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.
View input schema
{
"type": "object",
"properties": {
"application_token": {
"type": "string",
"minLength": 1,
"maxLength": 4096,
"description": "Private application_token returned by create_life_eapp; an eApp ID, UUID, or completion URL is not accepted"
},
"changes": {
"type": "object",
"additionalProperties": false,
"properties": {
"state": {
"type": "string",
"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"
]
},
"birthdate": {
"type": "string",
"format": "date",
"description": "Date of birth, YYYY-MM-DD"
},
"gender": {
"type": "string",
"enum": [
"Male",
"Female"
],
"description": "Carrier rating input, supplied by the user"
},
"health": {
"type": "integer",
"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
],
"description": "User-supplied assumed health value. Get product-specific labels from get_life_quote_requirements. Never infer underwriting eligibility."
},
"smoker": {
"type": "string",
"enum": [
"Never",
"Previously",
"Currently"
]
},
"usages": {
"type": "array",
"maxItems": 10,
"items": {
"type": "object",
"additionalProperties": false,
"required": [
"status",
"category",
"frequency"
],
"properties": {
"status": {
"type": "string",
"enum": [
"Previously",
"Currently"
]
},
"category": {
"type": "string",
"enum": [
"Cannabis",
"Chew",
"Cigarettes",
"Cigars",
"eCigarettes",
"Vape",
"Pipe"
]
},
"frequency": {
"type": "integer",
"enum": [
365,
52,
12,
2
],
"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"
}
}
}
},
"death_benefit": {
"type": "integer",
"minimum": 5000,
"maximum": 100000000
},
"mode": {
"type": "integer",
"enum": [
1,
2,
4,
12
],
"description": "Payments per year: annual, semiannual, quarterly, monthly"
},
"height": {
"type": "integer",
"minimum": 1,
"maximum": 120,
"description": "Optional height in inches"
},
"weight": {
"type": "integer",
"minimum": 1,
"maximum": 1500,
"description": "Optional weight in pounds"
},
"product_type": {
"type": "string",
"enum": [
"term",
"non_med",
"rop_term",
"fex",
"ul",
"iul",
"piul",
"pvul",
"avul",
"whole_life",
"linked_benefit",
"ltc",
"accidental_death"
]
},
"solve": {
"type": "string",
"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"
]
},
"premium": {
"type": "number",
"exclusiveMinimum": 0,
"exclusiveMaximum": 1000000000,
"description": "Premium in USD at the requested payment frequency, for benefit/death-benefit solves"
},
"pay_duration": {
"type": "integer",
"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
],
"description": "Payment years; -1 lifetime, -65 until age 65, -100 until age 100, 1 single pay"
},
"living_benefits": {
"type": "boolean"
},
"waiver_of_premium": {
"type": "boolean"
},
"child_rider": {
"type": "boolean"
},
"child_rider_units": {
"type": "integer",
"minimum": 1,
"maximum": 100
},
"save_age": {
"type": "boolean",
"description": "Backdate to save age only when explicitly requested by the user"
},
"term_duration": {
"type": "integer",
"minimum": 1,
"maximum": 40,
"description": "Requested level term in years; availability depends on carrier/product"
},
"filter_chronic_illness_and_ltc": {
"type": "string",
"enum": [
"With Chronic Illness/LTC Rider",
"With Full Chronic Illness/LTC Rider",
"With Chronic Illness Rider",
"With LTC Rider",
"Without Chronic Illness/LTC Rider"
],
"description": "Explicit rider filter, including With LTC Rider; availability and definitions vary by product"
},
"ltc_rider_percentage": {
"type": "number",
"exclusiveMinimum": 0,
"maximum": 100,
"description": "Requested monthly acceleration percentage; carrier-specific limits apply"
},
"guaranteed_issue": {
