We have a new feature in the suggested coverages endpoint to return the monthly and full term payments for each coverage package when the quote's status is quoted.

This new feature is not enabled by default due to its effect on latency (~500 ms), so you must reach out to your account manager if you wish to see pricing included in the suggested coverages response.

Affected Endpoints

Get suggested coverages

🔍 What’s New

fullTermPayment and monthlyTermPayments options are included under suggestedCoverages with the feature enabled

📌 Important Things to Know

The payment attributes are in the same structure as the main quote endpoint
The payments only show if the quote has a status of quoted
This feature must be enabled for your integration by Root; otherwise, you will not see pricing included in the suggested coverages response
Enabling the feature adds ~500 ms of latency to the request

Sample Response

{
  "suggestedCoverages": [
    {
      // Existing attributes
      "coverages": {...},
      "default": true,
      "description": "The Embedded",
      "derivedFromPriorCoverage": true,
      // New payment attributes; matches the response schema of Get Quote
      "fullTermPayment": {
        "charges": [
          {
            "name": "Premium",
            "amountInCents": 60000,
            "description": "This is the charge for your premium plus any applicable taxes",
            "isFee": true,
            "type": "premium"
          }
        ],
        "totalAmountInCents": 60000,
        "totalAmountInDollars": "$600.00"
      },
      "monthlyTermPayments": [
        {
          "charges": [
            {
              "name": "Premium",
              "amountInCents": 10000,
              "description": "This is the charge for your premium plus any applicable taxes",
              "isFee": true,
              "type": "premium"
            }
          ],
          "totalAmountInCents": 10000,
          "totalAmountInDollars": "$100.00"
        }
      ],
      "name": "Embedded"
    }
  ]
}