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+# Platform Systems
+
+| System | File | IPP Role | Status |
+|--------|------|----------|--------|
+| Policy Configuration Service (PCS) | pcs_v2_0.md | IPP owns | Outstanding |
+| Product Routing Service (PRS) | prs_v2_0.md | IPP owns | Outstanding |
+| Document Generation Service | doc-gen_v2_0.md | IPP owns | Outstanding |
+| eSignature Service | esignature-service_v2_0.md | IPP owns | Draft |
+| ACORD Feed Framework | acord-feed-framework_v2_0.md | IPP owns | Outstanding |
+| Carrier Data Feeds | carrier-data-feeds_v2_0.md | IPP owns | Outstanding |
+| DTC Application Funnel | dtc-funnel_v2_0.md | IPP integrates | Draft |
+| Agent Assisted App Funnel | agent-assist-funnel_v2_0.md | IPP integrates | Draft |
+| Microsite Funnel | microsite-funnel_v2_0.md | IPP integrates | Draft |
+| LOB.com | lob_v2_0.md | IPP integrates | Outstanding |
+| Agent Portal | agent-portal_v2_0.md | IPP integrates | Outstanding |
+| Member Portal | member-portal_v2_0.md | IPP integrates | Outstanding |
+| Main App (policy flow) | main-app_v2_0.md | IPP integrates | Outstanding |
+| Policy Admin System (PAS2) | pas2_v2_0.md | IPP integrates | Outstanding |
+| Underwriting (UW 2.0) | uw2_v2_0.md | IPP integrates | Outstanding |
+| Payment Platform / Stripe | payments-stripe_v2_0.md | IPP integrates | Outstanding |
+| Profile Service | profile-service_v2_0.md | IPP integrates | Outstanding |
+| Iterable | iterable_v2_0.md | IPP integrates | Outstanding |
+| NetSuite | netsuite_v2_0.md | IPP integrates | Outstanding |
+| Commission Feeds / Validation | commission-feeds_v2_0.md | IPP integrates | Outstanding |
+| OTP Service | otp-service_v2_0.md | PRT owns | Outstanding |
+| Partnerships System | partnerships_v2_0.md | PRT owns | Outstanding |
+| Error Classification Pipeline | error-classification_v2_0.md | IPP integrates | Needs Validation |
+
+Note — Error Classification Pipeline: Confirmed as built (Pankaj). Rules and logic require validation before documenting as confirmed behavior.
diff --git a/layer-01/platform-systems/agent-assist-funnel_v2_0.md b/layer-01/platform-systems/agent-assist-funnel_v2_0.md
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+---
+layer: 01 — Platform Knowledge
+type: Platform System
+system: Agent Assisted Application Funnel (AAA)
+owner_product: Pankaj Soni (IPP Product)
+owner_engineering: IPP Engineering — Microservices / Partnerships
+last_updated: 2026-05-07
+status: Draft
+source: ethos-prt context-docs — channels/agent-assisted-application.md, contracting-aor/overview.md, contracting-aor/pattern.md, quoter/overview.md, agent-portal/overview.md, agent-portal/quote-and-application.md, products/prime, products/choice, products/ameritas-iul, products/sahara — Apr 2026
+template_version: 2.0
+---
+
+# Agent Assisted Application Funnel (AAA)
+
+## What it is
+
+The Agent Assisted Application (AAA) is the primary application channel on the Partnerships platform. The agent drives the application end-to-end — quoting, filling the form, handling disclosures, managing IDV, AML, and OFAC checks, and submitting or routing to manual underwriting (RUW). The client participates only at specific consent and verification steps (OTP, e-sign). The guiding principle is **"agent is the product"** — the agent owns the journey and the outcome. This is distinct from Client-Initiated / MicroSite flows, where the consumer drives the application themselves.
+
+AAA runs across two surfaces simultaneously:
+- **Agent Portal** (`agents.getethos.com`) — agent fills the form, reviews UW decisions, monitors status
+- **Consumer App** — client receives OTP/e-sign link, completes identity verification, signs disclosures
+
+The funnel has two architectural generations:
+- **Legacy AAA (consumer-first)** — built on top of the consumer application; still active for Prime, Choice, Ameritas IUL, Sahara
+- **New AAA (agent-first)** — dedicated agent-first experience (PRD #47); live for GAWL, TS Term, Beacon; all other products migrating incrementally
+
+Available for all Partnerships products: Prime (LGA/Spirit), Choice (Ameritas), Ameritas IUL, Sahara IUL, TAWL/GAWL, Beacon SI/GI WL.
+
+---
+
+## Ownership
+
+| Responsibility | Owner | Notes |
+|---|---|---|
+| Product requirements and funnel design | IPP Product (Pankaj Soni) | |
+| Agent Portal build and maintenance | IPP Engineering — Partnerships | |
+| Consumer App surface (e-sign, OTP) | IPP Engineering | Consumer-facing side of AAA |
+| Agent Config Service | IPP Engineering — Microservices | Controls product enablement and priority order per agency |
+| IDV / AML / OFAC compliance checks | IPP Engineering | GIACT, Persona, Twilio, TransUnion integrations |
+| AOR / contracting flow | IPP Engineering — Partnerships | GCR form, DocuSign, AgentSync, carrier feeds |
+
+**Ownership boundary:** IPP Product defines routing rules, compliance check requirements, UW decision handling, and contracting eligibility rules. Engineering owns all service integrations, the Agent Config Service, surface-level build, and carrier feed pipelines.
+
+---
+
+## Inputs required
+
+Before AAA can be configured for a new product:
+
+| Input | Provided by | Notes |
+|---|---|---|
+| Product enabled in Agent Config Service | IPP Engineering | Controls which agents/agencies see the product in the portal; drives featured product display and priority order |
+| PRS recommendation rules for the product | IPP Product / Actuarial | Required before routing works in AAA; translated to PRS config via Google Sheet → CSV → Airflow pipeline |
+| PCS configuration (coverage, eligibility, state approvals) | IPP Product | Required before quote or application can be generated |
+| Carrier IDV / AML requirements | Insurance Team / Compliance | Determines which compliance checks apply per product |
+| UW decision outcomes for the product | IPP Engineering / UW | Drives which decision states are surfaced to the agent |
+| E-sign and OTP configuration | IPP Engineering | Required for activation path |
+| RUW support (if applicable) | IPP Engineering | Required before agent resume of RUW-approved apps is enabled |
+| AOR / contracting configuration per carrier | IPP Engineering | GCR form, DocuSign setup, SFTP or feed configuration for the carrier |
+| Carrier submission cap (if applicable) | IPP Product | 3-policy cap enforced for most carriers before contracting confirmed |
+| PA (Pennsylvania) appointment check configuration | IPP Engineering | Required for any product available in PA |
+
+---
+
+## Outputs produced
+
+| Output | Destination | Notes |
+|---|---|---|
+| Started application (policy record) | Main App / PAS2 | Created when agent begins a quote or application |
+| Customer record | Customers tab (Agent Portal) | Created on first entry of name, email, phone number |
+| Routed product | PRS → Main App | PRS evaluates eligibility and routes to the correct product at application start |
+| UW decision | Agent Portal (inline) | Surfaced at post-interview step; reasons shown where available (TruStage products do not return UW reasons; routing reasons shown instead) |
+| Activated policy | PAS2 / carrier | Triggered by e-sign completion |
+| TX103 (ACORD) | Carrier | New business submission sent to carrier after all pre-transmission checks pass |
+| RUW submission | Underwriting Service | Triggered when UW routes to manual review |
+| AOR / contracting record | Par system / Salesforce | Written agent NPN appears on carrier submissions and all policy documents after contracting confirmed |
+| Analytics events | Amplitude | Funnel drop-offs, e-sign method split, reroute frequency, risk/fraud check pass/fail rates |
+
+---
+
+## Product catalog and entry points
+
+### Products available in AAA (as of May 2026)
+
+| Product | Carrier | Coverage | Issue Age | Instant Decision | AAA Architecture | Quote Pattern |
+|---|---|---|---|---|---|---|
+| Term Life — Prime (LGA) | Banner Life (Legal & General America) | $100K–$2M (age-banded) | 20–65 | ~90% | Legacy | Separate quote + app |
+| Term Life — Prime (Spirit) | Protective Life Insurance Company | $100K–$2M (age-banded) | 20–65 | ~90% | Legacy | Separate quote + app |
+| Term With Living Benefits — Choice | Ameritas Life Insurance Corp | $50K–$1M (age-banded) | 20–65 | 90% | Legacy | Separate quote + app |
+| Ethos Protection IUL (Ameritas IUL) | Ameritas Life Insurance Corp | $25K–$1M (age-banded) | 20–65 | 60%+ | Legacy | Combined quote + app |
+| Accumulation IUL (Sahara) | North American Company / SFG | $25K–$2M (age-banded) | 18–65 | ~80% | Legacy | Combined quote + app |
+| Final Expense Whole Life (TAWL) | MEMBERS Life Insurance Co. | $5K–$100K | 20–85 | 100% | New AAA | Separate quote + app |
+| Guaranteed Acceptance Whole Life (GAWL) | CMFG Life Insurance Co. | $2K–$25K | 45–80 | 100% | New AAA | Separate quote + app |
+| Beacon Simplified Issue WL (SIWL) | Banner Life Insurance Co. | $2K–$50K | 45–85 | 100% | New AAA | Separate quote + app |
+| Beacon Guaranteed Issue WL (GIWL) | Banner Life Insurance Co. | $2K–$25K | 45–80 | 100% | New AAA | Separate quote + app |
+| TruStage® Term Life (TS Term) | MEMBERS Life Insurance Co. | $15K–$300K | 20–69 | 100% | New AAA | Separate quote + app |
+
+**Not available in New York** for all products. Additional state restrictions: TAWL not available in CT; GAWL not available in WA.
+
+### Agent Portal — Quote & Application tab
+
+Products are displayed in two sections:
+
+**Featured section (top 3):** Determined by the Agent Config Service — the top 3 enabled products based on priority order configured per agency. Same priority logic drives shortcuts on the Home page. Each card shows: product name, description, coverage range, carrier tags, and CTA button(s).
+
+**All Products section:** All available products in collapsible categories (Term Life, Index Universal Life, Whole Life). Two agents at different agencies may see a different set of featured products and a different default product order.
