{
  "$schema": "https://json-schema.org/draft/2020-12/schema",
  "$id": "https://raw.githubusercontent.com/api-evangelist/western-and-southern-financial/main/json-schema/western-and-southern-financial-annuity-schema.json",
  "title": "Annuity Contract",
  "description": "Represents an annuity contract issued by Western & Southern Financial Group subsidiaries.",
  "type": "object",
  "properties": {
    "contractNumber": {
      "type": "string",
      "description": "Unique annuity contract identifier."
    },
    "annuityType": {
      "type": "string",
      "description": "Type of annuity contract.",
      "enum": [
        "Fixed Annuity",
        "Fixed Indexed Annuity",
        "Variable Annuity",
        "Immediate Annuity",
        "Deferred Income Annuity"
      ]
    },
    "phase": {
      "type": "string",
      "description": "Current phase of the annuity.",
      "enum": ["Accumulation", "Distribution", "Annuitization"]
    },
    "issueDate": {
      "type": "string",
      "format": "date",
      "description": "Date the contract was issued."
    },
    "maturityDate": {
      "type": "string",
      "format": "date",
      "description": "Date the contract matures."
    },
    "accumulationValue": {
      "type": "number",
      "format": "double",
      "description": "Current accumulation value in USD."
    },
    "surrenderValue": {
      "type": "number",
      "format": "double",
      "description": "Net surrender value after surrender charges in USD."
    },
    "interestRate": {
      "type": "number",
      "format": "double",
      "description": "Current credited interest rate (for fixed annuities)."
    },
    "surrenderChargePeriod": {
      "type": "integer",
      "description": "Remaining years in the surrender charge period."
    },
    "payoutOption": {
      "type": "string",
      "description": "Selected payout option upon annuitization.",
      "enum": [
        "Life Only",
        "Life with Period Certain",
        "Joint and Survivor",
        "Period Certain Only",
        "Lump Sum"
      ]
    },
    "monthlyIncome": {
      "type": "number",
      "format": "double",
      "description": "Guaranteed monthly income amount in USD (if annuitized)."
    },
    "owner": {
      "type": "object",
      "properties": {
        "firstName": {"type": "string"},
        "lastName": {"type": "string"},
        "dateOfBirth": {"type": "string", "format": "date"}
      }
    },
    "riders": {
      "type": "array",
      "description": "Optional riders attached to the contract.",
      "items": {
        "type": "object",
        "properties": {
          "riderType": {
            "type": "string",
            "enum": [
              "Guaranteed Lifetime Withdrawal Benefit",
              "Death Benefit",
              "Enhanced Surrender Value",
              "Long-Term Care"
            ]
          },
          "riderCharge": {
            "type": "number",
            "format": "double",
            "description": "Annual charge as a percentage of contract value."
          }
        }
      }
    }
  },
  "required": ["contractNumber", "annuityType", "phase", "issueDate", "accumulationValue"]
}