FI Schema – Unit Linked Insurance Plan (ULIP)

ULIP
Unit Linked Insurance Plan (ULIP)
Account	Basic Profile of the account which should include the Account Owner information, maskedAccNumber and linkedAccRef numbers, type of account specific to the FI type and any other generic details as might be pertinent for the specified FI type.
Attributes	Name	Type	Use	Annotation
	maskedAccNumber	string	required	Masked Account No.
	linkedAccRef	string	required	Linked account reference no. for the account
	version	float	required	Version of Schema
	type	string	required	Type of Schema (Fixed: "certificates_deposit")
Profile	Basic Profile of the account which should include the Account Owner information, maskedAccNumber and linkedAccRef numbers, type of account specific to the FI type and any other generic details as might be pertinent for the specified FI type.
Holders
Attributes	QName	Type	Use	Annotation
	HoldersTypes	enum(SINGLE, JOINT)	required
Holder	QName	Type	Use	Annotation
	name	string	required	Name of primary holder operating the account
	dob	date	required	Date of birth of primary account holder
	mobile	integer	required	Primary mobile number of account holder
	nominee	enum(Registered, Not-Registered)	required	Name of nominee associated with the account
	landline	string	optional	Landline no. of the Account Holder
	address	string	optional	Address of account holder
	email	string	required	Email ID of primary account holder
	pan	string	required	PAN number of primary account holder
	ckycCompliance	boolean	required	KYC status whether its completed or pending
	dematId	string	required	Demat ID assigned or issued to investor
Riders
Rider	QName	Type	Use	Annotation
	riderType	string	required	Type of Insurance Rider if present. E.g., Accidental death rider, waiver of premium, etc.
	sumAssured	string	required	The amount that the insurer agrees to pay on the occurrence of an event. E.g., the guaranteed amount that the beneficiary of the life insurance policy will receive in case of the holder's death.
	tenureYears	positiveInteger	required	The duration in years for which the policy provides insurance coverage.
	tenureMonths	positiveInteger	required	The duration in months for which the policy provides insurance coverage
	premiumAmount	float	required	The amount paid periodically to the insurer by the holder for covering the risk.
	policyStartDate	date	required	Start date of policy mentioned at the time of issuing
	policyEndDate	date	required	Date of policy when it will get expired.
	description	string	required
Summary	The value of the account, term of the deposits if relevant and any other data that summarizes the funds in the account.
Attributes	QName	Type	Use	Annotation
	type	enum(LIFE, HEALTH)	required	Name of policy which is purchased
	productName	string	required	Name of the product hold by investor
	productDescription	string	required	Decription of product hold by investor
	sumAssured	float	optional	Amount or Sum assured for investor in the policy.
	tenureYears	positiveInteger	required	Years which are passed since investment made.
	tenureMonths	positiveInteger	required	Months which are passed since investment made.
	premiumAmount	float	required	The amount paid periodically to the insurer by the holder for covering the risk.
	policyStartDate	date	required	Date since when policy is valid or stated.
	policyMaturityDate	date	required	Date of maturity for investment .
	premiumFrequency	enum(MONTHLY, QUARTERLY, HALF_YEARLY, YEARLY, ONE_TIME, OTHERS)	optional	Frequnecy of premium to be paid whether monthly, quarterly or annually.
	premiumPaymentYears	positiveInteger	required	Number of year till when premium is require to pay.
	premiumPaymentMonths	positiveInteger	required	Number of month till when premium is require to pay.
	nextPremiumDate	date	required	Due date for next premium of ULIP policy hold
Holdings
Holding	QName	Type	Use	Annotation
	name	string	required
	type	enum(DEBT, EQUITY, GUARANTEE, HYBRID, BALANCED, LIQUID, STABLE, GROWTH, DEFENSIVE, OTHERS)	required
	units	positiveInteger	required	Units allotted in folio till date.
	cost	float	required
	nav	string	required	NAV is current market rate of security held as on date.
	allocationPercentage	float	required	Seggragation and Percentage of units alloted in equity, debt and govt. funds
	premiumAllocation	float	required	Premium which is paid till date.
	currentValue	float	required	Current value of investment as on date.
	description	string	required	Description or details of security in which investment made.
Transactions	Details of all transactions that have been posted in an account.
Attributes	QName	Type	Use	Annotation
	startDate	date	required	Start date of investment since when it is applicable
	endDate	date	required	End date of investment when tenure get complete
Transaction	QName	Type	Use	Annotation
	txnId	string	required	Transaction ID recorded or captured for investment made.
	txnDate	date	required	Transaction date time stamp for particular record when investment taken place
	fundName	string	required	Name of fund in which investment is made
	units	positiveInteger	required	Units which are alloted in the portfolio of investor.
	nav	string	required	NAV is current market rate of security held as on date
	navDate	date	required	NAV is current market rate of security held as on date
	cost	float	required
	premium	float	required
	premiumAllocationCharge	float	required	Premium charges applied on the allocation of fund
	otherCharges	float	required	Other charge applied on the investment if applicable
	type	enum(PURCHASE, PREMIMUM_PAYMENT, ONE_TIME_PAYMENT, TOP_UP, SWITCH_IN, SWITCH_OUT, PARTIAL_WITHDRAWAL, SWITCHING_FEE, ADMIN_FEE, MORALITY_FEE, SERVICE_TAX, PARTIAL_WITHDRAWAL_CHARGES, PREMIUM_REDIRECTION_CHARGES, PREMIUM_HOLIDAY_CHARGES, SURRENDER_CHARGES, TOP_UP_CHARGES, PREMIUM_ALLOCATION_CHARGES, OPENING_BALANCE, CLOSING_BALANCE, BONUS, RIDER_PREMIUM_CHARGES, ACTUAL_INVESTMENT, EDUCATION_FESS, MONTHLY_POLICY_CHARGES, RISK_PREMIUM, PREMIUM_RENEWAL, REVIAVAL, CHANGES_IN_POLICY_BENIFITS, CHAGNGES_IN_POLICY, STATUS, CHANGE_OF_ADDRESS, CHANGE_OF_ECS_BANK, CHANGE_OF_NOMINEE, CHANGE_IN_MODE_OF_PAYMENT, SWITCH, CHANGES_IN_MATURITY_DATE, OTHERS	required
	narration	string	required	Nararation is additional details in form of decription of remark associated with investment.