+
+### CTA patterns by product
+
+| Pattern | Products |
+|---|---|
+| **Create quote** + **Start application** (separate steps) | Prime (LGA/Spirit), Choice, TAWL/GAWL, Beacon, TS Term |
+| **Start quote & application** (combined, single flow) | Ameritas IUL, Sahara (Accumulation IUL) |
+
+---
+
+## AAA Flow — Step by Step
+
+### Step 1 — Quote → Application Handoff
+
+For separate-flow products (Prime, Choice, TAWL/GAWL, Beacon, TS Term), the agent creates a quote first by entering: Sex, Birth date, Smoking status, Residence, Health class. The quote displays estimated coverage and premium. From the quote, the agent starts the application independently.
+
+For combined-flow products (Ameritas IUL, Sahara), the agent enters the quote form and proceeds directly into the application without a separate quote-creation step. IUL quote forms also offer multiple solve options:
+
+- **Ameritas IUL**: Smart Solve™ (default), Maximize Cash Value, More Solves (dropdown)
+- **Sahara**: Express Solves (Max Cash Value · Maximize retirement income · Smart Solve™ · Million dollar baby · College savings alternative), Custom Solve, Import an illustration
+
+Both IUL products surface inline **Frequent Knockout Conditions** panels in the quoter — agents are warned before entering the full application.
+
+### Step 2 — Pre-Interview: Basic Client Info
+
+Before the main health interview, the agent completes:
+
+**a. Soft consent** — agent informs the client of the application process and captures soft consent before proceeding.
+
+**b. Basic client info** — agent enters:
+- Full name, DOB, address, SSN or ITIN
+- Driving license (state confirmation)
+- LexisNexis prefill surfaces address and phone suggestions; partial SSN prefill available for eligible applicants
+
+**c. Returning user check** — if the email matches an existing Ethos user, the system prompts client verification using existing profile details. Name and DOB are pre-filled and locked (cannot be changed). Verification attempt limit is configurable. Any open application for the same profile is automatically closed when a new one is started. If verification fails: agent can start a fresh application with a new email.
+
+**d. Phone number selection** — agent selects from prefilled LexisNexis phone options or enters manually if no prefill is found. For returning users with an existing number, OTP is sent to verify or update it.
+
+### Step 3 — Pre-Interview Compliance Checks
+
+Three compliance checks run before the main health interview begins. All three are required before the application can proceed.
+
+#### ToF Fraud / Identity Check
+
+| Path | Trigger | Method |
+|---|---|---|
+| Primary | SMS Disclosure Signature qualifies | Phone OTP via Twilio |
+| Fallback | Any SMS criterion fails | Document IDV via Persona (Government ID + selfie) |
+
+**SMS Disclosure Signature qualification** — phone OTP path is used only if ALL four criteria are met:
+1. Client's phone is a mobile number (confirmed via Twilio LineType)
+2. Phone is associated with the user via LexisNexis Prefill or Twilio Identity match
+3. Non-documentary AML control has passed
+4. No government ID upload required by UW (US Resident, or TruStage + SSN)
+
+If any criterion fails → document-based IDV (Persona) is triggered.
+
+#### AML Check
+
+| Product | Primary | Backup |
+|---|---|---|
+| Term products (Prime, Choice) | GIACT | TransUnion |
+| WLFE / TruStage products (TAWL/GAWL) | TS IDV check | — |
+| TruStage/TS products | Not applicable | — |
+
+#### OFAC Check
+
+Automated for all products and all users. Blocks the application with a visible reason if flagged.
+
+#### Foreign national handling
+
+If the client is a non-citizen or non-Permanent Resident, the agent selects the applicable visa/ID type and is shown guidance on required documents. IDV, AML, and UW controls differ:
+
+| Document Type | ToF Control | AML Control | UW Control |
+|---|---|---|---|
+| Eligible visa + SSN | Phone OTP (primary) | Non-doc available; Govt ID+Selfie as backup | Visa or EAD required |
+| Eligible visa + ITIN | Phone OTP (primary) | Non-doc NOT available; Govt ID+Selfie only | Visa or EAD required |
+| EAD only + SSN | Govt ID+Selfie (backup) | Non-doc available; Govt ID+Selfie as backup | EAD required |
+| EAD only + ITIN | Govt ID+Selfie only | Non-doc NOT available; Govt ID+Selfie only | EAD required |
+| No visa + No EAD + SSN | None | Not applicable — routed to TruStage | — |
+| No visa + No EAD + ITIN | — | Non-doc NOT available; Govt ID+Selfie only | UW doc upload not needed |
+
+**Product eligibility by document type (Choice and Ameritas IUL):**
+
+| Document Type | Eligible? | Conditions |
+|---|---|---|
+| SSN + eligible US visa | Yes | — |
+| SSN + EAD (no visa) | Yes | No travel outside US within 2 yrs of EAD issue; US resident ≥18 months; US-based medical care + physician visit in past 18 months |
+| SSN only (no visa, no EAD) | No | Routed to TruStage |
+| ITIN + eligible US visa | Yes | — |
+| ITIN + EAD (no visa) | Yes | Same EAD conditions above |
+| ITIN only | Yes (Choice/IUL) | Age 25–60; ≥$40K household income; US resident ≥18 months; no travel outside US; US-based medical care + physician visit in past 18 months |
+
+### Step 4 — AOR / Contracting Check (Agent of Record)
+
+Before or during the AAA flow, the platform enforces agent contracting and licensing requirements. The check point varies by product and state — it runs at **app start, waterfall routes, and submission/activation**.
+
+#### What AOR means
+
+- **Before AOR:** All Ethos policies were submitted under a single internal agent (Michael Mould). The writing agent's NPN was passed alongside but not used as AOR.
+- **After AOR:** The writing agent's NPN appears in the carrier API header and on all policy documents.
+- **Transition state:** Until an agent completes contracting, Ethos remains the AOR. Exception: Spirit (Protective) uses one signature (Ethos/Michael Mould) until the agent is fully contracted — they do not want two signatures.
+
+#### Agent eligibility categories
+
+| Agent type | AOR eligible? | GCR required? |
+|---|---|---|
+| `consumer`, `agent`, `agency` | Yes | Yes |
+| `affiliate` | No | No — Ethos always AOR |
+| Referral / Goosehead type | No | No — Ethos always AOR |
+
+#### Three-ladder contracting model
+
+**Ladder 1 — GCR status:**
+
+| Status | Meaning |
+|---|---|
+| Not applied | Agent hasn't started the GCR form |
+| Initiated | Agent started but hasn't completed |
+| Completed | GCR submitted; versioned by update date |
+
+**Ladder 2 — Contracting status (carrier-level):**
+
+| Status | Meaning |
+|---|---|
+| Not initiated | Default; agent has not started GCR or DocuSign |
+| Started | Agent started GCR form but has not yet signed DocuSign |
+| Submitted | DocuSign signed; waiting for carrier confirmation (PA at TruStage only) |
+| Active | Agent is contracted and appointed in at least one state |
+| Inactive | Carrier marked agent inactive; reinstatement may be possible |
+| Carrier Ineligible | Carrier cannot onboard agent; blocks that carrier's products only |
+| Terminated | Hard decline — agent cannot sell for that carrier |
+| Needs attention | Carrier needs additional info; GCR unlocks for resubmission |
+| Expired | Contracting expired by carrier |
+
+**Ladder 3 — Appointment status (state-level):**
+Not applied → Submitted → Confirmed → Declined → Needs attention → Expired
+
+#### Policy submission cap
+
+Most carriers enforce a 3-policy cap per agent before contracting is fully confirmed:
+
+| Carrier / Product | Cap |
+|---|---|
+| LGA (Banner) — all products (Beacon + Prime share the same count) | 3 policies / agent |
+| Protective (Spirit) | 3 policies / agent |
+| TruStage — TAWL, SITL, GAWL | 3 policies / agent / TS product (each counted separately) |
+| Ameritas IUL | 3 policies / agent |
+| Ameritas Choice | No cap |
+
+The 4th submission is blocked at: Routing page, Quoter, AAA → Client Details, Homepage, Final Look, Thank You page, Settings. Quoting remains allowed; only "Start Application" is disabled.
+
+#### License verification (AgentSync / NIPR)
+
+License check (Life LOA) runs via AgentSync on the Final Look page for all products. AgentSync queries NIPR (refreshed daily; ~24-hour lag for new licenses).
+
+**AgentSync failure modes:**
+
+| Scenario | Behavior |
+|---|---|
+| Agent NPN incorrect or name/SSN mismatch | AgentSync returns error; inform agent |
+| License found but wrong Line of Authority (not Life LOA) | Submission blocked |
+| API failure (NIPR timeout) | Final Look: allow submission (policy → "Ready for Carrier Transmission") |
+| NIPR lag (new license, 1–2 day delay) | Background job re-checks every 4–6 hours for up to 48 hours |
+| NIPR down/unreachable | Submit allowed; policy → "Ready for Carrier Transmission"; background retries |
+| No license confirmed after 48h | Application auto-closes; agent and client notified |
+
+#### Pennsylvania (PA) — pre-appointment state
+
+PA is the only pre-appointment state at TruStage launch. It requires formal carrier appointment before an agent can submit their first policy as AOR. Checks run at 3 points: **app start, waterfall routes, submission/activation**.
+
+**PA flow for Prime (LGA + Spirit):**
+1. License check — not licensed in PA → cannot start AAA (can still share quote)
+2. Contracting check — if not contracted:
+   - GCR → DocuSign for Protective first; XML feed sent to Protective (pre-appoints licensed PA agents)
+   - Then DocuSign for LGA/Banner; XML feed sent to LGA with state = PA
+3. Appointment check — contracted but not yet appointed → PA appointment request sent to contracted carriers
+4. PRS routing once appointed: agent appointed with Protective only → Spirit products only; LGA only → LGA products only; both → all Prime products available
+
+**Appointment confirmation by carrier:**
+- TruStage: Confirmed via email
+- LGA (Banner) / Spirit (Protective): Via XML SFTP feed (state = PA sent in feed); Protective pre-appoints licensed PA agents automatically
+- Sahara (North American): Via TX1228 daily feed
+- Ameritas IUL: Via SuranceBay
+- Ameritas Choice: License check applies; appointment request sent if not appointed
+
+#### AML training requirement
+
+Required for: Ethos/Ameritas IUL, Accumulation/Sahara IUL, Beacon (Banner WL), TruStage TAWL, TruStage GAWL.
+**Not required for:** LGA Prime, BGA Prime, Protective/Spirit Prime, TruStage Term, Ameritas Choice.
+
+Validity window: 24 months. Captured via GCR form question flow:
+1. "Have you completed AML training within the previous 24 months?" → Yes/No
+2. If Yes: "Did you complete on Limra?" → Yes/No
+   - If Yes: done
+   - If No: certificate upload required
+3. Date selector: "When did you last complete AML training?" (stored as `<AMLInitialExamDate>`)
+
+If date entered is > 24 months ago: agent is blocked and instructed to complete training before continuing.
