--- title: "ReinstatementQuoteResponse" url: "https://developers.zinnia.com/apis/policy-transactions-1-0-2/versions/d0006570-ab9d-464e-814f-d120ba425e84/schemas/ReinstatementQuoteResponse" --- > Full API specification: https://developers.zinnia.com/apis/policy-transactions-1-0-2/versions/d0006570-ab9d-464e-814f-d120ba425e84.md # ReinstatementQuoteResponse ## 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 components: schemas: ReinstatementQuoteResponse: type: object properties: correlationId: type: string description: Correlation ID from the request example: string policy: type: object description: Complete policy information with quote details properties: effectiveDate: type: string format: date example: 2025-09-23 coverage: type: object properties: totalCoverageAmount: type: number example: 0 cumulativeGrossDeathBenefitAmount: type: number example: 0 netDeathBenefit: type: number example: 0 remainingDeathBenefitAmount: type: number example: 0 minimumCoverageAmount: type: number example: 0 maximumCoverageAmount: type: number example: 0 coverageChangeEffectiveDate: type: string format: date example: 2025-09-23 coverageBand: type: string example: BAND1 maximumAnnualCoverageChangeAllowedPerPolicy: type: number example: 0 minimumCoverageDecreaseAmount: type: number example: 0 maximumCoverageDecreaseAmount: type: number example: 0 maximumAgeNumberCoverageAmountDecrease: type: number example: 0 coverageAmountDecreaseAllowed: type: number example: 0 minimumCoverageIncreaseAmount: type: number example: 0 maximumCoverageIncreaseAmount: type: number example: 0 maximumAgeNumberCoverageAmountIncrease: type: number example: 0 coverageAmountIncreaseAllowed: type: number example: 0 coverageLayers: type: array items: type: object properties: coverageParticipants: type: array items: type: object properties: flatExtra: type: array items: type: object properties: flatExtraType: type: string example: TEMPORARY flatExtraDuration: type: number example: 0 flatExtraAmount: type: number example: 0 flatExtraStartDate: type: string format: date example: 2025-09-23 partyId: type: string example: string issueAge: type: number example: 0 partyAgeAtIssue: type: number example: 0 riskClass: type: string example: ULTRANONTOBACCO substandardRating: type: string example: TABLEA coverageId: type: string example: string coverageType: type: string example: BASE coverageName: type: string example: string productCode: type: string example: string coverageTerm: type: number example: 0 approvedCoverageAmount: type: number example: 0 currentAmount: type: number example: 0 originalCoverageAmount: type: number example: 0 minimumCoverageAmount: type: number example: 0 maximumCoverageAmount: type: number example: 0 grossDeathBenefitAmount: type: number example: 0 lowDeathBenefitAmount: type: number example: 0 coverageChangeAmount: type: number example: 0 coverageEffectiveDate: type: string format: date example: 2025-09-23 coverageChangeEffectiveDate: type: string format: date example: 2025-09-23 coverageTerminationDate: type: string format: date example: 2025-09-23 unitOfCoverage: type: number example: 0 valuePerUnitOfCoverage: type: number example: 0 guidelineSinglePremium: type: number example: 0 guidelineLevelPremium: type: number example: 0 sevenPayPremium: type: number example: 0 modalPremium: type: number example: 0 coverageTargetPremium: type: number example: 0 annualPremium: type: number example: 0 riders: type: array items: type: object properties: type: type: string example: BASE riderName: type: string example: string riderElected: type: string example: string riderCode: type: string example: string remainingBenefit: type: number example: 0 additionalBenefitUsedUp: type: boolean example: true totalBenefit: type: number example: 0 payoutOption: type: string example: SINGLE benefitPercent: type: number example: 0 annualBenefitLimit: type: number example: 0 currentAnnualLimit: type: number example: 0 remainingAnnualLimit: type: number example: 0 hypotheticalAnnualLimit: type: number example: 0 effectiveDate: type: string format: date example: 2025-09-23 exerciseDate: type: string format: date example: 2025-09-23 terminationDate: type: string format: date example: 2025-09-23 lastResetDate: type: string format: date example: 2025-09-23 phase: type: string example: ACCUMULATION status: type: string example: ACTIVE base: type: object properties: currentBase: type: number example: 0 ratchetBase: type: number example: 0 growthBase: type: number example: 0 deferralBonus: type: number example: 0 deferralBonusBase: type: number example: 0 simpleInterestBase: type: number example: 0 amount: type: number example: 0 charge: type: object properties: riderExerciseCharge: type: number example: 0 riderExerciseChargeRate: type: number example: 0 maximumChronicIllnessBenefitPercentage: type: number example: 0 maximumPeriodicPaymentPeriod: type: number example: 0 claimStatus: type: boolean example: true nextEvaluationDate: type: string format: date example: 2025-09-23 riderPaymentDate: type: string format: date example: 2025-09-23 terminalRiderPaymentAmount: type: number example: 0 qualifiedAdditionalBenefit: type: boolean example: true underwritingStatus: type: string example: BASE unbornChildIndicator: type: boolean example: true systematicPrograms: type: array items: type: object properties: arrangementType: type: string example: PAYMENT arrangementId: type: string example: string externalArrangementId: type: string example: string allocationOptionType: type: string example: PRORATA reason: type: string example: PREMIUM numberOfOccurrence: type: number example: 0 disbursementType: type: string example: GROSS status: type: string example: ACTIVE paymentForm: type: string example: DTCC frequency: type: string example: DAILY requestedDate: type: string format: date example: 2025-09-23 startDate: type: string format: date example: 2025-09-23 endDate: type: string format: date example: 2025-09-23 amountType: type: string example: AMOUNT amount: type: number example: 0 policyFeatures: type: array items: type: object properties: reducedPaidUpFaceAmount: type: number example: 0 featureType: type: string example: FREELOOK featureIndicator: type: boolean example: true featureOption: type: string example: LIFEONLY startDate: type: string format: date example: 2025-09-23 endDate: type: string format: date example: 2025-09-23 status: type: boolean example: true period: type: number example: 0 effectiveDate: type: string format: date example: 2025-09-23 totalRequiredAmount: type: number example: 0 totalMinimumRequiredAmount: type: number example: 0 paymentAmount: type: number example: 0 exclusionAmount: type: number example: 0 yearToDatePaymentAmount: type: number example: 0 exclusionRatio: type: number example: 0 totalPaymentAmount: type: number example: 0 underwritingDecision: type: boolean example: true approvalDate: type: string format: date example: 2025-09-23 jointLivesPercentageToSurvivor: type: number example: 0 frequency: type: string example: DAILY paymentForm: type: string example: DTCC featureId: type: string example: string featureSubType: type: string example: MULTIPLEPOLICYDISCOUNT id: type: string example: string event: type: string example: string carrierId: type: string example: string policyReferenceId: type: string example: string thirdPartyAdministratorId: type: string example: string commissionOption: type: string example: OPTIONA policySource: type: string example: string policySourceDescription: type: string example: string product: type: object properties: lineOfBusiness: type: string example: LIFE planName: type: string example: string productType: type: string example: WHOLELIFE marketingName: type: string example: string shortName: type: string example: string distribution: type: string example: WIREHOUSE planCode: type: string example: string generalLedgerPlanCode: type: string example: string holdingForm: type: string example: INDIVIDUAL renewable: type: string example: string productVersion: type: string example: string policyTerm: type: number example: 0 policyYear: type: number example: 0 monthOfYear: type: number example: 0 policyNumber: type: string example: string policyStatus: type: string example: PENDINGISSUED restrictStatus: type: string example: LEGAL issueType: type: string example: FULLUNDERWRITING parentPolicyNumber: type: string example: string priorPolicyNumber: type: string example: string issueState: type: string example: AA currency: type: string example: USD fixedCostPeriod: type: number example: 0 discountType: type: string example: POLICYFEE policyDates: type: object properties: policyStartDate: type: string format: date example: 2025-09-23 applicationDate: type: string format: date example: 2025-09-23 issueDate: type: string format: date example: 2025-09-23 maturityDate: type: string format: date example: 2025-09-23 nextAnniversaryDate: type: string format: date example: 2025-09-23 accountValues: type: object properties: beginningAccountValue: type: number example: 0 endingAccountValue: type: number example: 0 surrenderValue: type: number example: 0 cumulativePremiumSinceIssue: type: number example: 0 annualTargetPremium: type: number example: 0 loanValues: type: object properties: totalLoanBalance: type: number example: 0 totalLoanPrincipal: type: number example: 0 loanPayoffAmount: type: number example: 0 maximumLoanAmount: type: number example: 0 timestamp: type: string format: date-time example: 2025-09-23T03:02:45.838Z version: type: number example: 0 deathBenefit: type: object properties: deathBenefitOption: type: string example: LEVEL deathBenefitOptionEffectiveDate: type: string format: date example: 2025-09-23 claimStatus: type: string example: APPROVED proofOfDeathReceived: type: boolean example: true charges: type: array items: type: object properties: chargeType: type: string example: COSTOFINSURANCE coverageId: type: string example: string currentMonthCharge: type: number example: 0 uncollectedPerCharge: type: number example: 0 cumulativePerCharge: type: number example: 0 ```