diff --git a/README.md b/README.md
index 23ee4c6..fa72240 100644
--- a/README.md
+++ b/README.md
@@ -198,47 +198,95 @@ Handles insurance estimation and underwriting requests.
 **Request Body:**
 ```json
 {
-  "uid": "application-id",
+  "uid": "string",
   "applicants": [
     {
-      "firstName": "John",
-      "dob": "15/03/1985",
-      "weight": 70,
-      "heightFt": 5,
-      "heightIn": 10,
-      "applicant": 1
+      "applicant": 1,
+      "firstName": "string",
+      "lastName": "string",
+      "midName": "string",
+      "phone": "string",
+      "gender": "male",
+      "dob": "2025-07-25",
+      "nicotine": true,
+      "weight": 0,
+      "heightFt": 0,
+      "heightIn": 0
     }
   ],
   "plans": [
     {
-      "coverage": 1
+      "id": 0,
+      "coverage": 1,
+      "tier": "string"
     }
   ],
   "phq": {
-    "effectiveDate": "01/01/2024",
-    "medications": [],
-    "conditions": [],
-    "issues": []
+    "treatment": true,
+    "invalid": true,
+    "pregnancy": true,
+    "effectiveDate": "2025-07-25",
+    "disclaimer": true,
+    "signature": "string",
+    "medications": [
+      {
+        "applicant": 0,
+        "name": "string",
+        "rxcui": "string",
+        "dosage": "string",
+        "frequency": "string",
+        "description": "string"
+      }
+    ],
+    "issues": [
+      {
+        "key": "string",
+        "details": [
+          {
+            "key": "string",
+            "description": "string"
+          }
+        ]
+      }
+    ],
+    "conditions": [
+      {
+        "key": "string",
+        "description": "string"
+      }
+    ]
   },
-  "income": 50000,
-  "address": {}
+  "income": 0,
+  "address": {
+    "address1": "string",
+    "address2": "string",
+    "city": "string",
+    "state": "string",
+    "zipcode": "string"
+  }
 }
 ```
 
 **Response:**
 ```json
 {
-  "uid": "application-id",
-  "status": "submitted",
-  "data": {
-    "results": [...],
-    "combined": {
-      "tier": 2.0,
-      "total_price": 243,
-      "dtq": false,
-      "message": "Final assigned tier is 2.0"
-    }
+  "status": "accepted",
+  "details": {
+    "dtq": true,
+    "reason": "string",
+    "tier": 0,
+    "total_price": 0
   },
-  "external": {...}
+  "results": [
+    {
+      "name": "string",
+      "applicant_type": "Primary",
+      "age": 0,
+      "bmi": 0,
+      "tier": 0,
+      "rx_spend": 0,
+      "message": "string"
+    }
+  ]
 }
 ```
\ No newline at end of file
diff --git a/src/api/v1/models.py b/src/api/v1/models.py
index 1650a5e..f1be272 100644
--- a/src/api/v1/models.py
+++ b/src/api/v1/models.py
@@ -1,5 +1,6 @@
 from pydantic import BaseModel, Field
 from typing import Optional, List, Dict, Any
+from datetime import date
 
 class InsuranceChatRequest(BaseModel):
     message: str = Field(..., description="User message")
@@ -20,19 +21,90 @@ class InsuranceChatResponse(BaseModel):
     sources: List[Source] = []
     history: List[HistoryItem] = []
 
