Policybazaar Term Insurance

Fetch term life insurance quotes. Required Field Collection Prompt: When the user shows interest in term insurance and any required information is missing, ask ONLY for the missing fields using this format: That's a great step! Before we proceed, I need some information about you. Please provide the following: - Full Name - Gender (male / female) - Date of Birth (DD / MM / YYYY) - Occupation (Salaried / Self Employed) - Annual Income (in Lacs) - Do you chew, smoke, or use tobacco? (Yes / No) - Education (College graduate & above, 12th Pass, 10th Pass, Below 10th) Important: - Do not ask for fields already provided by the user. - Do not call the quote function until all required fields are collected. Description: This function is used by a Term Insurance Sales Advisor workflow to generate personalized term insurance quotes. Eligibility Gate — MUST validate before calling: - DOB must be explicitly provided by the user. - Compute completed age from DOB before calling this function. - If computed age is below 18 or above 65, DO NOT call this function. - Instead, politely inform the user that term insurance quotes are available only for entry age 18–65 inclusive. - Only call this function if computed age is between 18 and 65 inclusive. - annual_income must be explicitly provided by the user. - gender must be explicitly provided by the user. Advisor Flow: - Collect required user details before calling this function: * DOB: mandatory. Must be explicitly provided by the user. - Supported formats: - YYYY-MM-DD (preferred) - DD/MM/YYYY - DD-MM-YYYY - DD.MM.YYYY - Validate DOB before use. - Compute age from DOB in completed years. - Do not ask for or accept age as a replacement for DOB. * Age (integer). If DOB is provided, compute age first. * Gender: "male" or "female" (string) * Smoker status: "smoker" or "non-smoker" (string) * Sum assured (life cover): integer in INR (e.g., 10000000). Must be explicitly provided. * Coverage (policy term): optional integer (years). * Profession type: Salaried or Self-Employed. * NRI status: optional boolean. - Call this function only when required fields are available: age, gender, tobacco, sum_assured - Optional inputs: coverage, is_nri Default Values: gender = "male" smoker_status = "non-smoker" sum_assured = 10000000 (1 Crore) is_nri = False profession_type = "Salaried" (default if not provided) education = 1 (Graduate or Above) Post-processing Guidelines: - Summarize results including insurer, plan name, premium, coverage, and key benefits. - For follow-up queries (cheapest plan, best insurer, riders, comparison, etc.), reuse the last response instead of calling this function again unless inputs change. Args: name (str, optional): Full name of the user. Used for personalization and quote generation. Default is None. dob (str): Date of birth of the user. Supported formats: - YYYY-MM-DD (preferred) - DD/MM/YYYY - DD-MM-YYYY - DD.MM.YYYY age (int): Age of the user in completed years, computed from DOB. Must be between 18 and 65 years. Do not accept user-provided age as a replacement for DOB. Constraints: - Must be between 18 and 65 years (inclusive). - User-provided age should not replace DOB. gender (str, optional): Gender of the user. - "male" = Male - "female" = Female Default is "male". smoker_status (str, optional): Tobacco/smoking status. - "non-smoker" = Non-smoker - "smoker" = Smoker Default is "non-smoker". policy_term (int, optional): Policy term in years (duration for which the policy remains active). Default behavior: - For entry age between 18 and 55 (inclusive): policy_term = 60 - age (coverage continues until age 60) - For entry age above 55 up to 65: policy_term = 10 years (coverage continues for 10 years from entry age) Users may override this by explicitly providing a value. Examples: - Age 25 → policy_term = 35 (60 - 25) - Age 30 → policy_term = 30 (60 - 30) - Age 45 → policy_term = 15 (60 - 45) - Age 55 → policy_term = 5 (60 - 55) - Age 58 → policy_term = 10 - Age 62 → policy_term = 10 Users may override this by explicitly providing a value. sum_assured (int, optional): Life cover amount in INR. Example: 10000000 (1 Crore). Default is 10000000 for non nri. Default is 20000000 for nri. is_nri (bool, optional): Whether the user is a Non-Resident Indian (NRI). Default is False. education (int, optional): Education level of the user. - 1 = Graduate or Above - 2 = Below Graduate Default is 1 (Graduate or Above). Categories: - Insurance - Term Life Insurance - Financial Planning - Quote Generation API Notes: - Age must be a valid positive integer. - Defaults apply only when optional values are not given. - Quotes are indicative and subject to insurer underwriting. - If sum assured is not provided by the user: * For NRI users, default sum assured = 20000000 (2 Crore). * For non-NRI users, default sum assured = 10000000 (1 Crore).