{
  "estimate_id": "est-500123",
  "base_premium": 980.0,
  "risk_loading": 200.0,
  "discounts": 50.0,
  "stamp_duty": 120.0,
  "annual_premium": 1250.0,
  "currency": "AUD",
  "factors": [
    "sample-factors"
  ]
}