Compare life insurance quotes and start electronic applications with BackNine.
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Create an eApp from a quote_id returned by any public quote tool and return its private apply_link. Call only after the user selects that quote and explicitly asks to start an application. Retries for the same quote reuse the eApp. Give the user the private apply_link and explain that they must open it to continue in Quote & Apply, complete the remaining application steps, and sign where required. This MCP action does not complete or submit the application to a carrier or bind coverage.
Opaque quote_id from a public life quote tool; raw cache IDs and existing eApp IDs are not accepted
The user selected this quote and explicitly requested starting an application
This tool isn't marked read-only, so it may change something on the server or in an account you connected.
Create an eApp from a quote_id returned by any public quote tool and return its private apply_link. Call only after the user selects that quote and explicitly asks to start an application. Retries for the same quote reuse the eApp. Give the user the private apply_link and explain that they must open it to continue in Quote & Apply, complete the remaining application steps, and sign where required. This MCP action does not complete or submit the application to a carrier or bind coverage.
| Argument | Type | Description |
|---|---|---|
| quote_id* | string | Opaque quote_id from a public life quote tool; raw cache IDs and existing eApp IDs are not accepted |
| user_confirmed* | boolean | The user selected this quote and explicitly requested starting an application |
{
"type": "object",
"required": [
"quote_id",
"user_confirmed"
],
"properties": {
"quote_id": {
"type": "string",
"maxLength": 4096,
"minLength": 1,
"description": "Opaque quote_id from a public life quote tool; raw cache IDs and existing eApp IDs are not accepted"
},
"user_confirmed": {
"enum": [
true
],
"type": "boolean",
"description": "The user selected this quote and explicitly requested starting an application"
}
},
"additionalProperties": false
}Get required inputs for anonymous US life insurance and long-term-care quotes across enabled non-annuity product types, including product-specific inputs, solves, health labels, and rider filters. No name, email, phone, SSN, account, or existing application is needed.
No arguments.
{
"type": "object",
"properties": {},
"additionalProperties": false
}Get final-expense life insurance quotes, including small burial/funeral coverage. Supports the platform coverage range of $5,000 to $100,000,000, subject to carrier/product limits. No term duration. Uses monthly or annual payments and an explicit assumed health value. Each returned quote_id can be used with create_life_eapp after user selection.
| Argument | Type | Description |
|---|---|---|
| mode* | integer | Payments per year: 1 annually or 12 monthly |
| state* | string | |
| gender* | string | Carrier rating input, supplied by the user |
| health* | integer | Explicit assumed final-expense health value. Use the health_classes in get_life_quote_requirements; never infer eligibility. |
| height | integer | Optional height in inches |
| smoker* | string | |
| usages | array | |
| weight | integer | Optional weight in pounds |
Get fresh non-annuity quotes for the eApp created through public MCP, using its saved rating inputs and optional scenario changes. Requires its private application_token. Does not change the application. Returned quote_id selections are bound to this application and its current revision.
| Argument | Type | Description |
|---|---|---|
| changes | object | |
| application_token* | string | Private application_token returned by create_life_eapp; an eApp ID, UUID, or completion URL is not accepted |
{
"type": "object",
"required": [
"application_token"
],
"properties": {
"changes": {
"type": "object",
"properties": {
"mode": {
"enum": [
1,
2,
4,
12
],
"type": "integer",
"description": "Payments per year: annual, semiannual, quarterly, monthly"
},
"solve": {
"enum": [
"Base Premium",
"DB Solve Cash Value at Age",
"Lapse Protection Death Benefit",
"Lapse Protection Premium",
"Maximum Non-MEC Premium",
"Min Non-MEC DB",
"Premium Solve Cash Value at Age",
"Specify Premium and Death Benefit",
"Target Death Benefit",
"Target Premium",
"Base Death Benefit",
"LTC Benefit"
],
"type": "string"
},
"state": {
"enum": [
"AL",
"AK",
"AZ",
"AR",
"CA",
"CO",
"CT",
"DE",
"DC",
"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",
"PR",
"RI",
"SC",
"SD",
"TN",
"TX",
"UT",
"VT",
"VA",
"WA",
"WV",
"WI",
"WY"
],
"type": "string"
},
"gender": {
"enum": [
"Male",
"Female"
],
"type": "string",
"description": "Carrier rating input, supplied by the user"
},
"health": {
"enum": [
6,
5,
4,
3,
2,
1,
-1,
-2,
-3,
-4,
-5,
-6,
-7,
-8,
-9,
-10,
-11,
-12,
-13,
-14,
-15,
-16,
-17,
-18,
-19,
-20
],
"type": "integer",
"description": "User-supplied assumed health value. Get product-specific labels from get_life_quote_requirements. Never infer underwriting eligibility."
},
"height": {
"type": "integer",
"maximum": 120,
"minimum": 1,
"description": "Optional height in inches"
},
"smoker": {
"enum": [
"Never",
"Previously",
"Currently"
],
"type": "string"
},
"usages": {
"type": "array",
"items": {
"type": "object",
"required": [
"status",
"category",
"frequency"
],
"properties": {
"status": {
"enum": [
"Previously",
"Currently"
],
"type": "string"
},
"category": {
"enum": [
"Cannabis",
"Chew",
"Cigarettes",
"Cigars",
"eCigarettes",
"Vape",
"Pipe"
],
"type": "string"
},
"frequency": {
"enum": [
365,
52,
12,
2
],
"type": "integer",
"description": "Uses per year: 2 less than monthly, 12 monthly, 52 weekly, 365 daily"
},
"last_use_date": {
"type": "string",
"format": "date",
"description": "Required for previous use"
}
},
"additionalProperties": false
},
"maxItems": 10
},
"weight": {
"type": "integer",
"maximum": 1500,
"minimum": 1,
"description": "Optional weight in pounds"
},
"premium": {
"type": "number",
"description": "Premium in USD at the requested payment frequency, for benefit/death-benefit solves",
"exclusiveMaximum": 1000000000,
"exclusiveMinimum": 0
},
"discount": {
"enum": [
null,
"Association",
"Employer",
"Producer"
],
"type": [
"string",
"null"
]
},
"save_age": {
"type": "boolean",
"description": "Backdate to save age only when explicitly requested by the user"
},
"age_value": {
"type": "integer",
"maximum": 120,
"minimum": 1,
"description": "Target age for cash-value solves"
},
"birthdate": {
"type": "string",
"format": "date",
"description": "Date of birth, YYYY-MM-DD"
},
"loan_type": {
"enum": [
"Fixed",
"Variable"
],
"type": "string"
},
"cash_value": {
"type": "number",
"maximum": 1000000000,
"exclusiveMinimum": 0
},
"child_rider": {
"type": "boolean"
},
"joint_party": {
"type": "object",
"required": [
"birthdate",
"gender",
"health",
"smoker"
],
"properties": {
"gender": {
"enum": [
"Male",
"Female"
],
"type": "string",
"description": "Carrier rating input, supplied by the user"
},
"health": {
"enum": [
6,
5,
4,
3,
2,
1,
-1,
-2,
-3,
-4,
-5,
-6,
-7,
-8
],
"type": "integer",
"description": "User-supplied assumed health value. Read product-specific labels from get_life_quote_requirements; never infer eligibility."
},
"height": {
"type": "integer",
"maximum": 120,
"minimum": 1,
"description": "Optional height in inches"
},
"smoker": {
"enum": [
"Never",
"Previously",
"Currently"
],
"type": "string"
},
"usages": {
"type": "array",
"items": {
"type": "object",
"required": [
"status",
"category",
"frequency"
],
"properties": {
"status": {
"enum": [
"Previously",
"Currently"
],
"type": "string"
},
"category": {
"enum": [
"Cannabis",
"Chew",
"Cigarettes",
"Cigars",
"eCigarettes",
"Vape",
"Pipe"
],
"type": "string"
},
"frequency": {
"enum": [
365,
52,
12,
2
],
"type": "integer",
"description": "Uses per year: 2 less than monthly, 12 monthly, 52 weekly, 365 daily"
},
"last_use_date": {
"type": "string",
"format": "date",
"description": "Required for previous use"
}
},
"additionalProperties": false
},
"maxItems": 10
},
"weight": {
"type": "integer",
"maximum": 1500,
"minimum": 1,
"description": "Optional weight in pounds"
},
"birthdate": {
"type": "string",
"format": "date",
"description": "Date of birth, YYYY-MM-DD"
}
},
"additionalProperties": false
},
"shared_care": {
"type": "boolean"
},
"income_solve": {
"enum": [
"Max",
"No"
],
"type": "string"
},
"pay_duration": {
"enum": [
-100,
-65,
-1,
1,
2,
3,
4,
5,
6,
7,
8,
9,
10,
11,
12,
13,
14,
15,
16,
17,
18,
19,
20,
21,
22,
23,
24,
25,
26,
27,
28,
29,
30,
31,
32,
33,
34,
35,
36,
37,
38,
39,
40,
41,
42,
43,
44,
45,
46,
47,
48,
49,
50,
51,
52,
53,
54,
55,
56,
57,
58,
59,
60,
61,
62,
63,
64,
65,
66,
67,
68,
69,
70,
71,
72,
73,
74,
75,
76,
77,
78,
79,
80,
81,
82,
83,
84,
85,
86,
87,
88,
89,
90,
91,
92,
93,
94,
95,
96,
97,
98,
99,
100,
101,
102,
103,
104,
105,
106,
107,
108,
109,
110,
111,
112,
113,
114,
115,
116,
117,
118,
119,
120
],
"type": "integer",
"description": "Payment years; -1 lifetime, -65 until age 65, -100 until age 100, 1 single pay"
},
"product_type": {
"enum": [
"term",
"non_med",
"rop_term",
"fex",
"ul",
"iul",
"piul",
"pvul",
"avul",
"whole_life",
"linked_benefit",
"ltc",
"accidental_death"
],
"type": "string"
},
"death_benefit": {
"type": "integer",
"maximum": 100000000,
"minimum": 5000
},
"pool_of_money": {
"type": "number",
"maximum": 1000000000,
"exclusiveMinimum": 0
},
"term_duration": {
"type": "integer",
"maximum": 40,
"minimum": 1,
"description": "Requested level term in years; availability depends on carrier/product"
},
"benefit_period": {
"enum": [
-1,
1,
2,
3,
4,
5,
6,
7,
8,
9,
10,
11,
12,
13,
14,
15,
16,
17,
18,
19,
20,
21,
22,
23,
24,
25,
26,
27,
28,
29,
30,
31,
32,
33,
34,
35,
36,
37,
38,
39,
40,
41,
42,
43,
44,
45,
46,
47,
48,
49,
50,
51,
52,
53,
54,
55,
56,
57,
58,
59,
60,
61,
62,
63,
64,
65,
66,
67,
68,
69,
70,
71,
72,
73,
74,
75,
76,
77,
78,
79,
80,
81,
82,
83,
84,
85,
86,
87,
88,
89,
90,
91,
92,
93,
94,
95,
96,
97,
98,
99
],
"type": "integer",
"description": "Benefit years; -1 unlimited where supported"
},
"income_end_age": {
"type": "integer",
"maximum": 120,
"minimum": 1
},
"marital_status": {
"enum": [
"Married",
"Domestic Partner",
"Single"
],
"type": "string"
},
"living_benefits": {
"type": "boolean"
},
"monthly_benefit": {
"type": "number",
"maximum": 100000000,
"description": "Requested monthly care benefit in USD, for Base Premium solves",
"exclusiveMinimum": 0
},
"guaranteed_issue": {
"type": "boolean",
"description": "Limit results to guaranteed-issue products"
},
"income_start_age": {
"type": "integer",
"maximum": 120,
"minimum": 1
},
"partner_discount": {
"enum": [
"both",
"one",
null
],
"type": [
"string",
"null"
]
},
"child_rider_units": {
"type": "integer",
"maximum": 100,
"minimum": 1
},
"use_pool_of_money": {
"type": "boolean"
},
"waiver_of_premium": {
"type": "boolean"
},
"elimination_period": {
"enum": [
0,
30,
60,
90,
180,
365
],
"type": "integer",
"description": "Waiting period in days"
},
"inflation_percentage": {
"enum": [
null,
"1% Compound",
"2% Compound",
"3% Compound",
"3% Simple",
"4% Compound",
"5% Compound"
],
"type": [
"string",
"null"
]
},
"ltc_rider_percentage": {
"type": "number",
"maximum": 100,
"description": "Requested monthly acceleration percentage; carrier-specific limits apply",
"exclusiveMinimum": 0
},
"home_health_care_waiver": {
"type": "boolean"
},
"joint_waiver_of_premium": {
"type": "boolean"
},
"lapse_protection_to_age": {
"type": "integer",
"maximum": 120,
"minimum": 1
},
"return_of_premium_rider": {
"enum": [
"Limited",
"Limited Surrender",
"Full",
"Full Surrender",
"One Time Step-Up",
"Vested",
null
],
"type": [
"string",
"null"
]
},
"crediting_rate_requested": {
"type": "number",
"maximum": 0.2,
"minimum": 0.01,
"description": "Optional assumed illustration rate as a decimal; not a guaranteed return"
},
"filter_chronic_illness_and_ltc": {
"enum": [
"With Chronic Illness/LTC Rider",
"With Full Chronic Illness/LTC Rider",
"With Chronic Illness Rider",
"With LTC Rider",
"Without Chronic Illness/LTC Rider"
],
"type": "string",
"description": "Explicit rider filter, including With LTC Rider; availability and definitions vary by product"
}
},
"additionalProperties": false
},
"application_token": {
"type": "string",
"maxLength": 4096,
"minLength": 1,
"description": "Private application_token returned by create_life_eapp; an eApp ID, UUID, or completion URL is not accepted"
}
},
"additionalProperties": false
}Quote all supported non-annuity products: term, non-med term, return-of-premium term, final expense (fex), UL, accumulation IUL (iul), protection IUL (piul), VUL where enabled/licensed, whole life, linked benefits, traditional LTC, and accidental death. Supports LTC/chronic illness riders on life products. Call get_life_quote_requirements first for enabled products and each product's schema/health labels. Use explicit user inputs. Returns consumer product details, comparison benefits, exam/application guidance, illustration values when available, and signed quote_id selections for create_life_eapp. Annuities are excluded.
| Argument | Type | Description |
|---|---|---|
| mode* | integer | Payments per year: annual, semiannual, quarterly, monthly |
| solve | string | |
| state* | string | |
| gender* | string | Carrier rating input, supplied by the user |
| health | integer | User-supplied assumed health value. Get product-specific labels from get_life_quote_requirements. Never infer underwriting eligibility. |
| height | integer | Optional height in inches |
| smoker* |
Get term-life quotes using explicit user-provided rating inputs. Results include consumer product details, benefit comparisons, and quote-based application guidance. Each result includes an opaque quote_id valid for 30 minutes. After the user selects a quote and requests an application, call create_life_eapp to get their application link. Never invent missing inputs or an underwriting class.
| Argument | Type | Description |
|---|---|---|
| mode* | integer | Payments per year: annual, semiannual, quarterly, monthly |
| state* | string | |
| gender* | string | Carrier rating input, supplied by the user |
| health* | integer | User-supplied assumed health value. Read product-specific labels from get_life_quote_requirements; never infer eligibility. |
| height | integer | Optional height in inches |
| smoker* | string | |
| usages | array | |
| weight | integer |
Update the primary or joint insured's name, email, phone, or supported rating inputs for the eApp created through public MCP. Requires its private application_token and explicit user confirmation. Rating changes invalidate the selected quote and require fresh quotes before selection. SSNs, payment data, medical answers, agent/domain overrides, and signed/submitted application edits are not accepted. Give the user the private apply_link and explain that they must open it to continue in Quote & Apply, complete the remaining application steps, and sign where required. This MCP action does not complete or submit the application to a carrier or bind coverage.
| Argument | Type | Description |
|---|---|---|
| insured* | object | |
| insured_role | string | Defaults to primary |
| user_confirmed* | boolean | The user explicitly requested these application changes |
| application_token* | string | Private application_token returned by create_life_eapp; an eApp ID, UUID, or completion URL is not accepted |
{
"type": "object",
"required": [
"application_token",
"insured",
"user_confirmed"
],
"properties": {
"insured": {
"type": "object",
"properties": {
"email": {
"type": "string",
"format": "email",
"maxLength": 254
},
"phone": {
"type": "string",
"maxLength": 30,
"minLength": 1
},
"state": {
"enum": [
"AL",
"AK",
"AZ",
"AR",
"CA",
"CO",
"CT",
"DE",
"DC",
"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",
"PR",
"RI",
"SC",
"SD",
"TN",
"TX",
"UT",
"VT",
"VA",
"WA",
"WV",
"WI",
"WY"
],
"type": "string"
},
"gender": {
"enum": [
"Male",
"Female"
],
"type": "string",
"description": "Carrier rating input, supplied by the user"
},
"health": {
"enum": [
6,
5,
4,
3,
2,
1,
-1,
-2,
-3,
-4,
-5,
-6,
-7,
-8,
-9,
-10,
-11,
-12,
-13,
-14,
-15,
-16,
-17,
-18,
-19,
-20
],
"type": "integer",
"description": "User-supplied assumed health value. Get product-specific labels from get_life_quote_requirements. Never infer underwriting eligibility."
