Annuity new business API for application submission, case status, requirements and DTCC participant resolution on the Zinnia annuity origination platform.
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openapi: 3.1.0
info:
title: Zinnia New Business Annuity API
description: "New Business — Annuity API surface exposed through Kong. This specification\ndocuments public health check\
\ endpoints for application validation, application\nprocessing, payment processing, TOA, eApp, and suitability services.\n\
\n**Version History**\n* Draft version 0.7.0<br>\n - Added V3 Annuity application submission endpoint (`/v3/new-business/annuity-applications`)<br>\n\
\ - V3 replaces the flat \"role\" model with a richer `Party` model (owner, beneficiary, agent, etc.) and moves bank\
\ details from the party to the payment<br>\n* Draft version 0.6.0<br>\n - added ETP endpoints Annuity V1, Annuity V2\
\ and ETP health check <br>\n* Draft version 0.5.0<br>\n - New endpoints — expose `/eapp/actuator/health` and `/suitability/actuator/health`\
\ publicly through Kong<br>\n* Draft version 0.4.0<br>\n - New endpoint — expose `/toa/actuator/health` publicly through\
\ Kong<br>\n* Draft version 0.3.0<br>\n - New endpoint — expose payment processing health check publicly through Kong<br>\n\
* Draft version 0.2.0<br>\n - New endpoint — expose application processing health check publicly through Kong<br>\n*\
\ Draft version 0.1.0<br>\n - New endpoint — expose application validation health check publicly through Kong<br>\n"
version: 0.7.0
contact:
name: Zinnia New Business Annuity
email: hitesh.parakh@zinnia.com
x-changelog:
- date: '2026-08-07'
change: Added V3 Annuity application submission endpoint (/v3/new-business/annuity-applications), introducing a Party
model (replacing role) and moving bank details from party to payment. V3 schemas colliding by name with V1/V2 suffixed
with V3.
- date: '2026-05-12'
change: added ETP endpoints Annuity V1, Annuity V2 and ETP health check
- date: '2026-05-06'
change: Expose `/eapp/actuator/health` and `/suitability/actuator/health` publicly through Kong for New Business — Annuity
- date: '2026-05-06'
change: Expose `/toa/actuator/health` publicly through Kong for New Business — Annuity
- date: '2026-05-06'
change: Expose payment processing health check publicly through Kong for New Business — Annuity
- date: '2026-05-06'
change: Expose application processing health check publicly through Kong for New Business — Annuity
- date: '2026-05-05'
change: Expose application validation health check publicly through Kong for New Business — Annuity
servers:
- url: https://qa.api.zinnia.io
description: QA Environment
- url: https://dev.api.zinnia.io
description: DEV Environment
- url: https://uat.api.zinnia.io
description: UAT Environment
- url: https://api.zinnia.io
description: PROD Environment
tags:
- name: Annuity Version 1
description: EAPP API Version 1
- name: Annuity Version 2
description: EAPP API Version 2
- name: New Business Annuity
description: New Business Annuity Application Submission API Version 3
- name: Annuity Health Check
description: EAPP API Health Check and Annuity (Annuity app validation, app processing, payment processing, TOA, eApp, and
suitability) services Health check
paths:
/appvalidation/actuator/health:
get:
summary: Application Validation Health Check
tags:
- Annuity Health Check
description: Returns the health status of the application validation service
operationId: getNewBusinessAnnuityAppValidationHealth
responses:
'200':
description: Application is healthy
content:
application/json:
schema:
type: object
properties:
status:
type: string
enum:
- UP
- DOWN
example: UP
'401':
description: Authentication failed
'403':
description: Access denied
content:
application/json:
schema:
$ref: '#/components/schemas/AccessDeniedResponse'
'503':
description: Application is unhealthy
content:
application/json:
schema:
type: object
properties:
status:
type: string
enum:
- DOWN
