Policy Transactions
InitialDeathClaimRequest
objectcorrelationIdstring
Unique identifier used by every system to trace the request
Example:3a2a3435-2089-4b81-9959-e0d569ccf4f0
effectiveDatestring(date)required
Date (with pattern “yyyy-mm-dd”) when the death claim transaction was originally scheduled or expected to happen. It can be a non-business day
Example:2025-12-15
transactionReasonstringrequired
Reason for the transaction
Allowed values:DEATH_NOTIFICATION
Example:DEATH_NOTIFICATION
externalIdentifiersobject
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policyobject
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partiesarray[object]required
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deathNotificationobjectrequired
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documentsarray[object]
Supporting documents associated with the death claim (e.g. certified death certificate).
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riderClaimarray[object]
Rider claims applicable to the policy. Each entry links the elected rider to the party it applies to.
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Example
FnolRequest
objectRequest 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.
correlationIdstring
Unique identifier used by every system to trace the request
Example:381ee1cc-7f34-47b1-a007-948d26b68a0f
effectiveDatestring(date)required
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).
Example:2026-07-15
transactionReasonstringrequired
Reason for the transaction
Allowed values:DEATH_NOTIFICATION
Example:DEATH_NOTIFICATION
externalIdentifiersobjectrequired
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policyobjectrequired
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partiesarray[object]required
Must include exactly one party with isNotifier=true.
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deathNotificationobjectrequired
The deceased party. dateOfDeath must not be later than notificationReceivedDate
(INVALID_DATE_OF_DEATH).
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documentsarray[object]
Supporting documents associated with the FNOL (e.g. death certificate).
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riderClaimarray[object]
Rider claims applicable to the policy. Each entry links the elected rider to the party it applies to.
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Example
DeathClaimPolicy
objectplanCodestring
Example:EVIU101
policyNumberstringrequired
Example:POL-20251215-001
productTypestringrequired
Type of product
Example:FIXEDINDEXEDANNUITY
lineOfBusinessstringrequired
Line of business
Allowed values:LIFEANNUITY
Example:LIFE
isContestableboolean
Indicates whether the policy is within the contestability period at the time of death.
Example:true
isFuneralHomeAssignedboolean
Indicates whether a funeral home has been assigned against the policy.
Example
DeathClaimParty
objectpartyIdstringrequired
Unique identifier for the party
Example:2f356dcc-303d-4fc0-94a2-5369fb62642a
partyRolestringrequired
Allowed values:INSUREDOWNERJOINTOWNERANNUITANTJOINTANNUITANTPRIMARYBENEFICIARYCONTINGENTBENEFICIARYCOVEREDINSUREDPRIMARYSERVICINGAGENTOTHER
Example:PRIMARYBENEFICIARY
partyTypestringrequired
Allowed values:INDIVIDUALORGANIZATION
Example:INDIVIDUAL
relationshipToInsuredstring
Allowed values:SPOUSECHILDPARENTSIBLINGBROTHERSISTEROTHER
Example:SPOUSE
isNotifierboolean
Indicates whether this party is the notifier of the death claim.
Example:true
personalInformationobject
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organizationDetailsobject
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trustDetailsobject
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partyCommunicationstring
Allowed values:REGULARMAILEMAILPHONE
faxNumberstring
Example:973-555-0101
identifiersarray[object]
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addressobject
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phoneNumberobject
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emailobject
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Example
OrganizationDetails
objectfullNamestring
Example:Acme Trust Company
organizationCodestring
Example:ORG-10045
entityTypestring
Allowed values:SOLEPROPRIETORSHIPGENERALPARTNERSHIPLIMITEDPARTNERSHIPCCORPORATIONSCORPORATIONLIMITEDLIABILITYCOMPANYCHARITABLEORGANIZATIONESTATETRUSTCORPORATIONINSURANCECOMPANYUNKNOWN
Example:CORPORATION
Example