+
+#### State IUL training requirements (Iowa and California)
+
+Both states require a one-time 4-hour IUL training course before selling indexed products. Certificates do not expire.
+
+- **Iowa**: State-approved Indexed Product Training required for IUL products (Ameritas IUL, Sahara)
+- **California (SB 263)**: Required for agents with licenses issued or renewed on or after 1/1/2024; applies to IUL products only
+
+#### Carrier outbound feed (contracting requests)
+
+| Carrier | Method |
+|---|---|
+| TruStage | Email |
+| LGA (Banner Life) | SFTP XML (custom, not ACORD); twice daily at 3:30 AM and 3:30 PM UTC |
+| Spirit (Protective) | SFTP XML — same structure as LGA |
+| Sahara (North American) | TX1228 Daily Agent Contracting Feed (inbound carrier → Ethos) |
+| Ameritas IUL | SuranceBay third-party flow — NOT the standard GCR/DocuSign pipeline |
+| Ameritas Choice | Appointment only; not via SuranceBay or GCR/DocuSign |
+
+### Step 5 — Main Interview
+
+The agent fills all health history, lifestyle, financial, and beneficiary questions on behalf of the client. Reflexive (follow-up) questions appear inline. UW and routing reasons are surfaced at reroute decision points. For non-Sahara products, payment details can be added before RUW submission.
+
+**Key interview fields by product:**
+
+| Category | Prime / Choice | Ameritas IUL | Sahara IUL |
+|---|---|---|---|
+| Health questions | Standard health interview (APS for age 61+) | Standard + financial history | Knockout guide-aligned |
+| Financial history | Moderate | Yes — bankruptcy/foreclosure within 7 years; multiple credit delinquencies are knockout conditions | Standard |
+| Beneficiary | Yes | Yes | Yes |
+| Riders | N/A | Care4Life LB, Lifetime Income Rider, Waiver, ADB | ADB, Waiver of Monthly Deductions, Flexible Benefit |
+| Payment info | Before RUW submission | After illustration review | Monthly/quarterly/semi-annual/annual ACH options |
+| Illustrations | N/A | Ameritas PAS system | WELiS Illustration Engine — agent and applicant both e-sign |
+
+### Step 6 — UW Decision
+
+| Decision | Description | Applies to |
+|---|---|---|
+| Approved as applied | Instant approval at quoted class | All products |
+| OTAF | Offer To Applicant in Full — approved at applied-for terms | Prime, Choice |
+| Approved with adjusted offer | Rate class change or rider modification | Prime, Choice, IUL |
+| Product + AD bundle | Approved with Accidental Death rider option | Select products |
+| IUL as approved | IUL approval at quoted class | Ameritas IUL, Sahara |
+| IUL OTAF (upgraded/downgraded) | IUL approval at adjusted class | Ameritas IUL, Sahara |
+| RUW | Referred to Underwriting — manual review required | Prime, Choice, IUL, Sahara |
+| IUL → TAWL | IUL declined; rerouted to TruStage Advantage Whole Life | Ameritas IUL, Sahara |
+| Hard decline | Not eligible for any Ethos product | All products |
+
+**Approval rates:** ~90% instant for Prime/Choice; ~60%+ for Ameritas IUL; ~80% for Sahara.
+**TruStage products:** Do not return UW reasons; routing reasons shown instead.
+
+**Choice — Living Benefits at UW decision:**
+
+| Scenario | LB outcome |
+|---|---|
+| Table D (4) or better | All 3 riders: Critical, Chronic, Terminal Illness |
+| Table E or above | Terminal Illness Rider only (Chronic + Critical declined) |
+| CA, age 65+ | No Critical Illness Rider |
+| CA, applicant answers "No" to UN 3001 supplement | No Critical Illness Rider; gets Chronic + Terminal |
+| LB declined by UW | Terminal Illness Rider only |
+
+**IUL + Choice bundling (after IUL approval):**
+
+After Ameritas IUL underwriting approval, agents are offered the option to add a Choice term policy for the same applicant:
+- No additional UW questions — IUL approval covers Choice eligibility
+- If IUL goes to RUW: Choice consent screen is deferred (P1 scope)
+- If IUL is declined: Choice also declined; applicant sent to TruStage
+- Beneficiary, payment, and future date information are pre-filled from IUL to Choice
+- Policies submitted separately; failure of one does not block the other
+- Exclusions: user has an existing active Choice policy; user was previously declined for Choice; max 1 IUL + 1 Choice per person
+
+### Step 7 — Coverage & Payment
+
+After approval, the agent reviews a **coverage selector** (standardized for Prime, Choice, and other products post-RUW) and a **premium draft selection page**:
+
+- Activate today, or future-date up to 30 days out
+- Draft dates 27–31 of any month are excluded (billing cycle constraint)
+- If future date falls on or after the client's birthday, premium may increase; this must be surfaced to the agent
+
+**Sahara payment options (Super Solve — PRD #41, live):**
+- Monthly ACH (standard)
+- Annual premium payments (client pays APP annually upfront)
+- Lump sum (one-time at activation; additional lump sums made directly with Ameritas post-activation)
+
+The agent previews all final policy details before activation.
+
+### Step 8 — Activation (E-Sign)
+
+Two activation paths:
+
+| Path | Who | How |
+|---|---|---|
+| Client e-sign | Client signs from their device | Agent sends OTP/activation link; client confirms on Consumer App |
+| Agent e-sign on behalf of client | Agent signs with client present | Agent uses e-sign flow in Agent Portal |
+
+Both paths are tracked in analytics to monitor the split between the two methods. AOR re-validation runs at the activation step (live for IUL; part of the non-IUL bug fix for Prime and Choice).
+
+---
+
+## RUW Activation (Post-Approval)
+
+RUW-approved policies require a separate activation step after the UW team generates an offer. Supported for: Choice, Prime (LGA and Spirit), Ameritas IUL, Sahara IUL.
+
+### Channel resume rules (by design)
+
+- **AAA apps:** Only the agent can resume. Client cannot resume an AAA app — ever.
+- **Client-initiated apps:** Only the client can resume. Agent cannot resume a client-initiated app — ever.
+
+### Current state by product
+
+| Product | Agent Can Resume RUW-Approved AAA | Status |
+|---|---|---|
+| Ameritas IUL | Yes — via e-sign consent | Working |
+| Sahara IUL | Yes — via e-sign consent | Working |
+| LGA Prime | No | Known bug; fix in progress |
+| Spirit (Protective) | No | Known bug; fix in progress |
+| Ameritas Choice | No | Known bug; fix in progress |
+
+### RUW activation flow (IUL — current working state)
+
+1. RUW submission — no changes to e-sign/OTP flows at submission
+2. UW team generates offer (as-applied or OTAF) via legacy admin portal
+3. Agent resumes from Agent Portal
+4. Agent sends OTP to client (path 1) or sends activation link to client (path 2)
+5. System runs AOR re-validation
+6. Policy activated
+
+**Bug fix in progress (non-IUL):** When shipped:
+- Enables agent resume + e-sign activation for Prime and Choice
+- Requires e-sign consent (OTP or send-to-client) at agent activation
+- Adds AOR re-validation at the activation step
+- Blocks client activation of AAA policies via member portal post-RUW
+
+---
+
+## Compliance requirements
+
+| Requirement | AAA | Client-Initiated |
+|---|---|---|
+| AOR check | Required at submission; re-validation at activation (IUL: live; non-IUL: part of bug fix) | Not required |
+| License check (Life LOA) | Required via AgentSync on Final Look | Not required |
+| Appointment check (PA states) | Required before application start | Not applicable |
+| ToF Fraud (IDV) | Required — phone OTP (primary) or Persona doc IDV (fallback) | Required |
+| AML | GIACT/TU (Term); TS IDV (WLFE) | Client self-serves |
+| OFAC | Required — automated | Required |
+| AML training (agent) | Required for IUL, TAWL, GAWL, Beacon products | Not applicable |
+| IUL training (Iowa / CA) | Required for IUL products; one-time | Not applicable |
+
+---
+
+## Product-level rerouting via PRS
+
+PRS determines the final issued product based on UW outcomes. Routing is non-sequential — it can jump across product types.
+
+| Entry product | Routes out to | Trigger |
+|---|---|---|
+| Prime (LGA/Spirit) | Choice | Exceeds Prime TRL eligibility but within Choice range |
+| Prime | TS Term Life | Moderate/high-risk outside Choice eligibility |
+| Prime | TAWL/GAWL | Further fallback for applicants not eligible for term products |
+| Choice | TruStage | TRL > 95 or FN with SSN only |
+| Ameritas IUL | TAWL | Tables 7–10 or manual UW referral |
+| Sahara IUL | TAWL | ~20% of applicants not receiving instant IUL approval |
+| TAWL | GAWL | TAWL not available or applicant not eligible |
+
+---
+
+## Product-specific AAA behaviors
+
+### Prime (LGA + Spirit)
+
+- **Coverage (age-banded):** Age 20–50: $100K–$2M; Age 51–60: $100K–$1M; Age 61–65: $100K–$500K
+- **Term lengths:** 10–40 years (varies by age band and tobacco status)
+- **UW classes:** Preferred Plus, Preferred, Standard, Table ratings (non-tobacco); Standard, Table ratings (tobacco)
+- **APS/EHR:** Required for applicants age 61+
+- **Conversion (Banner Life only):** Client may convert to Life Step UL — the only conversion option across Ethos term products. Not available on Protective policies.
+- **BGA Term (LGA only — Q2 2026 launch):** Expanded TRL eligibility, lower PPU pricing, max issue age 60, coverage up to $3M for age 20–50. Available only to BGA-configured agencies.
+- **RUW bug:** Agent resume of RUW-approved AAA apps not working for Prime. Fix in progress.
+
+### Choice (Ameritas)
+
+- **Coverage (age-banded):** Age 20–50: $50K–$1M; Age 51–60: $50K–$500K; Age 61–65: $50K–$350K
+- **Term lengths:** 10–40 years (varies by age and tobacco status)
+- **UW classes:** Preferred Plus through Standard; Table ratings 1–10 (non-tobacco); Standard, Table ratings 1–10 (tobacco)
+- **Living Benefits at no cost:** Critical, Chronic, and Terminal Illness riders included; requires Table D (4) or better for Chronic/Critical
+- **LB acceleration:** 90% of death benefit; APV (Actuarial Present Value) basis — not lien-based
+- **State-specific rider structure:** Single combined rider for most states; three separate riders in CA; state-specific filings for FL, SD, SC
+- **IUL + Choice bundling:** After IUL UW approval, agent offered Choice for same applicant (no additional UW required)
+- **DTC excluded:** Partnerships-only; Ameritas not approved for DTC term + LB
+- **SoFi/CreditKarma excluded:** Continue routing to form 3029 without LB
+- **No agent appointment change:** No additional appointment beyond standard Ameritas contracting
+- **RUW bug:** Agent resume of RUW-approved AAA apps not working. Fix in progress.