example: DOWN
security:
- Auth0: []
/appprocessing/actuator/health:
get:
summary: Application Processing Health Check
tags:
- Annuity Health Check
description: Returns the health status of the application processing service
operationId: getNewBusinessAnnuityAppProcessingHealth
responses:
'200':
description: Application is healthy
content:
application/json:
schema:
type: object
properties:
status:
type: string
enum:
- UP
- DOWN
example: UP
'401':
description: Authentication failed
'403':
description: Access denied
content:
application/json:
schema:
$ref: '#/components/schemas/AccessDeniedResponse'
'503':
description: Application is unhealthy
content:
application/json:
schema:
type: object
properties:
status:
type: string
enum:
- DOWN
example: DOWN
security:
- Auth0: []
/paymentprocessing/actuator/health:
get:
summary: Payment Processing Health Check
tags:
- Annuity Health Check
description: Returns the health status of the payment processing service
operationId: getNewBusinessAnnuityPaymentProcessingHealth
responses:
'200':
description: Application is healthy
content:
application/json:
schema:
type: object
properties:
status:
type: string
enum:
- UP
- DOWN
example: UP
'401':
description: Authentication failed
'403':
description: Access denied
content:
application/json:
schema:
$ref: '#/components/schemas/AccessDeniedResponse'
'503':
description: Application is unhealthy
content:
application/json:
schema:
type: object
properties:
status:
type: string
enum:
- DOWN
example: DOWN
security:
- Auth0: []
/toa/actuator/health:
get:
summary: TOA Health Check
tags:
- Annuity Health Check
description: Returns the health status of the TOA service
operationId: getNewBusinessAnnuityToaHealth
responses:
'200':
description: Application is healthy
content:
application/json:
schema:
type: object
properties:
status:
type: string
enum:
- UP
- DOWN
example: UP
'401':
description: Authentication failed
'403':
description: Access denied
content:
application/json:
schema:
$ref: '#/components/schemas/AccessDeniedResponse'
'503':
description: Application is unhealthy
content:
application/json:
schema:
type: object
properties:
status:
type: string
enum:
- DOWN
example: DOWN
security:
- Auth0: []
/eapp/actuator/health:
get:
summary: EApp Health Check
tags:
- Annuity Health Check
description: Returns the health status of the eApp service
operationId: getNewBusinessAnnuityEappHealth
responses:
'200':
description: Application is healthy
content:
application/json:
schema:
type: object
properties:
status:
type: string
enum:
- UP
- DOWN
example: UP
'401':
description: Authentication failed
'403':
description: Access denied
content:
application/json:
schema:
$ref: '#/components/schemas/AccessDeniedResponse'
'503':
description: Application is unhealthy
content:
application/json:
schema:
type: object
properties:
status:
type: string
enum:
- DOWN
example: DOWN
security:
- Auth0: []
/suitability/actuator/health:
get:
summary: Suitability Health Check
tags:
- Annuity Health Check
description: Returns the health status of the suitability service
operationId: getNewBusinessAnnuitySuitabilityHealth
responses:
'200':
description: Application is healthy
content:
application/json:
schema:
type: object
properties:
status:
type: string
enum:
- UP
- DOWN
example: UP
'401':
description: Authentication failed
'403':
description: Access denied
content:
application/json:
schema:
$ref: '#/components/schemas/AccessDeniedResponse'
'503':
description: Application is unhealthy
content:
application/json:
schema:
type: object
properties:
status:
type: string
enum:
- DOWN
example: DOWN
security:
- Auth0: []
/eApp/v1/applications/annuity:
post:
tags:
- Annuity Version 1
summary: Submit Annuity Application to Zinnia
description: Submits an annuity eApp to Zinnia for new business processing.
operationId: createAnnuityApplication
parameters:
- name: Authorization
required: true
description: This will be passed as Bearer plus "token" as generated by above token API.
