Underwriting

Represents the insurance-specific questions, answers, evidence, requirements, risk findings, and underwriting results used to evaluate an insurance risk.

Underwriting MUST reference other Fat Agent Standard objects rather than duplicate their underlying data. Questions are selected by line, product, carrier, and prior answers. Conditional rules belong on Product.

Identity

underwriting_id and line_of_business are required. carrier_id, product_id, application_id, quote_id, and policy_id are optional so the same structure can attach to a carrier, product, transaction, or issued contract. Health insurance and group insurance are outside Fat Agent Standard v1.0.

Field	Type	Required	Description
`underwriting_id`	string	Yes	Unique identifier for the Underwriting object
`line_of_business`	enum	Yes	Insurance line being evaluated 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`	enum	No	Standardized product classification. MUST be valid for the selected line_of_business. Allowed: term_life, whole_life, universal_life, indexed_universal_life, guaranteed_universal_life, final_expense, other, fixed_annuity, myga, fixed_indexed_annuity, spia, variable_annuity, traditional_ltc, hybrid_ltc, short_term_disability, long_term_disability, standard_auto, non_standard_auto, classic_collectible_auto, motorcycle, recreational_vehicle, homeowners, condo, renters, dwelling_fire, mobile_manufactured_home, flood, personal_umbrella, 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
`product_type_description`	string	Yes*	Custom value when product_type is other. Required when product_type is other. MUST NOT be set otherwise.
carrier_id	string	No	ID of the issuing Carrier
product_id	string	No	ID of the carrier Product
application_id	string	No	Related Application
`quote_id`	string	No	Related Quote
policy_id	string	No	Related Policy

Subject

Every Underwriting object evaluates one subject. A transaction MAY contain multiple Underwriting objects when multiple subjects require separate evaluation.

Field Type Required Description

Field	Type	Required	Description
`subject_type`	enum	Yes	Type of Standard object being evaluated Allowed: person, organization, vehicle, property, application, policy, other
`subject_type_description`	string	Yes*	Custom value when subject_type is other. Required when subject_type is other. MUST NOT be set otherwise.
`subject_id`	string	Yes	ID of the Standard object being evaluated

subject_type

enum

Yes

Type of Standard object being evaluated

Allowed: person, organization, vehicle, property, application, policy, other

subject_type_description

string

Yes*

Custom value when subject_type is other. Required when subject_type is other. MUST NOT be set otherwise.

subject_id

string

Yes

ID of the Standard object being evaluated

Questions

questions[] stores the questions that were actually asked and the answers received. Conditional follow-up rules belong on Product, not on the completed Underwriting record. answer MUST correspond to answer_type. Existing Person, Vehicle, Property, Claim / Loss, and PriorPolicy facts SHOULD be referenced rather than re-asked.

Field	Type	Required	Description
`question_id`	string	Yes*	Unique identifier for the question record
`question_code`	string	Yes*	Standardized Fat Agent question identifier
`carrier_question_code`	string	No	Carrier-specific question identifier
`category`	enum	Yes*	Question category Allowed: medical, tobacco, medication, family_history, driving, financial, occupation, aviation, avocation, criminal_legal, foreign_travel, residency, property_hazard, vehicle_use, commercial_operations, loss_history, prior_insurance, eligibility, replacement, other
`category_description`	string	Yes*	Custom value when category is other. Required when category is other. MUST NOT be set otherwise.
`question_text`	string	Yes*	Human-readable question
`answer_type`	enum	Yes*	Declared type of the answer value Allowed: boolean, string, number, integer, date, single_select, multi_select, other
`answer_type_description`	string	Yes*	Custom value when answer_type is other. Required when answer_type is other. MUST NOT be set otherwise.
`answer`	boolean \| string \| number \| array[string] \| null	No	Answer value. MUST correspond to answer_type.
`answer_date`	string (date)	No	Date the answer was provided
`answered_by_type`	enum	No	Who supplied the answer Allowed: applicant, insured, agent, carrier, third_party, system, other
`answered_by_type_description`	string	Yes*	Custom value when answered_by_type is other. Required when answered_by_type is other. MUST NOT be set otherwise.
`answered_by_id`	string	No	ID of the Person, Organization, Producer, system, or other source that supplied the answer
`source_type`	enum	No	Provenance of the answer Allowed: applicant, agent, carrier, carrier_api, third_party, report, document, imported_data, calculated, system, other
`source_type_description`	string	Yes*	Custom value when source_type is other. Required when source_type is other. MUST NOT be set otherwise.
`source_id`	string	No	Identifier of the source record or system
`source_date`	string (date)	No	Date the source supplied the answer
`notes`	string	No	Additional notes about the question or answer

Conditions

conditions[] identifies known underwriting conditions. The Standard identifies the condition. Product rules determine whether it is a knockout, rating, modified benefit, referral, or approval.