},
"height": {
"type": "integer",
"maximum": 120,
"minimum": 1,
"description": "Optional height in inches"
},
"smoker": {
"enum": [
"Never",
"Previously",
"Currently"
],
"type": "string"
},
"usages": {
"type": "array",
"items": {
"type": "object",
"required": [
"status",
"category",
"frequency"
],
"properties": {
"status": {
"enum": [
"Previously",
"Currently"
],
"type": "string"
},
"category": {
"enum": [
"Cannabis",
"Chew",
"Cigarettes",
"Cigars",
"eCigarettes",
"Vape",
"Pipe"
],
"type": "string"
},
"frequency": {
"enum": [
365,
52,
12,
2
],
"type": "integer",
"description": "Uses per year: 2 less than monthly, 12 monthly, 52 weekly, 365 daily"
},
"last_use_date": {
"type": "string",
"format": "date",
"description": "Required for previous use"
}
},
"additionalProperties": false
},
"maxItems": 10
},
"weight": {
"type": "integer",
"maximum": 1500,
"minimum": 1,
"description": "Optional weight in pounds"
},
"birthdate": {
"type": "string",
"format": "date",
"description": "Date of birth, YYYY-MM-DD"
},
"last_name": {
"type": "string",
"maxLength": 100,
"minLength": 1
},
"first_name": {
"type": "string",
"maxLength": 100,
"minLength": 1
},
"marital_status": {
"enum": [
"Married",
"Domestic Partner",
"Single"
],
"type": "string"
}
},
"minProperties": 1,
"additionalProperties": false
},
"insured_role": {
"enum": [
"primary",
"joint"
],
"type": "string",
"description": "Defaults to primary"
},
"user_confirmed": {
"enum": [
true
],
"type": "boolean",
"description": "The user explicitly requested these application changes"
},
"application_token": {
"type": "string",
"maxLength": 4096,
"minLength": 1,
"description": "Private application_token returned by create_life_eapp; an eApp ID, UUID, or completion URL is not accepted"
}
},
"additionalProperties": false
}Select a quote returned by quote_life_eapp for that same application. Requires its private application_token, application-bound quote_id, and explicit user confirmation. Applies the selected rating inputs and quote, retains quote history, and returns the completion link. Rejects stale selections and locked/submitted applications. Give the user the private apply_link and explain that they must open it to continue in Quote & Apply, complete the remaining application steps, and sign where required. This MCP action does not complete or submit the application to a carrier or bind coverage.
| Argument | Type | Description |
|---|---|---|
| quote_id* | string | |
| user_confirmed* | boolean | The user explicitly requested these application changes |
| application_token* | string | Private application_token returned by create_life_eapp; an eApp ID, UUID, or completion URL is not accepted |
{
"type": "object",
"required": [
"application_token",
"quote_id",
"user_confirmed"
],
"properties": {
"quote_id": {
"type": "string",
"maxLength": 4096,
"minLength": 1
},
"user_confirmed": {
"enum": [
true
],
"type": "boolean",
"description": "The user explicitly requested these application changes"
},
"application_token": {
"type": "string",
"maxLength": 4096,
"minLength": 1,
"description": "Private application_token returned by create_life_eapp; an eApp ID, UUID, or completion URL is not accepted"
}
},
"additionalProperties": false
}| birthdate* | string | Date of birth, YYYY-MM-DD |
| death_benefit* | integer |
| guaranteed_issue | boolean | Optional guaranteed-issue-only filter; defaults to false |
{
"type": "object",
"required": [
"state",
"birthdate",
"gender",
"health",
"smoker",
"death_benefit",
"mode"
],
"properties": {
"mode": {
"enum": [
1,
12
],
"type": "integer",
"description": "Payments per year: 1 annually or 12 monthly"
},
"state": {
"enum": [
"AL",
"AK",
"AZ",
"AR",
"CA",
"CO",
"CT",
"DE",
"DC",
"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",
"PR",
"RI",
"SC",
"SD",
"TN",
"TX",
"UT",
"VT",
"VA",
"WA",
"WV",
"WI",
"WY"
],
"type": "string"
},
"gender": {
"enum": [
"Male",
"Female"
],
"type": "string",
"description": "Carrier rating input, supplied by the user"
},
"health": {
"enum": [
6,
5,
4,
3,
2,
1,
-1,
-2,
-3,
-4,
-5,
-6,
-7,
-8
],
"type": "integer",
"description": "Explicit assumed final-expense health value. Use the health_classes in get_life_quote_requirements; never infer eligibility."
},
"height": {
"type": "integer",
"maximum": 120,
"minimum": 1,
"description": "Optional height in inches"
},
"smoker": {
"enum": [
"Never",
"Previously",
"Currently"
],
"type": "string"
},
"usages": {
"type": "array",
"items": {
"type": "object",
"required": [
"status",
"category",
"frequency"
],
"properties": {
"status": {
"enum": [
"Previously",
"Currently"
],
"type": "string"
},
"category": {
"enum": [
"Cannabis",
"Chew",
"Cigarettes",
"Cigars",
"eCigarettes",
"Vape",
"Pipe"
],
"type": "string"
},
"frequency": {
"enum": [
365,
52,
12,
2
],
"type": "integer",
"description": "Uses per year: 2 less than monthly, 12 monthly, 52 weekly, 365 daily"
},
"last_use_date": {
"type": "string",
"format": "date",
"description": "Required for previous use"
}
},
"additionalProperties": false
},
"maxItems": 10
},
"weight": {
"type": "integer",
"maximum": 1500,
"minimum": 1,
"description": "Optional weight in pounds"
},
"birthdate": {
"type": "string",
"format": "date",
"description": "Date of birth, YYYY-MM-DD"
},
"death_benefit": {
"type": "integer",
"maximum": 100000000,
"minimum": 5000
},
"guaranteed_issue": {
"type": "boolean",
"description": "Optional guaranteed-issue-only filter; defaults to false"
}
},
"additionalProperties": false
}| string |
| usages | array |
| weight | integer | Optional weight in pounds |
| premium | number | Premium in USD at the requested payment frequency, for benefit/death-benefit solves |
| discount | string | null |
| save_age | boolean | Backdate to save age only when explicitly requested by the user |
| age_value | integer | Target age for cash-value solves |
| birthdate* | string | Date of birth, YYYY-MM-DD |
| loan_type | string |
| cash_value | number |
| child_rider | boolean |
| joint_party | object |
| shared_care | boolean |
| income_solve | string |
| pay_duration | integer | Payment years; -1 lifetime, -65 until age 65, -100 until age 100, 1 single pay |
| product_type* | string |
| death_benefit | integer |
| pool_of_money | number |
| term_duration | integer | Requested level term in years; availability depends on carrier/product |
| benefit_period | integer | Benefit years; -1 unlimited where supported |
| income_end_age | integer |
| marital_status | string |
| living_benefits | boolean |
| monthly_benefit | number | Requested monthly care benefit in USD, for Base Premium solves |
| guaranteed_issue | boolean | Limit results to guaranteed-issue products |
| income_start_age | integer |
| partner_discount | string | null |
| child_rider_units | integer |
| use_pool_of_money | boolean |
| waiver_of_premium | boolean |
| elimination_period | integer | Waiting period in days |
| inflation_percentage | string | null |
| ltc_rider_percentage | number | Requested monthly acceleration percentage; carrier-specific limits apply |
| home_health_care_waiver | boolean |
| joint_waiver_of_premium | boolean |
| lapse_protection_to_age | integer |
| return_of_premium_rider | string | null |
| crediting_rate_requested | number | Optional assumed illustration rate as a decimal; not a guaranteed return |
| filter_chronic_illness_and_ltc | string | Explicit rider filter, including With LTC Rider; availability and definitions vary by product |
{
"type": "object",
"allOf": [
{
"if": {
"required": [
"product_type"
],
"properties": {
"product_type": {
"enum": [
"term"
]
}
}
},
"then": {
"type": "object",
"allOf": [
{
"if": {
"properties": {
"solve": {
"enum": [
"Base Premium"
]
}
}
},
"then": {
"required": [
"death_benefit"
]
}
},
{
"if": {
"required": [
"filter_chronic_illness_and_ltc"
],
"properties": {
"filter_chronic_illness_and_ltc": {
"enum": [
"With Chronic Illness/LTC Rider",
"With Full Chronic Illness/LTC Rider",
"With Chronic Illness Rider",
"With LTC Rider"
]
}
}
},
"then": {
"required": [
"ltc_rider_percentage"
]
}
},
{
"if": {
"required": [
"ltc_rider_percentage"
]
},
"then": {
"required": [
"filter_chronic_illness_and_ltc"
],
"properties": {
"filter_chronic_illness_and_ltc": {
"enum": [
"With Chronic Illness/LTC Rider",
"With Full Chronic Illness/LTC Rider",
"With Chronic Illness Rider",
"With LTC Rider"
]
}
}
}
}
],
"required": [
"state",
"birthdate",
"gender",
"health",
"smoker",
"mode",
"product_type",
"term_duration"
],
"properties": {
"mode": {
"enum": [
1,
2,
4,
12
],
"type": "integer",
"description": "Payments per year: annual, semiannual, quarterly, monthly"
},
"solve": {
"enum": [
"Base Premium"
],
"type": "string",
"description": "Quote objective; required for UL/IUL/VUL; other types default to Base Premium. Required solve inputs must be supplied by the user."
},
"state": {
"enum": [
"AL",
"AK",
"AZ",
"AR",
"CA",
"CO",
"CT",
"DE",
"DC",
"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",
"PR",
"RI",
"SC",
"SD",
"TN",
"TX",
"UT",
"VT",
"VA",
"WA",
"WV",
"WI",
"WY"
],
"type": "string"
},
"gender": {
"enum": [
"Male",
"Female"
],
"type": "string",
"description": "Carrier rating input, supplied by the user"
},
"health": {
"enum": [
6,
5,
4,
3,
2,
1,
-1,
-2,
-3,
-4,
-5,
-6,
-7,
-8,
-9,
-10,
-11,
-12,
-13,
-14,
-15,
-16,
-17,
-18,
-19,
-20
],
"type": "integer",
"description": "User-supplied assumed health value. Get product-specific labels from get_life_quote_requirements. Never infer underwriting eligibility."
},
"height": {
"type": "integer",
"maximum": 120,
"minimum": 1,
"description": "Optional height in inches"
},
"smoker": {
"enum": [
"Never",
"Previously",
"Currently"
],
"type": "string"
},
"usages": {
"type": "array",
"items": {
"type": "object",
"required": [
"status",
"category",
"frequency"
],
"properties": {
"status": {
"enum": [
"Previously",
"Currently"
],
"type": "string"
},
"category": {
"enum": [
"Cannabis",
"Chew",
"Cigarettes",
"Cigars",
"eCigarettes",
"Vape",
"Pipe"
],
"type": "string"
},
"frequency": {
"enum": [
365,
52,
12,
2
],
"type": "integer",
"description": "Uses per year: 2 less than monthly, 12 monthly, 52 weekly, 365 daily"
},
"last_use_date": {
"type": "string",
"format": "date",
"description": "Required for previous use"
}
},
"additionalProperties": false
},
"maxItems": 10
},
"weight": {
"type": "integer",
"maximum": 1500,
"minimum": 1,
"description": "Optional weight in pounds"
},
"premium": {
"type": "number",
"description": "Premium in USD at the requested payment frequency, for benefit/death-benefit solves",
"exclusiveMaximum": 1000000000,
"exclusiveMinimum": 0
},
"save_age": {
"type": "boolean",
"description": "Backdate to save age only when explicitly requested by the user"
},
"birthdate": {
"type": "string",
"format": "date",
"description": "Date of birth, YYYY-MM-DD"
},
"child_rider": {
"type": "boolean"
},
"pay_duration": {
"enum": [
-100,
-65,
-1,
1,
2,
3,
4,
5,
6,
7,
8,
9,
10,
11,
12,
13,
14,
15,
16,
17,
18,
19,
20,
21,
22,
23,
24,
25,
26,
27,
28,
29,
30,
31,
32,
33,
34,
35,
36,
37,
38,
39,
40,
41,
42,
43,
44,
45,
46,
47,
48,
49,
50,
51,
52,
53,
54,
55,
56,
57,
58,
59,
60,
61,
62,
63,
64,
65,
66,
67,
68,
69,
70,
71,
72,
73,
74,
75,
76,
77,
78,
79,
80,
81,
82,
83,
84,
85,
86,
87,
88,
89,
90,
91,
92,
93,
94,
95,
96,
97,
98,
99,
100,
101,
102,
103,
104,
105,
106,
107,
108,
109,
110,
111,
112,
113,
114,
115,
116,
117,
118,
119,
120
],
"type": "integer",
"description": "Payment years; -1 lifetime, -65 until age 65, -100 until age 100, 1 single pay"
},
"product_type": {
"enum": [
"term"
],
"type": "string"
},
"death_benefit": {
"type": "integer",
"maximum": 100000000,
"minimum": 5000
},
"term_duration": {
"type": "integer",
"maximum": 40,
"minimum": 1,
"description": "Requested level term in years; availability depends on carrier/product"
},
"living_benefits": {
"type": "boolean"
},
"child_rider_units": {
"type": "integer",
"maximum": 100,
"minimum": 1
},
"waiver_of_premium": {
"type": "boolean"
},
"ltc_rider_percentage": {
"type": "number",
"maximum": 100,
"description": "Requested monthly acceleration percentage; carrier-specific limits apply",
"exclusiveMinimum": 0
},
"filter_chronic_illness_and_ltc": {
"enum": [
"With Chronic Illness/LTC Rider",
"With Full Chronic Illness/LTC Rider",
"With Chronic Illness Rider",
"With LTC Rider",
"Without Chronic Illness/LTC Rider"
],
"type": "string",
"description": "Explicit rider filter, including With LTC Rider; availability and definitions vary by product"
}
},
"additionalProperties": false
}
},
{
"if": {
"required": [
"product_type"
],
"properties": {
"product_type": {
"enum": [
"non_med"
]
}
}
},
"then": {
"type": "object",
"allOf": [
{
"if": {
"properties": {
"solve": {
"enum": [
"Base Premium"
]
}
}
},
"then": {
"required": [
"death_benefit"
]
}
},
{
"if": {
"required": [
"filter_chronic_illness_and_ltc"
],
"properties": {
"filter_chronic_illness_and_ltc": {
"enum": [
"With Chronic Illness/LTC Rider",
"With Full Chronic Illness/LTC Rider",
"With Chronic Illness Rider",
"With LTC Rider"
]
}
}
},
"then": {
"required": [
"ltc_rider_percentage"
]
}
},
{
"if": {
"required": [
"ltc_rider_percentage"
]
},
"then": {
"required": [
"filter_chronic_illness_and_ltc"
],
"properties": {
"filter_chronic_illness_and_ltc": {
"enum": [
"With Chronic Illness/LTC Rider",
"With Full Chronic Illness/LTC Rider",
"With Chronic Illness Rider",
"With LTC Rider"
]
}
}
}
}
],
"required": [
"state",
"birthdate",
"gender",
"health",
"smoker",
"mode",
"product_type",
"term_duration"
],
"properties": {
"mode": {
"enum": [
1,
2,
4,
12
],
"type": "integer",
"description": "Payments per year: annual, semiannual, quarterly, monthly"
},
"solve": {
"enum": [
"Base Premium"
],
"type": "string",
"description": "Quote objective; required for UL/IUL/VUL; other types default to Base Premium. Required solve inputs must be supplied by the user."
},
"state": {
"enum": [
"AL",
"AK",
"AZ",
"AR",
"CA",
"CO",
"CT",
"DE",
"DC",
"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",
"PR",
"RI",
"SC",
"SD",
"TN",
"TX",
"UT",
"VT",
"VA",
"WA",
"WV",
"WI",
"WY"
],
"type": "string"
},
"gender": {
"enum": [
"Male",
"Female"
],
"type": "string",
"description": "Carrier rating input, supplied by the user"
},
"health": {
"enum": [
6,
5,
4,
3,
2,
1,
-1,
-2,
-3,
-4,
-5,
-6,
-7,
-8,
-9,
-10,
-11,
-12,
-13,
-14,
-15,
-16,
-17,
-18,
-19,
-20
],
"type": "integer",
"description": "User-supplied assumed health value. Get product-specific labels from get_life_quote_requirements. Never infer underwriting eligibility."
