BackNine’s API Documentation

Welcome to BackNine’s API documentation! Here you’ll find out how to get rates, setup/pre-fill Quote & Apply, and more.

Quote & Apply Setup

Embed Quote & Apply

The most common method of adding Quote & Apply on your website is by logging into BOSS > Quote & Apply > select your Quote & Apply website > click the “Generate Embed Code” button to copy your unique Quote & Apply code and paste it into the HTML of your website. That’s it! Save your changes and open your webpage.

We suggest you make the width at least 980 pixels and don’t recommend setting a height for Quote & Apply as the page height is dynamic based on the step.

<!-- Before Quote & Apply -->
<!DOCTYPE html>
<html>
  <head>
    <title>My Website!!!</title>
  </head>
  <body>
    <p>This is my website.</p>
  </body>
</html>

<!-- After Quote & Apply -->
<!DOCTYPE html>
<html>
  <head>
    <title>My Website!!!</title>
  </head>
  <body>
    <p>This is my website.</p>
    <div id="container-id"></div>
    <div>
      <script
        id="strife"
        src="https://cdn.quoteandapply.io/widget.js"
        data-strife-key="GpIZ3clg5x96WPR_"
        data-strife-container-id="container-id"
      ></script>
    </div>
  </body>
</html>

The following example details how you can use open Quote & Apply by clicking an image and have it appear as a modal.

Place the code for your button where you want it to appear: In this example, clicking the BackNine logo will open Quote & Apply in a modal. Bind the image to launch Quote & Apply by adding the CSS class "strife-button" to the img attribute. remove the data-strife-container-id attribute.

<!DOCTYPE html>
<html>
  <head>
    <title>My Website!!!</title>
  </head>
  <body>
    <p>This is my website.</p>
    <!-- Embed with an image -->
    <img class="strife-button" src="link/to/your/image" />
    <!-- Embed with a button -->
    <button class="strife-button">Get Quotes</button>
    <!-- Embed with an anchor tag -->
    <a href="#" class="strife-button">Get Quote</a>
    <script
      id="strife"
      src="https://cdn.quoteandapply.io/widget.js"
      data-strife-key="GpIZ3clg5x96WPR_"
    ></script>
  </body>
</html>

Set Agent by NPN

Using a National Producer Number

If you don’t want to create embed codes for each agent, you can paste the code below into the HTML of your website for Quote & Apply to appear. This is the same script as the Embed Code example but without the data-strife-key. You must pass in npn (the agent’s national producer number) so we know who the agent is. If the agent’s NPN doesn’t exist in BackNine’s database, a registration page will appear allowing the agent to sign up and then proceed with Quote & Apply.

referrer_type and referrer_id are optional but are typically used when dynamically passing in the agent’s NPN. The referrer gets access to the eApp and/or new agent that is created.

<div>
  <script
    id="strife"
    src="https://cdn.quoteandapply.io/widget.js?prefill&npn={Your NPN}&referrer_type={Agent|Agency}&referrer_id={AgentID|AgencyID}"
    data-strife-container-id="container-id"
  ></script>
</div>

WordPress Setup

The following example details how you can setup Quote & Apply using Wordpress.

1. Log in to your WordPress site as admin. You should arrive at the Dashboard.

2. Go to your list of pages.

3. Find the page you wish to use Quote & Apply on. Click “Edit”.

4. You should arrive at on an editor that allows you to edit the content of the page.

5. Find and click on the “Text” mode at the top right of the editor. This will allow you to edit the content using HTML code

6. Paste your unique embed code into the editor where you wish Quote & Apply to appear. Then, go to the “Publish” section and hit “Update”. The screen should refresh with a success message

7. Click on “View page” to see your results

BackNine Webpages

BackNine hosts a webpage for every licensed agent that signs up for an account at BOSS. Here’s an example BackNine Webpage: https://app.back9ins.com/apply/ReidTattersall. You can create as many BackNine Webpages as you like and also customize the name (e.g. https://app.back9ins.com/apply/AgencyName). To create a BackNine Webpage, log into BOSS > Quote & Apply > Create a Widget > your BackNine Webpage will be instantly available.

Custom Domain Webpages

For customers with a significant number of agents, Custom Domain Webpages allow your agents to use Quote & Apply with your domain (e.g. https://app.yourdomain.com/AgentName instead of https://app.back9ins.com/apply/AgentName) and don’t require you to set up webpages for your agents. To set this up, please email [email protected] the subdomain and domain that you’d like to use. For example, you could choose the subdomain “app” and have a domain “yourdomain.com” so the URL for your agents would be app.yourdomain.com/AgentName. Once you notify [email protected], we’ll respond with a value that you’ll use to create a CNAME. To create a CNAME, log into your domain’s DNS settings (e.g. GoDaddy), create a CNAME record with your subdomain (e.g. app) and point it to the value we provided you via email. Once you’ve saved your DNS changes you can create links at BOSS > Quote & Apply > Create a Widget with your domain. An example use case is a P&C agency (myagency.com) with 200 agents, rather than embedding Quote & Apply into 200 pages, simply add the agents into BOSS and each agent will be emailed their Quote & Apply website (app.myagency.com/AgentName). There is a one-time charge of $1,000 to setup Custom Domain Webpages (you can then issue as many web pages as you’d like).

Quote & Apply Pre-fill

When loading Quote & Apply, the customer’s data can be pre-filled to create a smoother user experience. For example, https://app.back9ins.com/apply/demo will load Quote & Apply while https://app.back9ins.com/apply/demo?prefill&first_name=John&last_name=Doe will load Quote & Apply with the John Doe’s name pre-filled.

Environment Params

Parameter	Description
`test` boolean	Indicate this is a test eApp. https://app.back9ins.com/apply/demo?prefill&test=true. Test eApps are deleted nightly, do not schedule a real exam, and use a non-production DocuSign.
`metadata` json	Add the metadata param as json to store custom data. Metadata is accessible for your use within BOSS, through CSV export, and webhooks. Limited to 256 characters. https://app.back9ins.com/apply/demo?prefill&metadata={“Campaign”:“Action Sports Agent”}.
`resume_url` string	Allows you to override where the eApp is resumed from. By default, eApps will be resumed from where they are initiated from. Especially useful if the eapp was initiated from a website that requires authentication and you want to share the eApp with customers. If you do not have a public Quote & Apply website, you can send `resume_url=agent-default` and the resume URL will be the agent’s default Quote & Apply website.

Agent/Upline Params

Use these prefill params to set up the agent/upline.

https://back9ins.com/apply?prefill?&npn=8949836

Parameter	Description
`npn` string	The NPN of the agent you’d like to use.
`referrer_type` string	Identifies the referring source of the electronic_application or agent signing up. The referrer will be given access to the eApp and will be added as a connection when using Agent Sign Up. This is your user type within BOSS and it can be obtained by emailing [email protected]. The referrer’s marketing manager will be used when an agent signs up if a data-strife-key is not provided and a marketing_manager_id is not provided.
`referrer_id` number	Identifies the referring source of the electronic_application or agent signing up. The referrer will be given access to the eApp and will be added as a connection when using Agent Sign Up. This is your user ID within BOSS and it can be obtained by emailing [email protected]. The referrer’s marketing manager will be used when an agent signs up if a data-strife-key is not provided and a marketing_manager_id is not provided.

Use these prefill params when agents are signing up with BackNine through Quote & Apply.

Parameter	Description
`assignment_npn` string	For agents signing up via Quote & Apply, the NPN of the agent or agency which the new agent assigns commission to. This assignment_npn must exist within BOSS.
`commission_lock` boolean	For agents signing up via Quote & Apply, disables the new agent’s ability to modify commission rates, commission splits, and where commissions are assigned to. Can be used with assignment_npn to set commission assignment and prevent users from changing them.
`connections` array	For agents signing up via Quote & Apply, creates a connection for each item in the array when agents sign up using Quote & Apply. parent_type and parent_id can be obtained by emailing [email protected]. Example `connections=[{'parent_type': 'Agent', 'parent_id': 1, 'hierarchy': 1}]`
`marketing_manager_id` number	For agents signing up via Quote & Apply, sets the agent’s marketing manager when Agent Sign Up is used and a data-strife-key is not provided. `marketing_manager_id` can be obtained by emailing [email protected].
`referrer_type` string	Identifies the referring source of the electronic_application or agent signing up. The referrer will be given access to the eApp and will be added as a connection when using Agent Sign Up. This is your user type within BOSS and it can be obtained by emailing [email protected]. The referrer’s marketing manager will be used when an agent signs up if a data-strife-key is not provided and a marketing_manager_id is not provided.
`referrer_id` number	Identifies the referring source of the electronic_application or agent signing up. The referrer will be given access to the eApp and will be added as a connection when using Agent Sign Up. This is your user ID within BOSS and it can be obtained by emailing [email protected]. The referrer’s marketing manager will be used when an agent signs up if a data-strife-key is not provided and a marketing_manager_id is not provided.

Insured Params

Use these prefill params to tell us all about your client.

Parameter	Description
`first_name` string	The insured’s first name.
`last_name` string	The insured’s last name.
`gender` string	The insured’s gender. If specified, must be either `Male` or `Female`.
`health` number	The insured’s health, on a scale of 1 through 5.
`smoker` string	The insured’s smoking status. If specified must be `Never`, `Previously`, or `Currently`.
`smoking_statuses` JSON	The list of user’s smoking statuses. See Current Smoker or Previous Smoker for details
`height` number	The insured’s height in inches from 50 - 83.
`weight` number	The insured’s weight in lbs.
`birthdate` date	The insured’s birthdate. Must be in `YYYY-MM-DD` format.
`email` string	The insured’s email address
`phone` number	The insured’s phone number. Must be in (###) ###-#### format.
`street_address` string	The insured’s street address
`city` string	The insured’s city
`state` string	The insured’s state. Must be the two-letter abbreviation. If not specified, Quote & Apply will attempt to get the location by looking at the user’s I.P.
`zip` number	The insured’s zip. Must be 5 numbers long
`years_at_address` number	The number of years the insured has been at their address
`application_state` string	The state of the application (i.e. the state in which to display quotes for and the state where the owner will be signing). Must be the two-letter abbreviation. If not specified, Quote & Apply will attempt to get the location by looking at the user’s I.P. The agent must be licensed in the `application_state` in order to prefill the value.
`employer` string	The insured’s employer. Must be sepecified or `none`
`occupation` string	The insured’s occupation. If employer is `none` options are `disabled`, `unemployed`, `retired`, `student`, `homemaker` otherwise any string
`occupation_years` number	The length of time the insured has held their current occupation.
`employer_street_address` string	The insured’s street employer’s address
`employer_city` string	The insured’s employer’s city
`employer_state` string	The insured’s employer’s state. Must be the two character state abbreviation.
`employer_zip` number	The insured’s employer’s zip. Must be 5 characters long
`parties` array
`income` number	The insured’s income
`assets` number	The insured’s assets
`liabilities` number	The insured’s liabilities
`ssn` string	The insured’s social security number with dashes. Formatted as `###-##-####`
`birth_state_or_country` string	The insured’s birth state or country. See birth_state_or_country values below
`us_citizen` boolean	The insured’s citizenship status
`drivers_license` string	The insured’s drivers license number. If they do not have a drivers license number, specify `none`
`drivers_license_state` string	The insured’s drivers_license_state. Two character state abbreviation capitalized
`no_drivers_license_reason` string	The reason the insured does not have a driver’s license
`bankruptcy` boolean	If the insured has had a bankruptcy
`bankruptcy_type` string	The type of bankruptcy the insured had. Must be `Chapter 7`, `Chapter 11`, `Chapter 12`, `Chapter 13`, or `Chapter 15`
`bankruptcy_discharge_date` date	When the bankrupcy was discharged. Must be formatted `YYYY-MM-DD`.

Party Params (Beneficiaries/Owner).

