Premium Payments
The premium resource covers all payment data associated with a life insurance contract. Every premium request must include the payer details and the allocation under Self-Invested management mode. Two types of premium payment are supported.
Single premium request (versement libre)
A one-off, discretionary payment made at any time by the policyholder. The amount and allocation are defined at the time of the request.
Recurring premium request (versement programmé)
A scheduled payment set up at a defined frequency (monthly, quarterly, annually). The payer and allocation are configured once and applied automatically at each occurrence. Multiple recurring premiums can coexist on the same contract — each with its own payer, frequency, amount, and allocation.
Validation rules
- Allocation amounts must sum to 10000 basis points, with no duplicate instrument.
- Each allocation instrument must be eligible for the compartment's product.
- A single premium's allocation is locked once the premium is invested.
- A recurring premium's periodicity unit, value, and day-of-month must be valid.
Safe retries
Creating a single premium request, cancelling a single premium request, creating a recurring premium request and cancelling a recurring premium request accept the optional X-Quarzo-Life-Idempotency-Key header. A retry with the same key and request returns the original response without executing the operation again, and the same key with a different request returns 409 IDEMPOTENCY_KEY_CONFLICT. Requests without the header behave as before.