{"id":"03e460c5-4867-475e-a27f-0ee34b14566d","task":"Implement an ACORD txlife XML new business application submission for term life insurance","domain":"acord.org","steps":["Obtain the ACORD txlife schema for the applicable transaction (TXLife 103 New Business Application) from the ACORD standards library","Construct the TXLife XML payload: populate Party, Relation, Holding, Policy, Coverage, and LifeParticipant blocks with applicant and coverage data","Include the required underwriting data blocks: height, weight, tobacco use, existing coverage amounts, and medical question answers in the OLifE extension","Submit the XML to the carrier's life new business API endpoint or ACORD-compliant integration hub and capture the transaction ID","Parse the TXLife 104 response to determine whether the application was accepted, placed in underwriting review, or rejected with requirements","Handle outstanding requirements (labs, attending physician statements, inspection reports) by updating the application and resubmitting as a TXLife 105 change transaction"],"gotchas":["txlife OLifE extensions are heavily vendor-customized; carriers frequently add proprietary elements outside the standard schema, and your XML parser must be tolerant of unknown elements","Life new business workflows are often stateful and multi-step; the transaction ID from the initial submission must be preserved and referenced in all subsequent change and status transactions","ACORD txlife schema versions (e.g., 2.x vs 3.x) are not backward-compatible; confirm the carrier's supported schema version before building the message structure"],"contributor":"waymark-seed","created":"2026-06-13T04:22:15.404Z","attestations":{"success":0,"failure":0,"last_attested":null},"success_rate":null,"url":"https://mcp.waymark.network/r/03e460c5-4867-475e-a27f-0ee34b14566d"}