---
url: /features/premium-payments.md
---
# Premium Payments

The premium resource covers all payment data associated with a life insurance contract. Every premium request must include the `payer` details and the allocation under Self-Invested management mode. Two types of premium payment are supported.

## Single premium request (versement libre)

A one-off, discretionary payment made at any time by the policyholder. The amount and allocation are defined at the time of the request.

## Recurring premium request (versement programmé)

A scheduled payment set up at a defined frequency (monthly, quarterly, annually). The payer and allocation are configured once and applied automatically at each occurrence. Multiple recurring premiums can coexist on the same contract — each with its own payer, frequency, amount, and allocation.

## Validation rules

* Allocation amounts must sum to 10000 basis points, with no duplicate instrument.
* Each allocation instrument must be eligible for the compartment's product.
* A single premium's allocation is locked once the premium is invested.
* A recurring premium's periodicity unit, value, and day-of-month must be valid.

## Safe retries

Creating a single premium request, cancelling a single premium request, creating a recurring premium request and cancelling a recurring premium request accept the optional `X-Quarzo-Life-Idempotency-Key` header. A retry with the same key and request returns the original response without executing the operation again, and the same key with a different request returns `409 IDEMPOTENCY_KEY_CONFLICT`. Requests without the header behave as before.

## Related

* [Premium](/topics/start-building/premium)
* [Payers & Personal IBANs](/features/payers-and-ibans)
* [Money](/topics/money)
* [Error Handling → Premium & Allocation errors](/errors/)