Individual

Parameter	Description
`type` required string	must be set to `Individual`
`first_name` string	The individual’s first name.
`last_name` string	The individual’s last name.
`relationship` string	How the individual is related to the insured. Possible values are `Brother`, `Business Partner`, `Daughter`, `Domestic Partner`, `Ex-Spouse`, `Father`, `Fiance`, `Friend`, `Granddaughter`,`Grandfather`, `Grandmother`, `Grandson`, `Husband`, `Mother`, `Other`, `Relative`, `Sister`, `Son`, `Spouse`, `Stepfather`, `Stepmother`, or `Wife`.
`gender` string	The individual’s gender. Must be `Male` or `Female`
`email` string	The individual’s email. This is checked via a 3rd party email validator.
`phone_mobile` string	The individual’s phone number. Must be formatted as `(####) ###-####`
`birthdate` string	The individual’s birthdate. Must be formatted as `YYYY-MM-DD`
`address_street` string	The individual’s street address
`address_city` string	The individual’s city
`address_zip` number	No
`address_state` string	The individual’s state. Must be the 2 letter abbreviated state
`address_country` string	The individual’s country. Must be the Full Country Name
`beneficiary_amount` number	The entity’s percent of the benefit. Must be `1 <= => 100`
`is_owner` boolean	This individual is the owner of the policy
`is_primary_beneficiary` boolean	This individual is a Primary Beneficiary
`is_contingent_beneficiary` boolean	This individual is a Contingent Beneficiary

Trust/Business

Key	Description
`type` required string	`Trust` or `Business`
`name` string	The entity’s name.
`tin` string	The entity’s TIN. Must be formatted as `##-#######`
`phone_work` string	The entity’s phone number. Must contain 10 numbers and be formatted as `(###) ###-####`
`email` string	The entity’s email. This is checked via a 3rd party email validator.
`relationship` string	How the entity individual is related to the insured. Must be `Employer` or `Other`. If the entity is the owner, you may specify `Creditor`
`formation_date` date	A Trust’s formation date. Must be formatted
`address_street` string	The entity’s street address
`address_city` string	The entity’s city
`address_zip` number	The entity’s zip. Must be 5 digits long
`address_state` string	The entity’s state. Must be the 2 letter abbreviated state
`address_country` string	The entity’s state. Must be the full country name
`beneficiary_amount` number	The entity’s percent of the benefit. `1 <= => 100`
`responsible_individual_email` string	The signer/trustee’s email (if other than insured)
`responsible_individual_first_name` string	The signer/trustee’s first name (if other than insured)
`responsible_individual_last_name` string	The signer/trustee’s last name (if other than insured)
`responsible_party_relationship` string	If the insured’s title if they’re the signer
`responsible_party_sole_signer` string	If the insured is the only signer
`is_owner` boolean	This entity is the owner of the policy
`is_primary_beneficiary` boolean	This entity is a Primary Beneficiary
`is_contingent_beneficiary` boolean	This entity is a Contingent Beneficiary

Quote & Apply Pre-fill Examples

You can pre-fill Quote & Apply by appending query string params to the URL or to Quote & Apply’s src. The empty param prefill must be one of the top-level search parameters if you wish to use this feature.

Basic

https://app.back9ins.com/apply/demo?prefill&first_name=Mary&last_name=Sue&gender=Female&birthdate=1970-01-01&phone=(800) 790-1951&[email protected]

Pre-fill an application for Mary Sue who was born Jan 1st, 1970, with her phone number and email.

Basic with NPN

https://back9ins.com/apply?prefill&first_name=Mary&last_name=Sue&gender=Female&birthdate=1970-01-01&phone=(800) 790-1951&[email protected]&npn={Your NPN}

In addition to the example #1, you can set the agent by passing in the National Producer Number (NPN) of the agent. If the NPN isn’t BackNine’s BOSS, we’ll show a signup page for the agent to create an account.

Limit Product Types

https://app.back9ins.com/apply/demo?prefill&first_name=Mary&last_name=Sue&gender=Female&birthdate=1970-01-01&phone=(800) 790-1951&[email protected]&health=1&smoker=Never&product_types=[accidental_death]&product_category=Accidental Death&step=quote

Limit the available products to only accidental death, set the product category to accidental death, and have the user land on the quote step. For the user to land on the quote step, all previous steps must be valid so we set health to 1 and smoker to Never.

Current Smoker

https://app.back9ins.com/apply/demo?prefill&first_name=Mary&last_name=Sue&gender=Female&birthdate=1970-01-01&phone=(800) 790-1951&[email protected]&smoker=Currently&smoking_statuses=[{"frequency": 365, "category": "Cigarettes"}]&health=3

Pre-fill an application for Mary Sue who was born Jan 1st, 1970, and currently uses cigarettes daily with health of 3. Note that smoking statuses are JSON.

Previous Smoker

https://app.back9ins.com/apply/demo?prefill&first_name=Mary&last_name=Sue&gender=Female&birthdate=1970-01-01&phone=(800) 790-1951&[email protected]&smoker=Previously&smoking_statuses=[{"frequency": 365, "category": "Cigarettes", "last_use_date": "2000-01-01"}]&health=3

Pre-fill an application for Mary Sue who was born Jan 1st, 1970, and a previous smoker who used cigarettes daily and quit smoking January 1, 2000 with health of 3. Note that smoking statuses are JSON.

Metadata

https://app.back9ins.com/apply/demo?prefill&metadata={"Agentid":"1234","Campaign":"Quote-Life"}

Pre-fill metadata with URL parameters. The pre-fill parameter metadata allows you to store arbitrary information that is displayed when viewing the eApp in BOSS, when you export a CSV of your data within BOSS, or when using Webhooks.

When using metadata, or any JSON, make sure to escape the special characters if used in a script src.

Include Parties (Beneficiaries/Owner)

https://app.back9ins.com/apply/demo?prefill&first_name=Grace&last_name=Shields&state=CA&gender=Female&health=5&smoker=Never&height=66&weight=135&birthdate=1987-01-01&[email protected]&phone=1231231234&street_address=310 N Westlake Blvd&city=Westlake Village&zip=91362&years_at_address=3&employer=BackNine&occupation=SE&occupation_years=5&employer_street_address=310 N Westlake Blvd&employer_state=CA&employer_zip=91362&employer_city=Westlake Vilage&income=50000&assets=25000&liabilities=12500&ssn=123-12-1231&birth_state_or_country=CA&us_citizen=yes&drivers_license=f1234567&drivers_license_state=CA&parties=[{"first_name":"Sadie","last_name":"Guardia","relationship":"Wife","gender":"Male","address_street":"310 N Westlake Blvd","address_city":"Westlake Village","address_zip":"91362","address_state":"CA", "address_country": "United States", "beneficiary_amount":"100","type":"Individual", "is_primary_beneficiary": "true", "birthdate": "1990-01-01"}]

Specify who the beneficiaries are and who the owner is. By default, the insured is the owner.

Script Source

<div id="container-id"></div>
<div>
  <script
    id="strife"
    src="https://cdn.quoteandapply.io/widget.js?prefill&first_name=John&last_name=Doe&test=true"
    data-strife-container-id="container-id"
  ></script>
</div>

Pre-fill the insured’s first and last name by appending parameters to Quote & Apply’s src instead of using URL parameters.

<div id="container-id"></div>
<div>
  <script
    id="strife"
    src='https://cdn.quoteandapply.io/widget.js?prefill&npn={Your NPN}&connections=[{"parent_type": "Agent", "parent_id": 1, "hierarchy": 1}]'
    data-strife-container-id="container-id"
  ></script>
</div>

If you embed Quote & Apply and don’t include a data-strife-key, we won’t know who is adding the agent. In this rare case, add yourself into the hierarchy for agents that create accounts by adding your ID into the connections array. Once the agent creates their account, you’ll be able to view the agent within your BOSS account.

Quote Params

Use these prefill params to dial in the quote for you client.

Parameter	Description
`carriers` array	Limit the carriers. Carrier ID dictionary is available at: https://app.back9ins.com/help-center/articles/128 Example `carriers=[28]`
`cash_value` number	Age to which coverage will last. Only available for Accumulation IUL, Protection IUL, Protection VUL, and UL.
`death_benefit` number	The desired death benefit. Use any number 5000 through 10000000
`guaranteed_issue` boolean	Only available for Final Expense. Only responds to “true”. Use when only guaranteed issue final expense is desired.
`income_end_age` number	Only available on Accumulation IUL, Protection IUL, Protection VUL, and Universal Life when income is on. Any number greater than income_start up to 120,
`income_solve` string	Only available on Accumulation IUL, Protection IUL, Protection VUL, and Universal Life when income is on. Must be either `No` or `Max`.
`income_start_age` number	Only available on Accumulation IUL, Protection IUL, Protection VUL, and Universal Life when income is on. Any number greater than the insured’s age and less than income_end_age up to 120
`lapse_protection_to_age` number	Age to which the insureds policy is protected from lapsing. Only available for Accumulation IUL, Protection IUL, Protection VUL, and UL. `65 <= => 120`
`ltc_rider_percentage` number	Only available when ltc_rider is true. A number between 1-4
`ltc_rider` boolean	Only available on Accumulation IUL, Protection IUL, Protection VUL, and UL.
`mode` number	How many times per year the premium is due. Must be `1`, `2`, `4`, or `12`
`pay_duration` string, number	Duration of premium payments. Only available for Accumulation IUL, Protection IUL, Protection VUL, and UL. `1 <= pay_duration <= 99` or `Lifetime`
`premium` number	Desired amount paid according to the mode
`products` array	Limit the products. Example `products=[105, 270, 323, 472, 2721, 2742, 2499]`
`product_types` array	Array of all or some of the following: `accidental_death`, `aiul`, `ltc`, `linked_benefit`, `fex`, `piul`, `pvul`, `rop_term`, `term`, `ul`, `whole_life`
`selected_type` string	The default product category shown after the birthdate step. Must be `accidentalDeath`, `aiul`, `fex`, `piul`, `ropTerm`, `term`, `ul`, or `wholeLife`
`solve` string	See below for solves
`term_duration` number	Sets the term duration for Term and Return of Premium Term. Must be `10`, `15`, `20`, `25`, `30`, `35`, or `40`

Premium Solves

selected_type	Solve
`aiul`	`Maximum Non-MEC Premium`, `Target Premium`, `Premium Solve Cash Value at Age`
`piul`	`Maximum Non-MEC Premium`, `Target Premium`, `Premium Solve Cash Value at Age`, `Lapse Protection Death Benefit`
`pvul`	`Maximum Non-MEC Premium`, `Target Premium`, `Premium Solve Cash Value at Age`, `Lapse Protection Death Benefit`
`ul`	`Maximum Non-MEC Premium`, `Target Premium`, `Premium Solve Cash Value at Age`, `Lapse Protection Death Benefit`
`wholeLife`	`Base Premium`

Death Benefit Solves

selected_type	Solve
`aiul`	`Min Non-MEC DB`, `Target`, `DB Solve Cash Value at Age`
`piul`	`Min Non-MEC DB`, `Target`, `DB Solve Cash Value at Age`, `Lapse Protection Death Benefit`
`pvul`	`Min Non-MEC DB`, `Target`, `DB Solve Cash Value at Age`, `Lapse Protection Death Benefit`
`ul`	`Min Non-MEC DB`, `Target`, `DB Solve Cash Value at Age`, `Lapse Protection Death Benefit`
`wholeLife`	`Base Death Benefit`

No Solves

selected_type	Solve
`aiul`	`Specify Premium and Death Benefit`
`piul`	`Specify Premium and Death Benefit`
`pvul`	`Specify Premium and Death Benefit`
`ul`	`Specify Premium and Death Benefit`

Smoking Status Object Structure

Use this to populate the smoking statuses array with respect to the smoker prefill option chosen.

Parameter	Description
`category` required string	The item the user uses or has used. Must be `Cigarettes`, `eCigarettes`, `Cigars`, `Pipe`, `Chew`, or `Marijuana`
`frequency` required string	How frequently the user uses or has used. Must be `2`, `12`, `52`, or `365`
`last_use_date` string, optional	The last use date of this item. Must be formatted as `YYYY-MM-DD`. This is required if `smoker` is `Previously`

User Experience Params

Use these prefill params to customize the user experience.

