pending or pending_rfi submission and a policy with pre-flight checks enabled; otherwise the request returns 422 with Submission status must be pending or pending_rfi or Policy has no instant submission checks enabled. Contact support@niva.co to enable pre-flight checks on your policy.validation_status other than valid does not prevent you from running the submission; it tells you what the full analysis is likely to find, so you can decide whether to resolve it first. Call it at a point in your onboarding flow where a short wait is acceptable, for example right after the applicant finishes uploading documents.