},
"height": {
"type": "integer",
"maximum": 120,
"minimum": 1,
"description": "Optional height in inches"
},
"smoker": {
"enum": [
"Never",
"Previously",
"Currently"
],
"type": "string"
},
"usages": {
"type": "array",
"items": {
"type": "object",
"required": [
"status",
"category",
"frequency"
],
"properties": {
"status": {
"enum": [
"Previously",
"Currently"
],
"type": "string"
},
"category": {
"enum": [
"Cannabis",
"Chew",
"Cigarettes",
"Cigars",
"eCigarettes",
"Vape",
"Pipe"
],
"type": "string"
},
"frequency": {
"enum": [
365,
52,
12,
2
],
"type": "integer",
"description": "Uses per year: 2 less than monthly, 12 monthly, 52 weekly, 365 daily"
},
"last_use_date": {
"type": "string",
"format": "date",
"description": "Required for previous use"
}
},
"additionalProperties": false
},
"maxItems": 10
},
"weight": {
"type": "integer",
"maximum": 1500,
"minimum": 1,
"description": "Optional weight in pounds"
},
"premium": {
"type": "number",
"description": "Premium in USD at the requested payment frequency, for benefit/death-benefit solves",
"exclusiveMaximum": 1000000000,
"exclusiveMinimum": 0
},
"save_age": {
"type": "boolean",
"description": "Backdate to save age only when explicitly requested by the user"
},
"birthdate": {
"type": "string",
"format": "date",
"description": "Date of birth, YYYY-MM-DD"
},
"child_rider": {
"type": "boolean"
},
"pay_duration": {
"enum": [
-100,
-65,
-1,
1,
2,
3,
4,
5,
6,
7,
8,
9,
10,
11,
12,
13,
14,
15,
16,
17,
18,
19,
20,
21,
22,
23,
24,
25,
26,
27,
28,
29,
30,
31,
32,
33,
34,
35,
36,
37,
38,
39,
40,
41,
42,
43,
44,
45,
46,
47,
48,
49,
50,
51,
52,
53,
54,
55,
56,
57,
58,
59,
60,
61,
62,
63,
64,
65,
66,
67,
68,
69,
70,
71,
72,
73,
74,
75,
76,
77,
78,
79,
80,
81,
82,
83,
84,
85,
86,
87,
88,
89,
90,
91,
92,
93,
94,
95,
96,
97,
98,
99,
100,
101,
102,
103,
104,
105,
106,
107,
108,
109,
110,
111,
112,
113,
114,
115,
116,
117,
118,
119,
120
],
"type": "integer",
"description": "Payment years; -1 lifetime, -65 until age 65, -100 until age 100, 1 single pay"
},
"product_type": {
"enum": [
"non_med"
],
"type": "string"
},
"death_benefit": {
"type": "integer",
"maximum": 100000000,
"minimum": 5000
},
"term_duration": {
"type": "integer",
"maximum": 40,
"minimum": 1,
"description": "Requested level term in years; availability depends on carrier/product"
},
"living_benefits": {
"type": "boolean"
},
"child_rider_units": {
"type": "integer",
"maximum": 100,
"minimum": 1
},
"waiver_of_premium": {
"type": "boolean"
},
"ltc_rider_percentage": {
"type": "number",
"maximum": 100,
"description": "Requested monthly acceleration percentage; carrier-specific limits apply",
"exclusiveMinimum": 0
},
"filter_chronic_illness_and_ltc": {
"enum": [
"With Chronic Illness/LTC Rider",
"With Full Chronic Illness/LTC Rider",
"With Chronic Illness Rider",
"With LTC Rider",
"Without Chronic Illness/LTC Rider"
],
"type": "string",
"description": "Explicit rider filter, including With LTC Rider; availability and definitions vary by product"
}
},
"additionalProperties": false
}
},
{
"if": {
"required": [
"product_type"
],
"properties": {
"product_type": {
"enum": [
"rop_term"
]
}
}
},
"then": {
"type": "object",
"allOf": [
{
"if": {
"properties": {
"solve": {
"enum": [
"Base Premium"
]
}
}
},
"then": {
"required": [
"death_benefit"
]
}
},
{
"if": {
"required": [
"filter_chronic_illness_and_ltc"
],
"properties": {
"filter_chronic_illness_and_ltc": {
"enum": [
"With Chronic Illness/LTC Rider",
"With Full Chronic Illness/LTC Rider",
"With Chronic Illness Rider",
"With LTC Rider"
]
}
}
},
"then": {
"required": [
"ltc_rider_percentage"
]
}
},
{
"if": {
"required": [
"ltc_rider_percentage"
]
},
"then": {
"required": [
"filter_chronic_illness_and_ltc"
],
"properties": {
"filter_chronic_illness_and_ltc": {
"enum": [
"With Chronic Illness/LTC Rider",
"With Full Chronic Illness/LTC Rider",
"With Chronic Illness Rider",
"With LTC Rider"
]
}
}
}
}
],
"required": [
"state",
"birthdate",
"gender",
"health",
"smoker",
"mode",
"product_type",
"term_duration"
],
"properties": {
"mode": {
"enum": [
1,
2,
4,
12
],
"type": "integer",
"description": "Payments per year: annual, semiannual, quarterly, monthly"
},
"solve": {
"enum": [
"Base Premium"
],
"type": "string",
"description": "Quote objective; required for UL/IUL/VUL; other types default to Base Premium. Required solve inputs must be supplied by the user."
},
"state": {
"enum": [
"AL",
"AK",
"AZ",
"AR",
"CA",
"CO",
"CT",
"DE",
"DC",
"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",
"PR",
"RI",
"SC",
"SD",
"TN",
"TX",
"UT",
"VT",
"VA",
"WA",
"WV",
"WI",
"WY"
],
"type": "string"
},
"gender": {
"enum": [
"Male",
"Female"
],
"type": "string",
"description": "Carrier rating input, supplied by the user"
},
"health": {
"enum": [
6,
5,
4,
3,
2,
1,
-1,
-2,
-3,
-4,
-5,
-6,
-7,
-8,
-9,
-10,
-11,
-12,
-13,
-14,
-15,
-16,
-17,
-18,
-19,
-20
],
"type": "integer",
"description": "User-supplied assumed health value. Get product-specific labels from get_life_quote_requirements. Never infer underwriting eligibility."
},
"height": {
"type": "integer",
"maximum": 120,
"minimum": 1,
"description": "Optional height in inches"
},
"smoker": {
"enum": [
"Never",
"Previously",
"Currently"
],
"type": "string"
},
"usages": {
"type": "array",
"items": {
"type": "object",
"required": [
"status",
"category",
"frequency"
],
"properties": {
"status": {
"enum": [
"Previously",
"Currently"
],
"type": "string"
},
"category": {
"enum": [
"Cannabis",
"Chew",
"Cigarettes",
"Cigars",
"eCigarettes",
"Vape",
"Pipe"
],
"type": "string"
},
"frequency": {
"enum": [
365,
52,
12,
2
],
"type": "integer",
"description": "Uses per year: 2 less than monthly, 12 monthly, 52 weekly, 365 daily"
},
"last_use_date": {
"type": "string",
"format": "date",
"description": "Required for previous use"
}
},
"additionalProperties": false
},
"maxItems": 10
},
"weight": {
"type": "integer",
"maximum": 1500,
"minimum": 1,
"description": "Optional weight in pounds"
},
"premium": {
"type": "number",
"description": "Premium in USD at the requested payment frequency, for benefit/death-benefit solves",
"exclusiveMaximum": 1000000000,
"exclusiveMinimum": 0
},
"save_age": {
"type": "boolean",
"description": "Backdate to save age only when explicitly requested by the user"
},
"birthdate": {
"type": "string",
"format": "date",
"description": "Date of birth, YYYY-MM-DD"
},
"child_rider": {
"type": "boolean"
},
"pay_duration": {
"enum": [
-100,
-65,
-1,
1,
2,
3,
4,
5,
6,
7,
8,
9,
10,
11,
12,
13,
14,
15,
16,
17,
18,
19,
20,
21,
22,
23,
24,
25,
26,
27,
28,
29,
30,
31,
32,
33,
34,
35,
36,
37,
38,
39,
40,
41,
42,
43,
44,
45,
46,
47,
48,
49,
50,
51,
52,
53,
54,
55,
56,
57,
58,
59,
60,
61,
62,
63,
64,
65,
66,
67,
68,
69,
70,
71,
72,
73,
74,
75,
76,
77,
78,
79,
80,
81,
82,
83,
84,
85,
86,
87,
88,
89,
90,
91,
92,
93,
94,
95,
96,
97,
98,
99,
100,
101,
102,
103,
104,
105,
106,
107,
108,
109,
110,
111,
112,
113,
114,
115,
116,
117,
118,
119,
120
],
"type": "integer",
"description": "Payment years; -1 lifetime, -65 until age 65, -100 until age 100, 1 single pay"
},
"product_type": {
"enum": [
"rop_term"
],
"type": "string"
},
"death_benefit": {
"type": "integer",
"maximum": 100000000,
"minimum": 5000
},
"term_duration": {
"type": "integer",
"maximum": 40,
"minimum": 1,
"description": "Requested level term in years; availability depends on carrier/product"
},
"living_benefits": {
"type": "boolean"
},
"child_rider_units": {
"type": "integer",
"maximum": 100,
"minimum": 1
},
"waiver_of_premium": {
"type": "boolean"
},
"ltc_rider_percentage": {
"type": "number",
"maximum": 100,
"description": "Requested monthly acceleration percentage; carrier-specific limits apply",
"exclusiveMinimum": 0
},
"filter_chronic_illness_and_ltc": {
"enum": [
"With Chronic Illness/LTC Rider",
"With Full Chronic Illness/LTC Rider",
"With Chronic Illness Rider",
"With LTC Rider",
"Without Chronic Illness/LTC Rider"
],
"type": "string",
"description": "Explicit rider filter, including With LTC Rider; availability and definitions vary by product"
}
},
"additionalProperties": false
}
},
{
"if": {
"required": [
"product_type"
],
"properties": {
"product_type": {
"enum": [
"fex"
]
}
}
},
"then": {
"type": "object",
"allOf": [
{
"if": {
"properties": {
"solve": {
"enum": [
"Base Premium"
]
}
}
},
"then": {
"required": [
"death_benefit"
]
}
}
],
"required": [
"state",
"birthdate",
"gender",
"health",
"smoker",
"mode",
"product_type"
],
"properties": {
"mode": {
"enum": [
1,
12
],
"type": "integer",
"description": "Payments per year: annual, semiannual, quarterly, monthly"
},
"solve": {
"enum": [
"Base Premium"
],
"type": "string",
"description": "Quote objective; required for UL/IUL/VUL; other types default to Base Premium. Required solve inputs must be supplied by the user."
},
"state": {
"enum": [
"AL",
"AK",
"AZ",
"AR",
"CA",
"CO",
"CT",
"DE",
"DC",
"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",
"PR",
"RI",
"SC",
"SD",
"TN",
"TX",
"UT",
"VT",
"VA",
"WA",
"WV",
"WI",
"WY"
],
"type": "string"
},
"gender": {
"enum": [
"Male",
"Female"
],
"type": "string",
"description": "Carrier rating input, supplied by the user"
},
"health": {
"enum": [
6,
5,
4,
3,
2,
1,
-1,
-2,
-3,
-4,
-5,
-6,
-7,
-8
],
"type": "integer",
"description": "User-supplied assumed health value. Get product-specific labels from get_life_quote_requirements. Never infer underwriting eligibility."
},
"height": {
"type": "integer",
"maximum": 120,
"minimum": 1,
"description": "Optional height in inches"
},
"smoker": {
"enum": [
"Never",
"Previously",
"Currently"
],
"type": "string"
},
"usages": {
"type": "array",
"items": {
"type": "object",
"required": [
"status",
"category",
"frequency"
],
"properties": {
"status": {
"enum": [
"Previously",
"Currently"
],
"type": "string"
},
"category": {
"enum": [
"Cannabis",
"Chew",
"Cigarettes",
"Cigars",
"eCigarettes",
"Vape",
"Pipe"
],
"type": "string"
},
"frequency": {
"enum": [
365,
52,
12,
2
],
"type": "integer",
"description": "Uses per year: 2 less than monthly, 12 monthly, 52 weekly, 365 daily"
},
"last_use_date": {
"type": "string",
"format": "date",
"description": "Required for previous use"
}
},
"additionalProperties": false
},
"maxItems": 10
},
"weight": {
"type": "integer",
"maximum": 1500,
"minimum": 1,
"description": "Optional weight in pounds"
},
"premium": {
"type": "number",
"description": "Premium in USD at the requested payment frequency, for benefit/death-benefit solves",
"exclusiveMaximum": 1000000000,
"exclusiveMinimum": 0
},
"save_age": {
"type": "boolean",
"description": "Backdate to save age only when explicitly requested by the user"
},
"birthdate": {
"type": "string",
"format": "date",
"description": "Date of birth, YYYY-MM-DD"
},
"child_rider": {
"type": "boolean"
},
"pay_duration": {
"enum": [
-100,
-65,
-1,
1,
2,
3,
4,
5,
6,
7,
8,
9,
10,
11,
12,
13,
14,
15,
16,
17,
18,
19,
20,
21,
22,
23,
24,
25,
26,
27,
28,
29,
30,
31,
32,
33,
34,
35,
36,
37,
38,
39,
40,
41,
42,
43,
44,
45,
46,
47,
48,
49,
50,
51,
52,
53,
54,
55,
56,
57,
58,
59,
60,
61,
62,
63,
64,
65,
66,
67,
68,
69,
70,
71,
72,
73,
74,
75,
76,
77,
78,
79,
80,
81,
82,
83,
84,
85,
86,
87,
88,
89,
90,
91,
92,
93,
94,
95,
96,
97,
98,
99,
100,
101,
102,
103,
104,
105,
106,
107,
108,
109,
110,
111,
112,
113,
114,
115,
116,
117,
118,
119,
120
],
"type": "integer",
"description": "Payment years; -1 lifetime, -65 until age 65, -100 until age 100, 1 single pay"
},
"product_type": {
"enum": [
"fex"
],
"type": "string"
},
"death_benefit": {
"type": "integer",
"maximum": 100000000,
"minimum": 5000
},
"living_benefits": {
"type": "boolean"
},
"guaranteed_issue": {
"type": "boolean",
"description": "Limit results to guaranteed-issue products"
},
"child_rider_units": {
"type": "integer",
"maximum": 100,
"minimum": 1
},
"waiver_of_premium": {
"type": "boolean"
}
},
"additionalProperties": false
}
},
{
"if": {
"required": [
"product_type"
],
"properties": {
"product_type": {
"enum": [
"ul"
]
}
}
},
"then": {
"type": "object",
"allOf": [
{
"if": {
"required": [
"solve"
],
"properties": {
"solve": {
"enum": [
"DB Solve Cash Value at Age",
"Lapse Protection Death Benefit",
"Min Non-MEC DB",
"Specify Premium and Death Benefit",
"Target Death Benefit"
]
}
}
},
"then": {
"required": [
"premium"
]
}
},
{
"if": {
"required": [
"solve"
],
"properties": {
"solve": {
"enum": [
"Lapse Protection Premium",
"Maximum Non-MEC Premium",
"Premium Solve Cash Value at Age",
"Specify Premium and Death Benefit",
"Target Premium"
]
}
}
},
"then": {
"required": [
"death_benefit"
]
}
},
{
"if": {
"properties": {
"solve": {
"enum": [
"Base Premium"
]
}
}
},
"then": {
"required": [
"death_benefit"
]
}
},
{
"if": {
"required": [
"filter_chronic_illness_and_ltc"
],
"properties": {
"filter_chronic_illness_and_ltc": {
"enum": [
"With Chronic Illness/LTC Rider",
"With Full Chronic Illness/LTC Rider",
"With Chronic Illness Rider",
"With LTC Rider"
]
}
}
},
"then": {
"required": [
"ltc_rider_percentage"
]
}
},
{
"if": {
"required": [
"ltc_rider_percentage"
]
},
"then": {
"required": [
"filter_chronic_illness_and_ltc"
],
"properties": {
"filter_chronic_illness_and_ltc": {
"enum": [
"With Chronic Illness/LTC Rider",
"With Full Chronic Illness/LTC Rider",
"With Chronic Illness Rider",
"With LTC Rider"
]
}
}
}
},
{
"if": {
"required": [
"solve"
],
"properties": {
"solve": {
"enum": [
"Lapse Protection Death Benefit",
"Lapse Protection Premium"
]
}
}
},
"then": {
"required": [
"lapse_protection_to_age"
]
}
},
{
"if": {
"required": [
"solve"
],
"properties": {
"solve": {
"enum": [
"Premium Solve Cash Value at Age",
"DB Solve Cash Value at Age"
]
}
}
},
"then": {
"required": [
"age_value",
"cash_value"
]
}
}
],
"required": [
"state",
"birthdate",
"gender",
"health",
"smoker",
"mode",
"product_type",
"solve"
],
"properties": {
"mode": {
"enum": [
1,
2,
4,
12
],
"type": "integer",
"description": "Payments per year: annual, semiannual, quarterly, monthly"
},
"solve": {
"enum": [
"Base Premium",
"DB Solve Cash Value at Age",
"Lapse Protection Death Benefit",
"Lapse Protection Premium",
"Maximum Non-MEC Premium",
"Min Non-MEC DB",
"Premium Solve Cash Value at Age",
"Specify Premium and Death Benefit",
"Target Death Benefit",
"Target Premium"
],
"type": "string",
"description": "Quote objective; required for UL/IUL/VUL; other types default to Base Premium. Required solve inputs must be supplied by the user."