+# New estimation models matching the specified format
+class Applicant(BaseModel):
+    applicant: int
+    firstName: str
+    lastName: str
+    midName: str
+    phone: str
+    gender: str
+    dob: date
+    nicotine: bool
+    weight: float
+    heightFt: int
+    heightIn: int
+
+class Plan(BaseModel):
+    id: int
+    coverage: int
+    tier: str
+
+class Medication(BaseModel):
+    applicant: int
+    name: str
+    rxcui: str
+    dosage: str
+    frequency: str
+    description: str
+
+class IssueDetail(BaseModel):
+    key: str
+    description: str
+
+class Issue(BaseModel):
+    key: str
+    details: List[IssueDetail]
+
+class Condition(BaseModel):
+    key: str
+    description: str
+
+class PHQ(BaseModel):
+    treatment: bool
+    invalid: bool
+    pregnancy: bool
+    effectiveDate: date
+    disclaimer: bool
+    signature: str
+    medications: List[Medication]
+    issues: List[Issue]
+    conditions: List[Condition]
+
+class Address(BaseModel):
+    address1: str
+    address2: str
+    city: str
+    state: str
+    zipcode: str
+
 class EstimationRequest(BaseModel):
-    uid: str = Field(..., description="Application unique identifier")
-    applicants: List[Dict[str, Any]] = Field(..., description="List of applicants")
-    plans: List[Dict[str, Any]] = Field(..., description="List of insurance plans")
-    phq: Dict[str, Any] = Field(..., description="Personal Health Questionnaire data")
-    income: Optional[float] = Field(0, description="Annual income")
-    address: Optional[Dict[str, Any]] = Field({}, description="Address information")
+    uid: str
+    applicants: List[Applicant]
+    plans: List[Plan]
+    phq: PHQ
+    income: float
+    address: Address
+
+class EstimationDetails(BaseModel):
+    dtq: bool
+    reason: str
+    tier: int
+    total_price: float
+
+class EstimationResult(BaseModel):
+    name: str
+    applicant_type: str
+    age: int
+    bmi: float
+    tier: int
+    rx_spend: float
+    message: str
 
 class EstimationResponse(BaseModel):
-    uid: str
     status: str
-    data: Dict[str, Any]
-    external: Optional[Dict[str, Any]] = None
+    details: EstimationDetails
+    results: List[EstimationResult]
 
 class SessionCreateResponse(BaseModel):
     session_id: str
diff --git a/src/api/v1/router.py b/src/api/v1/router.py
index 7cbcad3..0557d08 100644
--- a/src/api/v1/router.py
+++ b/src/api/v1/router.py
@@ -39,41 +39,191 @@ async def estimate(request: models.EstimationRequest):
                 detail="Missing required applicants or plans"
             )
         
-        # Step 1: Run estimation
-        underwriting_result = run_underwriting(request.applicants, request.phq, request.plans)
+        # Convert request to the format expected by run_underwriting
+        applicants_dict = []
+        for applicant in request.applicants:
+            applicants_dict.append({
+                "applicant": applicant.applicant,
+                "firstName": applicant.firstName,
+                "lastName": applicant.lastName,
+                "midName": applicant.midName,
+                "phone": applicant.phone,
+                "gender": applicant.gender,
+                "dob": applicant.dob.strftime("%d/%m/%Y"),
+                "nicotine": applicant.nicotine,
+                "weight": applicant.weight,
+                "heightFt": applicant.heightFt,
+                "heightIn": applicant.heightIn
+            })
         
