node-express-pricing-engine
Pricing Policy
- The base cost of insurance is $100 annually.
- For every 5 years over the age of 18 years old, the base price increases by $20.
- Life insurance is only available for people over the age of 18.
- If a person lives on the East Coast of America, the cost is 5% lower.
- Females receive a $12 discount on the final price as they have a longer life expectancy.
- Certain health conditions increase the cost of insurance:
Condition | Relative cost increase
- Allergies | 1%
- Sleep Apnea | 6%
- Heart Disease | 17%
- High Cholesterol | 8%
- Asthma | 4%
Sample Input
First Name | Age | Gender | Location | Health Conditions
Kelly | 50 | female | Boston | Allergies
Josh | 40 | male | Seattle | Sleep Apnea
Jan | 30 | female | New York | Heart Disease, High Cholesterol
Brad | 20 | male | San Francisco | n/a
Petr | 10 | male | Los Angeles | Asthma
Expected Output
Kelly's policy is estimated at $199.09
Josh's policy is estimated at $190.8
Jan's policy is estimated at $154.25
Brad's policy is estimated at $100
Petr is not eligible for a life insurance policy
Objects
Policy
var Policy = function(name, baseCost, factors) { ... }
Policy Manifest
Initial stub describing the factors object to be passed into a newly instatiated Policy object:
{
eligibilityFactors : [
{ name: 'age', threshold: 18 }
],
pricingFactors: {
dollar:
[
{ name: 'age', value: 20, rules: { interval: 5, baseline: 18 } },
{ name: 'gender', value: 12, rules: { equals: 'female' } }
],
percentage:
[
{ name: 'geo', value: -.05, rules: { region: 'East Coast' } },
{ name: 'health_condition', value: .01, rules: { equals: 'Allergies' } },
{ name: 'health_condition', value: .06, rules: { equals: 'Sleep Apnea' } },
{ name: 'health_condition', value: .17, rules: { equals: 'Heart Disease' } },
{ name: 'health_condition', value: .08, rules: { equals: 'High Cholesterol' } },
{ name: 'health_condition', value: .04, rules: { equals: 'Asthma' } }
]
}
}
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