Afficiency

Afficiency is a New York-based insurtech that designs, digitally underwrites and issues life insurance products on behalf of carrier and reinsurance partners, and distributes them through a 100% digital, API-first platform. Its product suite spans level term, final expense whole life, participating whole life, indexed universal life and annual renewable term, all issued without a medical exam and with instant underwriting decisions in a single session. Partners integrate through one of three models — a hosted white-label storefront, a direct REST API integration covering the full quote-to-policy-issue journey, or a hybrid of the two — which lets agencies, P&C agents, financial advisors, worksite and affinity channels and embedded fintech partners offer life insurance inside their own customer journeys. Afficiency states it is SOC 2 Type II certified. Its REST API suite is marketed publicly, but the reference and any machine-readable contract are reachable only through the customer support portal or a sales conversation.

Afficiency is profiled on the APIs.io network. Tagged areas include Company, Insurance, Life Insurance, Insurtech, and Embedded Insurance.

Afficiency’s developer surface includes support, FAQ, product news, and 16 more developer resources.

🌐 Visit website 📡 Source on GitHub

14.5/100 emerging ▬ flat Agent 5/100 human only Front door AI 1/6 silent Full breakdown ↓
scored 2026-09-25 · rubric v0.23.0

0 APIs

Company Insurance Life Insurance Insurtech Embedded Insurance Underwriting Financial Services Policy Administration

Kin Score

Kin Score How this is scored →
scored 2026-09-25 · rubric v0.23.0

Composite quality — 14.5/100 · emerging

Contract Quality 0.0 / 21

Developer Ergonomics 0.8 / 17

Access Clarity 4.9 / 17

Operational Transparency 0.0 / 11

Contract Governance 1.9 / 10

Discoverability 4.2 / 9

Regulatory Posture 3.2 / 15

Agent readiness — 5/100 · human only

Machine-Readable Contract 0 / 18

Agentic Access Contract 0 / 10

Documented Reversibility 0 / 6

MCP Server 0 / 12

Machine-Readable Auth 0 / 10

Idempotency 0 / 9

Stable Error Semantics 0 / 8

Request/Response Examples 0 / 7

Rate-Limit Signaling 7 / 7

Typed Event Surface 0 / 6

Agent Skills 0 / 5

Well-Known Catalog 0 / 4

Consent & Bot Identity 3 / 3

A2A Agent Card 0 / 8

Dry-Run / Simulate Mode 0 / 4

Delegated User Identity 0 / 6

Protected Resource Metadata 0 / 5

Registration Without a Human 0 / 6

Agentic Commerce Well-Known Document 0 / 5

Regulatory Posture applies to this provider. Its tags matched the Insurance regime, so Regulatory Posture carries 15 points of the composite. If this regime is wrong for your business, say so on your provider repo — the applicability map is public and we will correct it.

Create-or-Update Ergonomics could not be measured. We hold no machine-readable contract for this provider to read, so there is nothing to measure a write surface against. Excluded rather than scored zero: never-measured and measured-empty are different facts. Publishing an OpenAPI is what makes this facet — and several others — scorable at all.

The six quality facets above are damped to 85 points between them, because the conditional facet above carries the other 15. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 85% of its nominal weight, not 100%. The full arithmetic is at apis.io/rating/.

Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. Every facet and dimension name above is a link: it opens that measurement's own page — what it means, the exact checks that feed it, how the whole catalog distributes on it, and the providers at the top of it. This rating is computed from github.com/api-evangelist/afficiency: open an issue to ask a question, or submit a pull request to add artifacts. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

Pricing Plans 1

Published pricing tiers and plan structures.

Afficiency Plans Pricing

0 plans

PLANS

Rate Limits 1

Documented rate limits and quota policies.

Afficiency Rate Limits

0 limits

RATE LIMITS

Security Posture 1

Authentication, domain security, vulnerability disclosure, and trust-center signals.

Afficiency Domain Security

TLSv1.3 · DMARC

SECURITY

Resources

Agent Surfaces 1

MCP servers, agent skills, and machine-readable catalogs

LLMsTxt

LLMsTxt

Design & Contract 1

Pagination, idempotency, versioning, errors, and events

Conformance

Conformance

Build 2

SDKs, sample code, and the tooling you integrate with

Integration

Integration

Packages

Packages

Access & Security 2

Authentication, authorization, and security posture

DomainSecurity

DomainSecurity

Compliance

Compliance

Operate 4

Status, limits, changes, and where to get help

Support

FAQ

Contact

RateLimits

Commercial 3

Pricing, plans, and the legal terms of use

TermsOfService

TermsOfService

PrivacyPolicy

PrivacyPolicy

Plans

Plans

Company 5

The organization behind the API

Website

News

About

Careers

LinkedIn

Other 1

Properties that don't map to a standard resource type

ContentSignal

ContentSignal

Source (apis.yml)