},
"state": {
"enum": [
"AL",
"AK",
"AZ",
"AR",
"CA",
"CO",
"CT",
"DE",
"DC",
"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",
"PR",
"RI",
"SC",
"SD",
"TN",
"TX",
"UT",
"VT",
"VA",
"WA",
"WV",
"WI",
"WY"
],
"type": "string"
},
"gender": {
"enum": [
"Male",
"Female"
],
"type": "string",
"description": "Carrier rating input, supplied by the user"
},
"health": {
"enum": [
6,
5,
4,
3,
2,
1,
-1,
-2,
-3,
-4,
-5,
-6,
-7,
-8,
-9,
-10,
-11,
-12,
-13,
-14,
-15,
-16,
-17,
-18,
-19,
-20
],
"type": "integer",
"description": "User-supplied assumed health value. Get product-specific labels from get_life_quote_requirements. Never infer underwriting eligibility."
},
"height": {
"type": "integer",
"maximum": 120,
"minimum": 1,
"description": "Optional height in inches"
},
"smoker": {
"enum": [
"Never",
"Previously",
"Currently"
],
"type": "string"
},
"usages": {
"type": "array",
"items": {
"type": "object",
"required": [
"status",
"category",
"frequency"
],
"properties": {
"status": {
"enum": [
"Previously",
"Currently"
],
"type": "string"
},
"category": {
"enum": [
"Cannabis",
"Chew",
"Cigarettes",
"Cigars",
"eCigarettes",
"Vape",
"Pipe"
],
"type": "string"
},
"frequency": {
"enum": [
365,
52,
12,
2
],
"type": "integer",
"description": "Uses per year: 2 less than monthly, 12 monthly, 52 weekly, 365 daily"
},
"last_use_date": {
"type": "string",
"format": "date",
"description": "Required for previous use"
}
},
"additionalProperties": false
},
"maxItems": 10
},
"weight": {
"type": "integer",
"maximum": 1500,
"minimum": 1,
"description": "Optional weight in pounds"
},
"premium": {
"type": "number",
"description": "Premium in USD at the requested payment frequency, for benefit/death-benefit solves",
"exclusiveMaximum": 1000000000,
"exclusiveMinimum": 0
},
"save_age": {
"type": "boolean",
"description": "Backdate to save age only when explicitly requested by the user"
},
"age_value": {
"type": "integer",
"maximum": 120,
"minimum": 1,
"description": "Target age for cash-value solves"
},
"birthdate": {
"type": "string",
"format": "date",
"description": "Date of birth, YYYY-MM-DD"
},
"loan_type": {
"enum": [
"Fixed",
"Variable"
],
"type": "string"
},
"cash_value": {
"type": "number",
"maximum": 1000000000,
"exclusiveMinimum": 0
},
"child_rider": {
"type": "boolean"
},
"income_solve": {
"enum": [
"Max",
"No"
],
"type": "string"
},
"pay_duration": {
"enum": [
-100,
-65,
-1,
1,
2,
3,
4,
5,
6,
7,
8,
9,
10,
11,
12,
13,
14,
15,
16,
17,
18,
19,
20,
21,
22,
23,
24,
25,
26,
27,
28,
29,
30,
31,
32,
33,
34,
35,
36,
37,
38,
39,
40,
41,
42,
43,
44,
45,
46,
47,
48,
49,
50,
51,
52,
53,
54,
55,
56,
57,
58,
59,
60,
61,
62,
63,
64,
65,
66,
67,
68,
69,
70,
71,
72,
73,
74,
75,
76,
77,
78,
79,
80,
81,
82,
83,
84,
85,
86,
87,
88,
89,
90,
91,
92,
93,
94,
95,
96,
97,
98,
99,
100,
101,
102,
103,
104,
105,
106,
107,
108,
109,
110,
111,
112,
113,
114,
115,
116,
117,
118,
119,
120
],
"type": "integer",
"description": "Payment years; -1 lifetime, -65 until age 65, -100 until age 100, 1 single pay"
},
"product_type": {
"enum": [
"ul"
],
"type": "string"
},
"death_benefit": {
"type": "integer",
"maximum": 100000000,
"minimum": 5000
},
"income_end_age": {
"type": "integer",
"maximum": 120,
"minimum": 1
},
"living_benefits": {
"type": "boolean"
},
"income_start_age": {
"type": "integer",
"maximum": 120,
"minimum": 1
},
"child_rider_units": {
"type": "integer",
"maximum": 100,
"minimum": 1
},
"waiver_of_premium": {
"type": "boolean"
},
"ltc_rider_percentage": {
"type": "number",
"maximum": 100,
"description": "Requested monthly acceleration percentage; carrier-specific limits apply",
"exclusiveMinimum": 0
},
"lapse_protection_to_age": {
"type": "integer",
"maximum": 120,
"minimum": 1
},
"crediting_rate_requested": {
"type": "number",
"maximum": 0.2,
"minimum": 0.01,
"description": "Optional assumed illustration rate as a decimal; not a guaranteed return"
},
"filter_chronic_illness_and_ltc": {
"enum": [
"With Chronic Illness/LTC Rider",
"With Full Chronic Illness/LTC Rider",
"With Chronic Illness Rider",
"With LTC Rider",
"Without Chronic Illness/LTC Rider"
],
"type": "string",
"description": "Explicit rider filter, including With LTC Rider; availability and definitions vary by product"
}
},
"additionalProperties": false
}
},
{
"if": {
"required": [
"product_type"
],
"properties": {
"product_type": {
"enum": [
"iul"
]
}
}
},
"then": {
"type": "object",
"allOf": [
{
"if": {
"required": [
"solve"
],
"properties": {
"solve": {
"enum": [
"DB Solve Cash Value at Age",
"Lapse Protection Death Benefit",
"Min Non-MEC DB",
"Specify Premium and Death Benefit",
"Target Death Benefit"
]
}
}
},
"then": {
"required": [
"premium"
]
}
},
{
"if": {
"required": [
"solve"
],
"properties": {
"solve": {
"enum": [
"Lapse Protection Premium",
"Maximum Non-MEC Premium",
"Premium Solve Cash Value at Age",
"Specify Premium and Death Benefit",
"Target Premium"
]
}
}
},
"then": {
"required": [
"death_benefit"
]
}
},
{
"if": {
"properties": {
"solve": {
"enum": [
"Base Premium"
]
}
}
},
"then": {
"required": [
"death_benefit"
]
}
},
{
"if": {
"required": [
"filter_chronic_illness_and_ltc"
],
"properties": {
"filter_chronic_illness_and_ltc": {
"enum": [
"With Chronic Illness/LTC Rider",
"With Full Chronic Illness/LTC Rider",
"With Chronic Illness Rider",
"With LTC Rider"
]
}
}
},
"then": {
"required": [
"ltc_rider_percentage"
]
}
},
{
"if": {
"required": [
"ltc_rider_percentage"
]
},
"then": {
"required": [
"filter_chronic_illness_and_ltc"
],
"properties": {
"filter_chronic_illness_and_ltc": {
"enum": [
"With Chronic Illness/LTC Rider",
"With Full Chronic Illness/LTC Rider",
"With Chronic Illness Rider",
"With LTC Rider"
]
}
}
}
},
{
"if": {
"required": [
"solve"
],
"properties": {
"solve": {
"enum": [
"Lapse Protection Death Benefit",
"Lapse Protection Premium"
]
}
}
},
"then": {
"required": [
"lapse_protection_to_age"
]
}
},
{
"if": {
"required": [
"solve"
],
"properties": {
"solve": {
"enum": [
"Premium Solve Cash Value at Age",
"DB Solve Cash Value at Age"
]
}
}
},
"then": {
"required": [
"age_value",
"cash_value"
]
}
}
],
"required": [
"state",
"birthdate",
"gender",
"health",
"smoker",
"mode",
"product_type",
"solve"
],
"properties": {
"mode": {
"enum": [
1,
2,
4,
12
],
"type": "integer",
"description": "Payments per year: annual, semiannual, quarterly, monthly"
},
"solve": {
"enum": [
"Base Premium",
"DB Solve Cash Value at Age",
"Lapse Protection Death Benefit",
"Lapse Protection Premium",
"Maximum Non-MEC Premium",
"Min Non-MEC DB",
"Premium Solve Cash Value at Age",
"Specify Premium and Death Benefit",
"Target Death Benefit",
"Target Premium"
],
"type": "string",
"description": "Quote objective; required for UL/IUL/VUL; other types default to Base Premium. Required solve inputs must be supplied by the user."
},
"state": {
"enum": [
"AL",
"AK",
"AZ",
"AR",
"CA",
"CO",
"CT",
"DE",
"DC",
"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",
"PR",
"RI",
"SC",
"SD",
"TN",
"TX",
"UT",
"VT",
"VA",
"WA",
"WV",
"WI",
"WY"
],
"type": "string"
},
"gender": {
"enum": [
"Male",
"Female"
],
"type": "string",
"description": "Carrier rating input, supplied by the user"
},
"health": {
"enum": [
6,
5,
4,
3,
2,
1,
-1,
-2,
-3,
-4,
-5,
-6,
-7,
-8,
-9,
-10,
-11,
-12,
-13,
-14,
-15,
-16,
-17,
-18,
-19,
-20
],
"type": "integer",
"description": "User-supplied assumed health value. Get product-specific labels from get_life_quote_requirements. Never infer underwriting eligibility."
},
"height": {
"type": "integer",
"maximum": 120,
"minimum": 1,
"description": "Optional height in inches"
},
"smoker": {
"enum": [
"Never",
"Previously",
"Currently"
],
"type": "string"
},
"usages": {
"type": "array",
"items": {
"type": "object",
"required": [
"status",
"category",
"frequency"
],
"properties": {
"status": {
"enum": [
"Previously",
"Currently"
],
"type": "string"
},
"category": {
"enum": [
"Cannabis",
"Chew",
"Cigarettes",
"Cigars",
"eCigarettes",
"Vape",
"Pipe"
],
"type": "string"
},
"frequency": {
"enum": [
365,
52,
12,
2
],
"type": "integer",
"description": "Uses per year: 2 less than monthly, 12 monthly, 52 weekly, 365 daily"
},
"last_use_date": {
"type": "string",
"format": "date",
"description": "Required for previous use"
}
},
"additionalProperties": false
},
"maxItems": 10
},
"weight": {
"type": "integer",
"maximum": 1500,
"minimum": 1,
"description": "Optional weight in pounds"
},
"premium": {
"type": "number",
"description": "Premium in USD at the requested payment frequency, for benefit/death-benefit solves",
"exclusiveMaximum": 1000000000,
"exclusiveMinimum": 0
},
"save_age": {
"type": "boolean",
"description": "Backdate to save age only when explicitly requested by the user"
},
"age_value": {
"type": "integer",
"maximum": 120,
"minimum": 1,
"description": "Target age for cash-value solves"
},
"birthdate": {
"type": "string",
"format": "date",
"description": "Date of birth, YYYY-MM-DD"
},
"loan_type": {
"enum": [
"Fixed",
"Variable"
],
"type": "string"
},
"cash_value": {
"type": "number",
"maximum": 1000000000,
"exclusiveMinimum": 0
},
"child_rider": {
"type": "boolean"
},
"income_solve": {
"enum": [
"Max",
"No"
],
"type": "string"
},
"pay_duration": {
"enum": [
-100,
-65,
-1,
1,
2,
3,
4,
5,
6,
7,
8,
9,
10,
11,
12,
13,
14,
15,
16,
17,
18,
19,
20,
21,
22,
23,
24,
25,
26,
27,
28,
29,
30,
31,
32,
33,
34,
35,
36,
37,
38,
39,
40,
41,
42,
43,
44,
45,
46,
47,
48,
49,
50,
51,
52,
53,
54,
55,
56,
57,
58,
59,
60,
61,
62,
63,
64,
65,
66,
67,
68,
69,
70,
71,
72,
73,
74,
75,
76,
77,
78,
79,
80,
81,
82,
83,
84,
85,
86,
87,
88,
89,
90,
91,
92,
93,
94,
95,
96,
97,
98,
99,
100,
101,
102,
103,
104,
105,
106,
107,
108,
109,
110,
111,
112,
113,
114,
115,
116,
117,
118,
119,
120
],
"type": "integer",
"description": "Payment years; -1 lifetime, -65 until age 65, -100 until age 100, 1 single pay"
},
"product_type": {
"enum": [
"iul"
],
"type": "string"
},
"death_benefit": {
"type": "integer",
"maximum": 100000000,
"minimum": 5000
},
"income_end_age": {
"type": "integer",
"maximum": 120,
"minimum": 1
},
"living_benefits": {
"type": "boolean"
},
"income_start_age": {
"type": "integer",
"maximum": 120,
"minimum": 1
},
"child_rider_units": {
"type": "integer",
"maximum": 100,
"minimum": 1
},
"waiver_of_premium": {
"type": "boolean"
},
"ltc_rider_percentage": {
"type": "number",
"maximum": 100,
"description": "Requested monthly acceleration percentage; carrier-specific limits apply",
"exclusiveMinimum": 0
},
"lapse_protection_to_age": {
"type": "integer",
"maximum": 120,
"minimum": 1
},
"crediting_rate_requested": {
"type": "number",
"maximum": 0.2,
"minimum": 0.01,
"description": "Optional assumed illustration rate as a decimal; not a guaranteed return"
},
"filter_chronic_illness_and_ltc": {
"enum": [
"With Chronic Illness/LTC Rider",
"With Full Chronic Illness/LTC Rider",
"With Chronic Illness Rider",
"With LTC Rider",
"Without Chronic Illness/LTC Rider"
],
"type": "string",
"description": "Explicit rider filter, including With LTC Rider; availability and definitions vary by product"
}
},
"additionalProperties": false
}
},
{
"if": {
"required": [
"product_type"
],
"properties": {
"product_type": {
"enum": [
"piul"
]
}
}
},
"then": {
"type": "object",
"allOf": [
{
"if": {
"required": [
"solve"
],
"properties": {
"solve": {
"enum": [
"DB Solve Cash Value at Age",
"Lapse Protection Death Benefit",
"Min Non-MEC DB",
"Specify Premium and Death Benefit",
"Target Death Benefit"
]
}
}
},
"then": {
"required": [
"premium"
]
}
},
{
"if": {
"required": [
"solve"
],
"properties": {
"solve": {
"enum": [
"Lapse Protection Premium",
"Maximum Non-MEC Premium",
"Premium Solve Cash Value at Age",
"Specify Premium and Death Benefit",
"Target Premium"
]
}
}
},
"then": {
"required": [
"death_benefit"
]
}
},
{
"if": {
"properties": {
"solve": {
"enum": [
"Base Premium"
]
}
}
},
"then": {
"required": [
"death_benefit"
]
}
},
{
"if": {
"required": [
"filter_chronic_illness_and_ltc"
],
"properties": {
"filter_chronic_illness_and_ltc": {
"enum": [
"With Chronic Illness/LTC Rider",
"With Full Chronic Illness/LTC Rider",
"With Chronic Illness Rider",
"With LTC Rider"
]
}
}
},
"then": {
"required": [
"ltc_rider_percentage"
]
}
},
{
"if": {
"required": [
"ltc_rider_percentage"
]
},
"then": {
"required": [
"filter_chronic_illness_and_ltc"
],
"properties": {
"filter_chronic_illness_and_ltc": {
"enum": [
"With Chronic Illness/LTC Rider",
"With Full Chronic Illness/LTC Rider",
"With Chronic Illness Rider",
"With LTC Rider"
]
}
}
}
},
{
"if": {
"required": [
"solve"
],
"properties": {
"solve": {
"enum": [
"Lapse Protection Death Benefit",
"Lapse Protection Premium"
]
}
}
},
"then": {
"required": [
"lapse_protection_to_age"
]
}
},
{
"if": {
"required": [
"solve"
],
"properties": {
"solve": {
"enum": [
"Premium Solve Cash Value at Age",
"DB Solve Cash Value at Age"
]
}
}
},
"then": {
"required": [
"age_value",
"cash_value"
]
}
}
],
"required": [
"state",
"birthdate",
"gender",
"health",
"smoker",
"mode",
"product_type",
"solve"
],
"properties": {
"mode": {
"enum": [
1,
2,
4,
12
],
"type": "integer",
"description": "Payments per year: annual, semiannual, quarterly, monthly"
},
"solve": {
"enum": [
"Base Premium",
"DB Solve Cash Value at Age",
"Lapse Protection Death Benefit",
"Lapse Protection Premium",
"Maximum Non-MEC Premium",
"Min Non-MEC DB",
"Premium Solve Cash Value at Age",
"Specify Premium and Death Benefit",
"Target Death Benefit",
"Target Premium"
],
"type": "string",
"description": "Quote objective; required for UL/IUL/VUL; other types default to Base Premium. Required solve inputs must be supplied by the user."