Field	Type	Required	Description
`condition_id`	string	Yes*	Unique identifier for the condition record
`condition_code`	string	Yes*	Standardized condition identifier
`carrier_condition_code`	string	No	Carrier-specific condition identifier
`condition_name`	string	Yes*	Human-readable condition name
`condition_category`	enum	Yes*	Condition category Allowed: cardiovascular, cancer, respiratory, neurological, renal, liver, endocrine, diabetes, mental_behavioral, musculoskeletal, autoimmune, infectious, substance_use, functional_cognitive, other
`condition_category_description`	string	Yes*	Custom value when condition_category is other. Required when condition_category is other. MUST NOT be set otherwise.
`status`	enum	Yes*	Current condition status Allowed: active, history, resolved, in_treatment, unknown, other
`status_description`	string	Yes*	Custom value when status is other. Required when status is other. MUST NOT be set otherwise.
`diagnosis_date`	string (date)	No	Date of diagnosis
`onset_date`	string (date)	No	Date of onset
`treatment_end_date`	string (date)	No	Date treatment ended
`resolved_date`	string (date)	No	Date the condition resolved
`source_type`	enum	No	Provenance of the condition Allowed: applicant, agent, carrier, carrier_api, third_party, report, document, imported_data, calculated, system, other
`source_type_description`	string	Yes*	Custom value when source_type is other. Required when source_type is other. MUST NOT be set otherwise.
`source_id`	string	No	Identifier of the source record or system
`source_date`	string (date)	No	Date the source supplied the condition
`notes`	string	No	Additional notes about the condition

Evidence / Requirements

requirements[] represents underwriting evidence requested, received, or reviewed. Evidence MAY reference a Document using document_id. Use of credit-based insurance scores remains subject to applicable law and carrier rules.

Field	Type	Required	Description
`requirement_id`	string	Yes*	Unique identifier for the requirement
`requirement_type`	enum	Yes*	Type of evidence or requirement Allowed: mvr, mib, prescription_history, medical_records, aps, paramed_exam, labs, financial_documentation, inspection, replacement_cost_estimate, loss_runs, insurance_score, credit_based_insurance_score, motor_vehicle_report, identity_verification, proof_of_ownership, proof_of_prior_insurance, questionnaire, supplemental_application, document, other
`requirement_type_description`	string	Yes*	Custom value when requirement_type is other. Required when requirement_type is other. MUST NOT be set otherwise.
`status`	enum	Yes*	Current requirement status Allowed: required, requested, ordered, pending, received, reviewed, waived, cancelled, other
`status_description`	string	Yes*	Custom value when status is other. Required when status is other. MUST NOT be set otherwise.
`requested_date`	string (date)	No	Date the requirement was requested
`received_date`	string (date)	No	Date the requirement was received
`reviewed_date`	string (date)	No	Date the requirement was reviewed
`document_id`	string	No	Related Document / Evidence
`provider`	string	No	Vendor or system that supplied the evidence
`reference_id`	string	No	Provider or carrier reference for the requirement
`notes`	string	No	Additional notes about the requirement

Findings

findings[] describes material discoveries from questions, reports, evidence, carrier review, or automated evaluation. A finding does not by itself determine the final underwriting decision.

Field	Type	Required	Description
`finding_id`	string	Yes*	Unique identifier for the finding
`finding_type`	enum	Yes*	Type of finding Allowed: medical, medication, driving, financial, occupation, property, vehicle, loss_history, prior_insurance, commercial_operations, eligibility, data_discrepancy, other
`finding_type_description`	string	Yes*	Custom value when finding_type is other. Required when finding_type is other. MUST NOT be set otherwise.
`severity`	enum	No	Severity of the finding Allowed: informational, low, moderate, high, critical, other
`severity_description`	string	Yes*	Custom value when severity is other. Required when severity is other. MUST NOT be set otherwise.
`source_type`	enum	No	Provenance of the finding Allowed: applicant, agent, carrier, carrier_api, third_party, report, document, imported_data, calculated, system, other
`source_type_description`	string	Yes*	Custom value when source_type is other. Required when source_type is other. MUST NOT be set otherwise.
`source_id`	string	No	Identifier of the source record or system
`source_date`	string (date)	No	Date the source supplied the finding
`description`	string	Yes*	What was discovered

Decision

decision represents the underwriting result when one exists. Preserve the carrier decision without independently changing or reinterpreting it. risk_class is a string because classes vary by carrier and line.

