AURA NEXT Underwriting Decision

Schema for an automated underwriting decision returned by RGA's AURA NEXT platform API.

Financial ServicesHealth InsuranceInsurance TechnologyLife InsuranceReinsuranceUnderwritingFortune 500

Properties

Name	Type	Description
applicationId	string	Unique identifier for the insurance application.
decisionId	string	Unique identifier for this underwriting decision.
decisionDate	string	Timestamp when the underwriting decision was made.
decision	string	The underwriting decision outcome.
riskClass	string	Assigned risk classification (e.g., 'Preferred Plus', 'Standard', 'Substandard').
tableRating	integer	Table rating if applicable (percentage above standard mortality, in multiples of 25).
flatExtra	number	Flat extra premium per thousand if applicable.
exclusions	array	Any exclusions applied to the policy.
decisionReasons	array	Reasons contributing to the underwriting decision.
automatedDecision	boolean	Whether this decision was made fully automatically without human review.
referralQueue	string	If referred, the queue or team to which the case was referred.
policyDetails	object	Details about the policy being underwritten.
ruleSetVersion	string	Version of the underwriting rule set used to make this decision.
processingTimeMs	integer	Time in milliseconds taken to produce the decision.

View JSON Schema on GitHub

JSON Schema

{
  "$schema": "https://json-schema.org/draft/2020-12/schema",
  "$id": "https://api-evangelist.github.io/reinsurance-group-of-america/json-schema/reinsurance-group-of-america-underwriting-decision-schema.json",
  "title": "AURA NEXT Underwriting Decision",
  "description": "Schema for an automated underwriting decision returned by RGA's AURA NEXT platform API.",
  "type": "object",
  "required": ["applicationId", "decisionDate", "decision"],
  "properties": {
    "applicationId": {
      "type": "string",
      "description": "Unique identifier for the insurance application."
    },
    "decisionId": {
      "type": "string",
      "description": "Unique identifier for this underwriting decision."
    },
    "decisionDate": {
      "type": "string",
      "format": "date-time",
      "description": "Timestamp when the underwriting decision was made."
    },
    "decision": {
      "type": "string",
      "description": "The underwriting decision outcome.",
      "enum": ["Approved", "Approved with Modifications", "Referred", "Declined", "Postponed", "Pending Information"]
    },
    "riskClass": {
      "type": "string",
      "description": "Assigned risk classification (e.g., 'Preferred Plus', 'Standard', 'Substandard')."
    },
    "tableRating": {
      "type": "integer",
      "description": "Table rating if applicable (percentage above standard mortality, in multiples of 25).",
      "minimum": 0
    },
    "flatExtra": {
      "type": "number",
      "description": "Flat extra premium per thousand if applicable."
    },
    "exclusions": {
      "type": "array",
      "items": { "type": "string" },
      "description": "Any exclusions applied to the policy."
    },
    "decisionReasons": {
      "type": "array",
      "description": "Reasons contributing to the underwriting decision.",
      "items": {
        "type": "object",
        "properties": {
          "reasonCode": {
            "type": "string",
            "description": "Coded reason for the decision factor."
          },
          "reasonDescription": {
            "type": "string",
            "description": "Human-readable description of this decision factor."
          },
          "weight": {
            "type": "number",
            "description": "Relative weight of this factor in the decision."
          }
        }
      }
    },
    "automatedDecision": {
      "type": "boolean",
      "description": "Whether this decision was made fully automatically without human review."
    },
    "referralQueue": {
      "type": "string",
      "description": "If referred, the queue or team to which the case was referred."
    },
    "policyDetails": {
      "type": "object",
      "description": "Details about the policy being underwritten.",
      "properties": {
        "productType": {
          "type": "string",
          "description": "Type of insurance product (e.g., 'Term Life', 'Universal Life', 'Whole Life')."
        },
        "faceAmount": {
          "type": "number",
          "description": "Face amount of coverage requested in dollars."
        },
        "issueAge": {
          "type": "integer",
          "description": "Age of the applicant at policy issue."
        },
        "gender": {
          "type": "string",
          "enum": ["Male", "Female", "Non-Binary", "Unknown"]
        }
      }
    },
    "ruleSetVersion": {
      "type": "string",
      "description": "Version of the underwriting rule set used to make this decision."
    },
    "processingTimeMs": {
      "type": "integer",
      "description": "Time in milliseconds taken to produce the decision."
    }
  }
}