+
+### Ameritas IUL (Ethos Protection IUL)
+
+- **Coverage (age-banded):** Age 20–50: $25K–$1M; Age 51–60: $25K–$500K; Age 61–65: $25K–$350K
+- **Design:** Protection-first, level-to-endow configuration
+- **Illustrations:** Ameritas PAS illustration system; not WELiS
+- **Riders:** Care4Life ADB (Critical/Chronic/Terminal); Lifetime Income Rider (not available in WA); Overloan Protection; Waiver of Specified Premium; ADB (at cost)
+- **Super Solve (PRD #41 — live):** Annual and lump sum payment modes added in addition to monthly
+- **Contracting:** AOR flow active but uses SuranceBay (third-party), NOT the standard GCR/DocuSign pipeline
+- **Training:** AML + Iowa/CA IUL training required
+- **Non-PA states:** Agent can submit before contracting confirmed; TX103 held in "Ready for Carrier Transmission" until contracting confirmed
+- **RUW activation:** Working — agent resumes, e-sign consent, AOR re-validation at activation
+
+### Sahara (Accumulation IUL — North American / SFG)
+
+- **Coverage (age-banded):** Age 18–50: $25K–$2M; Age 51–60: $25K–$1M; Age 61–65: $25K–$250K
+- **Design:** Accumulation-first; Min-Non-MEC-DB, Option B to A — maximizes cash value
+- **Illustrations:** WELiS Illustration Calculation Engine; both agent and applicant e-sign the illustration AND the application
+- **Riders:** ADB (Critical/Chronic/Terminal); Protected Death Benefit; Overloan Protection; Return of Premium DB Endorsement; Life Perks Rider; Waiver of Monthly Deductions; Flexible Benefit Rider; ADB Rider (not available in CA)
+- **Not available in:** NY, CA, OR
+- **Agency contracting:** Carrier → Ethos → Agency → Agent (not standard carrier → Ethos → Agent). Each agency requires an `sfgAgencyID` from SFG before any agents can sell Sahara. This is a one-time manual process outside Ethos systems.
+- **Compensation:** Instant True-up (ITU) basis; 12-month advance pay cap of $10,000; rolling target premium across multiple years
+- **Billing feeds:** TX508 (initial premium), TX1203 (inforce daily), TX1228 (daily agent contracting)
+- **Primary distribution:** FFL (Family First Life) and GFI (Global Financial Impact)
+- **Training:** AML + Iowa/CA IUL training required
+- **RUW activation:** Working — agent resumes, e-sign consent, AOR re-validation at activation
+
+---
+
+## Agent Portal — system context
+
+| Component | Description |
+|---|---|
+| Agent Config Service | Stores per-agent and per-agency configuration — product eligibility, product priority order, feature flags, integration settings. Controls featured product display. |
+| Partnerships API | Core API layer connecting enterprise onboarding flows, Salesforce, and the portal |
+| AgentSync | NPN verification and NIPR licensing data integration |
+| Par system | Core backend; source of truth for AOR and controlled policy status |
+| Salesforce (SFDC) | Stores contracting status; feeds to Par system |
+| DocuSign | Carrier contracting form signing — triggers commission unblock on agent signature |
+| Retool | Partner Ops tool — update contracting status, disable commission blocks, manage PA appointments manually |
+| Ironclad | Metadata storage for signed contracting forms (timestamp, PDF copy) |
+
+**Portal navigation relevant to AAA:**
+
+| Nav item | Description |
+|---|---|
+| Quote & Application | Product selector; entry point for starting quotes and applications |
+| Customers | Full list of leads, quotes, and policy records; CRM-lite with notes and tasks |
+| Settings → Carrier Contracting | Agent's per-carrier contracting status, appointment states, and action items |
+
+---
+
+## Dependencies
+
+| System | Dependency type | Details |
+|---|---|---|
+| Agent Config Service | Upstream | Controls product enablement and priority order per agency |
+| PCS (Product Configuration Service) | Upstream | Coverage, eligibility, state approvals — required before quote or application |
+| PRS (Product Routing Service) | Upstream | Routes applicant to correct product at application start; determines final issued product |
+| Main App | Runtime | AAA application data flows into and is managed by Main App |
+| Consumer App | Runtime — client surface | Client receives OTP/e-sign link; completes IDV, disclosures, activation |
+| LexisNexis | Upstream — prefill | Address, phone, partial SSN prefill at pre-interview step |
+| Persona | Upstream — document IDV | Government ID + selfie when phone OTP path is not available |
+| GIACT / TransUnion | Upstream — AML | Non-documentary AML control for Term products |
+| Twilio | Upstream — OTP / LineType | Phone OTP delivery; mobile number type verification |
+| AgentSync / NIPR | Upstream — license verification | Life LOA confirmation; 24h NIPR refresh lag |
+| DocuSign | Upstream — contracting | Carrier contracting form signing; commission unblock trigger |
+| WELiS | Upstream — illustrations (Sahara) | IUL illustration calculation engine for Sahara/North American products |
+| Ameritas PAS | Upstream — illustrations (Ameritas IUL) | Illustration system for Ethos Protection IUL |
+| PAS2 (Policy Admin System) | Downstream — policy activation | Activated policy data flows to PAS2 |
+| Underwriting Service | Downstream — RUW | RUW submission routed to UW team for manual review |
+| Par system | Downstream — AOR | Source of truth for AOR and controlled policy status |
+| Salesforce | Downstream — contracting | Contracting status stored; feeds to Par system |
+| Optimizely | Runtime — feature flags | Used for AAA migration rollouts and treatment experiments |
+| Amplitude | Downstream — analytics | Funnel events, e-sign split, reroute frequency, fraud check pass/fail rates |
+| Stripe | Downstream — initial premium | Initial premium charged via Stripe after activation |
+
+---
+
+## Known constraints
+
+**1. Legacy AAA architecture for most products.**
+Prime, Choice, Ameritas IUL, and Sahara remain on the consumer-first legacy AAA. The agent-first migration (PRD #47) is incremental. New products should target the new AAA experience.
+
+**2. Non-IUL agent resume of RUW-approved apps is broken.**
+Prime (LGA + Spirit) and Choice agents cannot resume RUW-approved AAA apps from the portal. Clients are using the member portal as a workaround — this is incorrect behavior. Fix is in progress. When shipped: enables agent resume, adds e-sign consent at activation, adds AOR re-validation, and blocks client activation of AAA policies post-RUW.
+
+**3. Client cannot resume an AAA app.**
+By design. Any AAA app started by an agent must be resumed by the agent. There is no client-resume path for AAA. Conversely, agents cannot resume client-initiated apps.
+
+**4. Draft date exclusions.**
+Dates 27–31 of any month are excluded from premium draft selection (billing cycle constraint). New products must account for this in activation UX.
+
+**5. Birthday premium increase.**
+If the activation future date falls on or after the client's next birthday, the premium may increase. This must be surfaced to the agent in the coverage/payment step.
+
+**6. SMS Disclosure qualification is a 4-criteria gate.**
+Failure of any single criterion routes to document IDV (Persona), which has higher drop-off. Foreign national flows have limited or no phone OTP path depending on document type.
+
+**7. AOR re-validation at activation (non-IUL).**
+Once the non-IUL bug fix ships, AOR re-validation will be required at the activation step — consistent with the IUL flow. Products going live before the fix ships should plan for this requirement.
+
+**8. Sahara requires agency-level contracting with SFG before any agents can sell.**
+The agency must obtain an `sfgAgencyID` from SFG/North American directly. This is a one-time manual process outside Ethos systems. It is a prerequisite for the AOR flow to work for any agent at that agency.
+
+**9. Ameritas IUL uses SuranceBay (non-standard contracting pipeline).**
+Ameritas IUL contracting is not integrated into the standard GCR/DocuSign pipeline. End-to-end AOR standardization for Ameritas IUL is not on the current roadmap.
+
+**10. NIPR 24-hour lag.**
+New licenses may not be visible in NIPR for up to 24 hours. Background job retries every 4–6 hours for up to 48 hours. Applications auto-close if license is not confirmed after 48 hours.
+
+**11. Sahara not available in CA or OR.**
+Ameritas IUL not available in NY. All products unavailable in NY. State restrictions must be enforced before showing products in the quoter.
+
+**12. IUL illustrations require dual e-sign (agent + applicant).**
+For Sahara, the illustration generated via WELiS must be e-signed by both the agent and the applicant. This is a carrier compliance requirement and cannot be bypassed.
+
+---
+
+## Needs Validation
+
+**NV-1 — New AAA migration timeline for remaining products.**
+Prime, Choice, Ameritas IUL, and Sahara are still on the legacy consumer-first AAA. Migration timeline to the agent-first experience is not documented. Confirm with IPP Engineering before including migration ETA in downstream PRDs.
+
+**NV-2 — Agent Config Service entity model.**
+The full configuration entity model for Agent Config Service (beyond product enablement and priority order) is not documented. A separate Layer 01 platform overview for Agent Config Service may be warranted.
+
+**NV-3 — Returning user verification attempt limit.**
+The number of verification attempts before an agent is blocked when a returning user fails verification is configurable. Current production value is not documented here.
+
+**NV-4 — Non-IUL RUW bug fix ship date.**
+Fix is confirmed in progress but no ship date is documented. Products depending on correct RUW agent resume behavior should confirm the fix is live before GA.
+
+**NV-5 — BGA Term (LGA) launch status.**
+Target Q2 2026. Agency classification rules and waterfall protection are documented in `ethos-prt/reference/mlm-bga-agency-list.md`. Confirm launch status and exact TRL eligibility expansion before including in any routing documentation.
+
+**NV-6 — Choice LB rider structure in non-compact states (FL, SD, SC).**
+State-specific filing details for FL, SD, SC are not fully documented here. Confirm form and rider structure with Compliance before configuring these states for Choice.