in: header
schema:
type: string
example: Bearer eykjsfjfjasdasdad
requestBody:
description: Details required to submit the eApp to Zinnia for Annuity
content:
application/json:
schema:
$ref: '#/components/schemas/Applications'
required: true
responses:
'201':
description: Accepted
content:
application/json:
schema:
$ref: '#/components/schemas/SuccessResponse'
'400':
description: Bad request
content:
application/json:
schema:
$ref: '#/components/schemas/ValidationResponse'
'401':
description: Authentication failed
'403':
description: Access denied
content:
application/json:
schema:
$ref: '#/components/schemas/AccessDeniedResponse'
'500':
description: Server error
content:
application/json:
schema:
$ref: '#/components/schemas/ServerErrorResponse'
security:
- Auth0: []
/eApp/v1/applications/documents:
post:
tags:
- Annuity Version 1
summary: Submit Annuity Documents to Zinnia
description: Submits documents associated with an annuity eApp to Zinnia.
operationId: createAnnuityDocument
parameters:
- name: Authorization
required: true
description: This will be passed as Bearer plus "token" as generated by above token API.
in: header
schema:
type: string
example: Bearer eykjsfjfjasdasdad
requestBody:
description: Details required to submit the eApp to Zinnia for Annuity
content:
application/json:
schema:
$ref: '#/components/schemas/DocumentInformation'
required: true
responses:
'201':
description: Created
content:
application/json:
schema:
$ref: '#/components/schemas/SuccessResponse'
'400':
description: Bad request
content:
application/json:
schema:
$ref: '#/components/schemas/ValidationResponse'
'401':
description: Authentication failed
'403':
description: Access denied
content:
application/json:
schema:
$ref: '#/components/schemas/AccessDeniedResponse'
'500':
description: Server error
content:
application/json:
schema:
$ref: '#/components/schemas/ServerErrorResponse'
security:
- Auth0: []
/eApp/v2/applications/annuity:
post:
tags:
- Annuity Version 2
summary: Submit Annuity Application to Zinnia
description: Submits an annuity eApp to Zinnia for new business processing.
operationId: createAnnuityApplication_v2
parameters:
- name: Authorization
required: true
description: This will be passed as Bearer plus "token" as generated by above token API.
in: header
schema:
type: string
example: Bearer eykjsfjfjasdasdad
requestBody:
description: Details required to submit the eApp to Zinnia for Annuity
content:
application/json:
schema:
$ref: '#/components/schemas/Application'
required: true
responses:
'201':
description: Accepted
content:
application/json:
schema:
$ref: '#/components/schemas/SuccessResponse'
'400':
description: Bad request
content:
application/json:
schema:
$ref: '#/components/schemas/ValidationResponse'
'401':
description: Authentication failed
'403':
description: Access denied
content:
application/json:
schema:
$ref: '#/components/schemas/AccessDeniedResponse'
'500':
description: Server error
content:
application/json:
schema:
$ref: '#/components/schemas/ServerErrorResponse'
security:
- Auth0: []
/eApp/v2/applications/documents:
post:
tags:
- Annuity Version 2
summary: Submit Annuity Documents to Zinnia
description: Submits documents associated with an annuity eApp to Zinnia.
operationId: createAnnuityDocument_V2
parameters:
- name: Authorization
required: true
description: This will be passed as Bearer plus "token" as generated by above token API.
