Create and manage a policy in the Socotra Policy API with an external rating engine integration

Steps

1. Authenticate to the Socotra API by calling the login endpoint with your tenant credentials; Socotra returns a session token to include in subsequent request headers
2. Create a policyholder account via POST to the /policyholders endpoint with the insured's name, contact, and identifying information; retain the returned policyholder locator
3. Initiate a quote by POSTing to the /policies endpoint with the product name, policyholder locator, and policy start date; Socotra creates a draft policy and triggers rating
4. If using an external rater: configure your external rater URL and optional auth headers in the Socotra Admin UI; Socotra will POST the full policy JSON to your rater endpoint and expect a response with pricedPerilCharacteristics per the documented schema
5. If the external rater returns an error message in the exceptionMessage field, Socotra returns HTTP 409 to the caller — catch this and surface a meaningful error to your frontend
6. Issue the policy by calling the issue endpoint; retrieve the policy locator and document download URL from the response for delivery to the insured