+
+---
+
+## Related PRD templates
+
+- **Agent Assisted App Experience PRD** (Layer 04 / Layer 05) — core PRD for all native products
+- **UW Foundations PRD** — UW decision outcomes passed to AAA
+- **ERD Writer PRD** — AAA data model and API contract
+- **Agent Contracting PRD (PRT)** — AOR check and license verification, GCR form, carrier contracting rules
+- **IDV PRD** — identity verification service used in AAA compliance checks (IDV Layer 01 platform overview not yet created — see PRS NV-1)
+
+---
+
+## Source Documents
+
+| Document | Repo / Location | Date | Notes |
+|---|---|---|---|
+| `channels/agent-assisted-application.md` | ethos-prt | 2026-04-06 | Primary source — AAA flow, compliance checks, RUW activation. Author: Kunal Anand |
+| `contracting-aor/overview.md` | ethos-prt | 2026-04-09 | AOR system, GCR, carrier contracting, license verification, PA state rules |
+| `contracting-aor/pattern.md` | ethos-prt | — | UI/UX patterns across AOR flows |
+| `agent-portal/overview.md` | ethos-prt | 2026-03-25 | Agent Portal structure and backend services |
+| `agent-portal/quote-and-application.md` | ethos-prt | 2026-03-25 | Quote & Application tab, Agent Config Service, product display logic |
+| `quoter/overview.md` | ethos-prt | 2026-04-01 | Product catalog, PRS routing, solve options. Author: Kunal Anand |
+| `products/prime/overview.md` | ethos-prt | 2026-05-05 | Prime (LGA/Spirit) — coverage, UW, AOR, BGA Term. Author: Kunal Anand |
+| `products/choice/overview.md` | ethos-prt | 2026-04-01 | Choice — coverage, LB riders, foreign national eligibility. Author: Kunal Anand |
+| `products/ameritas-iul/overview.md` | ethos-prt | 2026-04-06 | Ameritas IUL — coverage, solve options, contracting. Author: Kunal Anand |
+| `products/sahara/overview.md` | ethos-prt | 2026-04-01 | Sahara IUL — coverage, agency contracting, compensation. Author: Kunal Anand |
+| `channels/design-reference/aaa-shell.md` | ethos-prt | 2026-04-06 | Consumer-facing AAA shell UI patterns |
+
+## Change Log
+
+| Version | Date | Author | Summary |
+|---|---|---|---|
+| v2.0 | 2026-05-07 | Pankaj Soni | Full draft — sourced from ethos-prt context-docs; covers full AAA flow, AOR/contracting, all products, compliance checks, PRS rerouting |
diff --git a/layer-01/platform-systems/dtc-funnel_v2_0.md b/layer-01/platform-systems/dtc-funnel_v2_0.md
new file mode 100644
index 0000000..ade8706
--- /dev/null
+++ b/layer-01/platform-systems/dtc-funnel_v2_0.md
@@ -0,0 +1,248 @@
+---
+layer: 01 — Platform Knowledge
+type: Platform System
+system: DTC Application Funnel (Direct-to-Consumer)
+owner_product: Ash Muralidharan (Consumer Product)
+owner_engineering: Gaurang Khetan (Consumer Engineering)
+last_updated: 2026-05-12
+status: Draft
+source: Notion — Consumer Org page and sub-pages (Main App flows, BoF Statuses, Consumer Payments, Activation, PreInterview Cleanup, Payment Processing Flow, ConsolidatedCheckoutV2, Returning User Flow) — May 2026
+template_version: 2.0
+---
+
+# DTC Application Funnel (Direct-to-Consumer)
+
+## What it is
+
+The DTC Application Funnel is Ethos's self-serve online life insurance application experience at **`app.ethoslife.com`**. Customers arrive organically from marketing landing pages at `www.ethoslife.com` (CMS) and complete the entire application without agent involvement. The funnel covers the full journey from the first question through underwriting decision, payment, and policy activation.
+
+The DTC funnel is owned and operated by the **Consumer org**. It is separate from the Agent Assisted Application (AAA) channel and the client-initiated Microsite/Share Quote channel, though it shares underlying infrastructure (PRS, UW, Stripe/GIACT payments, carrier transmit systems).
+
+---
+
+## Ownership
+
+| Responsibility | Owner |
+|---|---|
+| Product strategy and roadmap | Ash Muralidharan (Consumer Product) |
+| Engineering leadership | Gaurang Khetan (Consumer Engineering) |
+| STL | Prassath Leelakrishnan |
+| Analytics | Gopi Ramesh |
+| Design | Raffi Feinstein, Kelly LaFleur |
+| Payments sub-team | Aron San (PM), Michael Mata (EM) |
+| Activation sub-team | Soumya Santhanakrishnan (PM), Michael Mata (EM) |
+
+**Consumer Slack:** `#consumer-team`, `#consumer-bugs`, `#consumer-bugs-high-priority`
+**Deployment schedule:** Tuesday and Thursday (IST handles Tuesday; US hours handles Thursday)
+
+---
+
+## How It Is Triggered
+
+1. User lands on a marketing or SEO page at **`www.ethoslife.com`** (CMS — `cms-next` repo)
+2. User clicks a CTA (e.g., "Get my estimate", "Check my price")
+3. CMS redirects to **`app.ethoslife.com`** with a `?flow=` query parameter that determines which Pre-Interview flow the user enters (see Pre-Interview Flows below)
+4. If no flow parameter is provided, users default to the `nap-recommendation` flow (standard Term product path)
+
+---
+
+## DTC Funnel Flow
+
+### Step 1 — Pre-Interview
+
+The Pre-Interview collects lightweight qualification data before the full interview. Questions vary by flow (see Pre-Interview Flows section). Key questions collected in most flows:
+
+- Name, email, date of birth, gender, zip code, citizenship status
+- Health/lifestyle signals used for eligibility routing and product recommendation
+
+Flow is stored in the `lead` object in browser session during Pre-Interview. Once a policy is created, flow is persisted to the database (`clientData` on the policy record) and is the authoritative source thereafter.
+
+### Step 2 — Product Routing (PRS)
+
+After the email question, PRS evaluates the user's profile to determine product eligibility. For the DTC funnel, PRS runs the full waterfall from the top (same as MicroSite). If the user qualifies for multiple products, PRS routes to the highest-priority eligible product.
+
+### Step 3 — Main Interview
+
+Full health, lifestyle, and beneficiary questionnaire. Question set varies by product and carrier.
+
+### Step 4 — Underwriting Decision
+
+- **Instant approval** — most products; decision returned immediately
+- **Instant decline** — application rejected; user may be offered product alternatives via PRS rerouting
+- **Manual (RUW) review** — LGA Prime only; application submitted to manual underwriting queue
+
+If declined on one product, PRS may reroute the user to an alternative product and re-present an application opportunity.
+
+### Step 5 — Checkout / Payment
+
+User reaches the checkout page ("Final Look") to confirm coverage and enter payment details. Two payment methods are supported:
+
+**Credit Card (CC)**
+- Stripe Elements collect and tokenize CC details in the browser (SAQ-A PCI DSS compliant — CC data never touches Ethos servers)
+- Token sent to backend → payment method attached to Stripe customer profile → stored in `Payor` object
+- Ethos charges the card immediately; instant success/failure response
+- Success → proceed to activation; Failure → user blocked, must re-enter payment
+
+**ACH (Bank Account)**
+- User enters bank routing + account number
+- **GIACT** verifies bank account ownership and validity
+- Bank details tokenized → Stripe profile → stored in `Payor` + `PayorInfo` objects
+- Ethos initiates ACH charge; returns **pending** status (not instant)
+- User proceeds to the member portal; actual success/failure resolves in 3–5 business days
+
+**Payment administration by product:**
+- **Ethos-administered (Stripe):** LGA Term (Prime/Choice), most standard term products
+- **Carrier-administered:** IUL, AD — Ethos collects bank details and passes them to the carrier; carrier handles all charging
+- **TruStage Native (TSN) 1st premium:** Tokenization happens server-side (not via Stripe Elements); Ethos charges the first premium only, then passes details to the carrier for recurring billing
+
+### Step 6 — Policy Activation
+
+Activation = the point at which a policy goes into force.
+
+| Scenario | Behavior |
+|---|---|
+| Instant policy, CC payment success | Activated immediately at submission |
+| Instant policy, ACH payment | Activated after ACH clears (~3–5 days) |
+| Forward-dated policy | Transmitted at submission; activated on the chosen future effective date (max 30 days ahead) |
+| LGA Prime RUW | Submitted to manual UW queue; activated only after manual approval |
+| CC payment failure | Blocks activation; user must correct payment |
+| ACH failure post-activation | Policy becomes **Unissued**; user must re-enter payment credentials |
+
+---
+
+## Pre-Interview Flows
+
+Flows are defined in the monorepo at:
+`frontend/src/main/InsuranceApp/PreInterview/constants/flows.ts`
+
+| Flow name | Products | Entry point | Notes |
+|---|---|---|---|
+| `nap-recommendation` / `trustage-native` | Prime (LGA/Spirit), Choice (Ameritas) | Default — most CMS traffic | Standard term product path; most users |
+| `final-expense` | TAWL / GAWL (TruStage) | CMS Final Expense pages | Shorter question set |
+| `iul-instant` | Ameritas IUL | Partnerships activation | ~2K users/month; cannot remove |
+| `returning-user` | All products | App login flow | Resumed applications for existing accounts |
+| `iul-d2c-p2` | IUL D2C phase 2 | Consumer app | IUL secondary flow |
+| `new-policy` | All products | Member portal (2nd policy) | Used for second-policy creation; Member Portal dependency |
+| `trustage-native` | TruStage Term | TruStage Partnerships | Reuses `NAP_RECOMMENDATION_FLOW` directly |
+
+Flow switching logic lives in:
+`frontend/src/main/InsuranceApp/PreInterview/helpers/getUserFlow.ts`
+
+---
+
+## Application Statuses (Bottom of Funnel)
+
+| Status | Meaning |
+|---|---|
+| **Decisioned** | Application received an approved or declined UW decision |
+| **Submitted** | Application completed and sent; for RUW policies = sent to manual UW queue |
+| **Transmitted** | Application sent to carrier; for instant policies this coincides with Submitted and Activated |
+| **Activated** | Policy is in force; effective date is set |
+| **Unissued** | ACH credentials were invalid; policy reverts to Submitted state; user must re-enter payment (~2–7 days post-activation) |
+
+For **instant policies** (all products except LGA Prime RUW): Submitted, Transmitted, and Activated occur at the same time.
