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Component templates

Product Studio submodule

Reusable building blocks that products assemble: cover, benefit, rider, fee, waiting period, etc.

A generic template captures shared behaviour. A line-of-business template (e.g. funeral) specialises the same shape with different defaults and validation — still one runtime, different published data.

Status

🟡 Example definitions below — schema and publish workflow planned (phase A — P1)

Core fields (v0)

Every component template carries at least:

Field Purpose
componentCode Stable identifier in Product Studio and on hydrated snapshots
componentDescription Human-readable label for channels and ops
componentType Archetype — maps to runtime ComponentType (e.g. RISK_FUNERAL)
escalationMethod How benefit or premium escalates over time (none, CPI, fixed %, age-band)
recurring Whether the component bills on a repeating cycle (true / false)

More attributes (waiting period, sum assured rules, decision pack refs) will be added as templates mature.

Example — generic cover component

A minimal template any product can reuse or extend:

{
  "componentCode": "COVER-GENERIC-01",
  "componentDescription": "Generic risk cover component",
  "componentType": "RISK_LIFE",
  "escalationMethod": "NONE",
  "recurring": true
}

At quote time, Quantum-Tree hydrates this into a CoverComponent on the contract snapshot. Kinetic reads recurring and escalationMethod from behaviour bindings to schedule milestones.

Example — funeral component

Same machinery, funeral-specific defaults — no separate funeral engine:

{
  "componentCode": "FUNERAL-FAMILY-01",
  "componentDescription": "Family funeral benefit — main member plus dependents",
  "componentType": "RISK_FUNERAL",
  "escalationMethod": "CPI",
  "recurring": true
}
Field Funeral example Notes
componentCode FUNERAL-FAMILY-01 Unique within the product catalogue
componentDescription Family funeral benefit… Shown on schedules and channel UIs
componentType RISK_FUNERAL Aligns with ComponentType in Quantum-Tree
escalationMethod CPI Annual benefit escalation via Kinetic + decision pack
recurring true Monthly premium cycle

Escalation methods (draft)

Value Meaning
NONE Flat benefit and premium for the life of the contract
CPI Escalate by consumer price index (decision pack supplies rate)
FIXED_PERCENT Fixed annual percentage increase
AGE_BAND Step change at defined ages

Component types (runtime)

Templates reference the same enum the contract engine uses today:

componentType Typical use
RISK_LIFE Term life, whole life
RISK_FUNERAL Funeral and burial benefits
RISK_CREDIT_LIFE Credit-linked cover
RISK_DISABILITY Income protection
RISK_CRITICAL_ILLNESS Dread disease
ASSET_* / TRAVEL Non-life lines