{
  "$schema": "https://json-schema.org/draft/2020-12/schema",
  "$id": "https://api-evangelist.github.io/reinsurance-group-of-america/json-schema/reinsurance-group-of-america-underwriting-decision-schema.json",
  "title": "AURA NEXT Underwriting Decision",
  "description": "Schema for an automated underwriting decision returned by RGA's AURA NEXT platform API.",
  "type": "object",
  "required": ["applicationId", "decisionDate", "decision"],
  "properties": {
    "applicationId": {
      "type": "string",
      "description": "Unique identifier for the insurance application."
    },
    "decisionId": {
      "type": "string",
      "description": "Unique identifier for this underwriting decision."
    },
    "decisionDate": {
      "type": "string",
      "format": "date-time",
      "description": "Timestamp when the underwriting decision was made."
    },
    "decision": {
      "type": "string",
      "description": "The underwriting decision outcome.",
      "enum": ["Approved", "Approved with Modifications", "Referred", "Declined", "Postponed", "Pending Information"]
    },
    "riskClass": {
      "type": "string",
      "description": "Assigned risk classification (e.g., 'Preferred Plus', 'Standard', 'Substandard')."
    },
    "tableRating": {
      "type": "integer",
      "description": "Table rating if applicable (percentage above standard mortality, in multiples of 25).",
      "minimum": 0
    },
    "flatExtra": {
      "type": "number",
      "description": "Flat extra premium per thousand if applicable."
    },
    "exclusions": {
      "type": "array",
      "items": { "type": "string" },
      "description": "Any exclusions applied to the policy."
    },
    "decisionReasons": {
      "type": "array",
      "description": "Reasons contributing to the underwriting decision.",
      "items": {
        "type": "object",
        "properties": {
          "reasonCode": {
            "type": "string",
            "description": "Coded reason for the decision factor."
          },
          "reasonDescription": {
            "type": "string",
            "description": "Human-readable description of this decision factor."
          },
          "weight": {
            "type": "number",
            "description": "Relative weight of this factor in the decision."
          }
        }
      }
    },
    "automatedDecision": {
      "type": "boolean",
      "description": "Whether this decision was made fully automatically without human review."
    },
    "referralQueue": {
      "type": "string",
      "description": "If referred, the queue or team to which the case was referred."
    },
    "policyDetails": {
      "type": "object",
      "description": "Details about the policy being underwritten.",
      "properties": {
        "productType": {
          "type": "string",
          "description": "Type of insurance product (e.g., 'Term Life', 'Universal Life', 'Whole Life')."
        },
        "faceAmount": {
          "type": "number",
          "description": "Face amount of coverage requested in dollars."
        },
        "issueAge": {
          "type": "integer",
          "description": "Age of the applicant at policy issue."
        },
        "gender": {
          "type": "string",
          "enum": ["Male", "Female", "Non-Binary", "Unknown"]
        }
      }
    },
    "ruleSetVersion": {
      "type": "string",
      "description": "Version of the underwriting rule set used to make this decision."
    },
    "processingTimeMs": {
      "type": "integer",
      "description": "Time in milliseconds taken to produce the decision."
    }
  }
}