Eligibility

Every quote carries an eligibility object:

"eligibility": {
  "status": "ineligible",
  "checks": [
    {"code": "INSURED_STATE", "passed": true, "limit": "TX", "actual": "TX"},
    {"code": "PREMIUM_MIN", "passed": true, "limit": "4500.00", "actual": "240000.00"},
    {"code": "PREMIUM_MAX", "passed": false, "limit": "175000.00", "actual": "240000.00"},
    {"code": "AM_BEST_MIN", "passed": true, "limit": "A-"}
  ],
  "reasons": [
    {
      "code": "PREMIUM_TOO_HIGH",
      "param": "policies",
      "message": "The total to finance ($240000.00) is above the $175000.00 maximum. Contact Bridgeline about larger deals."
    }
  ]
}

status is eligible or ineligible.
checks lists the rules we ran, each with passed, and usually the limit and the deal’s actual value. basis: "partially_assumed" means the check relied on an assumption, such as an assumed AM Best rating.
reasons explains an ineligible result, each with a param pointing at the field to look at. It’s empty when the deal is eligible.

An ineligible deal still returns 201 Created with a stored quote and no options, so you can show your producer why. A 422 is only for a malformed request.

The rules

The limits below are today’s program settings. They can change, and every check returns the limit it used, so read limit rather than hard-coding these figures.

Check	Rule today	Reason when it fails
`INSURED_STATE`	The insured is in Texas (`insured.address.state` is `TX`)	`INSURED_STATE_NOT_ELIGIBLE`
`PREMIUM_MIN`	The total to finance (premium plus taxes and fees) is at least $4,500	`PREMIUM_TOO_LOW`
`PREMIUM_MAX`	The total to finance is at most $175,000	`PREMIUM_TOO_HIGH`
`AM_BEST_MIN`	Every carrier is rated A- or better. NR, E, F and S ratings are never financed	`CARRIER_RATING_TOO_LOW`, `CARRIER_NOT_FINANCEABLE`
`ISSUER`	The policy isn’t from an issuer we can’t finance, such as the Texas Windstorm Insurance Association	`ISSUER_NOT_FINANCEABLE`
`COVERAGE`	No coverage is a line we can’t finance, such as surety bonds	`COVERAGE_NOT_FINANCEABLE`
`POLICY_BACKDATE`	The effective date is no more than 30 days ago	`POLICY_TOO_OLD`
`DATE_UNIFORMITY`	Every policy has the same effective and expiration dates	`DATES_NOT_UNIFORM`
`POLICY_TERM`	Every policy has dates, and the policy period is at least 3 months	`MISSING_DATES`, `POLICY_TERM_TOO_SHORT`
`MINIMUM_EARNED_MAX`	Less than 90% of the total would stay with the carrier on cancellation	`MINIMUM_EARNED_TOO_HIGH`

Insured state

insured.address.state must be a two-letter USPS code: one of the 50 states, DC, PR, GU, VI, AS or MP. What happens depends on what you send:

You send	You get
`TX`	A quote, eligible as far as the state goes
Another valid code, such as `OK`	`201 Created`: an ineligible quote, with `INSURED_STATE_NOT_ELIGIBLE`
A full state name, such as `Texas`	`422 VALIDATION_FAILED`, detail code `INVALID_FORMAT`: `Use the two-letter state code, e.g. "TX" for Texas.`
Anything else, such as `Tex` or `ZZ`	`422 VALIDATION_FAILED`, detail code `INVALID_FORMAT`: `Must be a two-letter US state code, e.g. "TX".`

A state outside the program is an answer about the deal, so it’s an ineligible quote. A value that isn’t a state code at all is a malformed request, so it’s a 422.

Minimum earned

The MINIMUM_EARNED_MAX figure counts the minimum earned rate applied to the premium and to any refundable taxes and fees, plus every tax and fee marked earned. Because unmarked taxes and fees are assumed earned, marking the refundable ones earned: false can bring a deal under the limit; when it would, the reason’s message says so. New checks and reason codes can be added. Show the message for any you don’t recognize.

Eligible, but no options

Rarely, an eligible deal still has no options: every option would exceed the state’s APR limit, or the policy period leaves no room for a loan term. The quote then has options: [], recommended_option_id: null, and a warning saying why (APR_CAP_EXCEEDED or POLICY_TERM_TOO_SHORT).

Outside the program?

For a deal outside these rules, such as a larger premium, contact Bridgeline.

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Going to production

Concepts

Resources

The rules

Insured state

Minimum earned

Eligible, but no options

Outside the program?

​The rules

​Insured state

​Minimum earned

​Eligible, but no options

​Outside the program?

The rules

Insured state

Minimum earned

Eligible, but no options

Outside the program?