Parameter	Description
`active_first_input` boolean	Causes the first input on Quote & Apply to be active when Quote & Apply loads. This can cause the page to scroll (i.e. jump) if Quote & Apply is below the fold.
`dark` boolean	Enables/disables dark mode
`greeting` string	Override the “greeting” text when asking for first name and last name
`new_npn_greeting` string	Override the “greeting” text if the NPN (National Producer Number) doesn’t exist in BOSS. Example: An integration partners send their agent’s NPN which may or may not exist in BOSS. If it doesn’t exist, the greeting can be customized to “Welcome Integration Partner Users! Please enter your National Producer to create your account”. The default greeting if an NPN doesn’t exist is “Welcome to Quote & Apply. Enter your National Producer Number to Sign Up.”
`step` string	`hearts`, `compare`, `quote`, `contact` The step to land on. `step=quote` and `step=contact` will create an electronic application when the page loads. You must include `selected_type` when using `contact` so the eApp is created for the correct product category. `step=contact` will create the eApp with the first product. You can specify `products` so the eApp is created with your desired product.

Quote & Apply Analytics

Google Analytics

To view your session data within your Google Analytics account, log into BOSS > Quote & Apply > select a specific Quote & Apply website and insert your Google Analytics ID. You should immediately see session data within your Google Analytics account.

If you’d like to utilize our pre-built conversion funnel reports (shown in the image below), navigate to the Google Analytics Solutions Gallery > search for “Quote & Apply Conversion Funnels” > click import next to the result authored by reidtattersall.

After 24 hours, you should see data within your Google Analytics reports (see screenshot) which is located in Google Analytics > Conversions > Goals > Funnel Visualization.

Google Tag Manager

To add your Google Tag Manager ID, log into BOSS > Quote & Apply > select a Quote & Apply website and insert your Google Tag Manager ID. Import this container into your GTM account.

We will not report to your Google Analytics account if you insert a Google Tag Manager ID. If you want to utilize Google Analytics and Google Tag Manager, please implement Google Analytics via Google Tag Manager.

Custom Scripts/Pixels

You can add custom scripts (e.g. tracking software like Hotjar, chat widgets like Zendesk, or pixels from social media companies like Meta) through Google Tag Manager. Add your Google Tag Manager ID on the settings of your Quote & Apply website within BOSS, then add your third party scripts within Google Tag Manager.

Getting Quotes

Endpoint

POST https://app.back9ins.com/api/v1/quotes

content-type: application/json

Authentication

Each request must contain an authentication header:

X-BACKNINE-AUTHENTICATION: your-api-key

Your API key can be found at https://app.back9ins.com/integrations

You must replace your-api-key with your personal API key.

Sample Requests

1. Basic quotes example

{
  "quotes": [{
    "face_amounts": [1000000],
    "gender": "Male",
    "birthdate": "1990-05-11",
    "state": "CA",
    "health": 5,
    "smoker": "Never",
    "mode": 12,
    "product_categories": ["term.10_year"]
  }]
}

2. Example to receive `link_to_share` and `link_to_sms`

{
  "quotes": [{
    "face_amounts": [1000000],
    "gender": "Male",
    "birthdate": "1990-05-11",
    "state": "CA",
    "health": 5,
    "smoker": "Never",
    "mode": 12,
    "product_categories": ["term.10_year"],
    "npn": "1234567",
    "first_name": "John",
    "last_name": "Doe",
    "phone_number": "1234567890"
  }]
}

3. Example to with `usages` and multiple `face_amounts` and `product_categories`


{
  "quotes": [{
    "face_amounts": [500000, 1000000],
    "gender": "Male",
    "birthdate": "1990-05-11",
    "state": "CA",
    "health": 3,
    "height": 69,
    "weight": 170,
    "smoker": "Previously",
    "usages": [
      {
        "status": "Previously",
        "last_use_date": "2018-01-01",
        "frequency": 2,
        "category": "Cigarettes"
      }
    ],
    "mode": 12,
    "product_categories": ["term.10_year", "term.non_med.15_year"],
    "npn": "1234567",
    "first_name": "John",
    "last_name": "Doe",
    "phone_number": "1234567890"
  }]
}

4. Example using Zapier

Parameter	Description
`face_amounts` required boolean	A list of the face amounts being quoted
`state` required string	two digit state abbreviation
`mode` required number	How many times per year the insured will be paying. Possible values are `1`, `2`, `4`, or `12`.
`product_categories` required array	`term.10_year`, `term.15_year`, `term.20_year`, `term.25_year`, `term.30_year`, `term.35_year`, `term.40_year`, `term.non_med.10_year`, `term.non_med.15_year`, `term.non_med.20_year`, `term.non_med.25_year`, `term.non_med.30_year`, `term.return_of_premium.15_year`, `term.return_of_premium.20_year`, `term.return_of_premium.25_year`, `term.return_of_premium.30_year`
`health` required number	`1` - `5` (`5` being the best) required unless `product_category` = `10 Year Non Medical Term`, `15 Year Non Medical Term`, `20 Year Non Medical Term`, `25 Year Non Medical Term`, `30 Year Non Medical Term`
`smoker` required boolean	The smoker status. The prospect’s smoking status. Can be either `Never`, `Previously`, or `Currently`. More information is below. Required unless `Accidental Death`
`usages` array	A list of smoker information for the different types of smokable items. Leave empty or omit if smoker status is `Never`.
`npn` boolean	Including `npn` is required to receive `link_to_sms` and `link_to_share` in the response. The `npn` is the national producer number of the agent the `link_to_sms` and `link_to_share` will be from. The agent must exist in BOSS.
`first_name` string	Including `first_name` is required to receive `link_to_sms` in the response.
`last_name` string	Including `last_name` is required to receive `link_to_sms` in the response.
`phone_number` string	Including `phone_number` is required to receive `link_to_sms` in the response.
`height` number	The insured’s height represented in inches.
`weight` number	The insured’s weight.

Usages

See Above for Smoking Status Object Structure

Parameter	Description
`status` required string	The current status. Must be `Currently`, `Previously`
`category` required string	The item the insured uses or has used. Must be `Cigarettes`, `eCigarettes`, `Cigars`, `Pipe`, `Chew`, or `Marijuana`
`frequency` required string	How frequently the insured uses or has used. Must be `2`, `12`, `52`, or `365`
`last_use_date` string, optional	The last use date of this item. Must be formatted as `YYYY-MM-DD`. This is required if `smoker` is `Previously`

