Enrollment

Manages the full quote-to-policy lifecycle — quoting, underwriting, binding, and all in-force policy transactions.

Overview

The Enrollment service is the policy factory for Olly. It handles the end-to-end journey from a rating quote through underwriting, binding, and ongoing policy management (endorsements, renewals, cancellations, reinstatements). It integrates with Policy Admin to fetch product configuration and rule sets, and uses the shared rule engine library to enforce underwriting eligibility rules at each pricing and underwriting step.

A Quote captures the member's plan selection and application data. Once underwritten and issued, it becomes a Policy with one or more PolicyTerm records (coverage periods) and PolicyElement items (individual coverages or riders). All in-force changes — cancellations, endorsements, renewals — create PolicyTransaction records that describe the delta applied to the policy. Field values for configurable product attributes are stored in separate *FieldValue tables to support flexible product designs without schema changes.

When a policy activates, Enrollment publishes enrollment.policy.activated so that Eligibility and Billing can react.

Responsibilities

• Accept quote creation requests and price them against Policy Admin product configuration
• Drive quotes through the underwriting workflow (price → underwrite → issue/refuse/discard)
• Bind issued quotes into active policies with coverage terms and elements
• Manage in-force transactions: endorsements, cancellations, reinstatements, renewals
• Enforce underwriting rules via the shared rule engine
• Store flexible field values for configurable product attributes
• Publish lifecycle events for Eligibility, Billing, and Notifications
• Expose internal endpoints for Broker API and Group Scheme Service to list policies

Database

Schema: enrollment

Table	Purpose
quotes	Quote root aggregate with pricing, status, and product version reference
quote_events	Immutable event log for quote state transitions
policies	Active policy records with account, broker, and term references
policy_terms	Coverage period records (effective/expiry dates) per policy
policy_transactions	All in-force changes (endorse, cancel, reinstate, renew) as transaction records
policy_elements	Individual coverage items and riders within a policy term
underwriting_flags	Flags raised during underwriting that require manual review
quote_field_values	Configurable field values scoped to a quote
policy_field_values	Configurable field values scoped to a policy
transaction_field_values	Configurable field values scoped to a transaction
outbox	Transactional outbox for reliable Kafka event publishing

API Routes

Method	Path	Auth	Description
POST	/quotes	JWT	Create a new quote
GET	/quotes/{locator}	JWT	Get quote by locator
PATCH	/quotes/{locator}	JWT	Update quote document
PATCH	/quotes/{locator}/price	JWT	Price a quote
PATCH	/quotes/{locator}/underwrite	JWT	Run underwriting on a quote
PATCH	/quotes/{locator}/issue	JWT	Issue (bind) a quote into a policy
PATCH	/quotes/{locator}/refuse	JWT	Refuse a quote
PATCH	/quotes/{locator}/discard	JWT	Discard a draft quote
POST	/quotes/{locator}/number/generate	JWT	Generate a display quote number
GET	/policies/{locator}	JWT	Get policy by locator
GET	/policies	JWT	List policies (filterable by account)
POST	/policies/{locator}/cancel	JWT	Cancel an active policy
POST	/policies/{locator}/reinstate	JWT	Reinstate a lapsed or cancelled policy
POST	/policies/{locator}/renew	JWT	Renew a policy for a new term
POST	/policies/{locator}/endorse	JWT	Apply an endorsement transaction
POST	/policies/{locator}/number/generate	JWT	Generate a display policy number
GET	/policies/{locator}/terms	JWT	List terms for a policy
GET	/policies/{locator}/elements	JWT	List active elements for a policy
GET	/policies/{locator}/transactions	JWT	List transactions for a policy
GET	/transactions/{locator}	JWT	Get a transaction by locator
PATCH	/transactions/{locator}/price	JWT	Price a pending transaction
PATCH	/transactions/{locator}/underwrite	JWT	Underwrite a pending transaction
PATCH	/transactions/{locator}/apply	JWT	Apply an approved transaction
PATCH	/transactions/{locator}/decline	JWT	Decline a transaction
PATCH	/transactions/{locator}/discard	JWT	Discard a draft transaction
PATCH	/transactions/{locator}/reverse	JWT	Reverse an applied transaction

Events

Publishes

Topic	When
enrollment.quote.created	A new quote is created
enrollment.policy.activated	A quote is issued and a policy becomes active
enrollment.policy.lapsed	A policy lapses due to non-payment
enrollment.policy.cancelled	A policy is cancelled

Consumes

The Enrollment service does not consume Kafka events. Changes are driven by external API calls.

Dependencies

Service	How used
Policy Admin	Fetches product configuration, benefit rules, and rule sets for pricing and underwriting

Key Design Decisions

Rule engine integration: Enrollment embeds the shared ruleengine library for in-process rule evaluation during underwriting. Rules are fetched from Policy Admin and persisted locally via ruleengine.NewWriter(gormDB) for fast repeated evaluation without cross-service calls on every request.

Field values for flexible products: Rather than schema migrations for every new product attribute, configurable fields are stored in *_field_values tables keyed to the quote, policy, or transaction locator. Field definitions are managed in Policy Admin and fetched at runtime.