We have updated the quoting endpoints to include an additional kind of requirement that can be returned in the response: ineligible. This new requirement kind will be returned when the provided quote has submitted values that are not currently eligible for the named insureds or any data we know about them.

What distinguishes the ineligible requirement kind from other seemingly similar kinds (e.g. invalid or missing) is that this new kind depends on the named insureds' data, rather than the rules for the market alone.

Affected Endpoints

Timeline

Testing

This will be enabled as early as 9am EDT on May 8th, 2025 in our testing environment.

Production

This will be enabled as early as 9am EDT on May 15th, 2025 in our production environment.

Example

In Minnesota, a primary named insured will be ineligible to select work_loss_excluded_modifer as true if the customer is younger than 60 years old. Similar to invalid requirements, any values that are returned as ineligible must be corrected to finalize a quote and bind a policy.

Below is an example response including an ineligible coverage selection for the PIP coverage. As of this changelog, this is the only use case of ineligible, but additional usages are expected in the future.

{
  "attributes": [
      ...
      {
          "kind": {
              "value": "work_loss_excluded_modifier",
              "valid": true,
              "message": null,
              "requirements": []
          },
          "selection": {
              "value": {
                  "description": "Work Loss Excluded Modifier",
                  "id": "Y"
              },
              "valid": true,
              "message": null,
              "requirements": []
          },
          "description": "This coverage has modification options available.",
          "name": "Work Loss Excluded Modifier"
      }
  ],
  "symbol": {
      "value": "pip",
      "valid": false,
      "message": null,
      "requirements": [
        {
          "fulfilled": false,
          "kind": "ineligible",
          "message": "work_loss_excluded_modifer cannot be selected if the primary named insured is younger than 60 years old."
        }
       ]
  },
  "description": "Personal Injury Protection",
  "name": "Personal Injury Protection"
}