western-and-southern-financial · Schema

Insurance Policy

Represents a life insurance or annuity policy issued by Western & Southern Financial Group.

Properties

Name Type Description
policyNumber string Unique policy identifier assigned by Western & Southern.
policyType string Type of policy.
status string Current policy status.
effectiveDate string Date the policy became effective.
expirationDate string Date the policy expires (for term policies).
premium object Premium payment details.
deathBenefit number Death benefit amount in USD.
cashValue number Current cash value of the policy (for permanent life and annuity products).
surrenderValue number Net surrender value after applicable charges.
owner object Policy owner.
insured object Insured individual.
beneficiaries array List of designated beneficiaries.
subsidiary string W&S subsidiary issuing the policy.
View JSON Schema on GitHub

JSON Schema

western-and-southern-financial-policy-schema.json Raw ↑ 
{
  "$schema": "https://json-schema.org/draft/2020-12/schema",
  "$id": "https://raw.githubusercontent.com/api-evangelist/western-and-southern-financial/main/json-schema/western-and-southern-financial-policy-schema.json",
  "title": "Insurance Policy",
  "description": "Represents a life insurance or annuity policy issued by Western & Southern Financial Group.",
  "type": "object",
  "properties": {
    "policyNumber": {
      "type": "string",
      "description": "Unique policy identifier assigned by Western & Southern."
    },
    "policyType": {
      "type": "string",
      "description": "Type of policy.",
      "enum": [
        "Term Life",
        "Whole Life",
        "Universal Life",
        "Variable Universal Life",
        "Fixed Annuity",
        "Variable Annuity",
        "Indexed Annuity",
        "Accident Protection"
      ]
    },
    "status": {
      "type": "string",
      "description": "Current policy status.",
      "enum": ["Active", "Lapsed", "Surrendered", "Matured", "Paid-Up", "Pending"]
    },
    "effectiveDate": {
      "type": "string",
      "format": "date",
      "description": "Date the policy became effective."
    },
    "expirationDate": {
      "type": "string",
      "format": "date",
      "description": "Date the policy expires (for term policies)."
    },
    "premium": {
      "type": "object",
      "description": "Premium payment details.",
      "properties": {
        "amount": {
          "type": "number",
          "format": "double",
          "description": "Premium amount in USD."
        },
        "frequency": {
          "type": "string",
          "enum": ["Monthly", "Quarterly", "Semi-Annual", "Annual"],
          "description": "Payment frequency."
        },
        "nextDueDate": {
          "type": "string",
          "format": "date",
          "description": "Next premium due date."
        }
      },
      "required": ["amount", "frequency"]
    },
    "deathBenefit": {
      "type": "number",
      "format": "double",
      "description": "Death benefit amount in USD."
    },
    "cashValue": {
      "type": "number",
      "format": "double",
      "description": "Current cash value of the policy (for permanent life and annuity products)."
    },
    "surrenderValue": {
      "type": "number",
      "format": "double",
      "description": "Net surrender value after applicable charges."
    },
    "owner": {
      "$ref": "#/$defs/Person",
      "description": "Policy owner."
    },
    "insured": {
      "$ref": "#/$defs/Person",
      "description": "Insured individual."
    },
    "beneficiaries": {
      "type": "array",
      "items": {
        "$ref": "#/$defs/Beneficiary"
      },
      "description": "List of designated beneficiaries."
    },
    "subsidiary": {
      "type": "string",
      "description": "W&S subsidiary issuing the policy.",
      "enum": [
        "Western & Southern Life Insurance Company",
        "Western-Southern Life Assurance Company",
        "Columbus Life Insurance Company",
        "Gerber Life Insurance Company",
        "Integrity Life Insurance Company",
        "National Integrity Life Insurance Company",
        "Lafayette Life Insurance Company"
      ]
    }
  },
  "required": ["policyNumber", "policyType", "status", "effectiveDate"],
  "$defs": {
    "Person": {
      "type": "object",
      "properties": {
        "firstName": {"type": "string"},
        "lastName": {"type": "string"},
        "dateOfBirth": {"type": "string", "format": "date"},
        "ssn": {"type": "string", "description": "Masked SSN for identification."},
        "email": {"type": "string", "format": "email"},
        "phone": {"type": "string"}
      },
      "required": ["firstName", "lastName"]
    },
    "Beneficiary": {
      "type": "object",
      "properties": {
        "firstName": {"type": "string"},
        "lastName": {"type": "string"},
        "relationship": {
          "type": "string",
          "enum": ["Spouse", "Child", "Parent", "Sibling", "Estate", "Trust", "Other"]
        },
        "sharePercentage": {
          "type": "number",
          "minimum": 0,
          "maximum": 100
        },
        "beneficiaryType": {
          "type": "string",
          "enum": ["Primary", "Contingent"]
        }
      },
      "required": ["firstName", "lastName", "sharePercentage", "beneficiaryType"]
    }
  }
}