in: header
schema:
type: string
example: Bearer eykjsfjfjasdasdad
requestBody:
description: Details required to submit the eApp to Zinnia for Annuity
content:
application/json:
schema:
$ref: '#/components/schemas/DocumentInformation'
required: true
responses:
'201':
description: Accepted
content:
application/json:
schema:
$ref: '#/components/schemas/SuccessResponse'
'400':
description: Bad request
content:
application/json:
schema:
$ref: '#/components/schemas/ValidationResponse'
'401':
description: Authentication failed
'403':
description: Access denied
content:
application/json:
schema:
$ref: '#/components/schemas/AccessDeniedResponse'
'500':
description: Server error
content:
application/json:
schema:
$ref: '#/components/schemas/ServerErrorResponse'
security:
- Auth0: []
/eapp/health:
get:
summary: Annuity Health Check
tags:
- Annuity Health Check
description: Returns the health status of the application
operationId: getHealth
responses:
'200':
description: Application is healthy
content:
application/json:
schema:
type: object
properties:
status:
type: string
enum:
- UP
- DOWN
example: UP
'401':
description: Authentication failed
'403':
description: Access denied
content:
application/json:
schema:
$ref: '#/components/schemas/AccessDeniedResponse'
'503':
description: Application is unhealthy
content:
application/json:
schema:
type: object
properties:
status:
type: string
enum:
- DOWN
example: DOWN
security:
- Auth0: []
/new-business/v1/eapp:
post:
x-kong-plugin-request-transformer:
config:
replace:
uri: /appprocessing/v1/new-business/annuity-applications
tags:
- New Business Annuity
summary: Submit Annuity Application to Zinnia
description: Submits an annuity new business case to Zinnia for processing.
operationId: createAnnuityApplication_v3
parameters:
- name: Authorization
required: true
description: This will be passed as Bearer plus "token" as generated by above token API.
in: header
schema:
type: string
example: Bearer eykjsfjfjasdasdad
requestBody:
description: Details required to submit the Annuity new business case to Zinnia
required: true
content:
application/json:
schema:
$ref: '#/components/schemas/CasePayload'
example:
caseId: CA0123456789
correlationId: 0ca10708-4b53-464c-b745-355c8f6f0edb
application:
key: '435232'
appId: XXXXEDJ041120240000000001
vendorAppId: XXXXEDJ041120240000000001
versionNumber: '000'
qlacIndicator: 'YES'
dateQualifiers:
applicationDate: '2025-10-22'
initialSubmitDate: '2025-10-22'
applicationReceivedDate: '2023-12-19'
clientAgreementDate: '2023-12-19'
agentSubmitDate: '2023-12-19'
ownerSignedDate: '2023-12-19'
jointOwnerSignedDate: '2023-12-19'
annuitantSignedDate: '2023-12-19'
jointAnnuitantSignedDate: '2023-12-19'
trusteeSignedDate: '2023-12-19'
primaryAgentSignedDate: '2023-12-19'
beneficiarySignedDate: '2023-12-19'
spouseSignedDate: '2023-12-19'
submissionType: ELECTRONIC
customerOtherProductsAnswer: 'YES'
applicationSignedCounty: Dade
submitterNsccId: '6407'
submitterNsccName: ADVISOR EXCEL
associatedFirmId: '1234'
associatedFirmName: LPL
vendorId: '1234'
vendorName: FIRELIGHT
carrierName: USAA
firmExternalId: Q01530
firmTaxId: '123456789'
firmNPN: '294128'
replacementIndicator: true
qualificationType: Q401K
custodial: 'YES'
commissionOption: STD
brokerageIdentificationNumber: '12345'
suitabilityAppIndicator: 'YES'
attachment:
- signatureMethod: SIGNATUREPAD
documentControlNumber: '14124235235'
totalAttachmentCount: '2'
illustrations:
solicitationState: AA
