diff --git a/rag/equitable_dental_plan_class_1.txt b/rag/equitable_dental_plan_class_1.txt
new file mode 100644
index 0000000..5b5231c
--- /dev/null
+++ b/rag/equitable_dental_plan_class_1.txt
@@ -0,0 +1,74 @@
+PLAN: Equitable Dental Plan - Class 1
+UID: Equitable Dental Plan - Class 1
+Category: Dental
+Type: None
+Marketing Name: Equitable Dental - Class 1
+Average Price: $65.64
+Short Description: Essential dental coverage for preventive care including exams, cleanings, and X-rays. Great for maintaining a healthy smile on a budget.
+
+Long Description: The Class I dental plan offers essential preventive coverage designed to help you maintain good oral health. This includes 100% coverage (in-network) for routine exams, cleanings, and bitewing X-rays twice per year, with no deductible. It’s an affordable way to stay proactive with your dental care and avoid unexpected issues.
+
+
+PRICING:
+  Coverage 1: $28.11
+  Coverage 2: $55.68
+  Coverage 3: $75.62
+  Coverage 4: $103.18
+
+DETAILS:
+
+COVERAGE:
+  Coinsurance - In Network: 100% – Preventive care (like cleanings, exams, and X-rays).80% – Basic care (like fillings and simple extractions).50% – Major care (like crowns, dentures, and root canals).
+  Coinsurance - Out of Network: 100% – Preventive care (like cleanings, exams, and X-rays). 80% – Basic care (like fillings and simple extractions). 50% – Major care (like crowns, dentures, and root canals).
+  Missing Tooth Clause - In Network: Pre-existing missing teeth not covered
+  Missing Tooth Clause - Out ofNetwork: Pre-existing missing teeth not covered
+  Annual Individual Maxium Benefit - In Network: 1000
+  Annual Individual Maxium Benefit - Out of Network: 1000
+  Annual Individual / Family Deductible - In  Network: $50 deductible per person For a family, you only have to pay it for 3 people max (so $150 total), even if more are covered and preventive services are free.
+  Annual Individual / Family Deductible - Out of Network: $50 deductible per person For a family, you only have to pay it for 3 people max (so $150 total), even if more are covered and preventive services are free.
+  Reimbursement  (how much the insurance company pays thef or care) - In Network: Agreed Rate
+  Reimbursement  (how much the insurance company pays thef or care) - Out of Network: 	Fixed Coverage Amount
+  Alternative Benefit (If two treatments would fix the problem, the plan pays for the less expensive one) - In Network: Included
+  Alternative Benefit (If two treatments would fix the problem, the plan pays for the less expensive one) - Out of Network: Included
+
+BASICSERVICES:
+  Simple Extractions - In Network: 80%
+  Simple Extractions - Out of Network: 80%
+  Periodontal Maintenance - In Network: 80%
+  Periodontal Maintenance - Out of Network: 80%
+  Emergency Palliative Treatment - In Network: 80%
+  Complete Series/ Panoramic X-Rays - In Network: 80%
+  Emergency Palliative Treatment - Out of Network: 80%
+  Complete Series/ Panoramic X-Rays - Out of Network: 80%
+  Basic Restorative Services (amalgam, composite resin, acrylic, synthetic or plastic fillings) - In Network: 80%
+  Basic Restorative Services (amalgam, composite resin, acrylic, synthetic or plastic fillings) - Out of Network: 80%
+
+MAJORSERVICES:
+  Bridges - In Network: 50%
+  Bridges - Out of Network: 50%
+  Oral Surgery - In Network: 50%
+  Bitewing X-Rays - In Network: 50%
