# API Flow

This section outlines the recommended API requests sequence to be used when making requests. It covers the full policy lifecycle from authentication, quote creation, data enrichment, calculation, validation, policy issuance, to termination and MTAs (Mid-Term Adjustments).

## Recommended requests sequence

#### 1. **Authentication**

User logs in to receive a bearer token used in all subsequent requests.
**Purpose:** Retrieve bearer token for further authorization.

#### 2. **Create Quote**

Initializes a quote using customer and insured item data.
**Purpose:** Create a new insurance quote.

#### 3. **Calculate Premium**

Returns total period premium based on input data.
**Purpose:** Fetch calculated premiums.

#### 4. **Check Quote Readiness**

Returns available next actions or processing status.
**Purpose:** Confirm that quote processes are complete.

#### 5. **Fetch Full Quote Details**

Returns all data including customer, products, and pricing.
**Purpose:** Retrieve complete quote information.

#### 6. **Update Quote**

Enables updates to customer, insured item, and policy parameters.
**Purpose:** Modify data in the quote.

#### 7. **Recalculate Quote**

Recalculates quote after updates with the latest input.
**Purpose:** Re-run premium calculations.

#### 8. **Generate Quote Documents**

Generates the main document and additional quote files.
**Purpose:** Create PDF documents for the quote.

#### 9. **Bind Quote**

Binds the quote to preserve conditions until issuing.
**Purpose:** Lock the quote terms and premiums.

#### 10. **Issue Policy**

Triggers the issuance process and returns a tracking request ID.
**Purpose:** Issue the policy from a bound quote.

#### 11. **Check Policy Issue Status**

Checks whether the policy is successfully issued or still pending.
**Purpose:** Poll for the policy issuing status.

#### 12. **Get Policy Data**

Returns latest policy version including all fields and documents.
**Purpose:** Fetch the full policy details.

#### 13. **Terminate Policy**

Terminates the policy with provided reason and termination type.
**Purpose:** End an active policy.

#### 14. **Start Mid-Term Adjustment (MTA)**

Starts an MTA process and creates a new quote based on the current policy.
**Purpose:** Initiate changes to an existing policy.

#### 15. **Continue MTA Flow**

Involves readiness check, update, recalculation, binding, and issuing.
**Purpose:** Proceed with the same steps as issuing a new quote.

## Notes

- All steps require authentication with a valid bearer token.
- Mandatory headers must include `x-tenant-id` and `Content-Type: application/json; charset=UTF-8`.
- Quote must be ready before update, bind, or issue actions can proceed.


For a better understanding of the sequence of API calls required for generating and managing policies, refer to the flow diagram and sequence diagram below:

## Sequence diagram

quote and policy flow