+
+---
+
+## Returning User Behavior
+
+Users with an existing Ethos account who return to `app.ethoslife.com` are identified at the email question and routed to a login flow:
+
+- **Verified phone number on file** → SMS OTP verification
+- **No verified phone** → Email OTP verification
+- **CIO token** (from lifecycle email link) → same OTP flow based on phone verification status; first-time CIO login uses original verification (phone + zip)
+
+Controlled by Optimizely feature flag: `improved_login_experience_flow`
+
+---
+
+## Checkout Architecture
+
+The DTC funnel checkout page ("Final Look") is built on top of a shared `ConsolidatedCheckout.tsx` component in the monorepo. An active migration (`ConsolidatedCheckoutV2`) is in progress to split this monolith into per-product checkout components:
+
+| Carrier | Product | V2 component |
+|---|---|---|
+| LGA | Term (Prime) | `LgaTermConsolidatedCheckoutV2` *(in progress)* |
+| Ameritas | Choice | `AmeritasChoiceConsolidatedCheckoutV2` |
+| Ameritas | SI | `AmeritasSimplifiedConsolidatedCheckoutV2` |
+| Ameritas | IUL | `AmeritasIulConsolidatedCheckoutV2` |
+| Protective | Spirit | `ProtectiveSpiritConsolidatedCheckoutV2` |
+| TruStage | TSN Term | `TrustageTermConsolidatedCheckoutV2` |
+| TruStage | TAWL/GAWL | TBD |
+
+State management in V2 uses **Zustand** scoped per checkout session, replacing Redux prop-drilling. Each product checkout exposes atomic selector hooks and an `actions` hook for UI state (loading, modals, payment submission).
+
+**Active checkout modals:**
+- `SsnFormModal` — collects SSN for LGA Term when not yet verified
+- `InstantCheckoutPackageSelectModal` — lets users edit coverage (face amount, term length)
+- `AflacPaymentModal` — Aflac bundle payment capture
+- `EffectiveDatePickerModal` — forward-date policy selection
+
+---
+
+## Dependencies
+
+| System | Role |
+|---|---|
+| CMS (`www.ethoslife.com` / cms-next) | Landing pages; drives traffic with `?flow=` parameter |
+| Product Routing Service (PRS) | Routes user to eligible product; re-routes on UW decline |
+| Underwriting (UW 2.0) | Issues instant approval/decline decisions |
+| Stripe | CC tokenization, charging, payment method management |
+| GIACT | ACH bank account verification and ownership validation |
+| Profile Service | Stores and verifies user phone numbers for returning user OTP |
+| Optimizely | Feature flags and A/B experimentation across funnel |
+| Amplitude | Behavioral analytics; flow and conversion tracking |
+| Segment | Analytics event pipeline |
+| Iterable (CIO) | Lifecycle comms; CIO token-based login links |
+| Carrier transmit systems | Receive policy data at activation (LGA, Ameritas, Protective, TruStage) |
+| Member Portal | Destination post-activation; surfaces policy status and payment management |
+| Policy Admin System (PAS2) | Manages recurring invoicing and payment status |
+
+---
+
+## Known Constraints
+
+1. **No agent in the DTC flow** — No AOR, no licensing check, no contracting requirement. If a user was referred by an agent (MicroSite/Share Quote), those flows are handled by the Microsite Funnel doc, not DTC.
+2. **Flow is browser-session-scoped until policy creation** — If a user clears session storage before completing the application, `lead` (including flow) is lost. Flow is only reliably DB-persisted after a policy record is created.
+3. **CC instant / ACH pending asymmetry** — CC gives immediate activation confirmation; ACH requires a 3–5 day settle window. Products that require confirmed payment before activation cannot guarantee same-session activation for ACH users.
+4. **Unissued risk for ACH** — Incorrect ACH credentials are not caught until the charge attempt 2–7 days post-activation. The policy moves to Unissued and the user must re-enter payment.
+5. **LGA Prime RUW is not instant** — Manual underwriting queue means these policies do not follow the standard instant-transmit-activate path. Activation can take days to weeks.
+6. **Forward-date limit** — Effective date can be set no more than 30 days in advance of application submission date.
+7. **ConsolidatedCheckout.tsx migration risk** — The legacy checkout monolith (3K+ lines) handles multiple products/carriers simultaneously. Changes intended for one product can affect others. The V2 migration is in progress but incomplete; any checkout changes must account for the monolith until product-specific V2 components are live.
+8. **IUL and AD payment passthrough** — For IUL and AD products, Ethos does not administer payments. Bank details are passed to the carrier. Ethos has no visibility into recurring payment success/failure for these products.
+9. **Prepaid cards blocked** — Prepaid cards are blocked as a payment method across all products.
+10. **TSN first premium** — TruStage Native is charged for the first premium by Ethos (server-side tokenization), then carrier handles recurring. This differs from the standard Stripe Elements path.
+
+---
+
+## Needs Validation
+
+1. **PRS rerouting scope on DTC decline** — Confirm which products PRS can reroute to after a DTC decline, and whether the reroute experience is the same as MicroSite reroute behavior.
+2. **ACH failure notification** — Confirm what happens to lifecycle comms (Iterable) when a policy becomes Unissued — whether the user is automatically notified and through what channel.
+3. **CIO token login behavior** — Confirm whether the first-time CIO token login always uses the original phone+zip verification or whether there are cases where it skips directly to SMS OTP.
+4. **TAWL/GAWL checkout V2 timeline** — ConsolidatedCheckoutV2 migration plan for TAWL/GAWL is listed as TBD; confirm current checkout path and any IPP-relevant changes planned.
+
+---
+
+## Source Documents
+
+| Document | Type | Notes |
+|---|---|---|
+| Notion — Consumer Org page | Notion | Team contacts, tech stack, communication channels |
+| Notion — Main App flows (1) | Notion | Pre-Interview flow definitions, routing, analytics |
+| Notion — Bottom of Funnel (BoF) Statuses | Notion | Application status taxonomy |
+| Notion — Consumer Payments | Notion | Payment team, feature history |
+| Notion — Payment Processing Flow Documentation | Notion | CC/ACH/GIACT checkout flow detail |
+| Notion — Overview of Ethos Payments process | Notion | High-level payment overview by product |
+| Notion — Activation | Notion | Activation team and sub-team contacts |
+| Notion — PreInterview Cleanup, Migration & Performance Plan | Notion | PreInterview architecture, flow routing, V2 migration roadmap |
+| Notion — ConsolidatedCheckoutV2 Migration Guide | Notion | Checkout architecture, per-product V2 breakdown, modal inventory |
+| Notion — Returning User Flow v2 | Notion | Login/OTP flow behavior |
+
+---
+
+## Change Log
+
+| Version | Date | Author | Summary |
+|---|---|---|---|
+| v2.0 | 2026-05-12 | Pankaj Soni | Initial draft from Consumer Notion pages |
diff --git a/layer-01/platform-systems/microsite-funnel_v2_0.md b/layer-01/platform-systems/microsite-funnel_v2_0.md
new file mode 100644
index 0000000..d78f317
--- /dev/null
+++ b/layer-01/platform-systems/microsite-funnel_v2_0.md
@@ -0,0 +1,413 @@
+---
+layer: 01 — Platform Knowledge
+type: Platform System
+system: Microsite Funnel (Client-Initiated / Share Quote)
+owner_product: Pankaj Soni (IPP Product)
+owner_engineering: IPP Engineering — Partnerships
+last_updated: 2026-05-12
+status: Draft
+source: ethos-prt context-docs — channels/client-initiated-microsite.md, agent-portal/home-page.md, agent-portal/overview.md, quoter/overview.md, customers/customer-list.md, customers/pre-submission.md, customers/post-submission.md, contracting-aor/overview.md, lifecycle-comms.md, products/tawl-gawl, products/beacon-siwl-giwl — Apr 2026
+template_version: 2.0
+---
+
+# Microsite Funnel (Client-Initiated / Share Quote)
+
+## What it is
+
+The Microsite Funnel covers two distinct self-serve entry points where the **client** drives the application themselves, as opposed to AAA where the agent drives it end-to-end:
+
+- **MicroSite** — client starts a fresh application from the top of the PRS waterfall, initiated by sharing a personal agent referral link
+- **Share Quote** — agent creates a quote in the Agent Portal and shares it with the client; the client completes the full application on the consumer funnel
+
+The guiding principle is **"funnel is the product"** — optimized for self-serve simplicity and scale. The agent initiates the touchpoint but the client owns and drives the transaction.
+
+Both entry points run on the **legacy consumer funnel**. When the new agent-first AAA experience was built, client-initiated was deliberately kept on the existing consumer experience. Migration to a new consumer flow is a possible future direction but is not on the current roadmap.
+
+---
+
+## Ownership
+
+| Responsibility | Owner | Notes |
+|---|---|---|
+| Product requirements and funnel design | IPP Product (Pankaj Soni) | |
+| Consumer funnel build and maintenance | IPP Engineering — Partnerships | Runs on legacy consumer architecture |
+| Agent Portal (share link, quote sharing) | IPP Engineering — Partnerships | Agent-side entry point |
+| PRS routing | IPP Engineering — Microservices | Routes client through waterfall on MicroSite entry |
+| Lifecycle comms triggering | Marketing / Iterable | Client comms sent at key funnel events |
+
+**Ownership boundary:** IPP Product defines routing logic, product eligibility, and compliance behavior. Engineering owns the consumer funnel build, PRS integration, and client-facing experience. Marketing owns lifecycle comms content and Iterable workflows.
+
+---
+
+## Entry Points
+
+### MicroSite
+
+Each agent has a personal referral website (microsite) at:
+**`https://agents.ethoslife.com/invite/[agent-code]`**
+
+The agent shares this link with potential clients via:
+- **QR code** — printed materials, in-person meetings
+- **Direct URL** — shared verbally, messaging apps, social media
+- **Email** — agent emails the URL directly to the client
+- **Agent Portal "Share Website" shortcut** — top-right of the home page ("My Business Website" + Share button)
+
+When the client opens the link, they start a **fresh application from the top of the PRS waterfall**. The Product Routing Service evaluates the client's profile (age, TRL/PreQual score, state, citizenship, etc.) and routes them to the appropriate product. The client does not choose a product — PRS determines it based on eligibility.
+
+Leads generated through the MicroSite flow directly into the agent's **Customers tab** in the Agent Portal with the status "Website Lead" until the application is progressed.
+
+### Share Quote
+
+The agent creates a quote in the Agent Portal (Quote & Application tab) and shares it with the client via:
+- **Email** — system sends the quote summary to the client's email address
+- **PDF** — agent downloads and shares a quote PDF
+
+The client receives the quote and — for products that support client-initiated — can complete the full application end-to-end on the consumer funnel, starting from the pre-filled quote details.