Field	Type	Required	Description
`status`	enum	Yes*	Underwriting result Allowed: pending, approved, approved_with_changes, preferred, standard, rated, modified, referred, ineligible, declined, withdrawn, other
`status_description`	string	Yes*	Custom value when status is other. Required when status is other. MUST NOT be set otherwise.
`risk_class`	string	No	Standardized or carrier-provided risk classification
`risk_class_description`	string	No	Additional carrier-specific explanation of the risk class
`decision_date`	string (date)	No	Date the decision was made
`reason_codes`	array[string]	No	Carrier or Standard reason codes supporting the decision
`notes`	string	No	Additional decision notes

Adjustments

adjustments[] represents underwriting modifications applied because of the evaluated risk. They MUST remain distinguishable from Coverage itself. coverage_id MAY identify a specific Coverage affected by the adjustment.

Field	Type	Required	Description
`adjustment_id`	string	Yes*	Unique identifier for the adjustment
`adjustment_type`	enum	Yes*	Type of underwriting modification Allowed: table_rating, flat_extra, surcharge, credit, discount, exclusion, modified_benefit, modified_limit, modified_deductible, other
`adjustment_type_description`	string	Yes*	Custom value when adjustment_type is other. Required when adjustment_type is other. MUST NOT be set otherwise.
`value`	number \| string	No	Numeric or string value describing the adjustment
`unit`	enum	No	Unit for the adjustment value Allowed: percentage, currency, table, basis_points, text, other
`unit_description`	string	Yes*	Custom value when unit is other. Required when unit is other. MUST NOT be set otherwise.
`reason`	string	No	Why the adjustment was applied
coverage_id	string	No	Coverage affected by the adjustment

External References

external_references maps the Underwriting object to identifiers from carriers, underwriting engines, AMS records, or third-party report systems.

Field	Type	Required	Description
`system`	string	Yes*	External system
`reference_id`	string	Yes*	Identifier assigned by that system
`reference_type`	string	No	Type of reference

Line of Business and Product Types

product_type MUST be valid for the selected line_of_business when supplied. Health insurance and group insurance are outside Fat Agent Standard v1.0. When line_of_business is other, line_of_business_description MUST be supplied.

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

Subject Types

subject_type identifies the Fat Agent Standard object being evaluated. Underwriting MUST reference that object rather than duplicate it.

Line of Business	Allowed product_type
`person`	Person
`organization`	Organization
`vehicle`	Vehicle
`property`	Property
`application`	Application
`policy`	Policy
`other`	Requires subject_type_description

Validation Rules

underwriting_id, line_of_business, subject_type, and subject_id MUST be supplied.
Questions, conditions, evidence, findings, decisions, and adjustments are optional because an Underwriting record MAY be created before those items exist.
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 MUST be valid for the selected line_of_business when supplied.
Health insurance and group insurance MUST NOT appear on Underwriting.
Each question requires question_id, question_code, category, question_text, and answer_type.
Question answer MUST match the declared answer_type.
Existing Standard-object facts SHOULD be referenced rather than unnecessarily duplicated as underwriting questions.
Conditions identify underwriting facts. They do not contain universal carrier eligibility rules.
Product and carrier rules determine knockouts, eligibility, conditional questions, and required evidence.
Evidence requirements MAY reference Document objects using document_id.
Findings MUST remain distinguishable from the final underwriting decision.
Adjustments MUST remain distinguishable from Coverage itself.
Historical underwriting data MUST NOT be overwritten merely because a later decision, requirement, or finding exists.
Source and provenance SHOULD be preserved when data comes from a report, API, carrier, applicant, agent, calculation, or third party.
Dates MUST use ISO 8601 date format (YYYY-MM-DD).

{
  "underwriting_id": "uw_auto_100",
  "line_of_business": "personal_auto",
  "product_type": "standard_auto",
  "quote_id": "quote_auto_100",
  "subject_type": "person",
  "subject_id": "per_driver_100",
  "questions": [
    {
      "question_id": "uwq_auto_1",
      "question_code": "RIDESHARE_USE",
      "category": "vehicle_use",
      "question_text": "Do you use any vehicle for rideshare services?",
      "answer_type": "boolean",
      "answer": false,
      "answer_date": "2026-09-17",
      "answered_by_type": "applicant",
      "answered_by_id": "per_driver_100",
      "source_type": "applicant",
      "source_id": "per_driver_100",
      "source_date": "2026-09-17"
    }
  ],
  "requirements": [
    {
      "requirement_id": "req_auto_1",
      "requirement_type": "mvr",
      "status": "reviewed",
      "requested_date": "2026-09-17",
      "received_date": "2026-09-17",
      "reviewed_date": "2026-09-17",
      "provider": "MVR Provider",
      "reference_id": "mvr_100"
    }
  ],
  "decision": {
    "status": "approved",
    "risk_class": "Standard",
    "decision_date": "2026-09-17",
    "reason_codes": []
  }
}

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