Waterlily

Waterlily is an AI-native, end-to-end long-term care (LTC) planning platform for financial advisors, insurance professionals, and the families they serve. Trained on more than 500 million data points, its models predict an individual's personalized likelihood of needing long-term care, project the cost and duration of that care, and estimate the caregiving hours each family member is likely to contribute. A roughly three-minute intake produces a personalized care timeline and plan with localized cost estimates, and its Quote-and-Apply engine computes mathematically optimal LTC insurance policy configurations across hundreds of thousands of options. Founded by Lily Vittayarukskul and backed by Insight Partners. Waterlily is surfaced in the API Evangelist network as a portfolio-lead company; it exposes no public developer API today (integrations are one-click CRM imports for Salesforce, Wealthbox, and Redtail).

Waterlily is profiled on the APIs.io network. Tagged areas include Company, Healthcare, Long-Term Care, Insurance, and Financial Planning.

Waterlily’s developer surface includes engineering blog, pricing, signup flow, support, and 7 more developer resources.

🌐 Visit website 📡 Profile data on GitHub

22.9/100 emerging ▬ flat Agent 0/100 human only Front door AI 4/6 moderate Heartbeat 11/100 dormant saas Full breakdown ↓
scored 2026-11-06 · rubric v0.27.0 · Show this score on your site →

AccessFreemiumFree trial

0 APIs

Company Healthcare Long-Term Care Insurance Financial Planning Artificial Intelligence Insurtech Caregiving

Kin Score

Kin Score How this is scored →
scored 2026-11-06 · rubric v0.27.0

Composite quality — 22.9/100 · emerging

Contract Quality 0.0 / 21

Developer Ergonomics 1.2 / 17

Access Clarity 14.3 / 17

Operational Transparency 0.0 / 11

Contract Governance 0.0 / 10

Discoverability 4.1 / 9

Regulatory Posture 2.3 / 15

Agent readiness — 0/100 · 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 0 / 7

Typed Event Surface 0 / 6

Agent Skills 0 / 5

Well-Known Catalog 0 / 4

Consent & Bot Identity 0 / 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

Pagination 5 / 5

Distinct Operations 3 / 3

MCP Tool Quality 6 / 6

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/.

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Agent readiness — checks not met, largest first (exact, from this profile):

Machine-Readable Contract +18 pts — api_specs includes an OpenAPI document
MCP Server +12 pts — deployment.mode + probe verdict on the mcp/ manifest, not the pointer; an unprobed slug falls back to authorship
Agentic Access Contract +10 pts — agentic_access artifact present (x-agentic-access), graded by author
Machine-Readable Auth +10 pts — a served openid-configuration/oauth-authorization-server carrying `issuer` (served), else the securitySchemes class in the provider OpenAPIs — bound (mutualTLS, DPoP, Signature) > negotiable (oauth2 authorizationCode/clientCredentials, openIdConnect) > bearer (http bearer, apiKey)
Idempotency +9 pts — OpenAPI mutating operations declare an idempotency key — a header, a request-body property, or a named de-duplication token whose own description says so (verified); else common[].type matches /idempoten/i (documented)
Stable Error Semantics +8 pts — OpenAPI $refs a shared error schema across 4xx/5xx responses (verified), else common[].type includes ErrorCatalog / ErrorCodes / DeclineCodes

13 more unmet checks in the Agent Readiness table above.

Kin Score — facets with the most composite points still available (weight × headroom):

Contract Quality scores 0.0 — up to +25.0 composite points
Developer Ergonomics scores 7.1 — up to +18.6 composite points
Operational Transparency scores 0.0 — up to +13.0 composite points

Each check links to what satisfies it. Publish the artifact, or tell us where it already lives, and the score moves on the next scoring run.

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 the provider profile at artifacts.apis.io/waterlily/apis.yml: open an issue on github.com/api-evangelist/waterlily to ask a question or point us at an artifact you publish. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

Waterlily API pricing

Prices published by Waterlily, read 2026-10-07 from www.waterlily.com/for-advisors#pricing. A free plan or tier is listed.

