Insurance Disclosures | Kota Developer Products Documentation

Insurance disclosures explain who underwrites an insurance policy and who arranges or distributes the insurance product. If you build a custom UI with Kota’s API, display the disclosures returned by the API whenever a user is viewing or acting on a specific insurance plan, quote, policy, or policy change.

If you use Kota Hosted or the Kota Embed SDK for the full user journey, Kota handles disclosure placement inside the hosted or embedded experience. Use this guide when you build custom UI around insurance journeys, render insurance cards outside the embedded surface, or use the API-only integration.

Do not hardcode provider, underwriter, intermediary, or region-specific disclosure copy in your application. Kota returns the current disclosure text in each relevant resource’s disclosures array.

Disclosure object

Disclosures are returned as DisclosureResponse objects:

1 {
2   "category": "provider",
3   "type": "underwriter_disclaimer",
4   "text": "Irish Life Health is underwritten by Irish Life Health DAC, regulated by the Central Bank of Ireland."
5 }

Field	Description
`category`	The broad disclosure category, such as `provider`, `intermediary`, or `regulatory`.
`type`	The specific disclosure type. For insurance attribution, use `underwriter_disclaimer` and `intermediary_role`.
`text`	The exact disclosure text to display to the user.

Key disclosure types

Type	Purpose	Typical placement
`underwriter_disclaimer`	Identifies the insurer responsible for underwriting the insurance product or policy.	Footer, or policy card footer when a specific policy is shown.
`intermediary_role`	Identifies the regulated entity arranging or distributing the insurance product or policy.	Footer.

If both disclosure types are returned, display both. In a footer, show the underwriter disclaimer first and the intermediary role second.

Where to retrieve disclosures

Read disclosures from the resource that powers the screen you are rendering. The disclosures array on that resource is the source of truth for the copy to display.

Journey or screen	API resource	Field
Plan selection or plan comparison	`GET /plans` or `GET /plans/{plan_id}`	`PlanResponse.disclosures`
Employer quote review or quote confirmation	`POST /group_quote_intents`, `GET /group_quote_intents/{group_quote_intent_id}`, or `GET /group_quote_intents`	`GroupQuoteIntentResponse.disclosures`
Employer setup after quote acceptance	`POST /group_policy_intents`, `GET /group_policy_intents/{group_policy_intent_id}`, or `GET /group_policy_intents`	`GroupPolicyIntentResponse.disclosures`
Employer active policy cards or policy details	`GET /group_policies` or `GET /group_policies/{group_policy_id}`	`GroupPolicyResponse.disclosures`
Employee enrolment, additional information, or opt-in confirmation	`POST /enrolment_intents`, `GET /enrolment_intents/{enrolment_intent_id}`, or `GET /enrolment_intents`	`EnrolmentIntentResponse.disclosures`
Dependent management during enrolment or policy amendment	`GET /dependents_management_intents/{dependents_management_intent_id}` and related DMI responses	`DependentsManagementIntentResponse.disclosures`
Policy amendments, including dependent changes or opt-out confirmation flows	`POST /policies/{policy_id}/policy_amendment_intents`, `GET /policies/{policy_id}/policy_amendment_intents/{policy_amendment_intent_id}`, or `GET /policies/{policy_id}/policy_amendment_intents`	`PolicyAmendmentIntentResponse.disclosures`
Employee policy cards or policy details	`GET /policies` or `GET /policies/{policy_id}`	`PolicyResponse.disclosures`

The provider list endpoints identify available providers, but they do not provide the disclosure copy for a selected insurance product. Once a plan, quote, intent, group policy, or policy is in context, use that resource’s disclosures array.

Display notes

Show insurance disclosures only when a specific insurance product, plan, quote, policy, or policy change is at play.

Decision tree for new screens

When introducing a new insurance-related screen, answer this question:

Is there a specific insurance product, plan, quote, policy, or policy change at play?

Examples include:

A single plan is being shown
A single quote is being reviewed
A single policy is being managed
A user is adding or editing dependents on a specific plan or policy
Active cover is visible

If yes, display the returned underwriter_disclaimer and intermediary_role disclosures when available.

If no, do not show insurance disclosures.

As a rule of thumb: if the user can see or act on a specific insurance product, plan, quote, policy, or policy change, show the disclosures returned for that resource. If the screen is generic or no specific insurance context is selected, show no insurance disclosures.

When to show disclosures

Show the returned underwriter_disclaimer and intermediary_role disclosures when the user can see or interact with a specific insurance product or policy context, such as:

Plan selection
Quote review
Additional information for a selected plan or policy
Adding or editing dependents for a selected plan or policy
Opt-in confirmation
Opt-out confirmation for a specific policy
Employer quote acceptance
Policy view and policy details
Active policy cards

If the API returns only one of the disclosure types, display the one returned. If the disclosures array is empty, do not render an empty disclosure area.

When to not show disclosures

Do not show insurance disclosures when there is no selected or displayed insurance product, plan, quote, policy, or provider-backed policy context, such as:

No insurance available
Opt-out success after the action is complete
Generic landing pages
Provider discovery before a plan is selected
Employer dashboards that only show setup progress without a specific plan, quote, or active policy card
Employees who have opted out and are not reviewing a specific policy action

Employee journey mapping

Page or state	Show disclosures?	Source
No insurance available	No	None
Opt-out success	No	None
Opt-out confirmation flow	Yes	`PolicyAmendmentIntentResponse.disclosures` or the related `PolicyResponse.disclosures`
Plan selection	Yes	`PlanResponse.disclosures`
Add dependents during opt-in	Yes	`EnrolmentIntentResponse.disclosures` or `DependentsManagementIntentResponse.disclosures`
Additional information	Yes	`EnrolmentIntentResponse.disclosures`
Opt-in confirmation	Yes	`EnrolmentIntentResponse.disclosures`
Dependent management after policy issuance	Yes	`PolicyAmendmentIntentResponse.disclosures`, `DependentsManagementIntentResponse.disclosures`, or `PolicyResponse.disclosures`
Policy view	Yes	`PolicyResponse.disclosures`

Employer journey mapping

Page or state	Show disclosures?	Source
Provider selection	No	None
Plan selection	Yes	`PlanResponse.disclosures`
Awaiting quote	Yes	`GroupQuoteIntentResponse.disclosures`
Confirm quote	Yes	`GroupQuoteIntentResponse.disclosures`
Gather information	Yes	`GroupPolicyIntentResponse.disclosures`
Waiting approval	Yes	`GroupPolicyIntentResponse.disclosures`
Processing	Yes	`GroupPolicyIntentResponse.disclosures`
Dashboard with setups in progress only	No	None, unless a specific plan, quote, or policy card is displayed
Dashboard with active policies	Yes	`GroupPolicyResponse.disclosures`
Policy details	Yes	`GroupPolicyResponse.disclosures`

Placement guidance

Use the page footer as the primary location for insurance disclosures. Render the underwriter disclaimer first and the intermediary role second when both are present.

Policy cards

When a card represents a specific active or pending policy, you may also render the relevant disclosure text in the card footer. This is useful when a dashboard shows multiple policies with different providers or disclosure text.

Headers and top bars

Keep persistent headers and top bars generic. For example, a header may state Insurance services powered by Kota, while the insurer and intermediary disclosure text appears in the footer or policy card footer for the selected insurance context.