F&I Product
v0.1.0A finance-and-insurance (F&I) product as either a menu item presented in the F&I office or a sold instance attached to a deal — vehicle service contracts (VSC), GAP, tire-and-wheel, prepaid maintenance, credit life/disability, and similar aftermarket coverages. Models the product catalog entry, its coverage terms, three-tier pricing (dealer cost, retail, sold), the reserve/commission economics F&I managers desk against, regulatory disclosure metadata, and the full sold-and-canceled lifecycle including chargebacks. Complements the Deal and Credit Application entities: an F&I Product references the deal, customer, vehicle, and lender by id rather than embedding them. Product structure and cancellation semantics mirror how DMS F&I modules (Reynolds, CDK, Dealertrack) and menu-selling platforms (MenuMetric, StoneEagle, Darwin) export aftermarket line items; there is no first-class ADF <finance> element for aftermarket products, so this schema standardizes the shape the DMS carries alongside the ADF deal.
fni.get_productfni.list_products{
"id": "8f3d2c1a-7b6e-4d5f-9a0b-1c2d3e4f5a6b",
"source_ids": [
{
"system": "reynolds_dms",
"id": "FNI-2026-004417",
"sequence": 1
},
{
"system": "stoneeagle_menu",
"id": "SE-VSC-99213",
"sequence": 2
}
],
"dealership_id": "a1b2c3d4-e5f6-4a7b-8c9d-0e1f2a3b4c5d",
"type": "vehicle_service_contract",
"regulatory_class": "service_contract",
"status": "sold",
"name": "Platinum Exclusionary Vehicle Service Contract",
"plan_code": "PLT-72-100",
"form_number": "VSC-TX-0324-R2",
"provider": "Zurich",
"administrator": "API Vanguard",
"underwriter": "Universal Underwriters Service Corporation",
"deal_id": "b4e5f6a7-8c9d-4e0f-a1b2-c3d4e5f6a7b8",
"customer_id": "c5d6e7f8-9a0b-4c1d-8e2f-3a4b5c6d7e8f",
"vehicle_id": "d6e7f8a9-0b1c-4d2e-9f3a-4b5c6d7e8f90",
"lender_id": "e7f8a9b0-1c2d-4e3f-a04b-5c6d7e8f9012",
"vehicle_condition": "used",
"coverage": {
"term_months": 72,
"term_miles": 100000,
"deductible": {
"amount": 100,
"currency": "USD"
},
"deductible_type": "per_visit",
"coverage_limit": {
"amount": 45000,
"currency": "USD"
},
"coverage_level": "exclusionary",
"covered_components": [
"engine",
"transmission",
"drive_axle",
"electrical",
"seals_and_gaskets"
],
"benefits": [
"roadside_assistance",
"rental_reimbursement",
"trip_interruption"
],
"start_date": "2026-06-30",
"start_odometer": 12480,
"expiration_date": "2032-06-30",
"expiration_odometer": 112480,
"waiting_period_days": 30,
"waiting_period_miles": 1000,
"transferable": true,
"cancelable": true,
"renewable": false,
"description": "Exclusionary mechanical breakdown coverage: all mechanical and electrical components covered except a short listed set of exclusions. Includes 24/7 roadside assistance, rental reimbursement, and trip interruption."
},
"pricing": {
"dealer_cost": {
"amount": 1425.5,
"currency": "USD"
},
"retail_price": {
"amount": 3495,
"currency": "USD"
},
"sold_price": {
"amount": 2795,
"currency": "USD"
},
"tax_amount": {
"amount": 0,
"currency": "USD"
},
"commission": {
"amount": 1369.5,
"currency": "USD"
},
"reserve_split_percentage": 75,
"net_profit": {
"amount": 1027.13,
"currency": "USD"
},
"markup_percentage": 96.07,
"taxable": false,
"financed": true
},
"contract_number": "ZUR-PLT-8842-01",
"menu_presentation": {
"menu_column": "platinum",
"position": 1,
"presented_price": {
"amount": 3495,
"currency": "USD"
},
"presented_at": "2026-06-30T18:20:00Z",
"e_signed": true
},
"sold_at": "2026-06-30T18:42:11Z",
"sold_by": "f8a9b0c1-2d3e-4f40-b15c-6d7e8f901234",
"created_at": "2026-06-30T17:05:00Z",
"updated_at": "2026-06-30T18:42:11Z",
"extensions": {
"stoneeagle:rate_book_id": "RB-2026Q2-EXCL",
"reynolds_dms:back_end_gross_split_pct": 25
}
}