-        # Step 2: If DTQ → reject application
+        phq_dict = {
+            "treatment": request.phq.treatment,
+            "invalid": request.phq.invalid,
+            "pregnancy": request.phq.pregnancy,
+            "effectiveDate": request.phq.effectiveDate.strftime("%d/%m/%Y"),
+            "disclaimer": request.phq.disclaimer,
+            "signature": request.phq.signature,
+            "medications": [
+                {
+                    "applicant": med.applicant,
+                    "name": med.name,
+                    "rxcui": med.rxcui,
+                    "dosage": med.dosage,
+                    "frequency": med.frequency,
+                    "description": med.description
+                } for med in request.phq.medications
+            ],
+            "issues": [
+                {
+                    "key": issue.key,
+                    "details": [
+                        {
+                            "key": detail.key,
+                            "description": detail.description
+                        } for detail in issue.details
+                    ]
+                } for issue in request.phq.issues
+            ],
+            "conditions": [
+                {
+                    "key": condition.key,
+                    "description": condition.description
+                } for condition in request.phq.conditions
+            ]
+        }
+        
+        plans_dict = [
+            {
+                "id": plan.id,
+                "coverage": plan.coverage,
+                "tier": plan.tier
+            } for plan in request.plans
+        ]
+        
+        # Step 1: Run estimation
+        underwriting_result = run_underwriting(applicants_dict, phq_dict, plans_dict)
+        
+        # Step 2: Check if DTQ → reject application
         if underwriting_result["combined"].get("dtq"):
+            # For DTQ cases, call external reject API and return rejected status
             reject_response = await reject_application(request.uid)
             return models.EstimationResponse(
-                uid=request.uid,
                 status="rejected",
-                data=underwriting_result,
-                external=reject_response
+                details=models.EstimationDetails(
+                    dtq=True,
+                    reason="Declined due to high-risk conditions (DTQ triggered).",
+                    tier=int(underwriting_result["combined"]["tier"]),
+                    total_price=underwriting_result["combined"]["total_price"]
+                ),
+                results=[
+                    models.EstimationResult(
+                        name=result["name"],
+                        applicant_type=result["applicant_type"],
+                        age=result["age"] or 0,
+                        bmi=result["bmi"] or 0.0,
+                        tier=int(result["tier"]),
+                        rx_spend=result["rx_spend"],
+                        message=result["message"]
+                    ) for result in underwriting_result["results"]
+                ]
             )
         
-        # Step 3: Else → assign tier and submit
+        # Step 3: Else → assign tier and submit to external API
         final_tier = underwriting_result["combined"]["tier"]
         plans = request.plans.copy()
         if plans:
-            plans[0]["tier"] = f"tier_{str(final_tier).replace('.', '_')}"
+            plans[0].tier = f"tier_{str(final_tier).replace('.', '_')}"
         
         # Assemble external payload
         submission_payload = {
-            "applicants": request.applicants,
-            "plans": plans,
-            "phq": request.phq,
+            "applicants": [
+                {
+                    "applicant": applicant.applicant,
+                    "firstName": applicant.firstName,
+                    "lastName": applicant.lastName,
+                    "midName": applicant.midName,
+                    "phone": applicant.phone,
+                    "gender": applicant.gender,
+                    "dob": applicant.dob.strftime("%d/%m/%Y"),
+                    "nicotine": applicant.nicotine,
+                    "weight": applicant.weight,
+                    "heightFt": applicant.heightFt,
+                    "heightIn": applicant.heightIn
+                } for applicant in request.applicants
+            ],
+            "plans": [
+                {
+                    "id": plan.id,
+                    "coverage": plan.coverage,
+                    "tier": plan.tier
+                } for plan in plans
+            ],
+            "phq": {
+                "treatment": request.phq.treatment,
+                "invalid": request.phq.invalid,
+                "pregnancy": request.phq.pregnancy,
+                "effectiveDate": request.phq.effectiveDate.strftime("%d/%m/%Y"),
+                "disclaimer": request.phq.disclaimer,
+                "signature": request.phq.signature,
+                "medications": [
+                    {
+                        "applicant": med.applicant,
+                        "name": med.name,
+                        "rxcui": med.rxcui,
+                        "dosage": med.dosage,
+                        "frequency": med.frequency,
+                        "description": med.description
+                    } for med in request.phq.medications
+                ],
+                "issues": [
+                    {
+                        "key": issue.key,
+                        "details": [
+                            {
+                                "key": detail.key,
+                                "description": detail.description
+                            } for detail in issue.details
+                        ]
+                    } for issue in request.phq.issues
+                ],
+                "conditions": [
+                    {
+                        "key": condition.key,
+                        "description": condition.description
+                    } for condition in request.phq.conditions
+                ]
+            },
             "income": request.income,
-            "address": request.address
+            "address": {
+                "address1": request.address.address1,
+                "address2": request.address.address2,
+                "city": request.address.city,
+                "state": request.address.state,
+                "zipcode": request.address.zipcode
+            }
         }
         
         submit_response = await submit_application(submission_payload)
         