+  Oral Surgery - Out of Network: 50%
+  Bitewing X-Rays - Out of Network: 50%
+  Periodontal Surgery - In Network: 50%
+  Inlays/Onlays/Crowns - In Network: 50%
+  Surgical Endodontics - In Network: 50%
+  Periodontal Surgery - Out of Network: 50%
+  Inlays/Onlays/Crowns - Out of Network: 50%
+  Non-Surgical Endodontics - In Network: 50%
+  Non-Surgical Periodontal - In Network: 50%
+  Surgical Endodontics - Out of Network: 50%
+  Non-Surgical Endodontics - Out of Network: 50%
+  Non-Surgical Periodontal - Out of Network: 50%
+  Surgical Extractions and Removal of Impacted Teeth - In Network: 80%
+  Surgical Extractions and Removal of Impacted Teeth - Out of Network: 50%
+  Dentures – complete, partial, overdenture (upper and lower) - In Network: 50%
+  Dentures – complete, partial, overdenture (upper and lower) - Out of Network: 50%
+
+PREVENTIVESERVICES:
+  Periodic Oral Evaluation - In Network: 100%
+  Periodic Oral Evaluation - Out of Network: 100%
+  Comprehensive Oral Evaluation - In Network: 100%
+  Comprehensive Oral Evaluation - Out of Network: 100%
+  Limited Oral Evaluation (problem focused) - In Network: 100%
+  Limited Oral Evaluation (problem focused) - Out of Network: 100%
diff --git a/rag/equitable_dental_plan_class_2.txt b/rag/equitable_dental_plan_class_2.txt
new file mode 100644
index 0000000..d4a1c77
--- /dev/null
+++ b/rag/equitable_dental_plan_class_2.txt
@@ -0,0 +1,72 @@
+PLAN: Equitable Dental Plan - Class 2
+UID: Equitable Dental Plan - Class 2
+Category: Dental
+Type: None
+Marketing Name: Equitable Dental - Class2
+Average Price: $77.90
+Short Description: Expanded dental coverage including preventive and basic restorative services like fillings and extractions.
+Long Description: The Class II dental plan builds on the preventive care of Class I and adds basic restorative services such as fillings, simple extractions, and emergency treatment for pain relief. Preventive services are covered at 100% in-network, and basic services are covered at 80% after a $50 annual deductible. This plan is ideal if you want broader protection and help managing more than just routine dental care.
+
+PRICING:
+  Coverage 1: $32.87
+  Coverage 2: $65.12
+  Coverage 3: $90.68
+  Coverage 4: $122.93
+
+DETAILS:
+
+COVERAGE:
+  Coinsurance - In Network: 100% – Preventive care (like cleanings, exams, and X-rays).80% – Basic care (like fillings and simple extractions).50% – Major care (like crowns, dentures, and root canals).
+  Coinsurance - Out of Network: 100% – Preventive care (like cleanings, exams, and X-rays). 80% – Basic care (like fillings and simple extractions). 50% – Major care (like crowns, dentures, and root canals).
+  Missing Tooth Clause - In Network: Pre-existing missing teeth not covered
+  Missing Tooth Clause - Out ofNetwork: Pre-existing missing teeth not covered
+  Annual Individual Maxium Benefit - In Network: 2000
+  Annual Individual Maxium Benefit - Out of Network: 2000
+  Annual Individual / Family Deductible - In  Network: $50 deductible per person For a family, you only have to pay it for 3 people max (so $150 total), even if more are covered and preventive services are free.
+  Annual Individual / Family Deductible - Out of Network: $50 deductible per person For a family, you only have to pay it for 3 people max (so $150 total), even if more are covered and preventive services are free.