solicitationDate: '2025-10-22'
quoteStartDate: '2025-10-22'
quoteEndDate: '2025-10-22'
quoteId: '525262'
policy:
policyNumber: '76488683213'
planCode: IU0101
productCusip: '43241124'
productType: ANNUITY
policyStatus: PENDING
policyEffectiveDate: '2025-10-22'
issueState: TN
issueCountry: US
initialPurchase:
grossAmount: 43546
netAmount: 22334
payment:
- paymentId: '1'
referenceNumber: '13486821'
netAmount: '43546.00'
grossAmount: '22334.00'
method: CREDITCARD
withdrawalIndicator: FULL
partialWithdrawType: SPECIFIEDAMOUNTWITHDRAWAL
surrenderingDateInstruction: UPONRECEIPT
frequency: DAILY
paymentDate: '2025-05-27'
draftDate: '2025-05-27'
externalTransactionId: A12345
externalArrangementId: B45678
automaticPayment: true
premType: DIRECTROLLOVER
currentAlloc: 'YES'
waivePremium: '0'
distributorId: '12344'
party:
- 5f8f2f5c-6c3b-4e3b-8f2f-5c6c3b4e3b8f
taxInfo:
currentContribAmount: 22334
priorContribAmount: 22334
taxYear: '2025'
totalBasis: 0
pretefraBasis: 0
posttefraBasis: 0
post88Amount: 22334
policyHistory:
previousPolicyNumber: '55852164'
emailId: abc@gmail.com
carrier: New York Life
useExistingPolicyFunds: true
amount: 22334
status: ACTIVE
replacementCoverageAmount: 22334
issueDate: '2025-08-29'
productType: ANNUITY
productSubType: DISABILITY
exchangeType: EXTERNAL1035
taxId: AAA-GG-SSSS
originalCostBasis: '1000'
applyRateLock: 'YES'
priorEstTransValue: 0
priorCarrierProcessLocation: ABC123DEF4
addressDetail:
addressType: MAILING
addressLine1: 123 Main St
addressLine2: Apt 4B
addressLine3: Near Apollo
city: Topeka
state: TN
zipCode: '66675'
country: US
qualificationType: INDIVIDUALRETIREMENTACCOUNTREGULAR
mecIndicator: 'NO'
internalExcInd: 'YES'
exchangeDate: '2025-10-17'
bankInformation:
bankId: '456456465'
nameOnAccount: abc
accountStatus: Active
accountNumber: '****2456'
routingNumber: '789167934'
accountType: SAVINGS
ibaNumber: '123456789'
abaNumber: '123456789'
bankName: XYZ Branch
address:
addressType: RESIDENCE
addressLine1: 123 Main St
addressLine2: Apt 4B
addressLine3: Near Apollo
city: San Francisco
state: AL
zipCode: '94105'
zipCodeExt: '4465'
country: US
feature:
- featureCode: ABC0000000
featureName: Auto Payment
featureStartDate: '2023-12-19'
featureProcessDay: FIRST
featureDuration: '30'
featureDurationType: DAYS
featureFrequency: WEEKLY
featureValue: '22334.00'
featureValueType: AMOUNT
taxWithholdingIndicator: 'YES'
taxFilingStatus: MARRIED
withholding:
withAmount: 22334
withAmountDesc: EXTRASTEP4C
withAmountType: PERCENTAGE
withAuthority: FEDERAL
fund:
- srcFundCode: ABC000
srcFundAllocAmt: 50
srcFundAllocPercent: 50
srcTargetFundCode: ABC000
srcTargetFundAllocAmt: 50
srcTargetFundAllocPercent: 50
payment:
- amountType: PERCENTAGE
amount: 22334
method: CREDITCARD
grossNetInd: NET
accountType: CHECKING
abaNumber: '123456789'
bankName: ABC Bank
accountNumber: '1000000000'
payeeContractEntRelationPtr: '124124'
payouts:
payoutOption: LIFEONLY
livesType: Single
primarySurvivorAdjType: string
primarySurvivorAdjPct: '100'
jointSurvivorAdjType: string
jointSurvivorAdjPct: '100'
annuityFrequencyCode: MONTHLY
certainPeriodQualifier: ANNUAL
certainPeriod: '1'
payoutStartDate: '2023-12-19'
fixedPaymentAmount: '1000'
fundDetails:
- fundType: FIXED
fundCode: GDGE123
fundName: Fixed Account
allocationType: PERCENTAGE
allocationTypeValue: '238500.50'
parties:
- partyType: INDIVIDUAL
personalInformation:
firstName: Aura
middleName: Smith
lastName: Monroe
fullName: Edward Jones
prefix: DR.
