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

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

# PolicyCoverageChangesUnderwriting

Underwriting decision evaluated for this policy update, present when an underwriting case was evaluated

## 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:
    PolicyCoverageChangesRiskClass:
      type: string
      enum:
        - ULTRANONTOBACCO
        - ELITENONTOBACCO
        - PREFERREDNONTOBACCO
        - STANDARDNONTOBACCO
        - STANDARDTOBACCO
        - STANDARDAGGREGATE
        - SUBSTANDARDNONTOBACCO
        - SUBSTANDARDTOBACCO
        - STANDARDPLUSNONTOBACCO
        - PREFERREDTOBACCO
        - STANDARDCONVERSIONNONTOBACCO
        - STANDARDCONVERSIONTOBACCO
      description: Risk classification assessed by underwriting
      example: ULTRANONTOBACCO
    PolicyCoverageChangesUnderwritingRider:
      type: object
      properties:
        type:
          $ref: "#/components/schemas/PolicyCoverageChangesRiderType"
        approvedRiderFaceAmountMaximum:
          type: number
          format: double
          description: Maximum face amount approved for the rider
          example: 100000
    PolicyCoverageChangesExclusionReview:
      type: object
      properties:
        description:
          type: string
          description: Description of the exclusion reviewed
          example: Aviation Activities
        reasonCode:
          type: string
          enum:
            - AVIATION
            - AVOCATION
            - MILITARY
            - OTHER
          description: Coded reason for the exclusion reviewed
          example: AVIATION
    PolicyCoverageChangesRiderType:
      type: string
      enum:
        - Rider_OWP
        - Rider_ABRTRM
        - Rider_CTR
        - Rider_ABRCHR
        - Rider_ADR
        - Rider_WPR
        - Rider_CGR
        - Rider_GIBR
        - Rider_OPR
        - Rider_OWDR
        - Rider_WDR
        - Rider_NHR
        - Rider_ABRCRI
      description: Rider product/plan code
      example: Rider_ABRTRM
    PolicyCoverageChangesUnderwriting:
      type: object
      description: Underwriting decision evaluated for this policy update, present
        when an underwriting case was evaluated
      properties:
        underwritingCaseId:
          type: string
          description: Identifier of the underwriting case evaluated for this policy update
          example: CA1234567890
        decision:
          type: string
          enum:
            - APPROVED
            - DECLINED
            - POSTPONED
          description: Underwriting decision rendered for the requested change
          example: APPROVED
        status:
          type: string
          enum:
            - CLEAN_CASE
            - FLAGGED_CASE
          description: Case-level underwriting status classification
          example: CLEAN_CASE
        underwritingSourceName:
          type: string
          description: Name of the underwriting engine/source
          example: Source Details
        underwritingRiskClass:
          $ref: "#/components/schemas/PolicyCoverageChangesRiskClass"
        decisionRiskClass:
          $ref: "#/components/schemas/PolicyCoverageChangesRiskClass"
        underwritingMethod:
          type: string
          enum:
            - FULLUNDERWRITING
            - SIMPLIFIEDISSUE
            - GUARANTEEDISSUE
            - ACCELERATEDUNDERWRITING
          description: Underwriting method applied
          example: FULLUNDERWRITING
        tobaccoPremiumBasis:
          type: string
          enum:
            - SMOKER
            - NONSMOKER
          description: Tobacco/nicotine rating basis
          example: SMOKER
        approvedFaceAmount:
          type: number
          format: double
          description: Face amount approved by underwriting; required when a
            policyUpdateRequest item affects face amount (BASECOVERAGEUPDATE,
            RIDERADD)
          example: 250000
        approvedFaceAmountMaximum:
          type: number
          format: double
          description: Maximum face amount underwriting will allow; required when a
            policyUpdateRequest item affects face amount (BASECOVERAGEUPDATE,
            RIDERADD)
          example: 250000
        riders:
          type: array
          items:
            $ref: "#/components/schemas/PolicyCoverageChangesUnderwritingRider"
        exclusionReview:
          type: array
          items:
            $ref: "#/components/schemas/PolicyCoverageChangesExclusionReview"
      required:
        - underwritingCaseId
        - decision
        - status
```