         return models.EstimationResponse(
-            uid=request.uid,
-            status="submitted",
-            data=underwriting_result,
-            external=submit_response
+            status="accepted",
+            details=models.EstimationDetails(
+                dtq=False,
+                reason=underwriting_result["combined"]["message"],
+                tier=int(underwriting_result["combined"]["tier"]),
+                total_price=underwriting_result["combined"]["total_price"]
+            ),
+            results=[
+                models.EstimationResult(
+                    name=result["name"],
+                    applicant_type=result["applicant_type"],
+                    age=result["age"] or 0,
+                    bmi=result["bmi"] or 0.0,
+                    tier=int(result["tier"]),
+                    rx_spend=result["rx_spend"],
+                    message=result["message"]
+                ) for result in underwriting_result["results"]
+            ]
         )
         
     except HTTPException:
@@ -101,4 +251,7 @@ async def submit_application(application_payload: Dict[str, Any]) -> Dict[str, A
             f"{settings.INSURANCE_API_BASE_URL}/applications/submit",
             json=application_payload
         )
-        return response.json() if response.status_code == 200 else {"error": "Failed to submit application"} 
\ No newline at end of file
+        return response.json() if response.status_code == 200 else {"error": "Failed to submit application"}
+
+
+ 
\ No newline at end of file
diff --git a/src/examples/example_usage.py b/src/examples/example_usage.py
index 16d2ab8..27ed34e 100644
--- a/src/examples/example_usage.py
+++ b/src/examples/example_usage.py
@@ -128,23 +128,45 @@ async def test_estimation():
         "uid": "test-application-123",
         "applicants": [
             {
+                "applicant": 1,
                 "firstName": "John",
-                "dob": "15/03/1985",
-                "weight": 70,
+                "lastName": "Doe",
+                "midName": "M",
+                "phone": "555-123-4567",
+                "gender": "male",
+                "dob": "1985-03-15",
+                "nicotine": False,
+                "weight": 70.0,
                 "heightFt": 5,
-                "heightIn": 10,
-                "applicant": 1
+                "heightIn": 10
+            }
+        ],
+        "plans": [
+            {
+                "id": 1,
+                "coverage": 1,
+                "tier": "tier_1"
             }
         ],
-        "plans": [{"coverage": 1}],
         "phq": {
-            "effectiveDate": "01/01/2024",
+            "treatment": False,
+            "invalid": False,
+            "pregnancy": False,
+            "effectiveDate": "2024-01-01",
+            "disclaimer": True,
+            "signature": "John Doe",
             "medications": [],
-            "conditions": [],
-            "issues": []
+            "issues": [],
+            "conditions": []
         },
-        "income": 50000,
-        "address": {}
+        "income": 50000.0,
+        "address": {
+            "address1": "123 Main St",
+            "address2": "Apt 4B",
+            "city": "New York",
+            "state": "NY",
+            "zipcode": "10001"
+        }
     }
     
     async with httpx.AsyncClient() as client:
@@ -153,8 +175,18 @@ async def test_estimation():
             if response.status_code == 200:
                 data = response.json()
                 print(f"✅ Estimation successful!")
-                print(f"Application ID: {data['uid']}")
                 print(f"Status: {data['status']}")
+                print(f"Details:")
+                print(f"  DTQ: {data['details']['dtq']}")
+                print(f"  Tier: {data['details']['tier']}")
+                print(f"  Total Price: ${data['details']['total_price']}")
+                print(f"  Reason: {data['details']['reason']}")
+                print(f"Results:")
+                for i, result in enumerate(data['results'], 1):
+                    print(f"  Applicant {i}: {result['name']} ({result['applicant_type']})")
+                    print(f"    Age: {result['age']}, BMI: {result['bmi']}")
+                    print(f"    Tier: {result['tier']}, Rx Spend: ${result['rx_spend']}")
+                    print(f"    Message: {result['message']}")
             else:
                 print(f"❌ Estimation failed with status {response.status_code}")
                 print(f"Error: {response.text}")