},
"state": {
"enum": [
"AL",
"AK",
"AZ",
"AR",
"CA",
"CO",
"CT",
"DE",
"DC",
"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",
"PR",
"RI",
"SC",
"SD",
"TN",
"TX",
"UT",
"VT",
"VA",
"WA",
"WV",
"WI",
"WY"
],
"type": "string"
},
"gender": {
"enum": [
"Male",
"Female"
],
"type": "string",
"description": "Carrier rating input, supplied by the user"
},
"health": {
"enum": [
6,
5,
4,
3,
2,
1,
-1,
-2,
-3,
-4,
-5,
-6,
-7,
-8,
-9,
-10,
-11,
-12,
-13,
-14,
-15,
-16,
-17,
-18,
-19,
-20
],
"type": "integer",
"description": "User-supplied assumed health value. Get product-specific labels from get_life_quote_requirements. Never infer underwriting eligibility."
},
"height": {
"type": "integer",
"maximum": 120,
"minimum": 1,
"description": "Optional height in inches"
},
"smoker": {
"enum": [
"Never",
"Previously",
"Currently"
],
"type": "string"
},
"usages": {
"type": "array",
"items": {
"type": "object",
"required": [
"status",
"category",
"frequency"
],
"properties": {
"status": {
"enum": [
"Previously",
"Currently"
],
"type": "string"
},
"category": {
"enum": [
"Cannabis",
"Chew",
"Cigarettes",
"Cigars",
"eCigarettes",
"Vape",
"Pipe"
],
"type": "string"
},
"frequency": {
"enum": [
365,
52,
12,
2
],
"type": "integer",
"description": "Uses per year: 2 less than monthly, 12 monthly, 52 weekly, 365 daily"
},
"last_use_date": {
"type": "string",
"format": "date",
"description": "Required for previous use"
}
},
"additionalProperties": false
},
"maxItems": 10
},
"weight": {
"type": "integer",
"maximum": 1500,
"minimum": 1,
"description": "Optional weight in pounds"
},
"premium": {
"type": "number",
"description": "Premium in USD at the requested payment frequency, for benefit/death-benefit solves",
"exclusiveMaximum": 1000000000,
"exclusiveMinimum": 0
},
"save_age": {
"type": "boolean",
"description": "Backdate to save age only when explicitly requested by the user"
},
"age_value": {
"type": "integer",
"maximum": 120,
"minimum": 1,
"description": "Target age for cash-value solves"
},
"birthdate": {
"type": "string",
"format": "date",
"description": "Date of birth, YYYY-MM-DD"
},
"loan_type": {
"enum": [
"Fixed",
"Variable"
],
"type": "string"
},
"cash_value": {
"type": "number",
"maximum": 1000000000,
"exclusiveMinimum": 0
},
"child_rider": {
"type": "boolean"
},
"income_solve": {
"enum": [
"Max",
"No"
],
"type": "string"
},
"pay_duration": {
"enum": [
-100,
-65,
-1,
1,
2,
3,
4,
5,
6,
7,
8,
9,
10,
11,
12,
13,
14,
15,
16,
17,
18,
19,
20,
21,
22,
23,
24,
25,
26,
27,
28,
29,
30,
31,
32,
33,
34,
35,
36,
37,
38,
39,
40,
41,
42,
43,
44,
45,
46,
47,
48,
49,
50,
51,
52,
53,
54,
55,
56,
57,
58,
59,
60,
61,
62,
63,
64,
65,
66,
67,
68,
69,
70,
71,
72,
73,
74,
75,
76,
77,
78,
79,
80,
81,
82,
83,
84,
85,
86,
87,
88,
89,
90,
91,
92,
93,
94,
95,
96,
97,
98,
99,
100,
101,
102,
103,
104,
105,
106,
107,
108,
109,
110,
111,
112,
113,
114,
115,
116,
117,
118,
119,
120
],
"type": "integer",
"description": "Payment years; -1 lifetime, -65 until age 65, -100 until age 100, 1 single pay"
},
"product_type": {
"enum": [
"piul"
],
"type": "string"
},
"death_benefit": {
"type": "integer",
"maximum": 100000000,
"minimum": 5000
},
"income_end_age": {
"type": "integer",
"maximum": 120,
"minimum": 1
},
"living_benefits": {
"type": "boolean"
},
"income_start_age": {
"type": "integer",
"maximum": 120,
"minimum": 1
},
"child_rider_units": {
"type": "integer",
"maximum": 100,
"minimum": 1
},
"waiver_of_premium": {
"type": "boolean"
},
"ltc_rider_percentage": {
"type": "number",
"maximum": 100,
"description": "Requested monthly acceleration percentage; carrier-specific limits apply",
"exclusiveMinimum": 0
},
"lapse_protection_to_age": {
"type": "integer",
"maximum": 120,
"minimum": 1
},
"crediting_rate_requested": {
"type": "number",
"maximum": 0.2,
"minimum": 0.01,
"description": "Optional assumed illustration rate as a decimal; not a guaranteed return"
},
"filter_chronic_illness_and_ltc": {
"enum": [
"With Chronic Illness/LTC Rider",
"With Full Chronic Illness/LTC Rider",
"With Chronic Illness Rider",
"With LTC Rider",
"Without Chronic Illness/LTC Rider"
],
"type": "string",
"description": "Explicit rider filter, including With LTC Rider; availability and definitions vary by product"
}
},
"additionalProperties": false
}
},
{
"if": {
"required": [
"product_type"
],
"properties": {
"product_type": {
"enum": [
"pvul"
]
}
}
},
"then": {
"type": "object",
"allOf": [
{
"if": {
"required": [
"solve"
],
"properties": {
"solve": {
"enum": [
"DB Solve Cash Value at Age",
"Lapse Protection Death Benefit",
"Min Non-MEC DB",
"Specify Premium and Death Benefit",
"Target Death Benefit"
]
}
}
},
"then": {
"required": [
"premium"
]
}
},
{
"if": {
"required": [
"solve"
],
"properties": {
"solve": {
"enum": [
"Lapse Protection Premium",
"Maximum Non-MEC Premium",
"Premium Solve Cash Value at Age",
"Specify Premium and Death Benefit",
"Target Premium"
]
}
}
},
"then": {
"required": [
"death_benefit"
]
}
},
{
"if": {
"properties": {
"solve": {
"enum": [
"Base Premium"
]
}
}
},
"then": {
"required": [
"death_benefit"
]
}
},
{
"if": {
"required": [
"filter_chronic_illness_and_ltc"
],
"properties": {
"filter_chronic_illness_and_ltc": {
"enum": [
"With Chronic Illness/LTC Rider",
"With Full Chronic Illness/LTC Rider",
"With Chronic Illness Rider",
"With LTC Rider"
]
}
}
},
"then": {
"required": [
"ltc_rider_percentage"
]
}
},
{
"if": {
"required": [
"ltc_rider_percentage"
]
},
"then": {
"required": [
"filter_chronic_illness_and_ltc"
],
"properties": {
"filter_chronic_illness_and_ltc": {
"enum": [
"With Chronic Illness/LTC Rider",
"With Full Chronic Illness/LTC Rider",
"With Chronic Illness Rider",
"With LTC Rider"
]
}
}
}
},
{
"if": {
"required": [
"solve"
],
"properties": {
"solve": {
"enum": [
"Lapse Protection Death Benefit",
"Lapse Protection Premium"
]
}
}
},
"then": {
"required": [
"lapse_protection_to_age"
]
}
},
{
"if": {
"required": [
"solve"
],
"properties": {
"solve": {
"enum": [
"Premium Solve Cash Value at Age",
"DB Solve Cash Value at Age"
]
}
}
},
"then": {
"required": [
"age_value",
"cash_value"
]
}
}
],
"required": [
"state",
"birthdate",
"gender",
"health",
"smoker",
"mode",
"product_type",
"solve"
],
"properties": {
"mode": {
"enum": [
1,
2,
4,
12
],
"type": "integer",
"description": "Payments per year: annual, semiannual, quarterly, monthly"
},
"solve": {
"enum": [
"Base Premium",
"DB Solve Cash Value at Age",
"Lapse Protection Death Benefit",
"Lapse Protection Premium",
"Maximum Non-MEC Premium",
"Min Non-MEC DB",
"Premium Solve Cash Value at Age",
"Specify Premium and Death Benefit",
"Target Death Benefit",
"Target Premium"
],
"type": "string",
"description": "Quote objective; required for UL/IUL/VUL; other types default to Base Premium. Required solve inputs must be supplied by the user."
},
"state": {
"enum": [
"AL",
"AK",
"AZ",
"AR",
"CA",
"CO",
"CT",
"DE",
"DC",
"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",
"PR",
"RI",
"SC",
"SD",
"TN",
"TX",
"UT",
"VT",
"VA",
"WA",
"WV",
"WI",
"WY"
],
"type": "string"
},
"gender": {
"enum": [
"Male",
"Female"
],
"type": "string",
"description": "Carrier rating input, supplied by the user"
},
"health": {
"enum": [
6,
5,
4,
3,
2,
1,
-1,
-2,
-3,
-4,
-5,
-6,
-7,
-8,
-9,
-10,
-11,
-12,
-13,
-14,
-15,
-16,
-17,
-18,
-19,
-20
],
"type": "integer",
"description": "User-supplied assumed health value. Get product-specific labels from get_life_quote_requirements. Never infer underwriting eligibility."
},
"height": {
"type": "integer",
"maximum": 120,
"minimum": 1,
"description": "Optional height in inches"
},
"smoker": {
"enum": [
"Never",
"Previously",
"Currently"
],
"type": "string"
},
"usages": {
"type": "array",
"items": {
"type": "object",
"required": [
"status",
"category",
"frequency"
],
"properties": {
"status": {
"enum": [
"Previously",
"Currently"
],
"type": "string"
},
"category": {
"enum": [
"Cannabis",
"Chew",
"Cigarettes",
"Cigars",
"eCigarettes",
"Vape",
"Pipe"
],
"type": "string"
},
"frequency": {
"enum": [
365,
52,
12,
2
],
"type": "integer",
"description": "Uses per year: 2 less than monthly, 12 monthly, 52 weekly, 365 daily"
},
"last_use_date": {
"type": "string",
"format": "date",
"description": "Required for previous use"
}
},
"additionalProperties": false
},
"maxItems": 10
},
"weight": {
"type": "integer",
"maximum": 1500,
"minimum": 1,
"description": "Optional weight in pounds"
},
"premium": {
"type": "number",
"description": "Premium in USD at the requested payment frequency, for benefit/death-benefit solves",
"exclusiveMaximum": 1000000000,
"exclusiveMinimum": 0
},
"save_age": {
"type": "boolean",
"description": "Backdate to save age only when explicitly requested by the user"
},
"age_value": {
"type": "integer",
"maximum": 120,
"minimum": 1,
"description": "Target age for cash-value solves"
},
"birthdate": {
"type": "string",
"format": "date",
"description": "Date of birth, YYYY-MM-DD"
},
"loan_type": {
"enum": [
"Fixed",
"Variable"
],
"type": "string"
},
"cash_value": {
"type": "number",
"maximum": 1000000000,
"exclusiveMinimum": 0
},
"child_rider": {
"type": "boolean"
},
"income_solve": {
"enum": [
"Max",
"No"
],
"type": "string"
},
"pay_duration": {
"enum": [
-100,
-65,
-1,
1,
2,
3,
4,
5,
6,
7,
8,
9,
10,
11,
12,
13,
14,
15,
16,
17,
18,
19,
20,
21,
22,
23,
24,
25,
26,
27,
28,
29,
30,
31,
32,
33,
34,
35,
36,
37,
38,
39,
40,
41,
42,
43,
44,
45,
46,
47,
48,
49,
50,
51,
52,
53,
54,
55,
56,
57,
58,
59,
60,
61,
62,
63,
64,
65,
66,
67,
68,
69,
70,
71,
72,
73,
74,
75,
76,
77,
78,
79,
80,
81,
82,
83,
84,
85,
86,
87,
88,
89,
90,
91,
92,
93,
94,
95,
96,
97,
98,
99,
100,
101,
102,
103,
104,
105,
106,
107,
108,
109,
110,
111,
112,
113,
114,
115,
116,
117,
118,
119,
120
],
"type": "integer",
"description": "Payment years; -1 lifetime, -65 until age 65, -100 until age 100, 1 single pay"
},
"product_type": {
"enum": [
"pvul"
],
"type": "string"
},
"death_benefit": {
"type": "integer",
"maximum": 100000000,
"minimum": 5000
},
"income_end_age": {
"type": "integer",
"maximum": 120,
"minimum": 1
},
"living_benefits": {
"type": "boolean"
},
"income_start_age": {
"type": "integer",
"maximum": 120,
"minimum": 1
},
"child_rider_units": {
"type": "integer",
"maximum": 100,
"minimum": 1
},
"waiver_of_premium": {
"type": "boolean"
},
"ltc_rider_percentage": {
"type": "number",
"maximum": 100,
"description": "Requested monthly acceleration percentage; carrier-specific limits apply",
"exclusiveMinimum": 0
},
"lapse_protection_to_age": {
"type": "integer",
"maximum": 120,
"minimum": 1
},
"crediting_rate_requested": {
"type": "number",
"maximum": 0.2,
"minimum": 0.01,
"description": "Optional assumed illustration rate as a decimal; not a guaranteed return"
},
"filter_chronic_illness_and_ltc": {
"enum": [
"With Chronic Illness/LTC Rider",
"With Full Chronic Illness/LTC Rider",
"With Chronic Illness Rider",
"With LTC Rider",
"Without Chronic Illness/LTC Rider"
],
"type": "string",
"description": "Explicit rider filter, including With LTC Rider; availability and definitions vary by product"
}
},
"additionalProperties": false
}
},
{
"if": {
"required": [
"product_type"
],
"properties": {
"product_type": {
"enum": [
"avul"
]
}
}
},
"then": {
"type": "object",
"allOf": [
{
"if": {
"required": [
"solve"
],
"properties": {
"solve": {
"enum": [
"DB Solve Cash Value at Age",
"Lapse Protection Death Benefit",
"Min Non-MEC DB",
"Specify Premium and Death Benefit",
"Target Death Benefit"
]
}
}
},
"then": {
"required": [
"premium"
]
}
},
{
"if": {
"required": [
"solve"
],
"properties": {
"solve": {
"enum": [
"Lapse Protection Premium",
"Maximum Non-MEC Premium",
"Premium Solve Cash Value at Age",
"Specify Premium and Death Benefit",
"Target Premium"
]
}
}
},
"then": {
"required": [
"death_benefit"
]
}
},
{
"if": {
"properties": {
"solve": {
"enum": [
"Base Premium"
]
}
}
},
"then": {
"required": [
"death_benefit"
]
}
},
{
"if": {
"required": [
"filter_chronic_illness_and_ltc"
],
"properties": {
"filter_chronic_illness_and_ltc": {
"enum": [
"With Chronic Illness/LTC Rider",
"With Full Chronic Illness/LTC Rider",
"With Chronic Illness Rider",
"With LTC Rider"
]
}
}
},
"then": {
"required": [
"ltc_rider_percentage"
]
}
},
{
"if": {
"required": [
"ltc_rider_percentage"
]
},
"then": {
"required": [
"filter_chronic_illness_and_ltc"
],
"properties": {
"filter_chronic_illness_and_ltc": {
"enum": [
"With Chronic Illness/LTC Rider",
"With Full Chronic Illness/LTC Rider",
"With Chronic Illness Rider",
"With LTC Rider"
]
}
}
}
},
{
"if": {
"required": [
"solve"
],
"properties": {
"solve": {
"enum": [
"Lapse Protection Death Benefit",
"Lapse Protection Premium"
]
}
}
},
"then": {
"required": [
"lapse_protection_to_age"
]
}
},
{
"if": {
"required": [
"solve"
],
"properties": {
"solve": {
"enum": [
"Premium Solve Cash Value at Age",
"DB Solve Cash Value at Age"
]
}
}
},
"then": {
"required": [
"age_value",
"cash_value"
]
}
}
],
"required": [
"state",
"birthdate",
"gender",
"health",
"smoker",
"mode",
"product_type",
"solve"
],
"properties": {
"mode": {
"enum": [
1,
2,
4,
12
],
"type": "integer",
"description": "Payments per year: annual, semiannual, quarterly, monthly"
},
"solve": {
"enum": [
"Base Premium",
"DB Solve Cash Value at Age",
"Lapse Protection Death Benefit",
"Lapse Protection Premium",
"Maximum Non-MEC Premium",
"Min Non-MEC DB",
"Premium Solve Cash Value at Age",
"Specify Premium and Death Benefit",
"Target Death Benefit",
"Target Premium"
],
"type": "string",
"description": "Quote objective; required for UL/IUL/VUL; other types default to Base Premium. Required solve inputs must be supplied by the user."
