---
title: "FnolRequest"
url: "https://developers.zinnia.com/apis/policy-transactions-1-0-2/versions/d0006570-ab9d-464e-814f-d120ba425e84/schemas/FnolRequest"
---

> Full API specification: https://developers.zinnia.com/apis/policy-transactions-1-0-2/versions/d0006570-ab9d-464e-814f-d120ba425e84.md

# FnolRequest

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.

## 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
components:
  schemas:
    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
    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
    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"
```