Response Format - Success


{
   "quotes": [
      [
         {
            "face_amount": 1000000.0,
            "birthdate": "2001-01-01",
            "product_category": "20 Year Term",
            "premium": 29.33,
            "annual_premium": 345.11,
            "mode": 12,
            "state": "VA",
            "health": 5,
            "instant_decision": true,
            "validated_rating": "Super Preferred",
            "exam_details": {
               "text": "If you've seen the doctor and completed blood work in the last 18 months you won't need a medical exam. We'll review your medical records and application to confirm.",
               "required": "possibly"
            },
            "carrier": {
               "name": "Banner",
               "avatar_url": "https://d1usw6tyldpxhi.cloudfront.net/square_carrier_avatars/lga_square.svg",
               "established_year": 1981,
               "am_best_rating": "A+",
               "approval_time": 20,
               "preferred": true,
               "id": 28
            },
            "product": {
               "name": "OPTerm 20",
               "id": 105,
               "carrier_e_delivery": true
            },
            "link_to_pdf": "http://www.example.com/api/v1/quotes/6kQ3.pdf",
            "link_to_share": "http://www.example.com/e/6kQ3",
            "link_to_sms": "http://www.example.com/api/v1/quotes/6kQ3/sms"
         },
         {
            "face_amount": 1000000.0,
            "birthdate": "2001-01-01",
            "product_category": "20 Year Term",
            "premium": 29.34,
            "annual_premium": 347.2,
            "mode": 12,
            "state": "VA",
            "health": 5,
            "instant_decision": false,
            "validated_rating": "Super Preferred",
            "exam_details": {
               "text": "requires a complimentary exam. In a few steps you'll schedule your exam at a time and place convenient for you.",
               "required": true
            },
            "carrier": {
               "name": "Corebridge Financial",
               "avatar_url": "https://d1usw6tyldpxhi.cloudfront.net/FMAOLPFO.png",
               "established_year": 1960,
               "am_best_rating": "A",
               "approval_time": 20,
               "preferred": false,
               "id": 37
            },
            "product": {
               "name": "SAT - 20 Year",
               "id": 11,
               "carrier_e_delivery": true
            },
            "link_to_pdf": "http://www.example.com/api/v1/quotes/6kQ3.pdf",
            "link_to_share": "http://www.example.com/e/6kQ3",
            "link_to_sms": "http://www.example.com/api/v1/quotes/6kQ3/sms"
         },
         {
            "face_amount": 1000000.0,
            "birthdate": "2001-01-01",
            "product_category": "20 Year Term",
            "premium": 29.5,
            "annual_premium": 347.1,
            "mode": 12,
            "state": "VA",
            "health": 5,
            "instant_decision": false,
            "validated_rating": "Super Preferred",
            "exam_details": {
               "text": "requires a complimentary exam. In a few steps you'll schedule your exam at a time and place convenient for you.",
               "required": true
            },
            "carrier": {
               "name": "Protective",
               "avatar_url": "https://d1usw6tyldpxhi.cloudfront.net/square_carrier_avatars/protective_square.svg",
               "established_year": 1978,
               "am_best_rating": "A+",
               "approval_time": 20,
               "preferred": false,
               "id": 59
            },
            "product": {
               "name": "Classic Choice Term 20",
               "id": 2612,
               "carrier_e_delivery": true
            },
            "link_to_pdf": "http://www.example.com/api/v1/quotes/6kQ3.pdf",
            "link_to_share": "http://www.example.com/e/6kQ3",
            "link_to_sms": "http://www.example.com/api/v1/quotes/6kQ3/sms"
         },
         {
            "face_amount": 1000000.0,
            "birthdate": "2001-01-01",
            "product_category": "20 Year Term",
            "premium": 29.69,
            "annual_premium": 349.29,
            "mode": 12,
            "state": "VA",
            "health": 5,
            "instant_decision": false,
            "validated_rating": "Super Preferred",
            "exam_details": {
               "text": "If you've seen the doctor and completed blood work in the last 12 months you don't need a medical exam. We'll ask you some questions over the phone and review your medical records.",
               "required": "possibly"
            },
            "carrier": {
               "name": "Pacific Life - Lynchburg",
               "avatar_url": "https://d1usw6tyldpxhi.cloudfront.net/square_carrier_avatars/pacific_life_square.svg",
               "established_year": 1868,
               "am_best_rating": "A+",
               "approval_time": 20,
               "preferred": true,
               "id": 9
            },
            "product": {
               "name": "Promise Term 20",
               "id": 2774,
               "carrier_e_delivery": true
            },
            "link_to_pdf": "http://www.example.com/api/v1/quotes/6kQ3.pdf",
            "link_to_share": "http://www.example.com/e/6kQ3",
            "link_to_sms": "http://www.example.com/api/v1/quotes/6kQ3/sms"
         },
         {
            "face_amount": 1000000.0,
            "birthdate": "2001-01-01",
            "product_category": "20 Year Term",
            "premium": 31.0,
            "annual_premium": 360.44,
            "mode": 12,
            "state": "VA",
            "health": 5,
            "instant_decision": false,
            "validated_rating": "Super Preferred",
            "exam_details": {
               "text": "requires a complimentary exam. In a few steps you'll schedule your exam at a time and place convenient for you.",
               "required": true
            },
            "carrier": {
               "name": "Lincoln National Life",
               "avatar_url": "https://d1usw6tyldpxhi.cloudfront.net/lincoln-financial-logo-square.png",
               "established_year": 1905,
               "am_best_rating": "A+",
               "approval_time": 20,
               "preferred": true,
               "id": 18
            },
            "product": {
               "name": "Lincoln LifeElements 20yr Term",
               "id": 38,
               "carrier_e_delivery": true
            },
            "link_to_pdf": "http://www.example.com/api/v1/quotes/6kQ3.pdf",
            "link_to_share": "http://www.example.com/e/6kQ3",
            "link_to_sms": "http://www.example.com/api/v1/quotes/6kQ3/sms"
         },
         {
            "face_amount": 1000000.0,
            "birthdate": "2001-01-01",
            "product_category": "20 Year Term",
            "premium": 31.45,
            "annual_premium": 370.0,
            "mode": 12,
            "state": "VA",
            "health": 5,
            "instant_decision": false,
            "validated_rating": "Super Preferred",
            "exam_details": {
               "text": "Based on your answers to underwriting questions, an exam may or may not be required.",
               "required": "possibly"
            },
            "carrier": {
               "name": "Transamerica",
               "avatar_url": "https://d1usw6tyldpxhi.cloudfront.net/square_carrier_avatars/transamerica_square.svg",
               "established_year": 1961,
               "am_best_rating": "A",
               "approval_time": 20,
               "preferred": false,
               "id": 79
            },
            "product": {
               "name": "Trendsetter Super (20 Yrs)",
               "id": 531,
               "carrier_e_delivery": true
            },
            "link_to_pdf": "http://www.example.com/api/v1/quotes/6kQ3.pdf",
            "link_to_share": "http://www.example.com/e/6kQ3",
            "link_to_sms": "http://www.example.com/api/v1/quotes/6kQ3/sms"
         },
         {
            "face_amount": 1000000.0,
            "birthdate": "2001-01-01",
            "product_category": "20 Year Term",
            "premium": 33.37,
            "annual_premium": 400.43,
            "mode": 12,
            "state": "VA",
            "health": 5,
            "instant_decision": false,
            "validated_rating": "Super Preferred",
            "exam_details": {
               "text": "requires a complimentary exam. In a few steps you'll schedule your exam at a time and place convenient for you.",
               "required": true
            },
            "carrier": {
               "name": "Savings Bank Life Insurance",
               "avatar_url": "https://d1usw6tyldpxhi.cloudfront.net/square_carrier_avatars/sbli_logo.png",
               "established_year": 1907,
               "am_best_rating": "A",
               "approval_time": 20,
               "preferred": false,
               "id": 3
            },
            "product": {
               "name": "Level Premium Term 20 (guar 20)",
               "id": 145,
               "carrier_e_delivery": true
            },
            "link_to_pdf": "http://www.example.com/api/v1/quotes/6kQ3.pdf",
            "link_to_share": "http://www.example.com/e/6kQ3",
            "link_to_sms": "http://www.example.com/api/v1/quotes/6kQ3/sms"
         },
         {
            "face_amount": 1000000.0,
            "birthdate": "2001-01-01",
            "product_category": "20 Year Term",
            "premium": 34.76,
            "annual_premium": 395.0,
            "mode": 12,
            "state": "VA",
            "health": 5,
            "instant_decision": false,
            "living_benefits_details": {"details": "You can accelerate your death benefit for qualifying terminal, chronic, and critical illness."},
            "validated_rating": "Super Preferred",
            "exam_details": {
               "text": "Based on your answers to underwriting questions, an exam may or may not be required.",
               "required": "possibly"
            },
            "carrier": {
               "name": "North American",
               "avatar_url": "https://d1usw6tyldpxhi.cloudfront.net/north_american_reduced_size_square.png",
               "established_year": 1886,
               "am_best_rating": "A+",
               "approval_time": 20,
               "preferred": false,
               "id": 72
            },
            "product": {
               "name": "ADDvantage 20 (guar 20)",
               "id": 550,
               "carrier_e_delivery": true
            },
            "link_to_pdf": "http://www.example.com/api/v1/quotes/6kQ3.pdf",
            "link_to_share": "http://www.example.com/e/6kQ3",
            "link_to_sms": "http://www.example.com/api/v1/quotes/6kQ3/sms"
         },
         {
            "face_amount": 1000000.0,
            "birthdate": "2001-01-01",
            "product_category": "20 Year Term",
            "premium": 35.12,
            "annual_premium": 408.58,
            "mode": 12,
            "state": "VA",
            "health": 5,
            "instant_decision": false,
            "validated_rating": "Super Preferred",
            "exam_details": {
               "text": "requires a complimentary exam. In a few steps you'll schedule your exam at a time and place convenient for you.",
               "required": true
            },
            "carrier": {
               "name": "Protective",
               "avatar_url": "https://d1usw6tyldpxhi.cloudfront.net/square_carrier_avatars/protective_square.svg",
               "established_year": 1978,
               "am_best_rating": "A+",
               "approval_time": 20,
               "preferred": false,
               "id": 59
            },
            "product": {
               "name": "Custom Choice UL - 20 Year No Lapse",
               "id": 556,
               "carrier_e_delivery": true
            },
            "link_to_pdf": "http://www.example.com/api/v1/quotes/6kQ3.pdf",
            "link_to_share": "http://www.example.com/e/6kQ3",
            "link_to_sms": "http://www.example.com/api/v1/quotes/6kQ3/sms"
         },
         {
            "face_amount": 1000000.0,
            "birthdate": "2001-01-01",
            "product_category": "20 Year Term",
            "premium": 38.94,
            "annual_premium": 445.0,
            "mode": 12,
            "state": "VA",
            "health": 5,
            "instant_decision": false,
            "validated_rating": "Super Preferred",
            "exam_details": {
               "text": "Based on your answers to underwriting questions, an exam may or may not be required.",
               "required": "possibly"
            },
            "carrier": {
               "name": "Prudential Financial",
               "avatar_url": "https://d1usw6tyldpxhi.cloudfront.net/prudential_qa_logo.png",
               "established_year": 1873,
               "am_best_rating": "A+",
               "approval_time": 20,
               "preferred": true,
               "id": 82
            },
            "product": {
               "name": "Term Essential 20",
               "id": 665,
               "carrier_e_delivery": true
            },
            "link_to_pdf": "http://www.example.com/api/v1/quotes/6kQ3.pdf",
            "link_to_share": "http://www.example.com/e/6kQ3",
            "link_to_sms": "http://www.example.com/api/v1/quotes/6kQ3/sms"
         },
         {
            "face_amount": 1000000.0,
            "birthdate": "2001-01-01",
            "product_category": "20 Year Term",
            "premium": 40.22,
            "annual_premium": 465.0,
            "mode": 12,
            "state": "VA",
            "health": 5,
            "instant_decision": false,
            "validated_rating": "Super Preferred",
            "exam_details": {
               "text": "requires a complimentary exam. In a few steps you'll schedule your exam at a time and place convenient for you.",
               "required": true
            },
            "carrier": {
               "name": "John Hancock",
               "avatar_url": "https://d1usw6tyldpxhi.cloudfront.net/john_hancock_scaled_avatar.png",
               "established_year": 1862,
               "am_best_rating": "A+",
               "approval_time": 20,
               "preferred": true,
               "id": 77
            },
            "product": {
               "name": "Protection Term 20",
               "id": 174,
               "carrier_e_delivery": true
            },
            "link_to_pdf": "http://www.example.com/api/v1/quotes/6kQ3.pdf",
            "link_to_share": "http://www.example.com/e/6kQ3",
            "link_to_sms": "http://www.example.com/api/v1/quotes/6kQ3/sms"
         },
         {
            "face_amount": 1000000.0,
            "birthdate": "2001-01-01",
            "product_category": "20 Year Term",
            "premium": 41.43,
            "annual_premium": 478.95,
            "mode": 12,
            "state": "VA",
            "health": 5,
            "instant_decision": false,
            "validated_rating": "Super Preferred",
            "exam_details": {
               "text": "requires a complimentary exam. In a few steps you'll schedule your exam at a time and place convenient for you.",
               "required": true
            },
            "carrier": {
               "name": "John Hancock",
               "avatar_url": "https://d1usw6tyldpxhi.cloudfront.net/john_hancock_scaled_avatar.png",
               "established_year": 1862,
               "am_best_rating": "A+",
               "approval_time": 20,
               "preferred": true,
               "id": 77
            },
            "product": {
               "name": "Protection Term 20 with Vitality",
               "id": 1899,
               "carrier_e_delivery": true
            },
            "link_to_pdf": "http://www.example.com/api/v1/quotes/6kQ3.pdf",
            "link_to_share": "http://www.example.com/e/6kQ3",
            "link_to_sms": "http://www.example.com/api/v1/quotes/6kQ3/sms"
         },
         {
            "face_amount": 1000000.0,
            "birthdate": "2001-01-01",
            "product_category": "20 Year Term",
            "premium": 43.5,
            "annual_premium": 500.0,
            "mode": 12,
            "state": "VA",
            "health": 5,
            "instant_decision": false,
            "validated_rating": "Super Preferred",
            "exam_details": {
               "text": "Based on your answers to underwriting questions, an exam may or may not be required.",
               "required": "possibly"
            },
            "carrier": {
               "name": "Assurity",
               "avatar_url": "https://d1usw6tyldpxhi.cloudfront.net/assurity-life-insurance-company.png",
               "established_year": 1964,
               "am_best_rating": "A-",
               "approval_time": 20,
               "preferred": false,
               "id": 4
            },
            "product": {
               "name": "20 Year Term",
               "id": 219,
               "carrier_e_delivery": false
            },
            "link_to_pdf": "http://www.example.com/api/v1/quotes/6kQ3.pdf",
            "link_to_share": "http://www.example.com/e/6kQ3",
            "link_to_sms": "http://www.example.com/api/v1/quotes/6kQ3/sms"
         },
         {
            "face_amount": 1000000.0,
            "birthdate": "2001-01-01",
            "product_category": "20 Year Term",
            "premium": 44.44,
            "annual_premium": 505.0,
            "mode": 12,
            "state": "VA",
            "health": 5,
            "instant_decision": false,
            "living_benefits_details": {"details": "You can accelerate your death benefit for qualifying terminal, chronic, and critical illness."}
            "validated_rating": "Super Preferred",
            "exam_details": {
               "text": "Based on your answers to underwriting questions, an exam may or may not be required.",
               "required": "possibly"
            },
            "carrier": {
               "name": "Life Insurance Company of the Southwest",
               "avatar_url": "https://d1usw6tyldpxhi.cloudfront.net/square_carrier_avatars/national-life-group-logo-vector.svg",
               "established_year": 1955,
               "am_best_rating": "A+",
               "approval_time": 20,
               "preferred": false,
               "id": 10
            },
            "product": {
               "name": "Term 20",
               "id": 697,
               "carrier_e_delivery": true
            },
            "link_to_pdf": "http://www.example.com/api/v1/quotes/6kQ3.pdf",
            "link_to_share": "http://www.example.com/e/6kQ3",
            "link_to_sms": "http://www.example.com/api/v1/quotes/6kQ3/sms"
         },
         {
            "face_amount": 1000000.0,
            "birthdate": "2001-01-01",
            "product_category": "20 Year Term",
            "premium": 53.32,
            "annual_premium": 620.0,
            "mode": 12,
            "state": "VA",
            "health": 5,
            "instant_decision": false,
            "living_benefits_details": {"details": "You can accelerate your death benefit for qualifying terminal, chronic, and critical illness."}
            "validated_rating": "Super Preferred",
            "exam_details": {
               "text": "Based on your answers to underwriting questions, an exam may or may not be required.",
               "required": "possibly"
            },
            "carrier": {
               "name": "Transamerica",
               "avatar_url": "https://d1usw6tyldpxhi.cloudfront.net/square_carrier_avatars/transamerica_square.svg",
               "established_year": 1961,
               "am_best_rating": "A",
               "approval_time": 20,
               "preferred": false,
               "id": 79
            },
            "product": {
               "name": "Trendsetter LB 20",
               "id": 441,
               "carrier_e_delivery": true
            },
            "link_to_pdf": "http://www.example.com/api/v1/quotes/6kQ3.pdf",
            "link_to_share": "http://www.example.com/e/6kQ3",
            "link_to_sms": "http://www.example.com/api/v1/quotes/6kQ3/sms"
         },
         {
            "face_amount": 1000000.0,
            "birthdate": "2001-01-01",
            "product_category": "20 Year Term",
            "premium": 61.69,
            "annual_premium": 705.0,
            "mode": 12,
            "state": "VA",
            "health": 5,
            "instant_decision": false,
            "validated_rating": "Super Preferred",
            "exam_details": {
               "text": "requires a complimentary exam. In a few steps you'll schedule your exam at a time and place convenient for you.",
               "required": true
            },
            "carrier": {
               "name": "Nationwide",
               "avatar_url": "https://d1usw6tyldpxhi.cloudfront.net/nationwide-logo-seo.png",
               "established_year": 1981,
               "am_best_rating": "A+",
               "approval_time": 20,
               "preferred": false,
               "id": 39
            },
            "product": {
               "name": "YourLife 20 Year Term",
               "id": 284,
               "carrier_e_delivery": false
            },
            "link_to_pdf": "http://www.example.com/api/v1/quotes/6kQ3.pdf",
            "link_to_share": "http://www.example.com/e/6kQ3",
            "link_to_sms": "http://www.example.com/api/v1/quotes/6kQ3/sms"
         }
      ]
   ]
}

The details entry is an array of per-requested quote response. This meaning that the array by index will tell you which quote requests by index had parameter errors as well as telling you which were sent correctly displaying the value “valid”, otherwise it will contain an array of which parameters caused the error.