suffix: Sr
dateOfBirth: '2000-02-02'
gender: FEMALE
birthSex: FEMALE
birthState: AL
birthCountry: US
citizenCountry: US
partyId: 3f2504e0-4f89-11d3-9a0c-0305e82c3301
partyCommunication: EMAIL
eDelivery: 'YES'
partyRole: INSURED
signatures:
- date: '2026-07-01'
city: Sacramento
state: CA
partyPercentage: '50.00'
contractEntRelationPtr: '124124'
revocabilityCode: IRREVOCABLE
benedistribOption: EQUAL
decedentDob: '2023-12-19'
trustDate: '2023-12-19'
dod: '2023-12-19'
authType: ASSETALLOCATION
authMode: PHONE
relationship: FATHER
identifiers:
- type: SSN
value: '123456789'
address:
preferredAddressId: 33f206dc-71f4-485f-ad85-5fd25b4fad5f
addresses:
- addressId: c6de7205-8f10-4e09-8321-a1f6159790e3
addressType: RESIDENCE
addressLine1: 19 RED RIVER CT
addressLine2: Apt 4B
city: SACRAMENTO
state: AL
zipCode: '95831'
zipCodeExt: '4465'
country: US
foreignAddressInd: 'YES'
phoneNumber:
preferredPhoneId: 07f1828e-1cd0-4333-a6c5-360beffce75a
phoneNumbers:
- phoneId: 07f1828e-1cd0-4333-a6c5-360beffce75a
type: MOBILE
countryCode: '1'
areaCode: '234'
dialNumber: '5678900'
extension: '1234'
bestTime: Morning
timezone: EST
zip: '10100'
zipSuffix: '1010'
email:
preferredEmailId: 61dd39a5-0b9f-48a8-9a56-e4eca6186c05
emails:
- id: 61dd39a5-0b9f-48a8-9a56-e4eca6186c05
type: PERSONAL
emailAddress: rishal.srivastava@zinnia.com
responses:
'202':
description: Accepted
content:
application/json:
schema:
$ref: '#/components/schemas/SuccessResponseV3'
'400':
description: Bad request
content:
application/json:
schema:
$ref: '#/components/schemas/ValidationResponseV3'
'401':
description: Authentication failed
'403':
description: Access denied
content:
application/json:
schema:
$ref: '#/components/schemas/AccessDeniedResponseV3'
'500':
description: Server error
content:
application/json:
schema:
$ref: '#/components/schemas/ServerErrorResponseV3'
security:
- Auth0: []
components:
schemas:
AccessDeniedResponse:
type: object
properties:
timestamp:
type: string
format: date-time
message:
type: string
example: 'User is not authorized for the carrier : CarrierName_1'
SuccessResponse:
type: object
properties:
statusCode:
type: integer
format: int32
example: 201
timestamp:
type: string
format: date-time
message:
type: string
example: Request Submitted Successfully
ValidationResponse:
type: object
properties:
statusCode:
type: integer
format: int32
example: 400
timestamp:
type: string
format: date-time
errorId:
type: string
example: a4a57ed0-2c1b-4922-9959-3b85dd8a96d3
message:
type: string
example: JSON Valdiation fails with error
error:
type: array
items:
type: string
example: Mandatory attribute label missing
ResourceNotFoundResponse:
type: object
properties:
statusCode:
type: integer
format: int32
example: 404
timestamp:
type: string
format: date-time
errorId:
type: string
example: a4a57ed0-2c1b-4922-9959-3b85dd8a96d3
message:
type: string
example: Resource not found
error:
type: ar
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# Full source: https://raw.githubusercontent.com/api-evangelist/zinnia/refs/heads/main/openapi/zinnia-new-business-annuity-openapi.yml