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Mortgage Protection Life — Dataset Requirements

Loan-linked SI life. Emphasize disease knockouts, SI build ceilings, tobacco, and mortgage/financial need — not Preferred labs.

V1 Fit 9/10

Field priority: R Required for this vertical S Strongly recommended O Optional / later G Shared general dataset (reuse across verticals)

What this vertical needs from data

Confirm loan amount ↔ face amount reasonability
SI Level vs Graded vs Decline using disease + BMI
Spouse often co-borrower — capture spouse basics when joint coverage discussed
Income supports affordability / face sanity, not full financial UW

BMI note: Use SI Level (~BMI 38–42) and Graded (~44) ceilings. Preferred chart not primary.

Disease modules priority

Module	Priority	Why for this vertical
Heart / Circulatory	R	Recent MI/CHF/stroke blocks Level
Diabetes	R	Insulin + complications / combo with heart
Cancer	R	Treatment recency → Graded/GI
Kidney	R	Dialysis / advanced CKD
Lung	S	Oxygen / severe COPD
Disability under 65	R	Active SSDI often blocks Level
Mental / Nervous	S	Recent hospital/attempt
Liver / Digestive / Immune / Joint / Other	S	As disclosed

Full actuarial detail: ../diseases/ · BMI: bmi-build-chart-review.html

Field checklist (general + vertical-specific)

Group	Field	Priority	Why
Demographics	`age` G	R	Primary pricing & UW age bands
Demographics	`sex` G	R	Rate tables / some build charts
Demographics	`state` G	R	Availability, compliance, product filing
Demographics	`date_of_birth` G	S	Exact age calculation
Demographics	`citizenship_residency` G	S	Eligibility / foreign national rules
BMI / Build	`height_ft_in` G	R	Build chart input
BMI / Build	`weight_lb` G	R	Build chart input
BMI / Build	`bmi_computed` G	R	Class assignment
BMI / Build	`build_class_label` G	S	preferred/standard/si_level/graded
BMI / Build	`diabetic_build_path` G	S	Use alternate ceiling when diabetes present
Tobacco	`tobacco_products[]` G	R	Cigarettes/vape/chew/cigar/cannabis
Tobacco	`months_since_last_use` G	R	NT lookbacks 12–60 mo
Tobacco	`nicotine_class` G	S	NT / tobacco rate class
Diseases	`impairments[].module` G	R	cancer\|diabetes\|heart\|kidney\|lung\|…
Diseases	`impairments[].attributes` G	R	Module-specific dates/severity
Diseases	`impairments[].path_answers[]` G	S	Interview trail for audit
Income / financial	`annual_income` G	S	Face amount reasonability / anti-selection
Income / financial	`net_worth` G	O	Large face / fully UW
Income / financial	`existing_coverage_amount` G	S	Replacement / total line
Income / financial	`bankruptcy_years` G	O	Financial UW
Spouse / household	`marital_status` G	S	Household / rider eligibility
Spouse / household	`spouse_age_sex` G	S	Spouse rider / joint needs
Spouse / household	`spouse_tobacco` G	O	Spouse rider UW
Spouse / household	`spouse_impairments_summary` G	O	Joint or second-insured cases
Spouse / household	`dependent_children_count` G	S	Child rider / need analysis
Spouse / household	`beneficiary_relationship` G	S	App completeness
Mortgage	`loan_balance`	R	Face sizing
Mortgage	`loan_term_years`	R	Term match
Mortgage	`property_state`	S	If differs from resident state
Mortgage	`co_borrower_flag`	S	Triggers spouse dataset
Mortgage	`coverage_on_whom`	R	primary\|spouse\|both
Family history	`fh_cvd_parent_sibling` G	O	Usually not SI-critical
Labs	`a1c_bp_etc`	O	Not required for pure SI path

Improve solution quality — use of shared data

From general dataset

Reuse without re-asking when intent changes mid-case where safe.

BMI raw height/weight always stored once
Disease attributes feed knockouts and Graded routing
Income / spouse only when this vertical marks R/S
Family history mainly Fully UW / Preferred

Vertical-only extras

Do not pollute other verticals with these fields as required.

See rows without G in the checklist above
Keep them behind intent = mortgage-protection