Zinnia
Zinnia is an Eldridge-backed insurance technology and third-party administration company that provides the policy administration, new business, order entry, illustration, document and in-force servicing infrastructure behind a large share of the US life insurance and annuity market. Formerly SE2, and now the parent of Policygenius, Ebix's life and annuity software assets, AnnuityNet, VitalQuote, WinFlex, SmartOffice and Zahara, Zinnia runs an enterprise API gateway at api.zinnia.io and publishes ten OpenAPI contracts on a Kong developer portal at developers.zinnia.com covering case management, enterprise documents, illustration generation, product configuration, new business for life and annuity, Market Connect headless order entry, policy detail, and 102 policy transaction operations. Zinnia contributed its Enterprise API framework to the Insured Retirement Institute, whose first four standardized in-force annuity transaction APIs are built on it.
Zinnia publishes 42 API contracts indexed on the APIs.io network, including Annuity Health Check API, Annuity Version 1 API, Annuity Version 2 API, and 39 more. Tagged areas include Insurance, Life Insurance, Annuities, Policy Administration, and Insurtech.
The Zinnia catalog on APIs.io includes 1 Spectral governance ruleset.
Zinnia’s developer surface includes authentication, documentation, API reference, engineering blog, support, changelog, and 32 more developer resources.
Kin Score
Markets this provider is in provisional
The Kin Score Market layer reads a provider inside its market: its position, and how deep its integrations go. Depth is only comparable within a position. Provisional and unweighted: not part of the Kin Score or agent readiness.
| Market | Position | Depth | Registered MCP server | Declares compatibility |
|---|---|---|---|---|
| Insurance and Insurtech | undeclared | - | - | - |
Registered MCP server and declares compatibility are report only — not weighted. Undeclared means we found nothing we can read, so there is no number: we never infer integrations.
Standards implemented 2
Standards this provider implements or carries. De facto ones are profiled and measured by the API Commons; formal ones come from the standards directory and are linked by the provider's own tags. The evidence column says how each claim was established — not that it was made.
APIs 42
Individual APIs this provider publishes, each with its own machine-readable definition.
Zinnia Annuity Health Check API
EAPP API Health Check and Annuity (Annuity app validation, app processing, payment processing, TOA, eApp, and suitability) services Health check
Zinnia Annuity Version 1 API
EAPP API Version 1
Zinnia Annuity Version 2 API
EAPP API Version 2
Zinnia Attachment API
Attachment operations for transaction documents.
Zinnia Authorization Status Update API
The Authorization Status Update API from Zinnia — 1 operation(s) for authorization status update.
Zinnia Case Instance API
Manages cases for all processes
Zinnia Client Case API
The ClientCase API from Zinnia — 9 operation(s) for clientcase.
Zinnia Comments API
Comment management operations (save, list, and delete transaction comments)
Zinnia Dataset API
Dataset operations
Zinnia Details API
Get policy details
Zinnia Documents V2 API
The Documents V2 API from Zinnia — 3 operation(s) for documents v2.
Zinnia Documents V3 API
The Documents V3 API from Zinnia — 4 operation(s) for documents v3.
Zinnia Financial Transactions API
Financial Transactions
Zinnia Health API
The Health API from Zinnia — 2 operation(s) for health.
Zinnia Hybrid-IUL-Term (HIT) Illustrations API
Hybrid-IUL/Term product illustrations
Zinnia Illustration Engine API
API Endpoints for use by the internal illustration engines
Zinnia Indexed Universal Life (IUL) Illustrations API
Term Life product illustrations
Zinnia Metrics API
Get policy metrics
Zinnia New Business Annuity API
New Business Annuity Application Submission API Version 3
Zinnia New Business Life API
The New Business Life API from Zinnia — 1 operation(s) for new business life.
Zinnia New Business Transactions V1 API
New Business Orchestration Services Version 1
Zinnia New Business Transactions V2 API
New Business Orchestration Services Version 2
Zinnia Non Financial Transactions API
Non Financial Transactions
Zinnia Overview API
Get policy overview
Zinnia Policy - Transactions API
All Apis related to policy operations
Zinnia Product API
The Product API from Zinnia — 1 operation(s) for product.
Zinnia Product Eligibility API
The product-eligibility API from Zinnia — 1 operation(s) for product-eligibility.
Zinnia Product V2 API
The Product V2 API from Zinnia — 2 operation(s) for product v2.