"type": "boolean",
"description": "Limit results to guaranteed-issue products"
},
"crediting_rate_requested": {
"type": "number",
"minimum": 0.01,
"maximum": 0.2,
"description": "Optional assumed illustration rate as a decimal; not a guaranteed return"
},
"lapse_protection_to_age": {
"type": "integer",
"minimum": 1,
"maximum": 120
},
"age_value": {
"type": "integer",
"minimum": 1,
"maximum": 120,
"description": "Target age for cash-value solves"
},
"cash_value": {
"type": "number",
"exclusiveMinimum": 0,
"maximum": 1000000000
},
"loan_type": {
"type": "string",
"enum": [
"Fixed",
"Variable"
]
},
"income_solve": {
"type": "string",
"enum": [
"Max",
"No"
]
},
"income_start_age": {
"type": "integer",
"minimum": 1,
"maximum": 120
},
"income_end_age": {
"type": "integer",
"minimum": 1,
"maximum": 120
},
"monthly_benefit": {
"type": "number",
"exclusiveMinimum": 0,
"maximum": 100000000,
"description": "Requested monthly care benefit in USD, for Base Premium solves"
},
"benefit_period": {
"type": "integer",
"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
],
"description": "Benefit years; -1 unlimited where supported"
},
"elimination_period": {
"type": "integer",
"enum": [
0,
30,
60,
90,
180,
365
],
"description": "Waiting period in days"
},
"inflation_percentage": {
"type": [
"string",
"null"
],
"enum": [
null,
"1% Compound",
"2% Compound",
"3% Compound",
"3% Simple",
"4% Compound",
"5% Compound"
]
},
"pool_of_money": {
"type": "number",
"exclusiveMinimum": 0,
"maximum": 1000000000
},
"use_pool_of_money": {
"type": "boolean"
},
"marital_status": {
"type": "string",
"enum": [
"Married",
"Domestic Partner",
"Single"
]
},
"partner_discount": {
"type": [
"string",
"null"
],
"enum": [
"both",
"one",
null
]
},
"joint_party": {
"type": "object",
"additionalProperties": false,
"required": [
"birthdate",
"gender",
"health",
"smoker"
],
"properties": {
"birthdate": {
"type": "string",
"format": "date",
"description": "Date of birth, YYYY-MM-DD"
},
"gender": {
"type": "string",
"enum": [
"Male",
"Female"
],
"description": "Carrier rating input, supplied by the user"
},
"health": {
"type": "integer",
"enum": [
6,
5,
4,
3,
2,
1,
-1,
-2,
-3,
-4,
-5,
-6,
-7,
-8
],
"description": "User-supplied assumed health value. Read product-specific labels from get_life_quote_requirements; never infer eligibility."
},
"smoker": {
"type": "string",
"enum": [
"Never",
"Previously",
"Currently"
]
},
"usages": {
"type": "array",
"maxItems": 10,
"items": {
"type": "object",
"additionalProperties": false,
"required": [
"status",
"category",
"frequency"
],
"properties": {
"status": {
"type": "string",
"enum": [
"Previously",
"Currently"
]
},
"category": {
"type": "string",
"enum": [
"Cannabis",
"Chew",
"Cigarettes",
"Cigars",
"eCigarettes",
"Vape",
"Pipe"
]
},
"frequency": {
"type": "integer",
"enum": [
365,
52,
12,
2
],
"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"
}
}
}
},
"height": {
"type": "integer",
"minimum": 1,
"maximum": 120,
"description": "Optional height in inches"
},
"weight": {
"type": "integer",
"minimum": 1,
"maximum": 1500,
"description": "Optional weight in pounds"
}
}
},
"shared_care": {
"type": "boolean"
},
"joint_waiver_of_premium": {
"type": "boolean"
},
"home_health_care_waiver": {
"type": "boolean"
},
"return_of_premium_rider": {
"type": [
"string",
"null"
],
"enum": [
"Limited",
"Limited Surrender",
"Full",
"Full Surrender",
"One Time Step-Up",
"Vested",
null
]
},
"discount": {
"type": [
"string",
"null"
],
"enum": [
null,
"Association",
"Employer",
"Producer"
]
}
}
}
},
"required": [
"application_token"
],
"additionalProperties": false
}