> ## Documentation Index
> Fetch the complete documentation index at: https://docs.go.aiinsurance.io/llms.txt
> Use this file to discover all available pages before exploring further.

# Quote invoicing

> Prepare a quote's invoices before you bind it: its settings, its plan, and how they are checked

A quote owns its invoices. Before you bind it, you decide how the policy
will be invoiced, and the quote keeps that decision: its own **invoice
settings**, and the **plan** of invoices that binding will create and void.
The app's Billing step and these endpoints read and write the same record, so
a quote prepared in one looks the same in the other.

## Settings

A quote's settings are a schedule (how often installments fall due, how
many, the first due date, how many days early each is sent, whether to avoid
weekend sends, and any down payment), a payee for each policy invoice type,
and an endorsement handling.

Until you save settings on a quote, it uses your company's payment defaults,
applied to that quote: the first due date counts from the quote's effective
date, which is the policy start date for new business and renewals and the
change date for an endorsement, cancellation or reinstatement. The quote's
invoicing shows which applies in `settingsSource`. Settings you save belong to
the quote alone, on every quote type, and they stay when its plan is cleared.

Each policy invoice type's invoices are issued to a payee. A payee chosen in
the settings is used. For a type with none chosen, generating takes, in
order: the payee of the plan already on the quote; on an endorsement,
cancellation or reinstatement, the payee of the policy's current invoices of
that type; then the payee the invoice type is configured with. If none is
found, generating refuses and asks you to choose one.

## Generating or attaching a plan

There are two ways to put a plan on a quote, and either one replaces the plan
already there:

* **Generate.** The plan is built from the quote's settings and its saved
  `fullTermBillingInfo`, the way the app's Generate Invoices builds it, and
  the settings it used are saved with it.
* **Attach.** You write the plan yourself: which existing invoices to void,
  and which invoices to create. Before it is saved it gets the checks a bind
  runs, including that the invoices add up to the quote's billing, line item
  by line item.

Settings never rewrite a plan: changing them after you attach one leaves it as
you wrote it. Clearing the plan leaves the settings, ready for the next
generation.

## Endorsements, cancellations and reinstatements

A quote that changes an existing policy starts from the policy's current
invoices. Generating applies the settings' endorsement handling to them:

| Handling | What generating voids |
| - | - |
| `void` `scheduled` | Invoices not yet sent |
| `void` `owed` | Invoices sent and not yet paid |
| `void` `all` | Every invoice it can void |
| `keep` `paid`, `owed` or `all` | Every invoice except those |
| `manual` | Nothing; attach a plan to void by hand |

Paid invoices and invoices with payments are never voided. Kept invoices
count toward the new billing, so new invoices bill only what is left. When
kept paid invoices bill more than the new billing, as on a cancellation of a
paid policy, the excess is credited on the same line.

## Binding

Binding the quote uses the plan saved on it. The plan is checked again at
bind, against the policy's invoices and the quote's billing at that moment.
If an invoice the plan voids was paid or changed since the plan was saved, or
the billing moved, the bind refuses and nothing is committed: generate or
attach the plan again. Once the quote is bound or cancelled its invoicing no
longer changes (`409`). A bound quote's policy holds its invoices, and
[Update Policy Invoices](/api-reference/financials/update-policy-invoices)
changes them.

These endpoints need policy invoicing enabled for your company; otherwise
they return `403 finv2-policy-invoicing-disabled`.

## Endpoints

| What you do | Endpoint |
| - | - |
| Review the settings and plan | [Get Quote Invoicing](/api-reference/invoicing/get-quote-invoicing) |
| Choose the schedule, payees and endorsement handling | [Replace Quote Invoice Settings](/api-reference/invoicing/replace-quote-invoice-settings) |
| Generate invoices onto the quote | [Generate Quote Invoices](/api-reference/invoicing/generate-quote-invoices) |
| Attach a plan you wrote | [Attach Quote Invoice Plan](/api-reference/invoicing/attach-quote-invoice-plan) |
| Clear the plan | [Clear Quote Invoice Plan](/api-reference/invoicing/clear-quote-invoice-plan) |


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