Zinnia Ref Data API
Ref-Data
Zinnia Reference Schemas API
The Reference Schemas API from Zinnia — 3 operation(s) for reference schemas.
Zinnia Reviewer Action API
Reviewer workflow actions (Approved, Declined, Terminate) forwarded to the product order-entry service
Zinnia Search API
Search for policies
Zinnia TaxForms V2 API
The TaxForms V2 API from Zinnia — 2 operation(s) for taxforms v2.
Zinnia TaxForms V3 API
The TaxForms V3 API from Zinnia — 2 operation(s) for taxforms v3.
Zinnia Term Life (TL) Illustrations API
Term Life product illustrations
Zinnia Transaction API
Transaction management operations
Zinnia Transaction Data API
The TransactionData API from Zinnia — 1 operation(s) for transactiondata.
Zinnia Transactions Eligibility API
Eligibility evaluation for different operations
Zinnia Utility API
Utility operations
Zinnia Whole Life (WL) Illustrations API
Whole Life product illustrations
Zinnia Esignature API
E-signature for DocuSign: load recipients, submit the case, poll signer status, cancel ceremony (void envelope; Pending), and retrigger signing email when in progress
Zinnia Product Pricing API
Product pricing retrieval for a transaction
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Agent Skills 5
Packaged agent skills for driving this provider's APIs from an AI assistant.
zinnia-document-lifecycle
AGENT SKILLzinnia-one-time-withdrawal
AGENT SKILLzinnia-order-entry-submission
AGENT SKILLzinnia-policy-inquiry
AGENT SKILLzinnia-systematic-withdrawal-program
AGENT SKILLZinnia API pricing
Pricing Plans 1
Published pricing tiers and plan structures.
Zinnia Plans Pricing
PLANSRate Limits 1
Documented rate limits and quota policies.
Zinnia Rate Limits
RATE LIMITSTerms of Service 1
What its API terms permit and prohibit, quoted from its own page.
Privacy & Data 1
Its role, the data it processes, retention and transfers, quoted from its own privacy page.
Eligibility 1
Who may sign up and where, quoted from its own terms.
Data License 1
How its data and outputs may be reused, quoted from its own terms.
FinOps 1
Cost, billing, and metering signals for API financial operations.
Zinnia Finops
FINOPSSpectral Rules 1
Spectral governance rulesets for linting and validating these APIs. Counts are the severity each rule declares, not results of running them.
Zinnia API Rules
SPECTRALOpenAPI Overlays 10
Overlays applied on top of this provider's contracts. Each card says who wrote it: a document the provider publishes, or one API Evangelist derived or generated.
Zinnia Case Management Overlay
DERIVEDZinnia Documents Overlay
DERIVEDZinnia Illustration Overlay
DERIVEDZinnia New Business Overlay
DERIVEDZinnia Policy Service Overlay
DERIVEDZinnia Product Service Overlay
DERIVEDScroll for all 10
Security Posture 2
Authentication, domain security, vulnerability disclosure, and trust-center signals.
Scopes 1
OAuth scopes governing access to this provider's APIs.
Resources
Get Started 1
Portal, sign-up, and the first successful call
Documentation 2
Reference material describing how the API behaves
Agent Surfaces 4
MCP servers, agent skills, and machine-readable catalogs
Design & Contract 5
Pagination, idempotency, versioning, errors, and events
Access & Security 3
Authentication, authorization, and security posture
Operate 3
Status, limits, changes, and where to get help
Commercial 5
Pricing, plans, and the legal terms of use
Company 2
The organization behind the API
Other 13
Properties that don't map to a standard resource type
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Source (apis.yml)
Zinnia API — frequently asked questions
Does Zinnia have an API?
Yes. APIs.io lists 42 APIs from Zinnia, including Zinnia Annuity Health Check API, Zinnia Annuity Version 1 API and Zinnia Annuity Version 2 API, and 39 more.
Is there an OpenAPI specification for the Zinnia API?
Yes. APIs.io indexes 42 OpenAPI specifications for Zinnia, each linked for download from this page.
How do I authenticate with the Zinnia API?
Zinnia documents its authentication (openIdConnect/http · 3 schemes). The details are profiled on APIs.io as Zinnia Authentication.
Is the Zinnia API ready for AI agents?
Zinnia has a Kin Score of 47.1 out of 100 (developing) and an Agent Readiness score of 37.5 (agent-ready), scored by API Evangelist on 2026-11-13.
Work with this as data
Every provider here is available over the APIs.io API and to AI agents over MCP.