PriorPolicy

Represents a prior or existing insurance contract relevant to a Quote, Application, or Policy.

PriorPolicy MUST reference other Fat Agent Standard objects rather than duplicate their underlying data. It represents the prior contract, not the newly issued Policy.

Identity

At least one of carrier_id or carrier_name SHOULD be supplied when the prior carrier is known. Use carrier_id when the carrier exists as a Carrier object. carrier_name is for prior insurance that has not been normalized.

Field	Type	Required	Description
`prior_policy_id`	string	Yes	Unique identifier for the PriorPolicy
`policy_number`	string	No	Prior carrier's policy or contract number
carrier_id	string	No	ID of the prior Carrier
`carrier_name`	string	No	Carrier name when a Carrier object is unavailable
`line_of_business`	enum	Yes	Broad insurance line Allowed: life, annuity, long_term_care, disability, personal_auto, property, personal_umbrella, commercial, other
`line_of_business_description`	string	Yes*	Custom value when line_of_business is other. Required when line_of_business is other. MUST NOT be set otherwise.
`product_type`	string	No	Standardized product classification within the line of business. MUST be valid for the selected line_of_business when supplied.
`product_type_description`	string	Yes*	Custom value when product_type is other. Required when product_type is other. MUST NOT be set otherwise.

Policy Term

Policy Term describes the relevant dates and status of the prior insurance contract.

Field	Type	Required	Description
`effective_date`	string (date)	No	Effective date of the prior Policy
`expiration_date`	string (date)	No	Expiration date of the prior Policy
`cancellation_date`	string (date)	No	Date the prior Policy was cancelled
`status`	enum	No	Current or final status of the prior Policy Allowed: active, expired, cancelled, non_renewed, lapsed, replaced, surrendered, terminated, other
`status_description`	string	Yes*	Custom value when status is other. Required when status is other. MUST NOT be set otherwise.

Coverage

coverage_ids references Coverage objects describing coverage provided by the prior Policy. Limits, deductibles, benefits, and riders belong on Coverage.

Field	Type	Required	Description
coverage_ids	array[string]	No	Coverage objects associated with the PriorPolicy

Prior Insurance History

Prior Insurance History supports prior-carrier and continuous-coverage information, particularly for Personal Auto and other P&C underwriting. These fields SHOULD NOT be used for life or annuity replacement transactions.

Field	Type	Required	Description
`continuous_coverage`	boolean	No	Whether coverage was maintained continuously
`months_with_carrier`	integer	No	Number of continuous months insured with the prior carrier
`lapse_indicator`	boolean	No	Indicates whether a lapse in coverage occurred. Required as true when continuous_coverage is false for personal_auto.
`lapse_days`	integer	No	Number of days in the coverage lapse when known. MUST NOT be set when lapse_indicator is false.

Replacement

Replacement represents how an existing life or annuity contract is affected by a new insurance transaction. replacement_policy_id is optional because a replacement may be known before the new Policy is issued.

Field	Type	Required	Description
`replacement_indicator`	boolean	No	Whether the existing contract is involved in a replacement
`replacement_type`	enum	No	How the existing contract is being affected. Required when replacement_indicator is true. Allowed: full, partial, surrender, reduction, financed_purchase, other
`replacement_type_description`	string	Yes*	Custom value when replacement_type is other. Required when replacement_type is other. MUST NOT be set otherwise.
`replacement_reason`	string	No	Description or reason for the replacement
replacement_policy_id	string	No	ID of the new Policy replacing or affecting this contract

External References

external_references maps the PriorPolicy to identifiers from outside systems, such as carrier, AMS, CRM, replacement-system, or third-party underwriting identifiers.

Field	Type	Required	Description
`system`	string	Yes	External system or source
`reference_id`	string	Yes	Identifier assigned by the external system
`reference_type`	string	No	Type of external reference

Line of Business and Product Types

PriorPolicy MUST use the same line-of-business and product-type taxonomy as Quote, Application, and Policy. Health insurance and group insurance are outside Fat Agent Standard v1.0.

Line of Business	Allowed product_type
`life`	term_life, whole_life, universal_life, indexed_universal_life, guaranteed_universal_life, final_expense, other
`annuity`	fixed_annuity, myga, fixed_indexed_annuity, spia, variable_annuity, other
`long_term_care`	traditional_ltc, hybrid_ltc, other
`disability`	short_term_disability, long_term_disability, other
`personal_auto`	standard_auto, non_standard_auto, classic_collectible_auto, motorcycle, recreational_vehicle, other
`property`	homeowners, condo, renters, dwelling_fire, mobile_manufactured_home, flood, other
`personal_umbrella`	personal_umbrella, other
`commercial`	businessowners, commercial_package, commercial_property, general_liability, commercial_auto, workers_compensation, commercial_umbrella, professional_liability, errors_omissions, directors_officers, employment_practices_liability, cyber, inland_marine, builders_risk, equipment_breakdown, crime, bonds, other
`other`	other

Validation Rules

prior_policy_id and line_of_business MUST be supplied. All other fields are optional unless conditionally required.
PriorPolicy represents a prior or existing contract. It MUST NOT represent the newly issued Policy.
PriorPolicy MAY contain incomplete historical information when the complete prior contract is unavailable.
When an enum value is other, the companion {field}_description field is required and MUST be a non-empty string. That companion field MUST NOT be set unless the enum value is other.
product_type, when supplied, MUST be valid for the selected line_of_business.
Health insurance and group insurance MUST NOT appear on PriorPolicy.
Coverage information MUST be referenced through coverage_ids rather than duplicated.
carrier_id SHOULD be used when the carrier exists as a Carrier object. carrier_name MAY be used when a Carrier object is unavailable.
Personal Auto prior-insurance history uses continuous_coverage, months_with_carrier, lapse_indicator, and lapse_days. Those fields MUST NOT be used for life or annuity replacements.
When line_of_business is personal_auto and continuous_coverage is false, lapse_indicator MUST be true.
When continuous_coverage is true, lapse_indicator, when supplied, MUST be false.
lapse_days MUST NOT be supplied when lapse_indicator is false.
months_with_carrier and lapse_days MUST be integers greater than or equal to zero.
Life and annuity replacements use replacement_indicator and replacement_type.
When replacement_indicator is true, replacement_type is required.
When replacement_indicator is false, replacement_type, replacement_type_description, replacement_reason, and replacement_policy_id MUST NOT be supplied.
replacement_policy_id is optional because a replacement may be identified before the new Policy is issued.
Dates MUST use ISO 8601 date format (YYYY-MM-DD).