example: 2070-01-01 description: Date (with pattern "yyyy-mm-dd") status: type: string enum: - ACTIVE - INACTIVE example: ACTIVE countryOfIssue: type: string example: US PartyAddress: type: object properties: preferredAddressId: type: string example: "1" addresses: type: array items: $ref: "#/components/schemas/AddressDetail" PartyPhoneNumber: type: object properties: preferredPhoneId: type: string example: "1" phones: type: array items: $ref: "#/components/schemas/PhoneDetail" PartyEmail: type: object properties: preferredEmailId: type: string example: "1" emails: type: array items: $ref: "#/components/schemas/EmailDetail" DeathDetails: type: object properties: dateOfDeath: type: string format: date example: 2025-12-15 description: Date (with pattern "yyyy-mm-dd") locationOfDeath: type: string example: Newark, NJ countryOfDeath: type: string enum: - US - CA - RU - EG - ZA - GR - NL - BE - FR - ES - HU - IT - RO - CH - AT - GB - DK - SE - NO - PL - DE - PE - MX - CU - AR - BR - CL - CO - VE - MY - AU - ID - PH - NZ - SG - TH - JP - VN - CN - TR - IN - PK - AF - LK - IR - MA - DZ - TN - LY - GM - SN - MR - ML - GN - BF - NE - TG - BJ - MU - LR - SL - GH - NG - CF - TD - CM - CV - ST - GQ - GA - BS - AO - BB - AX - SD - RW - ET - SO - DJ - KE - TZ - UG - BI - MZ - ZM - MG - RE - ZW - NA - MW - LS - BW - AG - KM - GW - CD - VG - SH - AW - FO - GL - KY - GI - PT - LU - IE - IS - AL - MT - CY - FI - BG - GG - LT - LV - EE - MD - AM - BY - AD - SM - UA - HR - SI - BA - MK - XK - CZ - SK - LI - BM - GD - FK - BZ - GT - SV - HN - NI - CR - PM - HT - PR - VI - GS - SX - BQ - GP - BO - GY - EC - GF - PY - MQ - SR - UY - AN - TC - BL - MF - MS - GU - AQ - BN - NR - PG - TO - SB - VU - FJ - WF - CK - NU - AS - KI - NC - TV - PF - MP - PW - MH - FM - SS - LC - DM - VC - DO - HK - MO - KH - LA - TT - KN - JM - BD - TW - MM - KR - KP - LB - JO - SY - IQ - KW - SA - YE - OM - AE - IL - BH - QA - BT - NP - TJ - TM - AZ - GE - UZ - AI - PA - CI - ER - KZ - KG - CC - MN - BV - SC - IO - WS - TL - TF - YT - PN - SJ - TK - UM - EH - MV - CX - NF - CW - CG - MC - VA - SZ - PS - JE - IM - RS - ME - HM description: Abbreviated names for countries causeOfDeath: type: string enum: - NATURALDEATH - ACCIDENT - SUICIDE - HOMICIDE - PENDINGINVESTIGATION - UNKNOWN description: Manner or cause of the death, when known. example: NATURALDEATH AddressDetail: type: object properties: addressId: type: string example: "1" startDate: type: string format: date example: 2026-05-13 description: Date (with pattern "yyyy-mm-dd") endDate: type: string format: date nullable: true description: Date (with pattern "yyyy-mm-dd"). Omit or send JSON null when not applicable. addressType: type: string enum: - RESIDENCE - MAILING - BUSINESS - OTHER - SEASONAL example: RESIDENCE addressLine1: type: string example: 1112 Pickle Street addressLine2: type: string example: South Jersey addressLine3: type: string example: 1234 Post box city: type: string example: Garden City state: type: string enum: - AL - AK - AZ - AR - CA - CO - CT - DC - DE - FL - GA - HI - ID - IL - IN - IA - KS - KY - LA - ME - MD - MA - MI - MN - MS - MO - MT - NE - NV - NH - NJ - NM - NY - NC - ND - OH - OK - OR - PA - RI - SC - SD - TN - TX - UT - VT - VA - WA - WV - WI - WY description: Abbreviated names for states zipCode: type: string example: "67846" zipCodeExtension: type: string example: "23" country: type: string enum: - US - CA - RU - EG - ZA - GR - NL - BE - FR - ES - HU - IT - RO - CH - AT - GB - DK - SE - NO - PL - DE - PE - MX - CU - AR - BR - CL - CO - VE - MY - AU - ID - PH - NZ - SG - TH - JP - VN - CN - TR - IN - PK - AF - LK - IR - MA - DZ - TN - LY - GM - SN - MR - ML - GN - BF - NE - TG - BJ - MU - LR - SL - GH - NG - CF - TD - CM - CV - ST - GQ - GA - BS - AO - BB - AX - SD - RW - ET - SO - DJ - KE - TZ - UG - BI - MZ - ZM - MG - RE - ZW - NA - MW - LS - BW - AG - KM - GW - CD - VG - SH - AW - FO - GL - KY - GI - PT - LU - IE - IS - AL - MT - CY - FI - BG - GG - LT - LV - EE - MD - AM - BY - AD - SM - UA - HR - SI - BA - MK - XK - CZ - SK - LI - BM - GD - FK - BZ - GT - SV - HN - NI - CR - PM - HT - PR - VI - GS - SX - BQ - GP - BO - GY - EC - GF - PY - MQ - SR - UY - AN - TC - BL - MF - MS - GU - AQ - BN - NR - PG - TO - SB - VU - FJ - WF - CK - NU - AS - KI - NC - TV - PF - MP - PW - MH - FM - SS - LC - DM - VC - DO - HK - MO - KH - LA - TT - KN - JM - BD - TW - MM - KR - KP - LB - JO - SY - IQ - KW - SA - YE - OM - AE - IL - BH - QA - BT - NP - TJ - TM - AZ - GE - UZ - AI - PA - CI - ER - KZ - KG - CC - MN - BV - SC - IO - WS - TL - TF - YT - PN - SJ - TK - UM - EH - MV - CX - NF - CW - CG - MC - VA - SZ - PS - JE - IM - RS - ME - HM description: Abbreviated names for countries isPreferred: type: boolean example: true PhoneDetail: type: object properties: phoneId: type: string example: "1" startDate: type: string format: date example: 2026-05-13 description: Date (with pattern "yyyy-mm-dd") endDate: type: string format: date nullable: true description: Date (with pattern "yyyy-mm-dd"). Omit or send JSON null when not applicable. phoneType: type: string enum: - MOBILE - HOME - WORK example: MOBILE countryCode: type: string example: "1" areaCode: type: string example: "973" dialNumber: type: string example: "7657890" extension: type: string nullable: true description: Omit or send JSON null when not applicable. bestTime: type: string nullable: true description: Omit or send JSON null when not applicable. timezone: type: string nullable: true description: Omit or send JSON null when not applicable. isPreferred: type: boolean example: true EmailDetail: type: object properties: emailId: type: string example: "1" startDate: type: string format: date example: 2026-05-13 description: Date (with pattern "yyyy-mm-dd") endDate: type: string format: date nullable: true description: Date (with pattern "yyyy-mm-dd"). Omit or send JSON null when not applicable. emailType: type: string enum: - PERSONAL - WORK - BUSINESS - CUSTOMERSERVICE - OTHER example: PERSONAL emailAddress: type: string format: email example: informant@example.com description: Type of the email. PERSONAL for personal emails, BUSINESS for business emails, CUSTOMERSERVICE for customer service emails, OTHER for any other type of emails. isPreferred: type: boolean example: true examples: 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. fnolInvalidEffectiveDateResponse: summary: effectiveDate is later than notificationReceivedDate value: status: failure validationResult: - errorCode: INVALID_EFFECTIVE_DATE attribute: effectiveDate error: Effective Date cannot be later than Notification Date. fnolMissingRequiredFieldResponse: summary: One or more required fields are missing value: status: failure validationResult: - errorCode: MISSING_REQUIRED_FIELD error: A required field is missing from the FNOL request. policy.isFuneralHomeAssigned, deathNotification.partyId securitySchemes: Auth0: type: openIdConnect openIdConnectUrl: https://login.dev.zinnia.com/.well-known/openid-configuration x-kong-security-openid-connect: config: run_on_preflight: true scopes_claim: - https://dev.api.zinnia.io/permissions audience_claim: - aud audience_required: - https://dev.api.zinnia.io client_id: - client_id auth_methods: - bearer enabled: true protocols: - grpc - grpcs - http - https ```