+
+**Critical compliance rule (Share Quote email):** Agents must use the client's actual email address when filling out the application. Use of any other email address may result in coverage being declined or canceled. A persistent non-dismissible amber warning banner is shown below the CTAs on the Share Quote form: *"Please make sure that you use the client's email address when filling out the application. Use of an email address other than the client's email may result in coverage being declined or canceled."* This is a carrier compliance requirement and must be preserved on any feature that collects or pre-fills email in the Share Quote flow.
+
+### Products: Share Quote available vs. client can complete app
+
+| Product | Share Quote available? | Client can complete application? |
+|---|---|---|
+| Prime (LGA / Spirit) | Yes | Yes |
+| Choice (Ameritas) | Yes | Yes (P1 fast-follow scope) |
+| TAWL / GAWL (TruStage) | Yes | Yes |
+| TS Term (TruStage) | Yes | Yes |
+| Beacon SIWL / GIWL (Banner Life) | Yes | **No — AAA only** |
+| Ameritas IUL (Protection IUL) | Yes | **No — AAA only** |
+| Sahara (Accumulation IUL) | Yes | **No — AAA only** |
+
+For AAA-only products, the agent can share the quote but the client cannot complete the application independently. The application must be completed by the agent via AAA.
+
+---
+
+## Key differences from AAA
+
+| | AAA | Microsite / Client-Initiated |
+|---|---|---|
+| Who fills the application | Agent | Client (self-serve) |
+| Philosophy | Agent is the product | Funnel is the product |
+| Optimize for | Agent productivity | Self-serve simplicity and scale |
+| Product routing | Agent selects product from quoter | PRS waterfall determines product (MicroSite); pre-filled from agent quote (Share Quote) |
+| AOR / licensing checks | Required at submission and activation | **Not required** |
+| Appointment check (PA state) | Required before app start | **Not required** |
+| License re-validation at activation | Required (IUL: live; others: bug fix in progress) | **Not required** |
+| RUW activation | Agent-mediated via e-sign | Client activates via member portal |
+| IDV / AML handling | Agent manages on behalf of client | Client self-serves |
+| Returning user flow | Agent drives | Client self-serves |
+| Architecture | Legacy (most products) or New AAA (GAWL, Beacon, TS Term) | Legacy consumer funnel (all products) |
+
+---
+
+## Compliance behavior
+
+Client-Initiated has a substantially lighter compliance footprint than AAA. These lighter rules are intentional: the agent is not acting as an intermediary in the client's transaction, so agent licensing requirements do not apply to the client's self-service actions.
+
+| Requirement | Microsite / Client-Initiated | AAA |
+|---|---|---|
+| AOR check at submission | **Not required** | Required |
+| AOR check at activation | **Not required** | Required (IUL: live; others: bug fix in progress) |
+| Agent license check (Life LOA) | **Not required** | Required |
+| Appointment check (PA state) | **Not required** | Required |
+| ToF / IDV check | Required — client self-serves | Required — agent manages |
+| AML check | Client self-serves | Agent manages (GIACT/TU or TS IDV) |
+| OFAC check | Required — automated | Required — automated |
+| RUW activation path | Client activates via member portal | Agent-mediated via e-sign |
+
+**The AAA non-IUL RUW bug fix explicitly does not apply to client-initiated applications.** Client-initiated RUW activation remains with the client via the member portal — this is the correct, intended behavior.
+
+---
+
+## AOR behavior
+
+- If the **agent is already contracted** when the client submits: the writing agent appears as AOR on policy documents
+- If the **agent is not yet contracted** when the client submits: Ethos appears as AOR (Michael Mould placeholder); no compensation block is triggered; no follow-up reminders are sent to the agent
+
+This is distinct from AAA, where the agent actively manages contracting before and during the application.
+
+---
+
+## MicroSite flow (client journey)
+
+1. Client opens the agent's referral link (`agents.ethoslife.com/invite/[agent-code]`)
+2. Client enters basic details (age, health indicators, state)
+3. PRS evaluates eligibility and routes to the appropriate product via the full waterfall
+4. Client completes the consumer application (IDV, AML, health interview, UW decision)
+5. If approved: client completes checkout (coverage selection, payment details, draft date)
+6. If RUW: client is notified and activates via the member portal when the offer is ready
+7. Client e-signs and policy activates
+
+The agent is notified of application progress through the Customers tab and lifecycle comms.
+
+---
+
+## Share Quote flow (agent → client handoff)
+
+1. Agent creates a quote in the Agent Portal (Quote & Application tab) for the client
+2. Agent enters the client's name, email, and phone — this creates a customer record in the Customers tab with status "Quote Generated"
+3. Agent shares the quote via email (system-triggered) or PDF download
+4. Client receives the quote and opens the consumer funnel link
+5. Quote details are pre-filled; client completes the application from there
+6. For AAA-only products (IUL, Sahara, Beacon): agent is notified to complete the application via AAA
+
+---
+
+## PRS routing (MicroSite entry)
+
+The MicroSite always starts at the **top of the PRS waterfall**. PRS evaluates the client in a fixed sequence:
+
+1. Recommendation rules match (channel, age, TRL/PreQual score, state, citizenship)
+2. Static eligibility filtering (PCS: age bands, state approvals, citizenship/visa/document type)
+3. Force remove / product override (if applicable)
+4. UW and cross-product eligibility (prior declines, cross-ineligibility rules)
+5. User and carrier eligibility checks (policy history, PA status, fraud flag)
+6. Carrier API eligibility (LGA, Protective/Spirit — real-time carrier check)
+7. First eligible product returned
+
+**MicroSite routing is non-sequential** — PRS can jump across product types based on UW outcomes. Examples:
+- A client starting at Prime may be rerouted to Choice, TS Term, TAWL, or GAWL based on TRL score and eligibility
+- A client with an elevated risk profile routes directly to TAWL or GAWL without seeing Prime
+
+For Share Quote, the client starts from the pre-filled product the agent selected; if they are ineligible, PRS reroutes them through the waterfall.
+
+---
+
+## Product-specific microsite behaviors
+
+### Prime (LGA / Spirit)
+
+- Client entry via MicroSite routes through PRS waterfall; Prime is presented if client TRL and health profile qualifies (TRL 1–50 for age 20–65 depending on age band)
+- If Prime is unavailable (TRL too high, age, state): PRS routes to Choice, TS Term, TAWL, or GAWL
+- Client-initiated Prime RUW: client activates via member portal (no agent involvement required)
+- APS (Attending Physician Statement) may be requested for applicants age 61+ — client is notified and must provide authorization; typically takes 20 business days
+
+### Choice (Ameritas)
+
+- Available via MicroSite and Share Quote; full client-initiated flow supported (P1 fast-follow)
+- Living Benefits (Critical, Chronic, Terminal Illness) included at no cost — same rider structure as AAA
+- DTC excluded from Choice; this is Partnerships-only via MicroSite/Share Quote
+- SoFi and CreditKarma channels excluded; those continue routing to form 3029 without LB
+- RUW: client activates via member portal
+
+### TAWL / GAWL (TruStage)
+
+- TAWL client-initiated: client self-serves through standard TruStage consumer application
+- If TAWL underwriting fails: **auto-pivot to GAWL** (guaranteed issue, no health questions)
+- GAWL deferred death benefit: first 2 years = 110% of premiums paid (accidental death only covered in full); full benefit after 2 years
+- SSN required — no ITIN support for TruStage products
+- TruStage does not return UW reasons to the client; only routing reasons are shown
+- Client-initiated TAWL/GAWL apps are **not** migrated to the new agent-first funnel — they remain on the legacy consumer experience
+- Reinstatement: policy can be reinstated without a new application if full premium is received within 70 days of paid-to date; otherwise evidence of insurability required + new 2-year contestability period
+
+### Beacon SIWL / GIWL (Banner Life)
+
+- **Share Quote available, but client cannot complete the application** — Beacon is AAA-only
+- If a client attempts to complete via Share Quote link: they are directed back to the agent to complete via AAA
+- Ethos is the TPA for Beacon: owns underwriting, billing (Stripe), eDelivery, member portal; Banner Life handles claims adjudication
+- No RUW for Beacon — all decisions instant (100%); SIWL auto-pivots to GIWL on underwriting failure
+
+### Ameritas IUL / Sahara (Accumulation IUL)
+
+- **Share Quote available, but client cannot complete the application** — both are AAA-only
+- IUL is considered too complex for direct consumer initiation; illustration compliance requires agent + applicant dual e-sign (Sahara)
+- If client receives a Share Quote link for IUL: directed back to agent to complete via AAA
+
+---
+
+## Customer records and tracking
+
+### How microsite leads appear in the Customers tab
+
+| Source | Initial status in Customers tab |
+|---|---|
+| Client submits info on agent's MicroSite | "Website Lead" |
+| Agent starts a quote, shares with client | "Quote Generated" |
+| Client or agent starts application directly | "Started" |
+
+All three sources create a customer record visible in the Customers tab. Uplines can toggle "Include all downlines" to see the full hierarchy's records.
+
+### Application statuses (pre-activation)
+
+| Status | Meaning |
+|---|---|
+| Website Lead | Client submitted info on agent's MicroSite but has not yet started an application |
+| Quote Generated | Quote created; application not yet started |
+| Started | Application partially completed |
+| Submitted | Application submitted for UW; may have additional requirements |
+| Approved | UW approved; awaiting client activation |
+| Ready for Carrier Transmission | Agent contracted and licensed; application will be transmitted to carrier by EOD |
+| Completed | All requirements done; awaiting policy to flip to Premium Paying |
+| Submitted – Decision Pending | Awaiting UW decision from TruStage |
+| Submitted for Underwriter Review | Routed to human UW (~5% of cases) |
+| Underwriting Requirements Needed | Additional UW requirements needed |
+| ETI Required | Underwriter has additional questions; client emailed online form |
+| EHR Requested | EHR requested from UW data provider (typically 8–10 business days) |
+| APS Requested | APS requested from UW partner (typically 20 business days) |
+| Disqualified | Client did not qualify for this product; offer TruStage GAWL |
+| Closed | Application closed for administrative reason |
+| Declined | Unable to offer coverage to this client |
+
+### Policy statuses (post-activation)
+
+| Status | Meaning |
+|---|---|
+| Premium Paying | Policy in good standing; coverage in force |
+| Grace Period | Most recent payment not received; policy at risk of lapse |
+| Lapsed | Coverage terminated due to lack of payment |
+| Free Look Canceled / Surrendered | Client canceled within the 30-day free look period; refund processed |
+| Rescinded | Policy rescinded due to material misrepresentation |
+| Renewal Premium Failed | Recurring payment failed; policy may lapse |
+| Term Expired | Initial term expired; insured did not renew |
+
+Full status taxonomy: see `customers/pre-submission.md` and `customers/post-submission.md` in ethos-prt.