Response Format - Error

Error code 400 for malformed JSON

POST "https://app.back9ins.com/api/v1/quotes", params: "{face_amounts[]}", headers: { "Content-Type" => "application/json", "X-BACKNINE-AUTHENTICATION" => API_KEY }

"error": "Failed to parse parameters"

Error code 404 for missing API key

POST "https://app.back9ins.com/api/v1/quotes"

"errors": ["API key not provided"]

Error code 422 when params are missing

POST "https://app.back9ins.com/api/v1/quotes", headers: { "X-BACKNINE-AUTHENTICATION" => API_KEY }

"error": "Missing parameters (:quotes)"

Error code 422 when params are invalid

POST "https://app.back9ins.com/api/v1/quotes", params: { quotes: [{ hello: "world" }] }, headers: { "X-BACKNINE-AUTHENTICATION" => API_KEY }

"details": [{
   "birthdate": ["can't be blank"],
   "face_amounts": ["must include at least one"],
   "gender": ["can't be blank"],
   "mode": ["can't be blank"],
   "product_categories": ["must include at least one"],
   "state": ["can't be blank"]
}],
"error": "One or more of your parameters were invalid"

Sending the SMS

Send a POST request to the link_to_sms URL provided within the quotes request. No authentication is needed. POST https://example.com/api/v1/quotes/3kTMd/sms

Pre-filling Quote & Apply

You can use the data from the quotes to pre-fill your eApp with a selected quote (potentially chosen by the user). For example, if you wanted the user to land on the quote step and see the same product that they choose from within your application, set step=quote and product_id.

Text Messaging

Summary

BackNine’s text messaging endpoint allows you to send POST requests which result in a personalized text message to your prospect that contains a customized rate, your name, your Quote & Apply website, and a link to apply. The text message looks like this:

Hi John, this is your insurance agent Reid Tattersall. Did you know you could protect your loved ones with life insurance for as low as $30 per month for $1,000,000? Here’s a no obligation quote: https://app.back9ins.com/t/35a77cf5

Clicking the link will launch Quote & Apply with the client’s information pre-filled.

This service cannot be used for mass and or blast text messages. The API has a limiter to only accept a certain number of requests per time period.

Endpoint

POST https://app.back9ins.com/api/v1/text

Authentication

Each request must contain an authentication header:

X-BACKNINE-AUTHENTICATION: your-api-key

Your API key can be found at https://app.back9ins.com/integrations

You must replace your-api-key with your personal API key.

Sample Request

{
  "sender_npn": "1234567",
  "first_name": "John",
  "last_name": "Doe",
  "phone_number": "8056600999",
  "death_benefit": 1000000,
  "gender": "Male",
  "birthdate": "1990-05-11",
  "state": "CA",
  "health": 5,
  "smoker": "Never",
  "mode": 12,
  "product_category": "10 Year Term"
}

Send an HTTPS POST request to the above route along with the request body in order to retrieve send a text message:

Parameter	Description
sender_npn required number	The national producer number of the agent the text will be from. The agent must exist in BOSS and either the NPN and API must belong to the same agent or you must have a connection to the agent.
first_name required string	The prospect’s first name.
last_name required string	The prospect’s last name.
phone_number required string	The propsect’s 10 digit phone number. `(###) ###-####`
death_benefit required number	Suggested amount is `1000000` and ranges from `50000` to `10000000`.
gender required string	Either `Male` or `Female`.
birthdate required date	The prospect’s birthdate in `YYYY-MM-DD` format.
state required string	Two digit state abbreviation.
health required number	1 - 5 (5 being the best).
smoker required string	The prospect’s smoking status. Can be either `Never`, `Previously`, or `Currently`. More information is below.
usages required array	A list of smoker information. Leave empty or omit if `smoker` is `Never`.
mode required number	How many times per year the insured will be paying. Must be `1`, `2`, `4`, or `12`.
product_category required string	`Accidental Death`, `10 Year Term`, `15 Year Return of Premium Term`, `15 Year Term`, `20 Year Return of Premium Term`, `20 Year Term`, `25 Year Return of Premium Term`, `25 Year Term`, `30 Year Return of Premium Term`, `30 Year Term`, `To Age 95`, `To Age 100`, `To Age 120`.

Usages

See Above for Smoking Status Object Structure

Parameter	Description
`category` required string	The item the user uses or has used. Must be `Cigarettes`, `eCigarettes`, `Cigars`, `Pipe`, `Chew`, or `Marijuana`
`frequency` required string	How frequently the user uses or has used. Must be `2`, `12`, `52`, or `365`
`last_use_date` string, optional	The last use date of this item. Must be formatted as `YYYY-MM-DD`. This is required if `smoker` is `Previously`

Response Format

If the request is successful, you will receive a 204 response.

Error Handling

If the request is not successful due to not having all required fields, you will receive an error message.

Accidental Death API

Endpoint

The endpoint for this action is as follows:

POST https://app.back9ins.com/api/v1/apply/accidental_death

Authentication

Each request must contain an authentication header:

X-BACKNINE-AUTHENTICATION: your-api-key

Your API key can be found at https://app.back9ins.com/integrations

You must replace your-api-key with your personal API key.

Parameters

{
  "eft": {
    "account_type": "Checking",
    "routing_number": "000000000",
    "account_number": "0"
  },
  "electronic_application": {
    "approved_domain_id": 1,
    "face_amount": 500000,
    "gender": "Male",
    "birthdate": "1990-05-11",
    "state": "CA",
    "mode": 12,
    "product_category": "Accidental Death",
    "application_roles_attributes": [
      {
        "role": "Insured",
        "ownable_attributes": {
          "ownable_type": "Individual",
          "first_name": "John",
          "last_name": "Doe",
          "gender": "Male",
          "birthdate": "1990-05-11",
          "email": "[email protected]",
          "phone_mobile": "(123) 456-7890",
          "ssn": "123-45-6789",
          "birth_location": "FL",
          "addresses_attributes": [
            {
              "address_type": "home",
              "street_address": "1234 My Street",
              "city": "Westlake Village",
              "state": "CA",
              "zip": "91362",
              "country": "United States"
            }
          ]
        }
      },
      {
        "role": "Primary Beneficiary",
        "relationship": "Other",
        "beneficiary_qualifier": "Percent",
        "beneficiary_amount": 1,
        "ownable_attributes": {
          "ownable_type": "Entity",
          "name": "Test Business",
          "tin": "12-3456789",
          "phone_work": "(123) 456-7890"
        }
      },
      {
        "role": "Contingent Beneficiary",
        "relationship": "Grandfather",
        "beneficiary_qualifier": "Percent",
        "beneficiary_amount": 1,
        "ownable_attributes": {
          "ownable_type": "Individual",
          "first_name": "Test",
          "last_name": "Beneficiary",
          "birthdate": "1950-05-11"
        }
      }
    ],
    "electronic_application_cases_attributes": [
      {
        "product_id": 2645,
        "status": "Active"
      }
    ],
    "editors_attributes": [{
      "name": "Test Editor",
      "email": "[email protected]"
    }]
  }
}

Send an HTTPS POST request to the above route along with the request body to generate an eApp session for your client.

Top-level parameters

These are the top-level JSON parameters you will be sending to our endpoint.

Parameter	Description
`electronic_application` required object	See parameters below.
`eft` required object	See parameters below.

Electronic Application parameters

These describe the electronic_application parameter listed above.

Parameter	Description
`approved_domain_id` required number	The ID of the approved domain. Check BOSS to get the ID of the domain you wish to associate the eApp with.
`face_amount` required number	The face amount applied for.
`gender` required string	The gender of the applicant. Must be “Male” or “Female”.
`birthdate` required date	The birthdate in YYYY-MM-DD format.
`state` required string	The 2 digit state abbreviation.
`mode` required number	A number representing the premium mode. Can be 12 (monthly), 4 (quarterly), 2 (semi-annually), or 1 (annually).
`test` required boolean	Indicates whether this is a test eApp or a real eApp. Defaults to the value on the approved domain. Check BOSS to see the value for the domain you pass in.

application_roles_attributes required
array Creates roles such as “insured” on the policy.

Application Roles parameters

These describe the application_roles_attributes parameter listed above. You can use this parameter to pre-fill the insured’s info on the eApp. You also use this parameter to determine who will be the beneficiaries. You must have at least one primary beneficiary. The sum of all primary beneficiaries must add up to 1 (or 100%). The sum of all contingent beneficiaries must also add up to 1 (or 100%).

Parameter	Description
`role` required string	The role of the ownable on the policy. Valid options are: “Insured”, “Primary Beneficiary”, “Contingent Beneficiary”.
`relationship` required string	The relationship to the Insured. Can be `"Mother"`, `"Father"`, `"Grandfather"`, `"Brother"`, `"Sister"`, etc. This field must be `null` for the insured.
`beneficiary_qualifier` required string	Must be `"Percent"`. Only used for beneficiaries. Required and reserved for beneficiaries only
`beneficiary_amount` required number	A floating-point number representing the percentage the beneficiary will receive if the insured passes. 1 means 100%, 0.5 means 50%, etc. Only used for beneficiaries.
`ownable_attributes` required object	Attributes describing the ownable.

Ownable parameters

These describe the ownable_attributes parameter listed above for Application Roles. This is a polymorphic association, but we currently only support parameters describing an individual. You can use this parameter to pre-fill the insured’s info on the eApp.

Parameter	Description
`ownable_type` required string	The type of the ownable. Must be “Individual”.
`first_name` required string
`last_name` required string
`phone_mobile` required string	The individual’s phone number. It must be in the format `(###) ###-####`. This is the phone number that shows up on the personal information section (step 2) of the app.
`email` required string	Must be in a valid email format.
`ssn` required string	Must be in the format `###-##-####`.
`birthdate` required date	Must be in the format `YYYY-MM-DD`.
`gender` required string	Must be either `Male` or `Female`.

Address parameters

This section describes one entry in the addresses_attributes array.

Parameter	Description
`address_type` required string	Currently can only be “home”.
`street_address` required string	The ownable’s street address, both name and number. For example, “1234 My Street”.
`city` required string
`state` required string	The state’s two letter abbreviation, such as “CA” for California.
`zip` required number	The 5 digit postal code. Must be in the format “XXXXX”.
`country` required string	Currently we only support “United States”.

Electronic Application Case parameters

This section describes one entry in the electronic_application_cases_attributes array.

Use this section to list the applicants pending and inforce insurance. Only one electronic_application_case per status is necessary.

Parameter	Description
`product_id` required number	Currently can only be `2645`.
`status` required string	Can be `"Active", "Pending", or "Active - Being Replaced"`.

EFT parameters

These describe the top-level eft parameter listed above. The EFT must be the insured’s EFT.

