> For clean Markdown of any page, append .md to the page URL. > For a complete documentation index, see https://docs.kota.io/llms.txt. > For AI client integration (Claude Code, Cursor, etc.), connect to the MCP server at https://docs.kota.io/_mcp/server. # Insurance Disclosures > Retrieve and display insurance disclosure text in Kota-powered journeys 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. > **Info** > > 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: ```json { "category": "provider", "type": "underwriter_disclaimer", "title": "About your insurer", "text": "Irish Life Health is underwritten by Irish Life Health DAC, regulated by the Central Bank of Ireland." } ``` | 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`. | | `title` | The heading to display above the disclosure text. | | `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` | > **Note** > > 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 ### Footer 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.