+
+---
+
+## Lifecycle comms
+
+Transactional lifecycle communications (email + SMS) are sent to both agents and clients at key moments in the microsite/client-initiated funnel. All comms are managed through **Iterable** and follow compliance approval workflows with TruStage and internal compliance.
+
+### Comm audience prefixes
+
+- **Agent comms**: `AE-` (email) or `AS-` (SMS)
+- **Client comms**: `CE-` (email) or `CS-` (SMS)
+
+### Compliance workflow
+
+1. Copy drafted (Gretchen)
+2. PM review (Aneri/Peter)
+3. Compliance review (Anita) — issues ETH-#### code
+4. TruStage review (Lori) — issues Ad Trax code (e.g., `TAWL, GAWL, PBT-XXXXXXX.X-MMYY-MMYY`)
+5. Build in Iterable (Lavanya)
+6. Proof review (Gretchen)
+
+### Product variants in Iterable
+
+Many comms have carrier-specific versions:
+- **Non-TruStage** (generic/dynamic carrier)
+- **TruStage (TS)** — separate Iterable templates due to unique compliance disclosure footers and Ad Trax codes; TruStage footer limitation means Iterable cannot nest dynamic-in-dynamic footers
+- **IUL (Ameritas)** — separate flow with Ameritas-specific contact info
+- Magic token links used for client-facing CTAs (login, payment, application resume)
+
+### Style rules for client comms
+
+- Times: `7 a.m.–6 p.m. CT`
+- Spelling: "canceled" (not "cancelled")
+- Use "Policy number" (not "Policy ID") in client-facing comms
+- Use "Ethos portal" in client comms (not "customer portal" or "client portal")
+- Never use "activate" in client comms — replaced with "in force" or "issued"
+
+### Lifecycle performance context (Q1 2026)
+
+- 36% of transmitted policies attributed to lifecycle comms (target: 40% in Q2)
+- Weekly Pending Customer List (approved) drives highest volume of activation activity
+- New agent onboarding lifecycle comms drove portal visits in first 7 days up to 47% (from 39% in Q4 2025)
+
+---
+
+## Dependencies
+
+| System | Dependency type | Details |
+|---|---|---|
+| PRS (Product Routing Service) | Upstream — waterfall routing | Routes MicroSite applicants through full product waterfall from the top; evaluates eligibility across all active products |
+| PCS (Product Configuration Service) | Upstream — coverage, eligibility, state approvals | Required for PRS to evaluate eligibility; drives which products are available in which states |
+| Main App / Consumer Funnel | Runtime — client application surface | Legacy consumer app hosts the full client-initiated application experience |
+| Agent Config Service | Upstream — agent referral link | Stores per-agent microsite URL (agent-code) and product priority |
+| Agent Portal | Agent-facing surface | Quote creation, Share Quote entry point, Share Website link on home page |
+| PAS2 (Policy Admin System) | Downstream — policy activation | Activated policy data flows to PAS2 |
+| Member Portal | Downstream — RUW activation | Client activates RUW-approved client-initiated policies via the member portal |
+| Iterable | Downstream — lifecycle comms | Triggers email and SMS to agents and clients at key funnel events |
+| Underwriting Service | Downstream — RUW | Manual underwriting escalation for applicable products |
+| Stripe | Downstream — billing | Initial premium collected via Stripe at checkout |
+| Amplitude | Downstream — analytics | Funnel events, drop-offs, activation rates by product and entry point |
+| Twilio | Upstream — OTP / LineType | Phone OTP delivery for client IDV; mobile number type verification |
+| Persona | Upstream — document IDV | Government ID + selfie fallback when phone OTP path unavailable |
+| GIACT / TransUnion | Upstream — AML | Non-documentary AML control for Term products (client self-serves) |
+
+---
+
+## Known constraints
+
+**1. Legacy consumer funnel — no migration path planned.**
+All client-initiated flows run on the legacy consumer architecture. The new agent-first AAA experience does not extend to client-initiated. Migration to a new consumer flow is possible in the future but not on the current roadmap. New product features must be built on or compatible with the legacy consumer funnel for client-initiated scope.
+
+**2. AAA-only products cannot be completed by the client.**
+Ameritas IUL, Sahara IUL, Beacon SIWL, and Beacon GIWL are AAA-only. Agents can share quotes for these products but the client cannot complete the application. Any feature work involving these products must account for the agent handback flow.
+
+**3. No AOR, no licensing checks.**
+Client-initiated applications do not trigger AOR checks, agent license verification, or PA appointment checks at any point — submission or activation. This is intentional and must not be changed without explicit compliance review.
+
+**4. RUW activation is client-owned.**
+For client-initiated applications that go to RUW, the client activates via the member portal. There is no agent involvement in client-initiated RUW activation. This will not change as part of the non-IUL AAA bug fix.
+
+**5. MicroSite always starts at top of PRS waterfall.**
+There is no way for the agent or client to pre-select a product on MicroSite. PRS determines the product based on the client's profile. Agents cannot force a specific product on MicroSite entry.
+
+**6. TruStage client-initiated apps not on new AAA funnel.**
+TAWL and GAWL were migrated to the new agent-first AAA funnel in Q1 2026 for agent-initiated flows. Client-initiated TAWL/GAWL flows remain on the legacy consumer funnel.
+
+**7. Share Quote email compliance warning is non-dismissible.**
+The amber warning banner on the Share Quote form must not be removed or made dismissible. It is a carrier compliance requirement. Any feature touching email collection in the Share Quote flow must preserve this warning.
+
+**8. TruStage does not return UW reasons.**
+For all TruStage products (TAWL, GAWL, TS Term), UW decisions are final and non-appealable. Clients can dispute identity data via LexisNexis or Rx data via ExamOne, but TruStage does not explain specific decision reasons. This limitation applies to both AAA and client-initiated flows.
+
+**9. TAWL/GAWL SSN only — no ITIN.**
+TruStage products do not support ITIN. Clients without SSN are not eligible for TruStage products via MicroSite.
+
+**10. Choice client-initiated is P1 fast-follow — confirm status.**
+Choice full client-initiated application completion is noted as a P1 fast-follow scope item. Confirm with engineering whether this is live before including in downstream product docs.
+
+---
+
+## Needs Validation
+
+**NV-1 — Choice client-initiated launch status.**
+The source docs note client-initiated as a P1 fast-follow for Choice (Ameritas). Confirm with IPP Engineering whether the full client-initiated application flow for Choice is live in production.
+
+**NV-2 — MicroSite product catalog (which products appear).**
+It is not documented which products are shown at the top of the PRS waterfall on MicroSite vs. restricted to the agent-portal-only catalog. Confirm with Engineering and Product whether all Partnerships products are reachable via MicroSite or if some are agent-portal-only.
+
+**NV-3 — Lifecycle comms triggers for client-initiated specifically.**
+The lifecycle comms section above covers the general framework. The specific triggers, templates, and timing for client-initiated events (MicroSite lead created, quote shared, application started by client, client approved, client RUW) are not fully documented here. Confirm the active trigger set with Marketing/Iterable.
+
+**NV-4 — Foreign national eligibility on MicroSite.**
+Foreign national applicants (non-citizens, ITIN holders) routing through MicroSite face different IDV and AML paths. The full foreign national compliance matrix for client-initiated is not documented here — confirm with Engineering which visa/ITIN combinations are supported on MicroSite and whether they reach the full product waterfall or are restricted to specific products.
+
+**NV-5 — Member portal RUW activation UX.**
+The flow for a client activating a RUW-approved client-initiated policy via the member portal is not documented in the source material. Confirm with Engineering and document separately.
+
+---
+
+## Related PRD templates
+
+- **Consumer (DTC) App Experience PRD** (Layer 04 / Layer 05) — conditional PRD triggered if DTC is in scope; overlaps with client-initiated funnel
+- **Agent Assisted App Experience PRD** — primary PRD for agent-driven flows; AAA-only products reference this for Share Quote handback
+- **Lifecycle / Marketing Comms PRD** — covers lifecycle comms triggered at key funnel events including MicroSite and Share Quote
+- **UW Foundations PRD** — UW decision outcomes surfaced during client-initiated flow
+
+---
+
+## Source Documents
+
+| Document | Repo / Location | Date | Notes |
+|---|---|---|---|
+| `channels/client-initiated-microsite.md` | ethos-prt | 2026-04-06 | Primary source — MicroSite and Share Quote overview, AOR behavior, compliance. Author: Kunal Anand |
+| `agent-portal/home-page.md` | ethos-prt | 2026-04-22 | Share Website button, MicroSite link, lifecycle-driven agent activity data |
+| `agent-portal/overview.md` | ethos-prt | 2026-03-25 | Agent Portal structure, Agent Config Service, microsite URL pattern |
+| `quoter/overview.md` | ethos-prt | 2026-04-01 | Share Quote entry point from Quote & Application tab. Author: Kunal Anand |
+| `customers/customer-list.md` | ethos-prt | 2026-04-22 | Customer record sources including MicroSite leads, status taxonomy |
+| `customers/pre-submission.md` | ethos-prt | 2026-03-24 | Full application status taxonomy (pre-activation) |
+| `customers/post-submission.md` | ethos-prt | 2026-03-24 | Full policy status taxonomy (post-activation) |
+| `contracting-aor/overview.md` | ethos-prt | 2026-04-09 | AOR behavior for client-initiated (no AOR checks; Ethos as AOR if agent not contracted) |
+| `lifecycle-comms.md` | ethos-prt | 2026-03-30 | Lifecycle comms framework, Iterable, compliance workflow, Q1 2026 performance |
+| `products/tawl-gawl/overview.md` | ethos-prt | 2026-04-01 | TAWL/GAWL product details, auto-pivot behavior, client-initiated notes |
+| `products/beacon-siwl-giwl/overview.md` | ethos-prt | 2026-04-01 | Beacon AAA-only constraint, Ethos TPA model |
+| `contracting-aor/pattern.md` | ethos-prt | — | Share Quote email compliance warning pattern |
+
+## Change Log
+
+| Version | Date | Author | Summary |
+|---|---|---|---|
+| v2.0 | 2026-05-12 | Pankaj Soni | Initial draft — sourced from ethos-prt context-docs; covers MicroSite and Share Quote entry points, PRS waterfall, compliance behavior, product-specific rules, lifecycle comms, customer tracking |