Reinstate Policy Transaction

Reinstates a previously cancelled policy as of a given date via a REINSTATE transaction. The policy must be Cancelled at the reinstatement date. The action sets policyStatus back to active from the reinstatement date through the end of the policy term and clears the policyEarlyTerminationDate on fullTermPolicyInfo.

Optional fullTermDeltas allow adjusting fullTermPolicyBilling fields (e.g. reinstatement fees). Only fullTermPolicyBilling-prefixed paths are accepted — per-segment data and policy dates are not modifiable via reinstate. Dates are not accepted on these deltas because they always span the full policy term; the server injects them.

Required permission: company.policy:update

POST /api/v1/external/companies/{companyId}/policies/{policyId}/transaction/reinstate

cURL

simpleReinstatement

curl --request POST \
  --url https://app.aiinsurance.io/api/v1/external/companies/{companyId}/policies/{policyId}/transaction/reinstate \
  --header 'Authorization: <api-key>' \
  --header 'Content-Type: application/json' \
  --data '
{
  "reinstatementDate": "2025-07-01"
}
'

201

success

{
  "policyId": "550e8400-e29b-41d4-a716-446655440001",
  "policyVersion": 3,
  "transactionId": "550e8400-e29b-41d4-a716-446655440050",
  "startDate": "2025-01-01",
  "endDate": "2025-12-31",
  "createdAt": "2025-07-01T10:30:00.000Z",
  "fullTermPolicyInfo": {
    "policyStatus": "active",
    "policyStartDate": {
      "year": 2025,
      "month": 1,
      "day": 1,
      "timezone": "America/New_York"
    },
    "policyEndDate": {
      "year": 2025,
      "month": 12,
      "day": 31,
      "timezone": "America/New_York"
    },
    "primaryInsuredId": "550e8400-e29b-41d4-a716-446655440010"
  },
  "fullTermPolicyBilling": {
    "policyPremium": 85000,
    "policyTaxes": 0,
    "policyFees": 500,
    "policyGrandTotal": 85500
  },
  "segments": [
    {
      "startDate": "2025-01-01",
      "endDate": "2025-06-14",
      "fieldModelV1Data": {
        "policy": {
          "policyStatus": "active",
          "annualPremium": 85000,
          "fullTermPolicyInfo": {
            "policyStatus": "active",
            "policyStartDate": {
              "year": 2025,
              "month": 1,
              "day": 1,
              "timezone": "America/New_York"
            },
            "policyEndDate": {
              "year": 2025,
              "month": 12,
              "day": 31,
              "timezone": "America/New_York"
            },
            "primaryInsuredId": "550e8400-e29b-41d4-a716-446655440010"
          },
          "fullTermPolicyBilling": {
            "policyPremium": 85000,
            "policyTaxes": 0,
            "policyFees": 500,
            "policyGrandTotal": 85500
          }
        }
      }
    },
    {
      "startDate": "2025-06-15",
      "endDate": "2025-06-30",
      "fieldModelV1Data": {
        "policy": {
          "policyStatus": "cancelled",
          "annualPremium": 85000,
          "fullTermPolicyInfo": {
            "policyStatus": "active",
            "policyStartDate": {
              "year": 2025,
              "month": 1,
              "day": 1,
              "timezone": "America/New_York"
            },
            "policyEndDate": {
              "year": 2025,
              "month": 12,
              "day": 31,
              "timezone": "America/New_York"
            },
            "primaryInsuredId": "550e8400-e29b-41d4-a716-446655440010"
          },
          "fullTermPolicyBilling": {
            "policyPremium": 85000,
            "policyTaxes": 0,
            "policyFees": 500,
            "policyGrandTotal": 85500
          }
        }
      }
    },
    {
      "startDate": "2025-07-01",
      "endDate": "2025-12-31",
      "fieldModelV1Data": {
        "policy": {
          "policyStatus": "active",
          "annualPremium": 85000,
          "fullTermPolicyInfo": {
            "policyStatus": "active",
            "policyStartDate": {
              "year": 2025,
              "month": 1,
              "day": 1,
              "timezone": "America/New_York"
            },
            "policyEndDate": {
              "year": 2025,
              "month": 12,
              "day": 31,
              "timezone": "America/New_York"
            },
            "primaryInsuredId": "550e8400-e29b-41d4-a716-446655440010"
          },
          "fullTermPolicyBilling": {
            "policyPremium": 85000,
            "policyTaxes": 0,
            "policyFees": 500,
            "policyGrandTotal": 85500
          }
        }
      }
    }
  ]
}

Authorizations

Authorization · string · header · required

API key authentication. Include your API key in the Authorization header.

Path Parameters

companyId · string<uuid> · required

Company identifier

policyId · string<uuid> · required

Policy identifier

Body

application/json

reinstatementDate · string<date> · required

The date the reinstatement takes effect in ISO 8601 format. Must fall within the policy term, and the policy must be Cancelled at this date.

transactionTimestamp · string<date-time>

When the business decision was made. Defaults to the current time if omitted. Set explicitly for imports (e.g., aligning to a bordereau booking date).

fullTermDeltas · object[]

Optional billing-only deltas. Each delta specifies a fullTermPolicyBilling path and a new value. These are applied as Overwrite actions across the full policy term (since fullTermPolicyBilling is a cross-segment invariant that must be identical in every segment).

Note: policyPremium must remain equal to the pre-cancel premium (within 0.01 tolerance). Fees, taxes, and grand total may be adjusted freely.

Show child attributes

Response

201

application/json

Policy reinstated successfully

Response returned by policy transaction endpoints. Contains the policy version produced by the transaction, including all derived segments.

policyId · string<uuid> · required

Policy identifier

policyVersion · integer · required

Sequential version number produced by this transaction

transactionId · string<uuid> · required

Identifier of the transaction that produced this version

startDate · string<date> · required

Policy term start date (ISO 8601)

endDate · string<date> · required

Policy term end date (ISO 8601)

createdAt · string<date-time> · required

When the transaction was created (ISO 8601)

segments · object[] · required

Derived segments for this policy version. Each segment represents a maximal contiguous date range where policy state is identical. Adjacent segments with identical data are automatically merged.

Show child attributes

fullTermPolicyInfo · object

Full-term policy information. Contains policy status, term dates, and primary insured reference.

fullTermPolicyBilling · object

Full-term billing aggregates. Contains premium, taxes, fees, and grand total for the full policy term.