# Demo: A saved choice, a periodic statement: Unused premium given back

> An insurer works out, at year end, the premium not spent on claims and gives 5 % of it. The policyholder joins the programme and picks the charity today; the insurer pays.

One variant of **A saved choice, a periodic statement**, in Banking and insurance: 5 % of the unused premium, at year end.

A made-up site, account.your-company.example, walked through screen by screen with the Charitips API calls the product makes at each step. Rebuild it in your own project to start from a working flow.

The charity choice in this demo is the Charitips [charity selection widget](https://www.charitips.com/docs/widgets/charity_selection.md), a ready-made proposal. Use it whole, use parts of it, or build your own experience from scratch with the API: [List charities](https://www.charitips.com/docs/api-reference/list-charities.md) gives the charities to show, and the calls below carry the chosen `charityId`.

Charitips widget: the charity cards and their profiles. Your own UI, built with the API: the account page, the statement and its history, the button that saves the charity and the card that confirms it.

The full guide, with edge cases: https://www.charitips.com/docs/use-cases/periodic-statement.md.

**Once, before the first customer:**

- [`POST /v1/charities-selections`](https://www.charitips.com/docs/api-reference/create-charities-selection.md) Create a charities selection: once: the charities you offer, from the catalog

  ```json
  {
    "name": "Your insurance company",
    "charityIds": [
      "<charityId>"
    ]
  }
  ```
- [`POST /v1/campaigns`](https://www.charitips.com/docs/api-reference/create-campaign.md) Create a campaign: once: the campaign the donations go to

  ```json
  {
    "name": "Your insurance company",
    "charitiesSelectionId": "<charitiesSelectionId>",
    "type": "PERMANENT",
    "amountType": "FREE_AMOUNT"
  }
  ```
- [`POST /v1/campaigns/{campaignId}/activate`](https://www.charitips.com/docs/api-reference/activate-campaign.md) Activate a campaign: once: the campaign starts taking donations

## Screens and calls

### 1. On joining the programme

- The customer picks a charity from your selection.
- Button: Choose the charity

No call: this screen only shows the result.

### 2. At the year-end review

- Button: Close the year 2026

**Your server calls:**

- [`POST /v1/donations`](https://www.charitips.com/docs/api-reference/create-donation.md) Create a donation: from your server, when it happens; amount in cents

  ```json
  {
    "campaignId": "<campaignId>",
    "amount": 2000,
    "uniqueExternalId": "giveback_policy_61207_2026",
    "externalId": "policyholder_61207",
    "charityId": "<charityId>"
  }
  ```

Charitips then sends the `donation_create` webhook to your endpoint.

## Clone it with a coding agent

```prompt
Clone the Charitips demo "A saved choice, a periodic statement: Unused premium given back" into this project. Read https://www.charitips.com/docs/demos/statement/unused-premium.md: it lists each screen and the Charitips API calls behind it. Build the same flow in this codebase, on the sandbox (https://api.sandbox.charitips.com), with my client id and secret read from environment variables, and follow the rules of https://www.charitips.com/docs/skill.md. Make every API call from the server, never from the browser. When it works, show me each call and its response.
```