# Waterlily

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

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).

## Kin Score — 17.2 / 100 (emerging)

Scored 2026-08-20 under rubric 0.12.0. Trend: flat (+0.0 from 17.2).

| Facet | Score |
|---|---|
| Discoverability | 50.0 |
| Contract Quality | 0.0 |
| Governance | 0.0 |
| Contract Governance | 0.0 |
| Operational Transparency | 0.0 |
| Developer Ergonomics | 7.1 |
| Commercial Clarity | 52.6 |
| Access Clarity | 52.6 |

Regulatory layer — **Insurance**: 28.8 (matched via tags).

## Agent readiness — 0.0 (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 | no |
| Event Surface Described | no |
| Agent Skills | no |
| Well Known Catalog | no |
| Consent Identity | no |
| Agent Card | no |
| Dry Run Mode | no |

## Access

Unknown — onboarding: unknown, pricing: unknown, trial: no (confidence: low).

## Security (1)

- **Waterlily Domain Security** — TLSv1.3 · HSTS

## Tags

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

---

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