+  Reimbursement  (how much the insurance company pays thef or care) - In Network: Agreed Rate
+  Reimbursement  (how much the insurance company pays thef or care) - Out of Network: 	Fixed Coverage Amount
+  Alternative Benefit (If two treatments would fix the problem, the plan pays for the less expensive one) - In Network: Included
+  Alternative Benefit (If two treatments would fix the problem, the plan pays for the less expensive one) - Out of Network: Included
+
+BASICSERVICES:
+  Simple Extractions - In Network: 80%
+  Simple Extractions - Out of Network: 80%
+  Periodontal Maintenance - In Network: 80%
+  Periodontal Maintenance - Out of Network: 80%
+  Emergency Palliative Treatment - In Network: 80%
+  Complete Series/ Panoramic X-Rays - In Network: 80%
+  Emergency Palliative Treatment - Out of Network: 80%
+  Complete Series/ Panoramic X-Rays - Out of Network: 80%
+  Basic Restorative Services (amalgam, composite resin, acrylic, synthetic or plastic fillings) - In Network: 80%
+  Basic Restorative Services (amalgam, composite resin, acrylic, synthetic or plastic fillings) - Out of Network: 80%
+
+MAJORSERVICES:
+  Bridges - In Network: 50%
+  Bridges - Out of Network: 50%
+  Oral Surgery - In Network: 50%
+  Bitewing X-Rays - In Network: 50%
+  Oral Surgery - Out of Network: 50%
+  Bitewing X-Rays - Out of Network: 50%
+  Periodontal Surgery - In Network: 50%
+  Inlays/Onlays/Crowns - In Network: 50%
+  Surgical Endodontics - In Network: 50%
+  Periodontal Surgery - Out of Network: 50%
+  Inlays/Onlays/Crowns - Out of Network: 50%
+  Non-Surgical Endodontics - In Network: 50%
+  Non-Surgical Periodontal - In Network: 50%
+  Surgical Endodontics - Out of Network: 50%
+  Non-Surgical Endodontics - Out of Network: 50%
+  Non-Surgical Periodontal - Out of Network: 50%
+  Surgical Extractions and Removal of Impacted Teeth - In Network: 80%
+  Surgical Extractions and Removal of Impacted Teeth - Out of Network: 50%
+  Dentures – complete, partial, overdenture (upper and lower) - In Network: 50%
+  Dentures – complete, partial, overdenture (upper and lower) - Out of Network: 50%
+
+PREVENTIVESERVICES:
+  Periodic Oral Evaluation - In Network: 100%
+  Periodic Oral Evaluation - Out of Network: 100%
+  Comprehensive Oral Evaluation - In Network: 100%
+  Comprehensive Oral Evaluation - Out of Network: 100%
+  Limited Oral Evaluation (problem focused) - In Network: 100%
+  Limited Oral Evaluation (problem focused) - Out of Network: 100%
diff --git a/rag/equitable_hospital_indemnity_high_plan.txt b/rag/equitable_hospital_indemnity_high_plan.txt
new file mode 100644
index 0000000..0807981
--- /dev/null
+++ b/rag/equitable_hospital_indemnity_high_plan.txt
@@ -0,0 +1,29 @@
+PLAN: Equitable Hospital Indemnity - High Plan
+UID: Equitable Hospital Indemnity - High Plan
+Category: Hospital Indemnity
+Type: None
+Marketing Name: Equitable Hospital Indemnity Benefit - High Plan
+Average Price: $87.01
+Short Description: Enhanced coverage with higher daily payments and stronger support for ICU stays, emergencies, and family-related travel.
+Long Description: The High Hospital Indemnity Plan offers more robust protection for serious medical events. It pays $2,000 for the first day in the hospital, $300 per day for regular stays, and $500 per day in the ICU—plus enhanced benefits for maternity, rehabilitation, wellness screenings, accident-related ER visits, and well-baby nursery care. It also includes increased reimbursements for family lodging, transportation, and caregiving expenses. This plan is ideal for those seeking greater peace of mind when facing potential hospital-related costs.