},
"state": {
"enum": [
"AL",
"AK",
"AZ",
"AR",
"CA",
"CO",
"CT",
"DE",
"DC",
"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",
"PR",
"RI",
"SC",
"SD",
"TN",
"TX",
"UT",
"VT",
"VA",
"WA",
"WV",
"WI",
"WY"
],
"type": "string"
},
"gender": {
"enum": [
"Male",
"Female"
],
"type": "string",
"description": "Carrier rating input, supplied by the user"
},
"health": {
"enum": [
6,
5,
4,
3,
2,
1,
-1,
-2,
-3,
-4,
-5,
-6,
-7,
-8,
-9,
-10,
-11,
-12,
-13,
-14,
-15,
-16,
-17,
-18,
-19,
-20
],
"type": "integer",
"description": "User-supplied assumed health value. Get product-specific labels from get_life_quote_requirements. Never infer underwriting eligibility."
},
"height": {
"type": "integer",
"maximum": 120,
"minimum": 1,
"description": "Optional height in inches"
},
"smoker": {
"enum": [
"Never",
"Previously",
"Currently"
],
"type": "string"
},
"usages": {
"type": "array",
"items": {
"type": "object",
"required": [
"status",
"category",
"frequency"
],
"properties": {
"status": {
"enum": [
"Previously",
"Currently"
],
"type": "string"
},
"category": {
"enum": [
"Cannabis",
"Chew",
"Cigarettes",
"Cigars",
"eCigarettes",
"Vape",
"Pipe"
],
"type": "string"
},
"frequency": {
"enum": [
365,
52,
12,
2
],
"type": "integer",
"description": "Uses per year: 2 less than monthly, 12 monthly, 52 weekly, 365 daily"
},
"last_use_date": {
"type": "string",
"format": "date",
"description": "Required for previous use"
}
},
"additionalProperties": false
},
"maxItems": 10
},
"weight": {
"type": "integer",
"maximum": 1500,
"minimum": 1,
"description": "Optional weight in pounds"
},
"premium": {
"type": "number",
"description": "Premium in USD at the requested payment frequency, for benefit/death-benefit solves",
"exclusiveMaximum": 1000000000,
"exclusiveMinimum": 0
},
"save_age": {
"type": "boolean",
"description": "Backdate to save age only when explicitly requested by the user"
},
"age_value": {
"type": "integer",
"maximum": 120,
"minimum": 1,
"description": "Target age for cash-value solves"
},
"birthdate": {
"type": "string",
"format": "date",
"description": "Date of birth, YYYY-MM-DD"
},
"loan_type": {
"enum": [
"Fixed",
"Variable"
],
"type": "string"
},
"cash_value": {
"type": "number",
"maximum": 1000000000,
"exclusiveMinimum": 0
},
"child_rider": {
"type": "boolean"
},
"income_solve": {
"enum": [
"Max",
"No"
],
"type": "string"
},
"pay_duration": {
"enum": [
-100,
-65,
-1,
1,
2,
3,
4,
5,
6,
7,
8,
9,
10,
11,
12,
13,
14,
15,
16,
17,
18,
19,
20,
21,
22,
23,
24,
25,
26,
27,
28,
29,
30,
31,
32,
33,
34,
35,
36,
37,
38,
39,
40,
41,
42,
43,
44,
45,
46,
47,
48,
49,
50,
51,
52,
53,
54,
55,
56,
57,
58,
59,
60,
61,
62,
63,
64,
65,
66,
67,
68,
69,
70,
71,
72,
73,
74,
75,
76,
77,
78,
79,
80,
81,
82,
83,
84,
85,
86,
87,
88,
89,
90,
91,
92,
93,
94,
95,
96,
97,
98,
99,
100,
101,
102,
103,
104,
105,
106,
107,
108,
109,
110,
111,
112,
113,
114,
115,
116,
117,
118,
119,
120
],
"type": "integer",
"description": "Payment years; -1 lifetime, -65 until age 65, -100 until age 100, 1 single pay"
},
"product_type": {
"enum": [
"avul"
],
"type": "string"
},
"death_benefit": {
"type": "integer",
"maximum": 100000000,
"minimum": 5000
},
"income_end_age": {
"type": "integer",
"maximum": 120,
"minimum": 1
},
"living_benefits": {
"type": "boolean"
},
"income_start_age": {
"type": "integer",
"maximum": 120,
"minimum": 1
},
"child_rider_units": {
"type": "integer",
"maximum": 100,
"minimum": 1
},
"waiver_of_premium": {
"type": "boolean"
},
"ltc_rider_percentage": {
"type": "number",
"maximum": 100,
"description": "Requested monthly acceleration percentage; carrier-specific limits apply",
"exclusiveMinimum": 0
},
"lapse_protection_to_age": {
"type": "integer",
"maximum": 120,
"minimum": 1
},
"crediting_rate_requested": {
"type": "number",
"maximum": 0.2,
"minimum": 0.01,
"description": "Optional assumed illustration rate as a decimal; not a guaranteed return"
},
"filter_chronic_illness_and_ltc": {
"enum": [
"With Chronic Illness/LTC Rider",
"With Full Chronic Illness/LTC Rider",
"With Chronic Illness Rider",
"With LTC Rider",
"Without Chronic Illness/LTC Rider"
],
"type": "string",
"description": "Explicit rider filter, including With LTC Rider; availability and definitions vary by product"
}
},
"additionalProperties": false
}
},
{
"if": {
"required": [
"product_type"
],
"properties": {
"product_type": {
"enum": [
"whole_life"
]
}
}
},
"then": {
"type": "object",
"allOf": [
{
"if": {
"required": [
"solve"
],
"properties": {
"solve": {
"enum": [
"Base Death Benefit"
]
}
}
},
"then": {
"required": [
"premium"
]
}
},
{
"if": {
"properties": {
"solve": {
"enum": [
"Base Premium"
]
}
}
},
"then": {
"required": [
"death_benefit"
]
}
},
{
"if": {
"required": [
"filter_chronic_illness_and_ltc"
],
"properties": {
"filter_chronic_illness_and_ltc": {
"enum": [
"With Chronic Illness/LTC Rider",
"With Full Chronic Illness/LTC Rider",
"With Chronic Illness Rider",
"With LTC Rider"
]
}
}
},
"then": {
"required": [
"ltc_rider_percentage"
]
}
},
{
"if": {
"required": [
"ltc_rider_percentage"
]
},
"then": {
"required": [
"filter_chronic_illness_and_ltc"
],
"properties": {
"filter_chronic_illness_and_ltc": {
"enum": [
"With Chronic Illness/LTC Rider",
"With Full Chronic Illness/LTC Rider",
"With Chronic Illness Rider",
"With LTC Rider"
]
}
}
}
}
],
"required": [
"state",
"birthdate",
"gender",
"health",
"smoker",
"mode",
"product_type"
],
"properties": {
"mode": {
"enum": [
1,
2,
4,
12
],
"type": "integer",
"description": "Payments per year: annual, semiannual, quarterly, monthly"
},
"solve": {
"enum": [
"Base Premium",
"Base Death Benefit"
],
"type": "string",
"description": "Quote objective; required for UL/IUL/VUL; other types default to Base Premium. Required solve inputs must be supplied by the user."
},
"state": {
"enum": [
"AL",
"AK",
"AZ",
"AR",
"CA",
"CO",
"CT",
"DE",
"DC",
"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",
"PR",
"RI",
"SC",
"SD",
"TN",
"TX",
"UT",
"VT",
"VA",
"WA",
"WV",
"WI",
"WY"
],
"type": "string"
},
"gender": {
"enum": [
"Male",
"Female"
],
"type": "string",
"description": "Carrier rating input, supplied by the user"
},
"health": {
"enum": [
6,
5,
4,
3,
2,
1,
-1,
-2,
-3,
-4,
-5,
-6,
-7,
-8,
-9,
-10,
-11,
-12,
-13,
-14,
-15,
-16,
-17,
-18,
-19,
-20
],
"type": "integer",
"description": "User-supplied assumed health value. Get product-specific labels from get_life_quote_requirements. Never infer underwriting eligibility."
},
"height": {
"type": "integer",
"maximum": 120,
"minimum": 1,
"description": "Optional height in inches"
},
"smoker": {
"enum": [
"Never",
"Previously",
"Currently"
],
"type": "string"
},
"usages": {
"type": "array",
"items": {
"type": "object",
"required": [
"status",
"category",
"frequency"
],
"properties": {
"status": {
"enum": [
"Previously",
"Currently"
],
"type": "string"
},
"category": {
"enum": [
"Cannabis",
"Chew",
"Cigarettes",
"Cigars",
"eCigarettes",
"Vape",
"Pipe"
],
"type": "string"
},
"frequency": {
"enum": [
365,
52,
12,
2
],
"type": "integer",
"description": "Uses per year: 2 less than monthly, 12 monthly, 52 weekly, 365 daily"
},
"last_use_date": {
"type": "string",
"format": "date",
"description": "Required for previous use"
}
},
"additionalProperties": false
},
"maxItems": 10
},
"weight": {
"type": "integer",
"maximum": 1500,
"minimum": 1,
"description": "Optional weight in pounds"
},
"premium": {
"type": "number",
"description": "Premium in USD at the requested payment frequency, for benefit/death-benefit solves",
"exclusiveMaximum": 1000000000,
"exclusiveMinimum": 0
},
"save_age": {
"type": "boolean",
"description": "Backdate to save age only when explicitly requested by the user"
},
"birthdate": {
"type": "string",
"format": "date",
"description": "Date of birth, YYYY-MM-DD"
},
"child_rider": {
"type": "boolean"
},
"pay_duration": {
"enum": [
-100,
-65,
-1,
1,
2,
3,
4,
5,
6,
7,
8,
9,
10,
11,
12,
13,
14,
15,
16,
17,
18,
19,
20,
21,
22,
23,
24,
25,
26,
27,
28,
29,
30,
31,
32,
33,
34,
35,
36,
37,
38,
39,
40,
41,
42,
43,
44,
45,
46,
47,
48,
49,
50,
51,
52,
53,
54,
55,
56,
57,
58,
59,
60,
61,
62,
63,
64,
65,
66,
67,
68,
69,
70,
71,
72,
73,
74,
75,
76,
77,
78,
79,
80,
81,
82,
83,
84,
85,
86,
87,
88,
89,
90,
91,
92,
93,
94,
95,
96,
97,
98,
99,
100,
101,
102,
103,
104,
105,
106,
107,
108,
109,
110,
111,
112,
113,
114,
115,
116,
117,
118,
119,
120
],
"type": "integer",
"description": "Payment years; -1 lifetime, -65 until age 65, -100 until age 100, 1 single pay"
},
"product_type": {
"enum": [
"whole_life"
],
"type": "string"
},
"death_benefit": {
"type": "integer",
"maximum": 100000000,
"minimum": 5000
},
"living_benefits": {
"type": "boolean"
},
"child_rider_units": {
"type": "integer",
"maximum": 100,
"minimum": 1
},
"waiver_of_premium": {
"type": "boolean"
},
"ltc_rider_percentage": {
"type": "number",
"maximum": 100,
"description": "Requested monthly acceleration percentage; carrier-specific limits apply",
"exclusiveMinimum": 0
},
"filter_chronic_illness_and_ltc": {
"enum": [
"With Chronic Illness/LTC Rider",
"With Full Chronic Illness/LTC Rider",
"With Chronic Illness Rider",
"With LTC Rider",
"Without Chronic Illness/LTC Rider"
],
"type": "string",
"description": "Explicit rider filter, including With LTC Rider; availability and definitions vary by product"
}
},
"additionalProperties": false
}
},
{
"if": {
"required": [
"product_type"
],
"properties": {
"product_type": {
"enum": [
"linked_benefit"
]
}
}
},
"then": {
"type": "object",
"allOf": [
{
"if": {
"required": [
"solve"
],
"properties": {
"solve": {
"enum": [
"Base Death Benefit"
]
}
}
},
"then": {
"required": [
"premium"
]
}
},
{
"if": {
"properties": {
"solve": {
"enum": [
"Base Premium"
]
}
}
},
"then": {
"required": [
"monthly_benefit"
]
}
},
{
"if": {
"required": [
"use_pool_of_money"
],
"properties": {
"use_pool_of_money": {
"const": true
}
}
},
"then": {
"required": [
"pool_of_money"
]
}
},
{
"if": {
"required": [
"solve"
],
"properties": {
"solve": {
"enum": [
"LTC Benefit"
]
}
}
},
"then": {
"required": [
"premium"
]
}
},
{
"if": {
"required": [
"partner_discount"
],
"properties": {
"partner_discount": {
"enum": [
"both"
]
}
}
},
"then": {
"required": [
"joint_party"
]
}
},
{
"if": {
"required": [
"joint_party"
]
},
"then": {
"required": [
"partner_discount"
],
"properties": {
"partner_discount": {
"enum": [
"both"
]
}
}
}
}
],
"required": [
"state",
"birthdate",
"gender",
"health",
"smoker",
"mode",
"product_type",
"benefit_period"
],
"properties": {
"mode": {
"enum": [
1,
2,
4,
12
],
"type": "integer",
"description": "Payments per year: annual, semiannual, quarterly, monthly"
},
"solve": {
"enum": [
"Base Premium",
"Base Death Benefit",
"LTC Benefit"
],
"type": "string",
"description": "Quote objective; required for UL/IUL/VUL; other types default to Base Premium. Required solve inputs must be supplied by the user."
},
"state": {
"enum": [
"AL",
"AK",
"AZ",
"AR",
"CA",
"CO",
"CT",
"DE",
"DC",
"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",
"PR",
"RI",
"SC",
"SD",
"TN",
"TX",
"UT",
"VT",
"VA",
"WA",
"WV",
"WI",
"WY"
],
"type": "string"
},
"gender": {
"enum": [
"Male",
"Female"
],
"type": "string",
"description": "Carrier rating input, supplied by the user"
},
"health": {
"enum": [
6,
5,
4,
3,
2,
1,
-1,
-2,
-3,
-4,
-5,
-6,
-7,
-8,
-9,
-10,
-11,
-12,
-13,
-14,
-15,
-16,
-17,
-18,
-19,
-20
],
"type": "integer",
"description": "User-supplied assumed health value. Get product-specific labels from get_life_quote_requirements. Never infer underwriting eligibility."
},
"height": {
"type": "integer",
"maximum": 120,
"minimum": 1,
"description": "Optional height in inches"
},
"smoker": {
"enum": [
"Never",
"Previously",
"Currently"
],
"type": "string"
},
"usages": {
"type": "array",
"items": {
"type": "object",
"required": [
"status",
"category",
"frequency"
],
"properties": {
"status": {
"enum": [
"Previously",
"Currently"
],
"type": "string"
},
"category": {
"enum": [
"Cannabis",
"Chew",
"Cigarettes",
"Cigars",
"eCigarettes",
"Vape",
"Pipe"
],
"type": "string"
},
"frequency": {
"enum": [
365,
52,
12,
2
],
"type": "integer",
"description": "Uses per year: 2 less than monthly, 12 monthly, 52 weekly, 365 daily"
},
"last_use_date": {
"type": "string",
"format": "date",
"description": "Required for previous use"
}
},
"additionalProperties": false
},
"maxItems": 10
},
"weight": {
"type": "integer",
"maximum": 1500,
"minimum": 1,
"description": "Optional weight in pounds"
},
"premium": {
"type": "number",
"description": "Premium in USD at the requested payment frequency, for benefit/death-benefit solves",
"exclusiveMaximum": 1000000000,
"exclusiveMinimum": 0
},
"discount": {
"enum": [
null,
"Association",
"Employer",
"Producer"
],
"type": [
"string",
"null"
]
},
"save_age": {
"type": "boolean",
"description": "Backdate to save age only when explicitly requested by the user"
},
"birthdate": {
"type": "string",
"format": "date",
"description": "Date of birth, YYYY-MM-DD"
},
"child_rider": {
"type": "boolean"
},
"joint_party": {
"type": "object",
"required": [
"birthdate",
"gender",
"health",
"smoker"
],
"properties": {
"gender": {
"enum": [
"Male",
"Female"
],
"type": "string",
"description": "Carrier rating input, supplied by the user"
},
"health": {
"enum": [
6,
5,
4,
3,
2,
1,
-1,
-2,
-3,
-4,
-5,
-6,
-7,
-8,
-9,
-10,
-11,
-12,
-13,
-14,
-15,
-16,
-17,
-18,
-19,
-20
],
"type": "integer",
"description": "User-supplied assumed health value. Read product-specific labels from get_life_quote_requirements; never infer eligibility."
