{
  "applicationId": "APP-2026-0042891",
  "decisionId": "DEC-AURA-20260502-889234",
  "decisionDate": "2026-05-02T14:23:11Z",
  "decision": "Approved",
  "riskClass": "Standard Plus",
  "tableRating": null,
  "flatExtra": null,
  "exclusions": [],
  "decisionReasons": [
    {
      "reasonCode": "HEALTH-OK",
      "reasonDescription": "No significant adverse health conditions identified in application or digital health data.",
      "weight": 0.45
    },
    {
      "reasonCode": "LABS-NORMAL",
      "reasonDescription": "Laboratory values within normal ranges for applicant's age and gender.",
      "weight": 0.30
    },
    {
      "reasonCode": "LIFESTYLE-LOW",
      "reasonDescription": "No tobacco use. No high-risk avocations disclosed.",
      "weight": 0.25
    }
  ],
  "automatedDecision": true,
  "referralQueue": null,
  "policyDetails": {
    "productType": "20-Year Term Life",
    "faceAmount": 500000,
    "issueAge": 38,
    "gender": "Female"
  },
  "ruleSetVersion": "AURA-NEXT-v4.12.1",
  "processingTimeMs": 847
}