{
  "$schema": "https://json-schema.org/draft/2020-12/schema",
  "$id": "https://raw.githubusercontent.com/api-evangelist/western-and-southern-financial/main/json-schema/western-and-southern-financial-policy-schema.json",
  "title": "Insurance Policy",
  "description": "Represents a life insurance or annuity policy issued by Western & Southern Financial Group.",
  "type": "object",
  "properties": {
    "policyNumber": {
      "type": "string",
      "description": "Unique policy identifier assigned by Western & Southern."
    },
    "policyType": {
      "type": "string",
      "description": "Type of policy.",
      "enum": [
        "Term Life",
        "Whole Life",
        "Universal Life",
        "Variable Universal Life",
        "Fixed Annuity",
        "Variable Annuity",
        "Indexed Annuity",
        "Accident Protection"
      ]
    },
    "status": {
      "type": "string",
      "description": "Current policy status.",
      "enum": ["Active", "Lapsed", "Surrendered", "Matured", "Paid-Up", "Pending"]
    },
    "effectiveDate": {
      "type": "string",
      "format": "date",
      "description": "Date the policy became effective."
    },
    "expirationDate": {
      "type": "string",
      "format": "date",
      "description": "Date the policy expires (for term policies)."
    },
    "premium": {
      "type": "object",
      "description": "Premium payment details.",
      "properties": {
        "amount": {
          "type": "number",
          "format": "double",
          "description": "Premium amount in USD."
        },
        "frequency": {
          "type": "string",
          "enum": ["Monthly", "Quarterly", "Semi-Annual", "Annual"],
          "description": "Payment frequency."
        },
        "nextDueDate": {
          "type": "string",
          "format": "date",
          "description": "Next premium due date."
        }
      },
      "required": ["amount", "frequency"]
    },
    "deathBenefit": {
      "type": "number",
      "format": "double",
      "description": "Death benefit amount in USD."
    },
    "cashValue": {
      "type": "number",
      "format": "double",
      "description": "Current cash value of the policy (for permanent life and annuity products)."
    },
    "surrenderValue": {
      "type": "number",
      "format": "double",
      "description": "Net surrender value after applicable charges."
    },
    "owner": {
      "$ref": "#/$defs/Person",
      "description": "Policy owner."
    },
    "insured": {
      "$ref": "#/$defs/Person",
      "description": "Insured individual."
    },
    "beneficiaries": {
      "type": "array",
      "items": {
        "$ref": "#/$defs/Beneficiary"
      },
      "description": "List of designated beneficiaries."
    },
    "subsidiary": {
      "type": "string",
      "description": "W&S subsidiary issuing the policy.",
      "enum": [
        "Western & Southern Life Insurance Company",
        "Western-Southern Life Assurance Company",
        "Columbus Life Insurance Company",
        "Gerber Life Insurance Company",
        "Integrity Life Insurance Company",
        "National Integrity Life Insurance Company",
        "Lafayette Life Insurance Company"
      ]
    }
  },
  "required": ["policyNumber", "policyType", "status", "effectiveDate"],
  "$defs": {
    "Person": {
      "type": "object",
      "properties": {
        "firstName": {"type": "string"},
        "lastName": {"type": "string"},
        "dateOfBirth": {"type": "string", "format": "date"},
        "ssn": {"type": "string", "description": "Masked SSN for identification."},
        "email": {"type": "string", "format": "email"},
        "phone": {"type": "string"}
      },
      "required": ["firstName", "lastName"]
    },
    "Beneficiary": {
      "type": "object",
      "properties": {
        "firstName": {"type": "string"},
        "lastName": {"type": "string"},
        "relationship": {
          "type": "string",
          "enum": ["Spouse", "Child", "Parent", "Sibling", "Estate", "Trust", "Other"]
        },
        "sharePercentage": {
          "type": "number",
          "minimum": 0,
          "maximum": 100
        },
        "beneficiaryType": {
          "type": "string",
          "enum": ["Primary", "Contingent"]
        }
      },
      "required": ["firstName", "lastName", "sharePercentage", "beneficiaryType"]
    }
  }
}