Parameter	Description
`account_type` required string	“Checking” or “Savings”.
`routing_number` required string	A valid routing number (no spaces).
`account_number` required string	A valid account number (no spaces).

Webhooks

Authentication Key

Each webhook request contains the header X-BACKNINE-AUTHENTICATION with a consistent unique secret value you can use to secure your endpoint. This secret value is not your API key and will be unique per webhook (i.e. the value for Case webhooks will be different than Quote & Apply Application webhooks). You can find this value by viewing a webhook response.

Cases and Quote & Apply Applications

Subscribing to our Case or Quote & Apply Application webhooks allows you to integrate Case and Quote & Apply application data with your systems. Once subscribed we’ll send a webhook everytime one of your cases or Quote & Apply applications is created or updated.

Example Use Cases

Acme Insurance Agency wants to track their Quote & Apply applications so their call center can call prospects when the prospect provides their contact information. Using the webhook, Acme receives the Quote & Apply application data and stores it in their database. Once they receive the data with an insured’s phone and email, a call center agent is notified and calls the prospect.
A CRM uses BackNine’s webhooks to display up to date Case and Quote & Apply data within their CRM for their users.
John Doe Insurance Services wants their Quote & Apply prospects to be added to their email marketing campaigns. They connect this hook to their email marketing program so the prospect receives emails from John Doe Insurance Services.

On the integrations page in BOSS, find the Case or Electronic Application hook via BackNine. Paste in your desired endpoint for us to post data to. This option is completely free for unlimited amount of data transfers but takes some development work on your end to complete the integration.

Click this link to view our suite of Zaps. Zapier is free up to a certain amount of tasks performed, but after that threshold is passed each zap accrues charges on your account.

Example Data Structure

An example request to demonstrate the data structure is below. You can also send a GET request to one of the following URL’s with X-BACKNINE-AUTHENTICATION as a header with a value of your API key to receive a response on an example Case or Quote & Apply Application.

Example case data struture: https://app.back9ins.com/api/v1/webhook_zapier_test_case Example Quote & Apply Application (aka ElectronicApplication or eApp) data structure:https://app.back9ins.com/api/v1/webhook_zapier_test_electronic_application

Example Quote & Apply application response with nested Case is shown in the example.

[
   {
      "id":116662,
      "uuid":"ae9f4263-95e6-4fab-ab65-7a641bef0e81",
      "approved_domain_id": 1,
      "step":14,
      "named_step": "DocuSign - Final Step",
      "face_amount":1000000.0,
      "premium":44.94,
      "target_premium":null,
      "mode":12,
      "pay_duration":null,
      "state":"CA",
      "url":"https://quoteandapply.io/",
      "apply_link": "https://quoteandapply.io/?strife_id=116662&strife_uuid=a36d5544-5013-43cf-b3e9-58f59dc92fd3",
      "metadata": null,
      "first_name":"John",
      "last_name":"Doe",
      "birthdate":"1987-01-02",
      "gender":"Male",
      "zip":null,
      "cash_value":1.0,
      "age_value":120,
      "ltc_rider_percentage":4,
      "other_pending_insurance_amount_to_be_accepted":null,
      "exam_date":"2020-12-14T07:45:00.000-08:00",
      "order_number":"TestModeConfirmation",
      "smoker":"Currently",
      "health":4,
      "height":69,
      "weight":160,
      "validated_rating":"Preferred NT",
      "referrer_id":null,
      "referrer_type":null,
      "product_category":"20 Year Term",
      "solve":"term",
      "crediting_rate":"Default Rate",
      "ltc_rider":false,
      "income_solve":"No",
      "income_start_age":65,
      "income_end_age":90,
      "lapse_protection_to_age":100,
      "part2":null,
      "humanized":null,
      "test":false,
      "tia":true,
      "has_physician":true,
      "sync_now":true,
      "human_api_invited_at":null,
      "eft":true,
      "exam_skip_reason":null,
      "status":"Completed",
      "call_center":true,
      "agent_phone":"(805) 413-7562",
      "agent":{
         "id":1179,
         "name":"Reid Tattersall",
         "avatar":"production/agents/YBOQLRNVVGSIUTAT",
         "email":"[email protected]",
         "type":{
            "model":"Agent",
            "link":"agents"
         },
         "phone_work":"(805) 413-7562",
         "npn":10790698
      },
      "product":{
         "id":105,
         "name":"OPTerm 20",
         "carrier":{
            "id":28,
            "name":"Banner",
            "avatar":"https://d1usw6tyldpxhi.cloudfront.net/591900ff-cece-5ce0-0d1c-4f76313d2f3d.png",
            "scaled_avatar":"https://d1usw6tyldpxhi.cloudfront.net/MZJJPPDV.jpg"
         }
      },
      "carrier":{
         "id":28,
         "name":"Banner",
         "avatar":"https://d1usw6tyldpxhi.cloudfront.net/591900ff-cece-5ce0-0d1c-4f76313d2f3d.png",
         "scaled_avatar":"https://d1usw6tyldpxhi.cloudfront.net/MZJJPPDV.jpg"
      },
      "case":{
         "id":26723,
         "line":"life",
         "policy_number":"Pending",
         "elimination_period":null,
         "inflation":null,
         "benefit_period":null,
         "benefit_amount":null,
         "benefit_mode":null,
         "premium":{
            "premium":44.94,
            "total":539.28
         },
         "tax_type":"Non-Qualified",
         "surrender_charge_expiration":0,
         "tracking_number":null,
         "advisors":[
            {
               "marketing_manager_id":1,
               "id":1179,
               "type":"Agent",
               "ownable":{
                  "id":1179,
                  "name":"Reid Tattersall",
                  "avatar":"production/agents/YBOQLRNVVGSIUTAT",
                  "email":"[email protected]",
                  "type":{
                     "model":"Agent",
                     "link":"agents"
                  },
                  "phone_work":"(805) 413-7562",
                  "npn":10790698
               },
               "appointment":{
                  "id":8247,
                  "name":"W2Q0000 (assigning to BackNine)",
                  "assignment":{
                     "id":2212,
                     "name":"W2Q0000"
                  }
               },
               "appointment_case_id":28073,
               "reports":{
                  "id":8247,
                  "name":"W2Q0000 (assigning to BackNine)",
                  "assignment":{
                     "id":2212,
                     "name":"W2Q0000"
                  }
               },
               "marketing_manager":{
                  "id":1,
                  "name":"Reid Tattersall"
               },
               "percents":{
                  "split_percent":1.0,
                  "renewal_split":1.0
               }
            }
         ],
         "contract_parties":[
            {
               "id":60668,
               "type":"individual",
               "name":"John Doe",
               "first_name":"John",
               "last_name":"Doe",
               "avatar":"production/contract_parties/CXATZRSU",
               "birthdate":"1987-01-02",
               "party_id":"121-65-5465",
               "email":"[email protected]",
               "roles":[
                  {
                     "id":76132,
                     "role":"Insured",
                     "rating_applied":"Preferred NT",
                     "approval_rating":null,
                     "underwriting_rational":null,
                     "occupation_class":null,
                     "beneficiary_qualifier":null,
                     "beneficiary_amount":null
                  },
                  {
                     "id":76133,
                     "role":"Owner",
                     "rating_applied":"Preferred NT",
                     "approval_rating":null,
                     "underwriting_rational":null,
                     "occupation_class":null,
                     "beneficiary_qualifier":null,
                     "beneficiary_amount":null
                  }
               ]
            },
            {
               "id":60669,
               "type":"individual",
               "name":"Jane Doe",
               "first_name":"Jane",
               "last_name":"Doe",
               "avatar":"production/contract_parties/OMSFMFXI",
               "birthdate":"1990-01-02",
               "party_id":"645-54-6546",
               "email":"[email protected]",
               "roles":[
                  {
                     "id":76134,
                     "role":"Primary Beneficiary",
                     "rating_applied":"Preferred NT",
                     "approval_rating":null,
                     "underwriting_rational":null,
                     "occupation_class":null,
                     "beneficiary_qualifier":"Percent",
                     "beneficiary_amount":1.0
                  }
               ]
            },
            {
               "id":60670,
               "type":"entity",
               "name":"BackNine",
               "first_name":null,
               "last_name":null,
               "avatar":"production/contract_parties/ILDVJSRA",
               "birthdate":null,
               "party_id":"65-4564445",
               "email":"[email protected]",
               "roles":[
                  {
                     "id":76135,
                     "role":"Contingent Beneficiary",
                     "rating_applied":"Preferred NT",
                     "approval_rating":null,
                     "underwriting_rational":null,
                     "occupation_class":null,
                     "beneficiary_qualifier":"Percent",
                     "beneficiary_amount":0.5
                  }
               ]
            },
            {
               "id":60671,
               "type":"entity",
               "name":"Family Trust",
               "first_name":null,
               "last_name":null,
               "avatar":"production/contract_parties/MSCASACK",
               "birthdate":"1999-01-02",
               "party_id":"54-5681548",
               "email":"[email protected]",
               "roles":[
                  {
                     "id":76136,
                     "role":"Contingent Beneficiary",
                     "rating_applied":"Preferred NT",
                     "approval_rating":null,
                     "underwriting_rational":null,
                     "occupation_class":null,
                     "beneficiary_qualifier":"Percent",
                     "beneficiary_amount":0.5
                  }
               ]
            }
         ],
         "status":"Closed - Not Submitted to Carrier",
         "face_amount":1000000.0,
         "mode":12,
         "outstanding":3,
         "commission":0.8,
         "case_manager":{
            "id":6567,
            "name":"Carly Ryan",
            "avatar":"production/BQWTXCUCRZJQKWCY",
            "email":"[email protected]",
            "type":{
               "model":"Agent",
               "link":"agents"
            },
            "phone_work":"805-557-1533",
            "npn":null
         },
         "notes":[
            {
               "id":1910706,
               "note":"Reid Tattersall has changed the status to Closed - Not Submitted to Carrier on Pending",
               "email":false,
               "date":"2020-12-09T01:25:58.000-08:00",
               "notable_id":26723,
               "notable_type":"Case",
               "ownable":{
                  "id":1179,
                  "name":"Reid Tattersall",
                  "avatar":"production/agents/YBOQLRNVVGSIUTAT",
                  "type":{
                     "link":"agents",
                     "model":"Agent"
                  }
               },
               "created_at":"2020-12-09T01:25:58.000-08:00",
               "advisor_access":true,
               "carrier_access":false,
               "carrier_email":false,
               "phone_call":false,
               "documents":[

               ]
            },
            {
               "id":1910705,
               "note":"This is a test case for webhooks and should not be deleted.",
               "email":false,
               "date":"2020-12-09T01:25:49.000-08:00",
               "notable_id":26723,
               "notable_type":"Case",
               "ownable":{
                  "id":1179,
                  "name":"Reid Tattersall",
                  "avatar":"production/agents/YBOQLRNVVGSIUTAT",
                  "type":{
                     "link":"agents",
                     "model":"Agent"
                  }
               },
               "created_at":"2020-12-09T01:25:49.000-08:00",
               "advisor_access":true,
               "carrier_access":false,
               "carrier_email":false,
               "phone_call":false,
               "documents":[

               ]
            },
            {
               "id":1910703,
               "note":"Hello Reid, this Banner policy is set for eDelivery so please let me know if you prefer a paper policy. eDelivery emails are sent from DocuSign and your client's access is the first 5 letters of their last name and the last 4 digits of their SSN. You can \u003Ca href='http://www.lgamerica.com/edelivery/'\u003Eclick here\u003C/a\u003E to learn about eDelivery from Banner. ",
               "email":true,
               "date":"2020-12-09T01:25:10.000-08:00",
               "notable_id":26723,
               "notable_type":"Case",
               "ownable":{
                  "id":6567,
                  "name":"Carly Ryan",
                  "avatar":"production/BQWTXCUCRZJQKWCY",
                  "type":{
                     "link":"agents",
                     "model":"Agent"
                  }
               },
               "created_at":"2020-12-09T01:25:10.000-08:00",
               "advisor_access":true,
               "carrier_access":false,
               "carrier_email":false,
               "phone_call":false,
               "documents":[