},
"height": {
"type": "integer",
"maximum": 120,
"minimum": 1,
"description": "Optional height in inches"
},
"smoker": {
"enum": [
"Never",
"Previously",
"Currently"
],
"type": "string"
},
"usages": {
"type": "array",
"items": {
"type": "object",
"required": [
"status",
"category",
"frequency"
],
"properties": {
"status": {
"enum": [
"Previously",
"Currently"
],
"type": "string"
},
"category": {
"enum": [
"Cannabis",
"Chew",
"Cigarettes",
"Cigars",
"eCigarettes",
"Vape",
"Pipe"
],
"type": "string"
},
"frequency": {
"enum": [
365,
52,
12,
2
],
"type": "integer",
"description": "Uses per year: 2 less than monthly, 12 monthly, 52 weekly, 365 daily"
},
"last_use_date": {
"type": "string",
"format": "date",
"description": "Required for previous use"
}
},
"additionalProperties": false
},
"maxItems": 10
},
"weight": {
"type": "integer",
"maximum": 1500,
"minimum": 1,
"description": "Optional weight in pounds"
},
"birthdate": {
"type": "string",
"format": "date",
"description": "Date of birth, YYYY-MM-DD"
}
},
"additionalProperties": false
},
"shared_care": {
"type": "boolean"
},
"pay_duration": {
"enum": [
-100,
-65,
-1,
1,
2,
3,
4,
5,
6,
7,
8,
9,
10,
11,
12,
13,
14,
15,
16,
17,
18,
19,
20,
21,
22,
23,
24,
25,
26,
27,
28,
29,
30,
31,
32,
33,
34,
35,
36,
37,
38,
39,
40,
41,
42,
43,
44,
45,
46,
47,
48,
49,
50,
51,
52,
53,
54,
55,
56,
57,
58,
59,
60,
61,
62,
63,
64,
65,
66,
67,
68,
69,
70,
71,
72,
73,
74,
75,
76,
77,
78,
79,
80,
81,
82,
83,
84,
85,
86,
87,
88,
89,
90,
91,
92,
93,
94,
95,
96,
97,
98,
99,
100,
101,
102,
103,
104,
105,
106,
107,
108,
109,
110,
111,
112,
113,
114,
115,
116,
117,
118,
119,
120
],
"type": "integer",
"description": "Payment years; -1 lifetime, -65 until age 65, -100 until age 100, 1 single pay"
},
"product_type": {
"enum": [
"linked_benefit"
],
"type": "string"
},
"death_benefit": {
"type": "integer",
"maximum": 100000000,
"minimum": 5000
},
"pool_of_money": {
"type": "number",
"maximum": 1000000000,
"exclusiveMinimum": 0
},
"benefit_period": {
"enum": [
-1,
1,
2,
3,
4,
5,
6,
7,
8,
9,
10,
11,
12,
13,
14,
15,
16,
17,
18,
19,
20,
21,
22,
23,
24,
25,
26,
27,
28,
29,
30,
31,
32,
33,
34,
35,
36,
37,
38,
39,
40,
41,
42,
43,
44,
45,
46,
47,
48,
49,
50,
51,
52,
53,
54,
55,
56,
57,
58,
59,
60,
61,
62,
63,
64,
65,
66,
67,
68,
69,
70,
71,
72,
73,
74,
75,
76,
77,
78,
79,
80,
81,
82,
83,
84,
85,
86,
87,
88,
89,
90,
91,
92,
93,
94,
95,
96,
97,
98,
99
],
"type": "integer",
"description": "Benefit years; -1 unlimited where supported"
},
"marital_status": {
"enum": [
"Married",
"Domestic Partner",
"Single"
],
"type": "string"
},
"living_benefits": {
"type": "boolean"
},
"monthly_benefit": {
"type": "number",
"maximum": 100000000,
"description": "Requested monthly care benefit in USD, for Base Premium solves",
"exclusiveMinimum": 0
},
"partner_discount": {
"enum": [
"both",
"one",
null
],
"type": [
"string",
"null"
]
},
"child_rider_units": {
"type": "integer",
"maximum": 100,
"minimum": 1
},
"use_pool_of_money": {
"type": "boolean"
},
"waiver_of_premium": {
"type": "boolean"
},
"elimination_period": {
"enum": [
0,
30,
60,
90,
180,
365
],
"type": "integer",
"description": "Waiting period in days"
},
"inflation_percentage": {
"enum": [
null,
"1% Compound",
"2% Compound",
"3% Compound",
"3% Simple",
"4% Compound",
"5% Compound"
],
"type": [
"string",
"null"
]
},
"home_health_care_waiver": {
"type": "boolean"
},
"joint_waiver_of_premium": {
"type": "boolean"
},
"return_of_premium_rider": {
"enum": [
"Limited",
"Limited Surrender",
"Full",
"Full Surrender",
"One Time Step-Up",
"Vested",
null
],
"type": [
"string",
"null"
]
}
},
"additionalProperties": false
}
},
{
"if": {
"required": [
"product_type"
],
"properties": {
"product_type": {
"enum": [
"ltc"
]
}
}
},
"then": {
"type": "object",
"allOf": [
{
"if": {
"properties": {
"solve": {
"enum": [
"Base Premium"
]
}
}
},
"then": {
"required": [
"monthly_benefit"
]
}
},
{
"if": {
"required": [
"use_pool_of_money"
],
"properties": {
"use_pool_of_money": {
"const": true
}
}
},
"then": {
"required": [
"pool_of_money"
]
}
},
{
"if": {
"required": [
"solve"
],
"properties": {
"solve": {
"enum": [
"LTC Benefit"
]
}
}
},
"then": {
"required": [
"premium"
]
}
},
{
"if": {
"required": [
"partner_discount"
],
"properties": {
"partner_discount": {
"enum": [
"both"
]
}
}
},
"then": {
"required": [
"joint_party"
]
}
},
{
"if": {
"required": [
"joint_party"
]
},
"then": {
"required": [
"partner_discount"
],
"properties": {
"partner_discount": {
"enum": [
"both"
]
}
}
}
},
{
"required": [
"elimination_period"
]
}
],
"required": [
"state",
"birthdate",
"gender",
"health",
"smoker",
"mode",
"product_type",
"benefit_period"
],
"properties": {
"mode": {
"enum": [
1,
2,
4,
12
],
"type": "integer",
"description": "Payments per year: annual, semiannual, quarterly, monthly"
},
"solve": {
"enum": [
"Base Premium",
"LTC Benefit"
],
"type": "string",
"description": "Quote objective; required for UL/IUL/VUL; other types default to Base Premium. Required solve inputs must be supplied by the user."
},
"state": {
"enum": [
"AL",
"AK",
"AZ",
"AR",
"CA",
"CO",
"CT",
"DE",
"DC",
"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",
"PR",
"RI",
"SC",
"SD",
"TN",
"TX",
"UT",
"VT",
"VA",
"WA",
"WV",
"WI",
"WY"
],
"type": "string"
},
"gender": {
"enum": [
"Male",
"Female"
],
"type": "string",
"description": "Carrier rating input, supplied by the user"
},
"health": {
"enum": [
6,
5,
4,
3,
2,
1,
-1,
-2,
-3,
-4,
-5,
-6,
-7,
-8
],
"type": "integer",
"description": "User-supplied assumed health value. Get product-specific labels from get_life_quote_requirements. Never infer underwriting eligibility."
},
"height": {
"type": "integer",
"maximum": 120,
"minimum": 1,
"description": "Optional height in inches"
},
"smoker": {
"enum": [
"Never",
"Previously",
"Currently"
],
"type": "string"
},
"usages": {
"type": "array",
"items": {
"type": "object",
"required": [
"status",
"category",
"frequency"
],
"properties": {
"status": {
"enum": [
"Previously",
"Currently"
],
"type": "string"
},
"category": {
"enum": [
"Cannabis",
"Chew",
"Cigarettes",
"Cigars",
"eCigarettes",
"Vape",
"Pipe"
],
"type": "string"
},
"frequency": {
"enum": [
365,
52,
12,
2
],
"type": "integer",
"description": "Uses per year: 2 less than monthly, 12 monthly, 52 weekly, 365 daily"
},
"last_use_date": {
"type": "string",
"format": "date",
"description": "Required for previous use"
}
},
"additionalProperties": false
},
"maxItems": 10
},
"weight": {
"type": "integer",
"maximum": 1500,
"minimum": 1,
"description": "Optional weight in pounds"
},
"premium": {
"type": "number",
"description": "Premium in USD at the requested payment frequency, for benefit/death-benefit solves",
"exclusiveMaximum": 1000000000,
"exclusiveMinimum": 0
},
"discount": {
"enum": [
null,
"Association",
"Employer",
"Producer"
],
"type": [
"string",
"null"
]
},
"save_age": {
"type": "boolean",
"description": "Backdate to save age only when explicitly requested by the user"
},
"birthdate": {
"type": "string",
"format": "date",
"description": "Date of birth, YYYY-MM-DD"
},
"child_rider": {
"type": "boolean"
},
"joint_party": {
"type": "object",
"required": [
"birthdate",
"gender",
"health",
"smoker"
],
"properties": {
"gender": {
"enum": [
"Male",
"Female"
],
"type": "string",
"description": "Carrier rating input, supplied by the user"
},
"health": {
"enum": [
6,
5,
4,
3,
2,
1,
-1,
-2,
-3,
-4,
-5,
-6,
-7,
-8
],
"type": "integer",
"description": "User-supplied assumed health value. Read product-specific labels from get_life_quote_requirements; never infer eligibility."
},
"height": {
"type": "integer",
"maximum": 120,
"minimum": 1,
"description": "Optional height in inches"
},
"smoker": {
"enum": [
"Never",
"Previously",
"Currently"
],
"type": "string"
},
"usages": {
"type": "array",
"items": {
"type": "object",
"required": [
"status",
"category",
"frequency"
],
"properties": {
"status": {
"enum": [
"Previously",
"Currently"
],
"type": "string"
},
"category": {
"enum": [
"Cannabis",
"Chew",
"Cigarettes",
"Cigars",
"eCigarettes",
"Vape",
"Pipe"
],
"type": "string"
},
"frequency": {
"enum": [
365,
52,
12,
2
],
"type": "integer",
"description": "Uses per year: 2 less than monthly, 12 monthly, 52 weekly, 365 daily"
},
"last_use_date": {
"type": "string",
"format": "date",
"description": "Required for previous use"
}
},
"additionalProperties": false
},
"maxItems": 10
},
"weight": {
"type": "integer",
"maximum": 1500,
"minimum": 1,
"description": "Optional weight in pounds"
},
"birthdate": {
"type": "string",
"format": "date",
"description": "Date of birth, YYYY-MM-DD"
}
},
"additionalProperties": false
},
"shared_care": {
"type": "boolean"
},
"pay_duration": {
"enum": [
-100,
-65,
-1,
1,
2,
3,
4,
5,
6,
7,
8,
9,
10,
11,
12,
13,
14,
15,
16,
17,
18,
19,
20,
21,
22,
23,
24,
25,
26,
27,
28,
29,
30,
31,
32,
33,
34,
35,
36,
37,
38,
39,
40,
41,
42,
43,
44,
45,
46,
47,
48,
49,
50,
51,
52,
53,
54,
55,
56,
57,
58,
59,
60,
61,
62,
63,
64,
65,
66,
67,
68,
69,
70,
71,
72,
73,
74,
75,
76,
77,
78,
79,
80,
81,
82,
83,
84,
85,
86,
87,
88,
89,
90,
91,
92,
93,
94,
95,
96,
97,
98,
99,
100,
101,
102,
103,
104,
105,
106,
107,
108,
109,
110,
111,
112,
113,
114,
115,
116,
117,
118,
119,
120
],
"type": "integer",
"description": "Payment years; -1 lifetime, -65 until age 65, -100 until age 100, 1 single pay"
},
"product_type": {
"enum": [
"ltc"
],
"type": "string"
},
"death_benefit": {
"type": "integer",
"maximum": 100000000,
"minimum": 5000
},
"pool_of_money": {
"type": "number",
"maximum": 1000000000,
"exclusiveMinimum": 0
},
"benefit_period": {
"enum": [
-1,
1,
2,
3,
4,
5,
6,
7,
8,
9,
10,
11,
12,
13,
14,
15,
16,
17,
18,
19,
20,
21,
22,
23,
24,
25,
26,
27,
28,
29,
30,
31,
32,
33,
34,
35,
36,
37,
38,
39,
40,
41,
42,
43,
44,
45,
46,
47,
48,
49,
50,
51,
52,
53,
54,
55,
56,
57,
58,
59,
60,
61,
62,
63,
64,
65,
66,
67,
68,
69,
70,
71,
72,
73,
74,
75,
76,
77,
78,
79,
80,
81,
82,
83,
84,
85,
86,
87,
88,
89,
90,
91,
92,
93,
94,
95,
96,
97,
98,
99
],
"type": "integer",
"description": "Benefit years; -1 unlimited where supported"
},
"marital_status": {
"enum": [
"Married",
"Domestic Partner",
"Single"
],
"type": "string"
},
"living_benefits": {
"type": "boolean"
},
"monthly_benefit": {
"type": "number",
"maximum": 100000000,
"description": "Requested monthly care benefit in USD, for Base Premium solves",
"exclusiveMinimum": 0
},
"partner_discount": {
"enum": [
"both",
"one",
null
],
"type": [
"string",
"null"
]
},
"child_rider_units": {
"type": "integer",
"maximum": 100,
"minimum": 1
},
"use_pool_of_money": {
"type": "boolean"
},
"waiver_of_premium": {
"type": "boolean"
},
"elimination_period": {
"enum": [
0,
30,
60,
90,
180,
365
],
"type": "integer",
"description": "Waiting period in days"
},
"inflation_percentage": {
"enum": [
null,
"1% Compound",
"2% Compound",
"3% Compound",
"3% Simple",
"4% Compound",
"5% Compound"
],
"type": [
"string",
"null"
]
},
"home_health_care_waiver": {
"type": "boolean"
},
"joint_waiver_of_premium": {
"type": "boolean"
},
"return_of_premium_rider": {
"enum": [
"Limited",
"Limited Surrender",
"Full",
"Full Surrender",
"One Time Step-Up",
"Vested",
null
],
"type": [
"string",
"null"
]
}
},
"additionalProperties": false
}
},
{
"if": {
"required": [
"product_type"
],
"properties": {
"product_type": {
"enum": [
"accidental_death"
]
}
}
},
"then": {
"type": "object",
"allOf": [
{
"if": {
"properties": {
"solve": {
"enum": [
"Base Premium"
]
}
}
},
"then": {
"required": [
"death_benefit"
]
}
}
],
"required": [
"state",
"birthdate",
"gender",
"smoker",
"mode",
"product_type"
],
"properties": {
"mode": {
"enum": [
1,
2,
4,
12
],
"type": "integer",
"description": "Payments per year: annual, semiannual, quarterly, monthly"
},
"solve": {
"enum": [
"Base Premium"
],
"type": "string",
"description": "Quote objective; required for UL/IUL/VUL; other types default to Base Premium. Required solve inputs must be supplied by the user."
},
"state": {
"enum": [
"AL",
"AK",
"AZ",
"AR",
"CA",
"CO",
"CT",
"DE",
"DC",
"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",
"PR",
"RI",
"SC",
"SD",
"TN",
"TX",
"UT",
"VT",
"VA",
"WA",
"WV",
"WI",
"WY"
],
"type": "string"
},
"gender": {
"enum": [
"Male",
"Female"
],
"type": "string",
"description": "Carrier rating input, supplied by the user"
},
"health": {
"enum": [
6,
5,
4,
3,
2,
1,
-1,
-2,
-3,
-4,
-5,
-6,
-7,
-8,
-9,
-10,
-11,
-12,
-13,
-14,
-15,
-16,
-17,
-18,
-19,
-20
],
"type": "integer",
"description": "User-supplied assumed health value. Get product-specific labels from get_life_quote_requirements. Never infer underwriting eligibility."
