Underwriting Standards

aid: underwriting-standards
name: Underwriting Standards
description: A curated collection of data standards, APIs, and specifications used in insurance underwriting. This covers
  the landscape of industry-wide data interchange formats, protocol standards, and API ecosystems that enable carriers, MGAs,
  brokers, and InsurTech platforms to exchange underwriting data programmatically. Key standards include ACORD (Property &
  Casualty, Life, Reinsurance), LIMRA LDEx (employee benefits), and emerging OpenInsurance initiatives.
url: https://raw.githubusercontent.com/api-evangelist/underwriting-standards/refs/heads/main/apis.yml
type: Index
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
tags:
- Underwriting
- Insurance
- Standards
- ACORD
- Data Exchange
- InsurTech
created: '2025-01-01'
modified: '2026-05-03'
specificationVersion: '0.19'
apis:
- aid: underwriting-standards:acord-api
  name: ACORD Next-Generation Digital Standards API
  tags:
  - Insurance
  - ACORD
  - Standards
  - Property And Casualty
  - Life Insurance
  - Reinsurance
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  baseURL: https://www.acord.org
  humanURL: https://www.acord.org/standards-architecture/acord-data-standards/next-generation-digital-standards
  properties:
  - url: https://www.acord.org/standards-architecture/acord-data-standards
    type: Documentation
  - url: https://www.acord.org/standards-architecture/acord-data-standards/next-generation-digital-standards
    type: Documentation
  - url: https://www.acord.org/standards-architecture/reference-architecture
    type: Reference Architecture
  description: ACORD (Association for Cooperative Operations Research and Development) provides the insurance industry's primary
    data standards. The Next-Generation Digital Standards (NGDS) are JSON/YAML-based transaction-centric standards for RESTful
    APIs and microservices, covering Policy, Claims, Party, Product, and Reinsurance entities. ACORD standards are used by
    over 3,000 member organizations worldwide.
- aid: underwriting-standards:ldex
  name: LIMRA LDEx Data Exchange Standards
  tags:
  - Insurance
  - LIMRA
  - Benefits Administration
  - Standards
  - Employee Benefits
  - Life Insurance
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  baseURL: https://www.limra.com
  humanURL: https://www.limra.com/en/solutions-and-services/data-exchange-standards/
  properties:
  - url: https://www.limra.com/en/solutions-and-services/data-exchange-standards/ldex-overview/
    type: Documentation
  - url: https://www.limra.com/en/solutions-and-services/data-exchange-standards/standards-download/
    type: Downloads
  description: The LIMRA Data Exchange (LDEx) Standards are free, collaboratively developed standards for exchanging employee
    workplace benefits data between carriers and benefits administration platforms. LDEx provides REST API endpoints compliant
    with OpenAPI 3.1 and supports JSON, XML, and YAML payloads. Use cases include enrollment, eligibility, coverage changes,
    terminations, and evidence of insurability.
common:
- type: Website
  url: https://www.acord.org/
- type: Website
  url: https://www.limra.com/
- type: Standards
  url: https://www.acord.org/standards-architecture/acord-data-standards
- type: Standards
  url: https://www.limra.com/en/solutions-and-services/data-exchange-standards/
- type: JSONLD
  url: json-ld/underwriting-standards-context.jsonld
- type: Vocabulary
  url: vocabulary/underwriting-standards-vocabulary.yml
- type: JSONSchema
  url: json-schema/underwriting-standards-submission-schema.json
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com