aid: afficiency
name: Afficiency
description: Afficiency is a New York-based insurtech that designs, digitally underwrites and issues life insurance products
  on behalf of carrier and reinsurance partners, and distributes them through a 100% digital, API-first platform. Its product
  suite spans level term, final expense whole life, participating whole life, indexed universal life and annual renewable
  term, all issued without a medical exam and with instant underwriting decisions in a single session. Partners integrate
  through one of three models — a hosted white-label storefront, a direct REST API integration covering the full quote-to-policy-issue
  journey, or a hybrid of the two — which lets agencies, P&C agents, financial advisors, worksite and affinity channels and
  embedded fintech partners offer life insurance inside their own customer journeys. Afficiency states it is SOC 2 Type II
  certified. Its REST API suite is marketed publicly, but the reference and any machine-readable contract are reachable only
  through the customer support portal or a sales conversation.
image: https://www.afficiency.com/images/logos/globalLogo.svg
url: https://raw.githubusercontent.com/api-evangelist/afficiency/refs/heads/main/apis.yml
x-type: company
x-source: harvest:secondary-market
specificationVersion: '0.20'
created: '2026-09-12'
modified: '2026-09-12'
tags:
- Company
- Insurance
- Life Insurance
- Insurtech
- Embedded Insurance
- Underwriting
- Financial Services
- Policy Administration
tags_raw:
- Company
- Insurance
- Life Insurance
- Insurtech
- Embedded Insurance
- Underwriting
- Financial Services
- Policy Administration
- Financial-Services
apis: []
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: DomainSecurity
  url: security/afficiency-domain-security.yml
- type: Website
  url: https://www.afficiency.com/
- type: Integration
  url: https://www.afficiency.com/how-afficiency-can-work-for-you/
- type: Support
  url: https://www.afficiency.com/customer-support/
- type: FAQ
  url: https://www.afficiency.com/frequently-asked-questions/
- type: News
  url: https://www.afficiency.com/press-room/
- type: About
  url: https://www.afficiency.com/meet-the-team/
- type: Careers
  url: https://www.afficiency.com/careers/
- type: Contact
  url: https://www.afficiency.com/contact-us/
- type: TermsOfService
  url: https://www.afficiency.com/terms-of-service/
- type: PrivacyPolicy
  url: https://www.afficiency.com/privacy-policy/
- type: LinkedIn
  url: https://www.linkedin.com/company/afficiency
- type: Conformance
  url: conformance/afficiency-conformance.yml
- type: Compliance
  url: conformance/afficiency-conformance.yml
- type: ContentSignal
  url: well-known/afficiency-robots.txt
- type: LLMsTxt
  url: llms/afficiency-llms.txt
- type: Plans
  url: plans/afficiency-plans-pricing.yml
- type: RateLimits
  url: rate-limits/afficiency-rate-limits.yml
- type: Packages
  url: packages/afficiency-packages.yml
x-enrichment:
  date: '2026-09-12'
  status: minimal
  artifacts_added: 8
  pass: local-v3
x-coverage:
  state: gated
  reason: customer-only-docs
  detail: Afficiency markets a "robust RESTful API suite" for quote-to-policy-issue but points every documentation request
    at support.afficiency.com, a HubSpot customer portal that returns HTTP 404 to anonymous clients on its own root, while
    api.afficiency.com sits behind Cloudflare with an origin that never answers (HTTP 522) — so the contract exists only for
    signed customers and the only public route to it is the Book a Demo form.
  evidence:
  - url: https://support.afficiency.com/
    status: 404
  - url: https://api.afficiency.com/openapi.json
    status: 522
  - url: https://www.afficiency.com/embedded-insurance/
    status: 200
  - url: https://www.afficiency.com/.well-known/api-catalog
    status: 404
  - url: https://www.afficiency.com/llms.txt
    status: 404
  checked: '2026-09-12'

Work with this as data

Every provider here is available over the APIs.io API and to AI agents over MCP.

MCP server

One button, every client — Claude, Cursor, VS Code and the rest.

https://apis.io/mcp

Tools for providers

9 MCP tools reach this

find_providersBrowse and filter every provider in the catalog.
get_provider_artifactsEvery artifact this provider publishes, grouped by type.
get_provider_operationsEvery operation across all of their OpenAPIs — one call instead of parsing every spec.
get_provider_toolsEvery MCP tool they ship, with the operation each wraps.
get_provider_evidenceHow each part of their score was established. Free — the basis for a claim should not sit behind it.
get_provider_ratingPRO — composite, band, trend and facet scores.
apis_io_searchSTART HERE — APIs, providers and tags for one query, each with its total.
resolveTurn a domain, URL or GitHub org into the provider it belongs to.
find_cohortsEvery scored population of providers in the catalog.

All 92 tools →

Call it yourself

curl for this page

This provider

curl "https://apis.io/api/v1/providers/afficiency"

All providers

curl "https://apis.io/api/v1/providers?limit=25"

Every operation they expose

curl "https://apis.io/api/v1/providers/afficiency/operations?limit=25"

How their score was established

curl "https://apis.io/api/v1/providers/afficiency/evidence"

Discovery needs no key. Ratings and market analysis are Pro.

Get an API key

Free tier, no form to fill in. Signing in shares your email address with us — we store it to create your key and to recognise you if you sign in with another provider. See our Privacy Policy and Terms.

GitHub Google LinkedIn

A second provider on the same verified email joins the account you already have.