underwriting

base

/v2/private/purchase/aa/underwriting

localhost

http://localhost:1350/v2/private/purchase/aa/underwriting

dev

https://dev.everdays.com/v2/private/purchase/aa/underwriting

prod

https://everdays.com/v2/private/purchase/aa/underwriting

Available Methods

• POST

---

POST /v2/private/purchase/aa/underwriting

This endpoint is used for the underwriting steps in the purchase process.

If the user is considered "knocked out" by qualifying for one of the KO questions, their selectedProduct will be rejected/disqualified and all products with that product type from that provider (ex. { type: 'termLife', provider: 'aa' }) will be removed from their bestMatch (if applicable) and remainingMatches.

If the user is not "knocked out", the answers to the other questions will be submitted saved to the user's AA profile.

Params

Param	Type	Description
Blood Pressure Fields
hasHighBloodPressure	Boolean	If the user has high blood pressure.
bloodPressureReading	String Enum - ['None', '_149over90orLess', '_150over90orGreater', 'Unknown']	The user's blood pressure reading. Must be one of the enums listed.
bloodPressureMedication	String Enum - ['None', '_0to2_', '_3orMore_']	The user's blood pressure medication. Must be one of the enums listed.
bloodPressureControl	String Enum - ['None', 'Good', 'Uncontrolled_Poor']	The user's blood pressure control. Must be one of the enums listed.
changeInBloodPressureRx	Boolean	Has there been an increase in RX dosage within the past 12 months?
isCompliantWithBloodPressureMeds	Boolean	Is the user compliant with taking blood pressure medications?
hasBeenHospitalizedForBloodPressure	Boolean	Has the user been hospitalized due to high blood pressure within the past 12 months?
lostTimeFromWorkFromBloodPressure	Boolean	Has the user lost time from work due to high blood pressure within the past 12 months?
Diabetes Fields
hasDiabetes	Boolean	Does the user have diabetes?
wasDiabetesDiagnosedBefore35	Boolean	Was the user diagnosed with diabetes before age 35?
howDiabetesTreated	String Enum - ['None', 'OralMedication', 'DietOnly', 'Insulin']	How is the user's condition of diabetes treated?
mostRecentDiabetesReading	String Enum - ['None', '_8_4orLess', '_8_5orGreater', '__Unknown_']	How is the user's condition of diabetes treated?
diabetesControlHistory	String Enum - ['None', '_Good', '_Poor_Uncontrolled']	The user's diabetes control history
changeInDiabetesRx	Boolean	Has there been a change in the user's diabetes RX within last 12 months?
isCompliantWithDiabetesMeds	Boolean	Is user compliant with diabetes medication?
hasGoutRetinopathyEtc	Boolean	Does the user have Gout, retinopathy, or protein in urine?
hasBeenHospitalizedForDiabetes	Boolean	Has the user been hospitalized for diabetes?
KO Questions
hasSeriousDisease	Boolean	Does the user have a serious disease?
hasSevereAsthma	Boolean	Does the user have severe asthma?
hasMentalOrNervousDisorder	Boolean	Does the user have a mental or nervous disorder?
receivedTransplantOrAmputation	Boolean	Did the user receive a transplant or have an amputation?
hasDisabilityOrBenefits	Boolean	Does the user have a disability or benefits?
hasFamilyHistoryOfDisease	Boolean	Does the user have a family history of disease?
hasDrivingOffenses	Boolean	Does the user have any driving offences?
wasConvictedOfFelonyOrProbation	Boolean	Was the user convicted of felony or probation?
wasAdvisedToGetMedicalCare	Boolean	Was the user advised by doctor to get medical care within last 30 days?

Example request body

body: {
  // blood pressure keys
  hasHighBloodPressure: true,
  bloodPressureReading: '_149over90orLess', // enum
  bloodPressureMedication: '_0to2', // enum
  bloodPressureControl: '_3orMore', // enum
  changeInBloodPressureRx: false,
  isCompliantWithBloodPressureMeds: true,
  hasBeenHospitalizedForBloodPressure: false,
  lostTimeFromWorkFromBloodPressure: true,
  // diabetes keys
  hasDiabetes: true,
  wasDiabetesDiagnosedBefore35: false,
  howDiabetesTreated: 'OralMedication', // enum
  mostRecentDiabetesReading: '_8_4orLess', // enum
  diabetesControlHistory: '_Good', // enum
  changeInDiabetesRx: false,
  isCompliantWithDiabetesMeds: true,
  hasGoutRetinopathyEtc: false,
  hasBeenHospitalizedForDiabetes: false,
  // knockout keys
  hasSeriousDisease: false,
  hasSevereAsthma: false,
  hasMentalOrNervousDisorder: false,
  receivedTransplantOrAmputation: false,
  hasDisabilityOrBenefits: false,
  hasFamilyHistoryOfDisease: false,
  hasDrivingOffenses: false,
  wasConvictedOfFelonyOrProbation: false,
  wasAdvisedToGetMedicalCare: false
}

Returns

The entire user object with user.purchase.aa.underwriting and/or user.insurance.rejectedProducts updated.

Example return object with user.purchase

user: {
  "insurance": {
    "rejectedProducts": [
      {
        "type": "termLife",
        provider: "aa"
      }
    ]
  }
  "purchase": {
    "aa": {
      "appNumber": 1000690,
      "pricing": [],
      "underwriting": {
        "approved": true,
        "code": "O",
        "message": "The proposed insured has been approved for this plan. ",
        "error": "",
        "lastUpdated": "2022-08-10T23:38:27.383Z"
        },
      "transactionId": 11335
    }
  }
}

info

For more detailed information about each value in purchase, please refer to the user model docs.