},
"height": {
"type": "integer",
"maximum": 120,
"minimum": 1,
"description": "Optional height in inches"
},
"smoker": {
"enum": [
"Never",
"Previously",
"Currently"
],
"type": "string"
},
"usages": {
"type": "array",
"items": {
"type": "object",
"required": [
"status",
"category",
"frequency"
],
"properties": {
"status": {
"enum": [
"Previously",
"Currently"
],
"type": "string"
},
"category": {
"enum": [
"Cannabis",
"Chew",
"Cigarettes",
"Cigars",
"eCigarettes",
"Vape",
"Pipe"
],
"type": "string"
},
"frequency": {
"enum": [
365,
52,
12,
2
],
"type": "integer",
"description": "Uses per year: 2 less than monthly, 12 monthly, 52 weekly, 365 daily"
},
"last_use_date": {
"type": "string",
"format": "date",
"description": "Required for previous use"
}
},
"additionalProperties": false
},
"maxItems": 10
},
"weight": {
"type": "integer",
"maximum": 1500,
"minimum": 1,
"description": "Optional weight in pounds"
},
"premium": {
"type": "number",
"description": "Premium in USD at the requested payment frequency, for benefit/death-benefit solves",
"exclusiveMaximum": 1000000000,
"exclusiveMinimum": 0
},
"save_age": {
"type": "boolean",
"description": "Backdate to save age only when explicitly requested by the user"
},
"birthdate": {
"type": "string",
"format": "date",
"description": "Date of birth, YYYY-MM-DD"
},
"child_rider": {
"type": "boolean"
},
"pay_duration": {
"enum": [
-100,
-65,
-1,
1,
2,
3,
4,
5,
6,
7,
8,
9,
10,
11,
12,
13,
14,
15,
16,
17,
18,
19,
20,
21,
22,
23,
24,
25,
26,
27,
28,
29,
30,
31,
32,
33,
34,
35,
36,
37,
38,
39,
40,
41,
42,
43,
44,
45,
46,
47,
48,
49,
50,
51,
52,
53,
54,
55,
56,
57,
58,
59,
60,
61,
62,
63,
64,
65,
66,
67,
68,
69,
70,
71,
72,
73,
74,
75,
76,
77,
78,
79,
80,
81,
82,
83,
84,
85,
86,
87,
88,
89,
90,
91,
92,
93,
94,
95,
96,
97,
98,
99,
100,
101,
102,
103,
104,
105,
106,
107,
108,
109,
110,
111,
112,
113,
114,
115,
116,
117,
118,
119,
120
],
"type": "integer",
"description": "Payment years; -1 lifetime, -65 until age 65, -100 until age 100, 1 single pay"
},
"product_type": {
"enum": [
"accidental_death"
],
"type": "string"
},
"death_benefit": {
"type": "integer",
"maximum": 100000000,
"minimum": 5000
},
"living_benefits": {
"type": "boolean"
},
"child_rider_units": {
"type": "integer",
"maximum": 100,
"minimum": 1
},
"waiver_of_premium": {
"type": "boolean"
}
},
"additionalProperties": false
}
}
],
"required": [
"product_type",
"state",
"birthdate",
"gender",
"smoker",
"mode"
],
"properties": {
"mode": {
"enum": [
1,
2,
4,
12
],
"type": "integer",
"description": "Payments per year: annual, semiannual, quarterly, monthly"
},
"solve": {
"enum": [
"Base Premium",
"DB Solve Cash Value at Age",
"Lapse Protection Death Benefit",
"Lapse Protection Premium",
"Maximum Non-MEC Premium",
"Min Non-MEC DB",
"Premium Solve Cash Value at Age",
"Specify Premium and Death Benefit",
"Target Death Benefit",
"Target Premium",
"Base Death Benefit",
"LTC Benefit"
],
"type": "string"
},
"state": {
"enum": [
"AL",
"AK",
"AZ",
"AR",
"CA",
"CO",
"CT",
"DE",
"DC",
"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",
"PR",
"RI",
"SC",
"SD",
"TN",
"TX",
"UT",
"VT",
"VA",
"WA",
"WV",
"WI",
"WY"
],
"type": "string"
},
"gender": {
"enum": [
"Male",
"Female"
],
"type": "string",
"description": "Carrier rating input, supplied by the user"
},
"health": {
"enum": [
6,
5,
4,
3,
2,
1,
-1,
-2,
-3,
-4,
-5,
-6,
-7,
-8,
-9,
-10,
-11,
-12,
-13,
-14,
-15,
-16,
-17,
-18,
-19,
-20
],
"type": "integer",
"description": "User-supplied assumed health value. Get product-specific labels from get_life_quote_requirements. Never infer underwriting eligibility."
},
"height": {
"type": "integer",
"maximum": 120,
"minimum": 1,
"description": "Optional height in inches"
},
"smoker": {
"enum": [
"Never",
"Previously",
"Currently"
],
"type": "string"
},
"usages": {
"type": "array",
"items": {
"type": "object",
"required": [
"status",
"category",
"frequency"
],
"properties": {
"status": {
"enum": [
"Previously",
"Currently"
],
"type": "string"
},
"category": {
"enum": [
"Cannabis",
"Chew",
"Cigarettes",
"Cigars",
"eCigarettes",
"Vape",
"Pipe"
],
"type": "string"
},
"frequency": {
"enum": [
365,
52,
12,
2
],
"type": "integer",
"description": "Uses per year: 2 less than monthly, 12 monthly, 52 weekly, 365 daily"
},
"last_use_date": {
"type": "string",
"format": "date",
"description": "Required for previous use"
}
},
"additionalProperties": false
},
"maxItems": 10
},
"weight": {
"type": "integer",
"maximum": 1500,
"minimum": 1,
"description": "Optional weight in pounds"
},
"premium": {
"type": "number",
"description": "Premium in USD at the requested payment frequency, for benefit/death-benefit solves",
"exclusiveMaximum": 1000000000,
"exclusiveMinimum": 0
},
"discount": {
"enum": [
null,
"Association",
"Employer",
"Producer"
],
"type": [
"string",
"null"
]
},
"save_age": {
"type": "boolean",
"description": "Backdate to save age only when explicitly requested by the user"
},
"age_value": {
"type": "integer",
"maximum": 120,
"minimum": 1,
"description": "Target age for cash-value solves"
},
"birthdate": {
"type": "string",
"format": "date",
"description": "Date of birth, YYYY-MM-DD"
},
"loan_type": {
"enum": [
"Fixed",
"Variable"
],
"type": "string"
},
"cash_value": {
"type": "number",
"maximum": 1000000000,
"exclusiveMinimum": 0
},
"child_rider": {
"type": "boolean"
},
"joint_party": {
"type": "object",
"required": [
"birthdate",
"gender",
"health",
"smoker"
],
"properties": {
"gender": {
"enum": [
"Male",
"Female"
],
"type": "string",
"description": "Carrier rating input, supplied by the user"
},
"health": {
"enum": [
6,
5,
4,
3,
2,
1,
-1,
-2,
-3,
-4,
-5,
-6,
-7,
-8
],
"type": "integer",
"description": "User-supplied assumed health value. Read product-specific labels from get_life_quote_requirements; never infer eligibility."
},
"height": {
"type": "integer",
"maximum": 120,
"minimum": 1,
"description": "Optional height in inches"
},
"smoker": {
"enum": [
"Never",
"Previously",
"Currently"
],
"type": "string"
},
"usages": {
"type": "array",
"items": {
"type": "object",
"required": [
"status",
"category",
"frequency"
],
"properties": {
"status": {
"enum": [
"Previously",
"Currently"
],
"type": "string"
},
"category": {
"enum": [
"Cannabis",
"Chew",
"Cigarettes",
"Cigars",
"eCigarettes",
"Vape",
"Pipe"
],
"type": "string"
},
"frequency": {
"enum": [
365,
52,
12,
2
],
"type": "integer",
"description": "Uses per year: 2 less than monthly, 12 monthly, 52 weekly, 365 daily"
},
"last_use_date": {
"type": "string",
"format": "date",
"description": "Required for previous use"
}
},
"additionalProperties": false
},
"maxItems": 10
},
"weight": {
"type": "integer",
"maximum": 1500,
"minimum": 1,
"description": "Optional weight in pounds"
},
"birthdate": {
"type": "string",
"format": "date",
"description": "Date of birth, YYYY-MM-DD"
}
},
"additionalProperties": false
},
"shared_care": {
"type": "boolean"
},
"income_solve": {
"enum": [
"Max",
"No"
],
"type": "string"
},
"pay_duration": {
"enum": [
-100,
-65,
-1,
1,
2,
3,
4,
5,
6,
7,
8,
9,
10,
11,
12,
13,
14,
15,
16,
17,
18,
19,
20,
21,
22,
23,
24,
25,
26,
27,
28,
29,
30,
31,
32,
33,
34,
35,
36,
37,
38,
39,
40,
41,
42,
43,
44,
45,
46,
47,
48,
49,
50,
51,
52,
53,
54,
55,
56,
57,
58,
59,
60,
61,
62,
63,
64,
65,
66,
67,
68,
69,
70,
71,
72,
73,
74,
75,
76,
77,
78,
79,
80,
81,
82,
83,
84,
85,
86,
87,
88,
89,
90,
91,
92,
93,
94,
95,
96,
97,
98,
99,
100,
101,
102,
103,
104,
105,
106,
107,
108,
109,
110,
111,
112,
113,
114,
115,
116,
117,
118,
119,
120
],
"type": "integer",
"description": "Payment years; -1 lifetime, -65 until age 65, -100 until age 100, 1 single pay"
},
"product_type": {
"enum": [
"term",
"non_med",
"rop_term",
"fex",
"ul",
"iul",
"piul",
"pvul",
"avul",
"whole_life",
"linked_benefit",
"ltc",
"accidental_death"
],
"type": "string"
},
"death_benefit": {
"type": "integer",
"maximum": 100000000,
"minimum": 5000
},
"pool_of_money": {
"type": "number",
"maximum": 1000000000,
"exclusiveMinimum": 0
},
"term_duration": {
"type": "integer",
"maximum": 40,
"minimum": 1,
"description": "Requested level term in years; availability depends on carrier/product"
},
"benefit_period": {
"enum": [
-1,
1,
2,
3,
4,
5,
6,
7,
8,
9,
10,
11,
12,
13,
14,
15,
16,
17,
18,
19,
20,
21,
22,
23,
24,
25,
26,
27,
28,
29,
30,
31,
32,
33,
34,
35,
36,
37,
38,
39,
40,
41,
42,
43,
44,
45,
46,
47,
48,
49,
50,
51,
52,
53,
54,
55,
56,
57,
58,
59,
60,
61,
62,
63,
64,
65,
66,
67,
68,
69,
70,
71,
72,
73,
74,
75,
76,
77,
78,
79,
80,
81,
82,
83,
84,
85,
86,
87,
88,
89,
90,
91,
92,
93,
94,
95,
96,
97,
98,
99
],
"type": "integer",
"description": "Benefit years; -1 unlimited where supported"
},
"income_end_age": {
"type": "integer",
"maximum": 120,
"minimum": 1
},
"marital_status": {
"enum": [
"Married",
"Domestic Partner",
"Single"
],
"type": "string"
},
"living_benefits": {
"type": "boolean"
},
"monthly_benefit": {
"type": "number",
"maximum": 100000000,
"description": "Requested monthly care benefit in USD, for Base Premium solves",
"exclusiveMinimum": 0
},
"guaranteed_issue": {
"type": "boolean",
"description": "Limit results to guaranteed-issue products"
},
"income_start_age": {
"type": "integer",
"maximum": 120,
"minimum": 1
},
"partner_discount": {
"enum": [
"both",
"one",
null
],
"type": [
"string",
"null"
]
},
"child_rider_units": {
"type": "integer",
"maximum": 100,
"minimum": 1
},
"use_pool_of_money": {
"type": "boolean"
},
"waiver_of_premium": {
"type": "boolean"
},
"elimination_period": {
"enum": [
0,
30,
60,
90,
180,
365
],
"type": "integer",
"description": "Waiting period in days"
},
"inflation_percentage": {
"enum": [
null,
"1% Compound",
"2% Compound",
"3% Compound",
"3% Simple",
"4% Compound",
"5% Compound"
],
"type": [
"string",
"null"
]
},
"ltc_rider_percentage": {
"type": "number",
"maximum": 100,
"description": "Requested monthly acceleration percentage; carrier-specific limits apply",
"exclusiveMinimum": 0
},
"home_health_care_waiver": {
"type": "boolean"
},
"joint_waiver_of_premium": {
"type": "boolean"
},
"lapse_protection_to_age": {
"type": "integer",
"maximum": 120,
"minimum": 1
},
"return_of_premium_rider": {
"enum": [
"Limited",
"Limited Surrender",
"Full",
"Full Surrender",
"One Time Step-Up",
"Vested",
null
],
"type": [
"string",
"null"
]
},
"crediting_rate_requested": {
"type": "number",
"maximum": 0.2,
"minimum": 0.01,
"description": "Optional assumed illustration rate as a decimal; not a guaranteed return"
},
"filter_chronic_illness_and_ltc": {
"enum": [
"With Chronic Illness/LTC Rider",
"With Full Chronic Illness/LTC Rider",
"With Chronic Illness Rider",
"With LTC Rider",
"Without Chronic Illness/LTC Rider"
],
"type": "string",
"description": "Explicit rider filter, including With LTC Rider; availability and definitions vary by product"
}
},
"additionalProperties": false
}| Optional weight in pounds |
| birthdate* | string | Date of birth, YYYY-MM-DD |
| death_benefit* | integer |
| term_duration* | integer |
{
"type": "object",
"required": [
"state",
"birthdate",
"gender",
"health",
"smoker",
"death_benefit",
"term_duration",
"mode"
],
"properties": {
"mode": {
"enum": [
1,
2,
4,
12
],
"type": "integer",
"description": "Payments per year: annual, semiannual, quarterly, monthly"
},
"state": {
"enum": [
"AL",
"AK",
"AZ",
"AR",
"CA",
"CO",
"CT",
"DE",
"DC",
"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",
"PR",
"RI",
"SC",
"SD",
"TN",
"TX",
"UT",
"VT",
"VA",
"WA",
"WV",
"WI",
"WY"
],
"type": "string"
},
"gender": {
"enum": [
"Male",
"Female"
],
"type": "string",
"description": "Carrier rating input, supplied by the user"
},
"health": {
"enum": [
6,
5,
4,
3,
2,
1,
-1,
-2,
-3,
-4,
-5,
-6,
-7,
-8,
-9,
-10,
-11,
-12,
-13,
-14,
-15,
-16,
-17,
-18,
-19,
-20
],
"type": "integer",
"description": "User-supplied assumed health value. Read product-specific labels from get_life_quote_requirements; never infer eligibility."
},
"height": {
"type": "integer",
"maximum": 120,
"minimum": 1,
"description": "Optional height in inches"
},
"smoker": {
"enum": [
"Never",
"Previously",
"Currently"
],
"type": "string"
},
"usages": {
"type": "array",
"items": {
"type": "object",
"required": [
"status",
"category",
"frequency"
],
"properties": {
"status": {
"enum": [
"Previously",
"Currently"
],
"type": "string"
},
"category": {
"enum": [
"Cannabis",
"Chew",
"Cigarettes",
"Cigars",
"eCigarettes",
"Vape",
"Pipe"
],
"type": "string"
},
"frequency": {
"enum": [
365,
52,
12,
2
],
"type": "integer",
"description": "Uses per year: 2 less than monthly, 12 monthly, 52 weekly, 365 daily"
},
"last_use_date": {
"type": "string",
"format": "date",
"description": "Required for previous use"
}
},
"additionalProperties": false
},
"maxItems": 10
},
"weight": {
"type": "integer",
"maximum": 1500,
"minimum": 1,
"description": "Optional weight in pounds"
},
"birthdate": {
"type": "string",
"format": "date",
"description": "Date of birth, YYYY-MM-DD"
},
"death_benefit": {
"type": "integer",
"maximum": 100000000,
"minimum": 5000
},
"term_duration": {
"enum": [
1,
2,
3,
4,
5,
6,
7,
8,
9,
10,
11,
12,
13,
14,
15,
16,
17,
18,
19,
20,
21,
22,
23,
24,
25,
26,
27,
28,
29,
30,
31,
32,
33,
34,
35,
36,
37,
38,
39,
40
],
"type": "integer"
}
},
"additionalProperties": false
}