+
+PRICING:
+  Coverage 1: $45.65
+  Coverage 2: $96.54
+  Coverage 3: $77.48
+  Coverage 4: $128.37
+
+DETAILS:
+
+BENEFITS:
+  Daily Lodging - Benefit Amount: $200, up to 5 days per year
+  Daily Family Care - Benefit Amount: $200, up to 5 days per year
+  First Day Hospital - Benefit Amount: $2,000, once a per year
+  Daily Transportation - Benefit Amount: $200, up to 5 days per year
+  Annual Wellness Screening - Benefit Amount: $50, once per year per insured
+  Daily Hospital Confinement - Benefit Amount: $300, up to 31 days per year
+  Daily Hospital ICU Confinement - Benefit Amount: $500, up to 10 days per year
+  Daily Hospital Rehabilitation Unit - Benefit Amount: $100, up to 60 days per year
+  Daily Well Baby Nursery Confinement - Benefit Amount: $200, up to 60 days per year
+  Emergency Room Treatment (accident only) - Benefit Amount: 200
+  First Day Hospital Intensive Care Unit (ICU) Confinement - Benefit Amount: $4,000, once a per year
diff --git a/rag/equitable_hospital_indemnity_low_plan.txt b/rag/equitable_hospital_indemnity_low_plan.txt
new file mode 100644
index 0000000..eae11b4
--- /dev/null
+++ b/rag/equitable_hospital_indemnity_low_plan.txt
@@ -0,0 +1,31 @@
+PLAN: Equitable Hospital Indemnity - Low Plan
+UID: Equitable Hospital Indemnity - Low Plan
+Category: Hospital Indemnity
+Type: None
+Marketing Name: Equitable Hospital Indemnity Benefit - Low Plan
+Average Price: $46.06
+Short Description: Helps cover basic out-of-pocket costs during a hospital stay, including daily payments, wellness screenings, and accident-related ER visits.
+
+
+Long Description: The Low Hospital Indemnity Plan provides essential financial protection in the event of a hospital stay. It pays you a fixed amount per day you’re hospitalized—including $1,000 for your first hospital day, $200 per day for regular stays, and $400 per day for ICU stays. Additional benefits include wellness screening payouts, emergency accident coverage, and limited support for lodging, transportation, and family care. This plan offers a straightforward safety net for medical-related interruptions without deductibles or networks.
+
+PRICING:
+  Coverage 1: $22.44
+  Coverage 2: $51.51
+  Coverage 3: $41.62
+  Coverage 4: $68.69
+
+DETAILS:
+
+BENEFITS:
+  Daily Lodging - Benefit Amount: $100, up to 5 days per year
+  Daily Family Care - Benefit Amount: $100, up to 5 days per year
+  First Day Hospital - Benefit Amount: $1,000, once a per year
+  Daily Transportation - Benefit Amount: $100, up to 5 days per year
+  Annual Wellness Screening - Benefit Amount: $50, once per year per insured
+  Daily Hospital Confinement - Benefit Amount: $200, up to 31 days per year
+  Daily Hospital ICU Confinement - Benefit Amount: $400, up to 10 days per year
+  Daily Hospital Rehabilitation Unit - Benefit Amount: $50, up to 60 days per year
+  Daily Well Baby Nursery Confinement - Benefit Amount: $100, up to 60 days per year
+  Emergency Room Treatment (accident only) - Benefit Amount: 100
+  First Day Hospital Intensive Care Unit (ICU) Confinement - Benefit Amount: $2,000, once a per year
diff --git a/src/api/v1/models.py b/src/api/v1/models.py
index f1be272..f7a7cc4 100644
--- a/src/api/v1/models.py
+++ b/src/api/v1/models.py
@@ -26,8 +26,8 @@ class Applicant(BaseModel):
     applicant: int
     firstName: str
     lastName: str
-    midName: str
-    phone: str
+    midName: Optional[str] = Field("", description="Middle name")
+    phone: Optional[str] = Field("", description="Phone number")
     gender: str
     dob: date
     nicotine: bool
@@ -38,7 +38,7 @@ class Applicant(BaseModel):
 class Plan(BaseModel):
     id: int
     coverage: int
-    tier: str
+    tier: Optional[str] = Field(None, description="Tier assignment")
 
 class Medication(BaseModel):
     applicant: int
@@ -72,14 +72,14 @@ class PHQ(BaseModel):
     conditions: List[Condition]
 
 class Address(BaseModel):
-    address1: str
-    address2: str
-    city: str
-    state: str
-    zipcode: str
+    address1: Optional[str] = Field("", description="Address line 1")
+    address2: Optional[str] = Field("", description="Address line 2")