               ]
            }
         ],
         "policy_date":null,
         "conversion_expiry":null,
         "next_call_at":"2020-12-17T09:00:00.000-08:00",
         "days_pending":0,
         "created_at":"2020-12-09T01:25:08.000-08:00",
         "submitted_date":null,
         "approved_date":null,
         "issue_date":null,
         "sent_to_agent":null,
         "inforce_date":null,
         "app_sign_date":"2020-12-09",
         "delivery_requirements_due_date":null,
         "closed_date":"2020-12-09",
         "ltc_rider":false,
         "state":"CA",
         "exchange_amount":0.0,
         "lump_sum":0.0,
         "tracking_number_type":"USPS",
         "tracking_number_link":"https://tools.usps.com/go/TrackConfirmAction?tLabels=",
         "informal_options":[
            "All Offers In",
            "Informal Formalized",
            "Informal Closed",
            "Awaiting Carrier Offers",
            "Gathering Medical Information",
            "Informal Entered"
         ],
         "commissionable":true,
         "target_premium":null,
         "timeline":[
            {
               "date":"2020-12-09",
               "description":"Application Signed"
            },
            {
               "date":"2020-12-09T01:25:08.000-08:00",
               "description":"Received by BackNine"
            },
            {
               "date":"2020-12-09",
               "description":"Closed"
            }
         ],
         "carrier_e_delivery":true,
         "informal":false,
         "cash_received":44.94,
         "applied_mode":12,
         "applied_premium":44.94,
         "case_concierge":{
            "id":1448,
            "name":"Cindy Smith",
            "avatar":"e25e70a0-3924-4f16-9934-5399b257cf0c",
            "email":"[email protected]",
            "type":{
               "model":"Agent",
               "link":"agents"
            },
            "phone_work":"(805) 413-7564",
            "npn":null
         },
         "tia":true,
         "product":{
            "id":105,
            "name":"OPTerm 20",
            "line":"life",
            "plan_type":"TRM",
            "ltc_rider":null,
            "carrier":{
               "id":28,
               "name":"Banner",
               "avatar":"https://d1usw6tyldpxhi.cloudfront.net/591900ff-cece-5ce0-0d1c-4f76313d2f3d.png",
               "scaled_avatar":"https://d1usw6tyldpxhi.cloudfront.net/MZJJPPDV.jpg"
            }
         },
         "address":{
            "id":7909,
            "name":"310 N. Westlake Blvd., Suite 240, Westlake Village, CA 91362"
         },
         "electronic_application":{
            "id":116662
         },
         "commissions":[

         ],
         "documents":[
            {
               "id":435360,
               "name":"electronic_application.pdf",
               "category":"Electronic Application",
               "ext":"pdf",
               "mime_type":"application/pdf",
               "ownable":{
                  "id":1179,
                  "name":"Reid Tattersall",
                  "type":"Agent"
               },
               "can_delete":false,
               "created_at":"2020-12-09T01:25:10.000-08:00"
            }
         ]
      },
      "individuals":[
         {
            "id":88669,
            "first_name":"John",
            "middle_name":null,
            "last_name":"Doe",
            "gender":"Male",
            "birthdate":"1987-01-02",
            "name":"John Doe",
            "phone_mobile":"(805) 660-0916",
            "email":"[email protected]",
            "ssn":"121-65-5465",
            "income":150000.0,
            "assets":1500000.0,
            "liabilities":500000.0,
            "bankruptcy":false,
            "bankruptcy_type":null,
            "bankruptcy_discharge_date":null,
            "us_citizen":true,
            "birth_location":"CA",
            "visa_type":null,
            "us_entry_date":null,
            "country_of_citizenship":"United States",
            "tobacco":null,
            "humanized":false,
            "drivers_license":{
               "id":45924,
               "state":"CA",
               "number":"D3456789",
               "no_drivers_license_reason":null
            },
            "occupation":{
               "id":40727,
               "occupation":"Developer",
               "start_date":"2008-12-09",
               "employee_id":88669,
               "employee_type":"Individual",
               "employer":{
                  "id":28139,
                  "name":"BackNine",
                  "irrevocable":null,
                  "business_address":{
                     "id":515333,
                     "street_address":"310 N Westlake Blvd",
                     "zip":"91362",
                     "city":"Thousand Oaks",
                     "state":"CA",
                     "country":"United States",
                     "address_type":"business",
                     "raw_address":"310 N Westlake Blvd, Thousand Oaks, CA 91362",
                     "start_date":null
                  }
               }
            },
            "addresses":[
               {
                  "id":515332,
                  "street_address":"123 Paradise Cove Rd",
                  "zip":"90265",
                  "city":"Malibu",
                  "state":"CA",
                  "country":null,
                  "address_type":"home",
                  "raw_address":"123 Paradise Cove Rd, Malibu, CA 90265",
                  "start_date":"2017-12-09"
               },
               {
                  "id":515337,
                  "street_address":"3101 Townsgate Rd",
                  "zip":"91361",
                  "city":"Thousand Oaks",
                  "state":"CA",
                  "country":null,
                  "address_type":"exam",
                  "raw_address":"3101 Townsgate Rd, Thousand Oaks, CA 91361",
                  "start_date":null
               }
            ],
            "application_roles":[
               {
                  "id":114131,
                  "role":"Insured",
                  "beneficiary_amount":null,
                  "beneficiary_qualifier":null,
                  "relationship":null,
                  "electronic_application_id":116662
               },
               {
                  "id":114132,
                  "role":"Owner",
                  "beneficiary_amount":null,
                  "beneficiary_qualifier":null,
                  "relationship":null,
                  "electronic_application_id":116662
               }
            ],
            "efts":[
               {
                  "id":42603,
                  "account_type":"Checking",
                  "routing_number":"122105278",
                  "account_number":"0000000016"
               }
            ],
            "medical_sources":[
               {
                  "id":308,
                  "name":"Starfleet Medical",
                  "health_system":null,
                  "physician":null,
                  "status":"Connected",
                  "created_at":"2020-12-09T01:14:30.000-08:00"
               }
            ],
            "signers":[
               {
                  "id":106795,
                  "role":"insured1/owner1",
                  "electronic_application_id":116662
               }
            ]
         },
         {
            "id":88670,
            "first_name":"Jane",
            "middle_name":null,
            "last_name":"Doe",
            "gender":"Female",
            "birthdate":"1990-01-02",
            "name":"Jane Doe",
            "phone_mobile":"(805) 660-0917",
            "email":"[email protected]",
            "ssn":"645-54-6546",
            "income":0.0,
            "assets":0.0,
            "liabilities":0.0,
            "bankruptcy":null,
            "bankruptcy_type":null,
            "bankruptcy_discharge_date":null,
            "us_citizen":null,
            "birth_location":null,
            "visa_type":null,
            "us_entry_date":null,
            "country_of_citizenship":null,
            "tobacco":null,
            "humanized":false,
            "drivers_license":null,
            "occupation":null,
            "addresses":[
               {
                  "id":515334,
                  "street_address":"123 Paradise Cove Rd",
                  "zip":"90265",
                  "city":"Malibu",
                  "state":"CA",
                  "country":"United States",
                  "address_type":"home",
                  "raw_address":"123 Paradise Cove Rd, Malibu, CA 90265",
                  "start_date":null
               }
            ],
            "application_roles":[
               {
                  "id":114133,
                  "role":"Primary Beneficiary",
                  "beneficiary_amount":1.0,
                  "beneficiary_qualifier":"Percent",
                  "relationship":"Wife",
                  "electronic_application_id":116662
               }
            ],
            "efts":[

            ],
            "medical_sources":[

            ],
            "signers":[

            ]
         }
      ],
      "entities":[
         {
            "id":28140,
            "name":"BackNine",
            "tin":"65-4564445",
            "email":"[email protected]",
            "phone_work":"(805) 660-0918",
            "formation_date":null,
            "irrevocable":null,
            "type":"Entity",
            "address":{
               "id":515335,
               "street_address":"310 N Westlake Blvd",
               "zip":"91362",
               "city":"Thousand Oaks",
               "state":"CA",
               "country":"United States",
               "address_type":"business",
               "raw_address":"310 N Westlake Blvd, Thousand Oaks, CA 91362",
               "start_date":null
            },
            "application_roles":[
               {
                  "id":114134,
                  "role":"Contingent Beneficiary",
                  "beneficiary_amount":0.5,
                  "beneficiary_qualifier":"Percent",
                  "relationship":"Employer",
                  "electronic_application_id":116662
               }
            ],
            "responsible_parties":[

            ]
         },
         {
            "id":28141,
            "name":"Family Trust",
            "tin":"54-5681548",
            "email":"[email protected]",
            "phone_work":"(805) 660-1920",
            "formation_date":"1999-01-02",
            "irrevocable":false,
            "type":"Entity",
            "address":{
               "id":515336,
               "street_address":"495 N Ventu Park Rd",
               "zip":"91320",
               "city":"Thousand Oaks",
               "state":"CA",
               "country":"United States",
               "address_type":"business",
               "raw_address":"495 N Ventu Park Rd, Thousand Oaks, CA 91320",
               "start_date":null
            },
            "application_roles":[
               {
                  "id":114135,
                  "role":"Contingent Beneficiary",
                  "beneficiary_amount":0.5,
                  "beneficiary_qualifier":"Percent",
                  "relationship":"Trust",
                  "electronic_application_id":116662
               }
            ],
            "responsible_parties":[

            ]
         }
      ],
      "electronic_application_cases":[
         {
            "id":6220,
            "status":"Active",
            "policy_number":"MA456789",
            "face_amount":500000.0,
            "policy_date":"2010-01-02",
            "business_insurance":false,
            "replacement_reason":null,
            "carrier":{
               "id":48,
               "name":"MassMutual",
               "avatar":"https://d1usw6tyldpxhi.cloudfront.net/93bc8c34-adc7-4fa6-799e-4f7dd8844e2b.png",
               "scaled_avatar":"https://d1usw6tyldpxhi.cloudfront.net/"
            }
         }
      ],
      "smoking_statuses":[
         {
            "id":33747,
            "category":"Cigars",
            "frequency":2,
            "last_use_date":null,
            "status":"Currently"
         }
      ]
   }
]

Example Case response with a nested Quote & Apply application (electronic_application) is shown in the example.