Plan	Price
Free (2 week free trial)	Free Includes: Manage up to 100 client LTC plans at once*, Live customer support
Annual	$47/mo Includes: Manage up to 100 client LTC plans at once*, Live customer support
Monthly	$59/mo Includes: Manage up to 100 client LTC plans at once*, Live customer support

Plan details, limits and sources →

Pricing Plans 1

Published pricing tiers and plan structures.

Waterlily Plans Pricing

3 plans

PLANS

Security Posture 1

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

Waterlily Domain Security

TLSv1.3 · HSTS

SECURITY

Resources

Get Started 2

Portal, sign-up, and the first successful call

SignUp

SignUp

Login

Access & Security 2

Authentication, authorization, and security posture

DomainSecurity

DomainSecurity

TrustCenter

TrustCenter

Operate 1

Status, limits, changes, and where to get help

Support

Support

Commercial 4

Pricing, plans, and the legal terms of use

Plans

Pricing

TermsOfService

PrivacyPolicy

Company 2

The organization behind the API

Website

Website

Blog

Blog

Source (apis.yml)

aid: waterlily
name: Waterlily
description: Waterlily is an AI-native, end-to-end long-term care (LTC) planning platform for financial advisors, insurance
  professionals, and the families they serve. Trained on more than 500 million data points, its models predict an individual's
  personalized likelihood of needing long-term care, project the cost and duration of that care, and estimate the caregiving
  hours each family member is likely to contribute. A roughly three-minute intake produces a personalized care timeline and
  plan with localized cost estimates, and its Quote-and-Apply engine computes mathematically optimal LTC insurance policy
  configurations across hundreds of thousands of options. Founded by Lily Vittayarukskul and backed by Insight Partners. Waterlily
  is surfaced in the API Evangelist network as a portfolio-lead company; it exposes no public developer API today (integrations
  are one-click CRM imports for Salesforce, Wealthbox, and Redtail).
url: https://raw.githubusercontent.com/api-evangelist/waterlily/refs/heads/main/apis.yml
x-type: company
x-source: vc-portfolio
x-backed-by:
- insight-partners
x-tier: stub
x-tier-reason: portfolio-lead
deliveryModel:
  model: saas
  open_source: false
  commercial: true
  callable_host: false
  label: Hosted service · you call their endpoint
  confidence: medium
  source:
  - pricing
  generated: '2026-08-28'
  method: derived
accessModel:
  pricing: freemium
  onboarding: unknown
  trial: true
  try_now: false
  public: false
  label: Freemium (free trial)
  confidence: low
  source:
  - plans
  - security
  generated: '2026-11-06'
  method: derived
specificationVersion: '0.23'
created: '2026-07-17'
modified: '2026-07-21'
image: https://framerusercontent.com/images/laKmEjGG8kwA51UmOy9tNi60g.png
tags:
- Company
- Healthcare
- Long-Term Care
- Insurance
- Financial Planning
- Artificial Intelligence
- Insurtech
- Caregiving
apis: []
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: Plans
  url: plans/waterlily-plans-pricing.yml
- type: DomainSecurity
  url: security/waterlily-domain-security.yml
- type: Website
  url: https://www.waterlily.com/
- type: Blog
  url: https://www.waterlily.com/blog
- type: Pricing
  url: https://www.waterlily.com/for-advisors#pricing
- type: SignUp
  url: https://www.waterlily.com/start-for-free
- type: Login
  url: https://app.waterlily.com
- type: TermsOfService
  url: https://www.waterlily.com/terms-of-service
- type: PrivacyPolicy
  url: https://www.waterlily.com/privacy-policy
- type: Support
  url: mailto:hello@joinwaterlily.com
- type: TrustCenter
  url: https://trust.waterlily.com/
x-enrichment:
  date: '2026-07-21'
  status: enriched
  artifacts_added: 1
  pass: local-v1

Waterlily API — frequently asked questions

How much does the Waterlily API cost?

Waterlily publishes its prices; its Annual plan is $47/mo as of 2026-10-07. APIs.io lists 3 pricing plans for Waterlily, with each plan's price, limits and inclusions under Pricing on this page.

Is the Waterlily API ready for AI agents?

Waterlily has a Kin Score of 22.9 out of 100 (emerging) and an Agent Readiness score of 0.0 (human-only), scored by API Evangelist on 2026-11-06.

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