+    city: Optional[str] = Field("", description="City")
+    state: Optional[str] = Field("", description="State")
+    zipcode: Optional[str] = Field("", description="Zip code")
 
 class EstimationRequest(BaseModel):
-    uid: str
+    uid: Optional[str] = Field(None, description="Unique identifier")
     applicants: List[Applicant]
     plans: List[Plan]
     phq: PHQ
diff --git a/src/api/v1/router.py b/src/api/v1/router.py
index c5d9e81..0680a6f 100644
--- a/src/api/v1/router.py
+++ b/src/api/v1/router.py
@@ -106,7 +106,8 @@ async def estimate(request: models.EstimationRequest):
         # 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)
+            if request.uid:
+                reject_response = await reject_application(request.uid)
             return models.EstimationResponse(
                 status="rejected",
                 details=models.EstimationDetails(
diff --git a/src/services/chat_service.py b/src/services/chat_service.py
index 408ea4e..dea098d 100644
--- a/src/services/chat_service.py
+++ b/src/services/chat_service.py
@@ -100,22 +100,15 @@ class ChatService:
     async def process_insurance_chat(self, message: str, session_id: Optional[str] = None) -> Dict[str, Any]:
         """Process an insurance chat request"""
         try:
-            # Create session if not provided
             if not session_id:
                 session_id = await session_service.create_session()
             
-            # Validate session if provided
             elif not await session_service.validate_session(session_id):
-                # Create new session if invalid
                 session_id = await session_service.create_session()
             
-            # Send message to talestorm-ai
             chat_response = await self.send_message(session_id, message)
-            
-            # Get chat history
             history = await self.get_chat_history(session_id)
             
-            # Extract sources from the response (placeholder for RAG implementation)
             sources = self._extract_sources_from_response(chat_response.get("message", ""))
             
             return {
diff --git a/src/services/session_service.py b/src/services/session_service.py
index bed3474..3c177ad 100644
--- a/src/services/session_service.py
+++ b/src/services/session_service.py
@@ -56,29 +56,16 @@ class SessionService:
     async def create_session(self, agent_id: Optional[str] = None) -> Optional[str]:
         """Create a new chat session in talestorm-ai"""
         async with await self.get_client() as client:
-            try:
-                # Use provided agent_id, then configured agent_id, then fallback to default
-                if not agent_id:
-                    if self.agent_id:
-                        agent_id = self.agent_id
-                    else:
-                        default_agent = await self.get_default_agent()
-                        if not default_agent:
-                            # Create a simple session ID for now
-                            return str(uuid.uuid4())
-                        agent_id = str(default_agent["id"])
-                
-                # Create session with talestorm-ai
-                response = await client.post("/sessions/", params={"agent_id": agent_id})
-                if response.status_code == 200:
-                    session_data = response.json()
-                    return str(session_data["id"])
+            if not agent_id:
+                if self.agent_id:
+                    agent_id = self.agent_id
                 else:
-                    # Fallback to local session ID
-                    return str(uuid.uuid4())
-            except Exception:
-                # Fallback to local session ID
-                return str(uuid.uuid4())
+                    agent_id = settings.TALESTORM_AGENT_ID
+            
+            response = await client.post("/sessions/", params={"agent_id": agent_id})
+            session_data = response.json()
+            return str(session_data["id"])
+
     
     async def get_session(self, session_id: str) -> Optional[Dict[str, Any]]:
         """Get session details from talestorm-ai"""