[
   {
      "id":26723,
      "line":"life",
      "policy_number":"Pending",
      "elimination_period":null,
      "inflation":null,
      "benefit_period":null,
      "benefit_amount":null,
      "benefit_mode":null,
      "premium":{
         "premium":44.94,
         "total":539.28
      },
      "tax_type":"Non-Qualified",
      "surrender_charge_expiration":0,
      "tracking_number":null,
      "advisors":[
         {
            "marketing_manager_id":1,
            "id":1179,
            "type":"Agent",
            "ownable":{
               "id":1179,
               "name":"Reid Tattersall",
               "avatar":"production/agents/YBOQLRNVVGSIUTAT",
               "email":"[email protected]",
               "type":{
                  "model":"Agent",
                  "link":"agents"
               },
               "phone_work":"(805) 413-7562",
               "npn":10790698
            },
            "appointment":{
               "id":8247,
               "name":"W2Q0000 (assigning to BackNine)",
               "assignment":{
                  "id":2212,
                  "name":"W2Q0000"
               }
            },
            "appointment_case_id":28073,
            "reports":{
               "id":8247,
               "name":"W2Q0000 (assigning to BackNine)",
               "assignment":{
                  "id":2212,
                  "name":"W2Q0000"
               }
            },
            "marketing_manager":{
               "id":1,
               "name":"Reid Tattersall"
            },
            "percents":{
               "split_percent":1.0,
               "renewal_split":1.0
            }
         }
      ],
      "contract_parties":[
         {
            "id":60668,
            "type":"individual",
            "name":"John Doe",
            "first_name":"John",
            "last_name":"Doe",
            "avatar":"production/contract_parties/CXATZRSU",
            "birthdate":"1987-01-02",
            "party_id":"121-65-5465",
            "email":"[email protected]",
            "roles":[
               {
                  "id":76132,
                  "role":"Insured",
                  "rating_applied":"Preferred NT",
                  "approval_rating":null,
                  "underwriting_rational":null,
                  "occupation_class":null,
                  "beneficiary_qualifier":null,
                  "beneficiary_amount":null
               },
               {
                  "id":76133,
                  "role":"Owner",
                  "rating_applied":"Preferred NT",
                  "approval_rating":null,
                  "underwriting_rational":null,
                  "occupation_class":null,
                  "beneficiary_qualifier":null,
                  "beneficiary_amount":null
               }
            ]
         },
         {
            "id":60669,
            "type":"individual",
            "name":"Jane Doe",
            "first_name":"Jane",
            "last_name":"Doe",
            "avatar":"production/contract_parties/OMSFMFXI",
            "birthdate":"1990-01-02",
            "party_id":"645-54-6546",
            "email":"[email protected]",
            "roles":[
               {
                  "id":76134,
                  "role":"Primary Beneficiary",
                  "rating_applied":"Preferred NT",
                  "approval_rating":null,
                  "underwriting_rational":null,
                  "occupation_class":null,
                  "beneficiary_qualifier":"Percent",
                  "beneficiary_amount":1.0
               }
            ]
         },
         {
            "id":60670,
            "type":"entity",
            "name":"BackNine",
            "first_name":null,
            "last_name":null,
            "avatar":"production/contract_parties/ILDVJSRA",
            "birthdate":null,
            "party_id":"65-4564445",
            "email":"[email protected]",
            "roles":[
               {
                  "id":76135,
                  "role":"Contingent Beneficiary",
                  "rating_applied":"Preferred NT",
                  "approval_rating":null,
                  "underwriting_rational":null,
                  "occupation_class":null,
                  "beneficiary_qualifier":"Percent",
                  "beneficiary_amount":0.5
               }
            ]
         },
         {
            "id":60671,
            "type":"entity",
            "name":"Family Trust",
            "first_name":null,
            "last_name":null,
            "avatar":"production/contract_parties/MSCASACK",
            "birthdate":"1999-01-02",
            "party_id":"54-5681548",
            "email":"[email protected]",
            "roles":[
               {
                  "id":76136,
                  "role":"Contingent Beneficiary",
                  "rating_applied":"Preferred NT",
                  "approval_rating":null,
                  "underwriting_rational":null,
                  "occupation_class":null,
                  "beneficiary_qualifier":"Percent",
                  "beneficiary_amount":0.5
               }
            ]
         }
      ],
      "status":"Closed - Not Submitted to Carrier",
      "face_amount":1000000.0,
      "mode":12,
      "outstanding":3,
      "commission":null,
      "case_manager":{
         "id":6567,
         "name":"Carly Ryan",
         "avatar":"production/BQWTXCUCRZJQKWCY",
         "email":"[email protected]",
         "type":{
            "model":"Agent",
            "link":"agents"
         },
         "phone_work":"805-557-1533",
         "npn":null
      },
      "notes":[
         {
            "id":1910706,
            "note":"Reid Tattersall has changed the status to Closed - Not Submitted to Carrier on Pending",
            "email":false,
            "date":"2020-12-09T01:25:58.000-08:00",
            "notable_id":26723,
            "notable_type":"Case",
            "ownable":{
               "id":1179,
               "name":"Reid Tattersall",
               "avatar":"production/agents/YBOQLRNVVGSIUTAT",
               "type":{
                  "link":"agents",
                  "model":"Agent"
               }
            },
            "created_at":"2020-12-09T01:25:58.000-08:00",
            "advisor_access":true,
            "carrier_access":false,
            "carrier_email":false,
            "phone_call":false,
            "documents":[

            ]
         },
         {
            "id":1910705,
            "note":"This is a test case for webhooks and should not be deleted.",
            "email":false,
            "date":"2020-12-09T01:25:49.000-08:00",
            "notable_id":26723,
            "notable_type":"Case",
            "ownable":{
               "id":1179,
               "name":"Reid Tattersall",
               "avatar":"production/agents/YBOQLRNVVGSIUTAT",
               "type":{
                  "link":"agents",
                  "model":"Agent"
               }
            },
            "created_at":"2020-12-09T01:25:49.000-08:00",
            "advisor_access":true,
            "carrier_access":false,
            "carrier_email":false,
            "phone_call":false,
            "documents":[

            ]
         },
         {
            "id":1910703,
            "note":"Hello Reid, this Banner policy is set for eDelivery so please let me know if you prefer a paper policy. eDelivery emails are sent from DocuSign and your client's access is the first 5 letters of their last name and the last 4 digits of their SSN. You can \u003Ca href='http://www.lgamerica.com/edelivery/'\u003Eclick here\u003C/a\u003E to learn about eDelivery from Banner. ",
            "email":true,
            "date":"2020-12-09T01:25:10.000-08:00",
            "notable_id":26723,
            "notable_type":"Case",
            "ownable":{
               "id":6567,
               "name":"Carly Ryan",
               "avatar":"production/BQWTXCUCRZJQKWCY",
               "type":{
                  "link":"agents",
                  "model":"Agent"
               }
            },
            "created_at":"2020-12-09T01:25:10.000-08:00",
            "advisor_access":true,
            "carrier_access":false,
            "carrier_email":false,
            "phone_call":false,
            "documents":[

            ]
         }
      ],
      "policy_date":null,
      "conversion_expiry":null,
      "next_call_at":"2020-12-17T09:00:00.000-08:00",
      "days_pending":0,
      "created_at":"2020-12-09T01:25:08.000-08:00",
      "submitted_date":null,
      "approved_date":null,
      "issue_date":null,
      "sent_to_agent":null,
      "inforce_date":null,
      "app_sign_date":"2020-12-09",
      "delivery_requirements_due_date":null,
      "closed_date":"2020-12-09",
      "ltc_rider":false,
      "state":"CA",
      "exchange_amount":0.0,
      "lump_sum":0.0,
      "tracking_number_type":"USPS",
      "tracking_number_link":"https://tools.usps.com/go/TrackConfirmAction?tLabels=",
      "informal_options":[
         "All Offers In",
         "Informal Formalized",
         "Informal Closed",
         "Awaiting Carrier Offers",
         "Gathering Medical Information",
         "Informal Entered"
      ],
      "commissionable":true,
      "target_premium":null,
      "timeline":[
         {
            "date":"2020-12-09",
            "description":"Application Signed"
         },
         {
            "date":"2020-12-09T01:25:08.000-08:00",
            "description":"Received by BackNine"
         },
         {
            "date":"2020-12-09",
            "description":"Closed"
         }
      ],
      "carrier_e_delivery":true,
      "informal":false,
      "cash_received":44.94,
      "profit":0.0,
      "applied_mode":12,
      "applied_premium":44.94,
      "case_concierge":{
         "id":1448,
         "name":"Cindy Smith",
         "avatar":"e25e70a0-3924-4f16-9934-5399b257cf0c",
         "email":"[email protected]",
         "type":{
            "model":"Agent",
            "link":"agents"
         },
         "phone_work":"(805) 413-7564",
         "npn":null
      },
      "tia":true,
      "product":{
         "id":105,
         "name":"OPTerm 20",
         "line":"life",
         "plan_type":"TRM",
         "ltc_rider":null,
         "carrier":{
            "id":28,
            "name":"Banner",
            "avatar":"https://d1usw6tyldpxhi.cloudfront.net/591900ff-cece-5ce0-0d1c-4f76313d2f3d.png",
            "scaled_avatar":"https://d1usw6tyldpxhi.cloudfront.net/MZJJPPDV.jpg"
         }
      },
      "address":{
         "id":7909,
         "name":"310 N. Westlake Blvd., Suite 240, Westlake Village, CA 91362"
      },
      "electronic_application":{
         "id":116662
      },
      "commissions":[

      ],
      "documents":[
         {
            "id":435360,
            "name":"electronic_application.pdf",
            "category":"Electronic Application",
            "ext":"pdf",
            "mime_type":"application/pdf",
            "ownable":{
               "id":1179,
               "name":"Reid Tattersall",
               "type":"Agent"
            },
            "can_delete":false,
            "created_at":"2020-12-09T01:25:10.000-08:00"
         }
      ]
   }
]

Quote & Apply Options Lists

Below is a table of options lists for an electronic_application so you know what values to expect.

Parameter	Options
`smoker` string	Never, Previously, Currently
`status` string	Quote, Lead, Sent, Delivered, Completed, Declined, Voided
`named_step` string	Quote - 10% Complete, Name and Contact Information - 20% Complete, Address - 25% Complete, Employer Information - 30% Complete, Ownership - 35% Complete, Primary Beneficiary - 45% Complete, Contingent Beneficiary - 50% Complete, Financial and SSN - 60% Complete, Existing Insurance - 65% Complete, Physician Information - 70% Complete, Underwriting Questions - 80% Complete, Payment Information - 90% Complete, Schedule Exam - 95% Complete, Signing Preference - Final Step, DocuSign - Final Step, Click ‘Continue Carrier eApp’ to finish on #{carrier.name}‘s Website
`validated_rating` string	Super Preferred, Preferred NT, Preferred Tobacco, Standard Plus, Standard NT, Standard Tobacco, Level, Level Tobacco, Graded

Cases Options Lists

Parameter	Options
`status` string	Entered, Submitted, Approved, Issued, Awaiting Reissued Policy, Awaiting Reconsideration, Awaiting Delivery Requirements, Received Delivery Requirements, Awaiting Reconsideration, Active - Pending Requirements, Active, Withdrawn, Postponed, Not Taken, Declined, Lapsed, Grace Period

Set up

Please visit the integrations page in BOSS to subscribe to our hooks. The subscription takes an endpoint URL that will be POSTed to and will contain the following headers.

Key	Description
`Content-type` string	application/json
`X-BACKNINE-AUTHENTICATION` string	Your API Key

BackNine’s API Documentation

Quote & Apply Setup

Embed Quote & Apply

Embed Quote & Apply via a Modal

Set Agent by NPN

Using a National Producer Number

WordPress Setup

1. Log in to your WordPress site as admin. You should arrive at the Dashboard.

2. Go to your list of pages.

3. Find the page you wish to use Quote & Apply on. Click “Edit”.

4. You should arrive at on an editor that allows you to edit the content of the page.

5. Find and click on the “Text” mode at the top right of the editor. This will allow you to edit the content using HTML code

6. Paste your unique embed code into the editor where you wish Quote & Apply to appear. Then, go to the “Publish” section and hit “Update”. The screen should refresh with a success message

7. Click on “View page” to see your results

BackNine Webpages

Custom Domain Webpages

Quote & Apply Pre-fill

Environment Params

Agent/Upline Params

Agent Sign Up Params

Insured Params

Party Params (Beneficiaries/Owner).

Individual

Trust/Business

Quote & Apply Pre-fill Examples

Basic

Basic with NPN

Limit Product Types

Current Smoker

Previous Smoker

Metadata

Include Parties (Beneficiaries/Owner)

Script Source

Sign up + Connections

Quote Params

Premium Solves

Death Benefit Solves

No Solves

Smoking Status Object Structure

User Experience Params

Quote & Apply Analytics

Google Analytics

Google Tag Manager

Custom Scripts/Pixels

Getting Quotes

Endpoint

Authentication

Sample Requests

1. Basic quotes example

2. Example to receive link_to_share and link_to_sms

3. Example to with usages and multiple face_amounts and product_categories

4. Example using Zapier

Usages

Response Format - Success

Response Format - Error

Sending the SMS

Pre-filling Quote & Apply

Text Messaging

Summary

Endpoint

Authentication

Sample Request

Usages

Response Format

Error Handling

Accidental Death API

Endpoint

Authentication

Parameters

Top-level parameters

Electronic Application parameters

Application Roles parameters

Ownable parameters

Address parameters

Electronic Application Case parameters

EFT parameters

Webhooks

Authentication Key

Cases and Quote & Apply Applications

Example Use Cases

2. Example to receive `link_to_share` and `link_to_sms`

3. Example to with `usages` and multiple `face_amounts` and `product_categories`