# Afficiency

**Canonical:** https://apis.io/providers/afficiency/  
**Website:** https://www.afficiency.com/  
**APIs profiled:** 0

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.

## Kin Score — 14.5 / 100 (emerging)

Scored 2026-09-25 under rubric 0.23.0. Trend: flat (-0.8 from 15.3).

| Facet | Score |
|---|---|
| Discoverability | 49.1 |
| Contract Quality | 0.0 |
| Contract Governance | 18.2 |
| Operational Transparency | 0.0 |
| Developer Ergonomics | 4.8 |
| Access Clarity | 28.9 |

Regulatory layer — **Insurance**: 21.1 (matched via tags).

## Agent readiness — 4.7 (human-only)

| Dimension | Value |
|---|---|
| Spec Presence | no |
| Agentic Access | no |
| Reversibility Documented | no |
| MCP Server | no |
| Auth Clarity | no |
| Idempotency | no |
| Error Semantics | no |
| OpenAPI Examples | no |
| Rate Limit Signal | documented |
| Event Surface Described | no |
| Agent Skills | no |
| Well Known Catalog | no |
| Consent Identity | yes |
| Agent Card | no |
| Dry Run Mode | no |
| Delegated Identity | no |
| Protected Resource Metadata | no |
| Dynamic Client Registration | no |
| Agentic Commerce | no |

## Security (1)

- **Afficiency Domain Security** — TLSv1.3 · DMARC

## Plans (1)

- **Afficiency Plans Pricing**

## Tags

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

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Profiled by [API Evangelist](https://apievangelist.com) and published on [APIs.io](https://apis.io/providers/afficiency/). Scores are computed from the provider's own public artifacts under a published rubric.