Life Insurance

This guide walks you through issuing life insurance policies using the Inshuwa API.

Overview

The life insurance workflow:

1. Register a client and designate beneficiaries
2. Select a life insurance product and package
3. Generate an insurance proposal/quotation
4. Pay the premium
5. Issue the policy
6. Access the policy schedule

Step 1: Register a Client

Create an individual policyholder:

POST /api/v1/policyholders/individuals

Step 2: Select a Product and Package

Browse life insurance products:

GET /api/v1/products/life

Each product contains packages with benefit tiers, coverage amounts, and premium rates. Note the packageId you want.

Step 3: Create a Quotation

Generate a life insurance quotation:

POST /api/v1/quotations/life

Request body includes:

• packageId — Selected package
• clientId — Client's ID
• startDate — Policy start date
• policyHolder — Policyholder details
• nextOfKin — Next of kin information
• beneficiaries — List of beneficiaries
• beneficiaryAddonAmmount — Additional beneficiary coverage amount

Step 4: Issue the Policy

Issue the life policy by paying for the quotation:

POST /api/v1/quotations/{quoteId}/life

Instant Issue (One Step)

Create, quote, and issue a life policy with payment in one call:

POST /api/v1/quotations/life/instant-issue

Step 5: Access Policy Documents

Download the insurance certificate:

GET /api/v1/quotations/{policyId}/life/documents/certificate

Policy Renewal

Renew an existing life policy with payment:

POST /api/v1/policies/life/{quoteId}/renew/pay

View Life Policies

GET /api/v1/quotations/life/policies
GET /api/v1/quotations/life/policies/{policyId}