# Zinnia

**Canonical:** https://apis.io/providers/zinnia/  
**Website:** https://zinnia.com/  
**APIs profiled:** 10

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.

## Kin Score — 48.5 / 100 (developing)

Scored 2026-09-14 under rubric 0.22.0.

| Facet | Score |
|---|---|
| Discoverability | 81.5 |
| Contract Quality | 59.7 |
| Contract Governance | 18.2 |
| Operational Transparency | 15.8 |
| Developer Ergonomics | 47.0 |
| Access Clarity | 21.1 |

Regulatory layer — **Insurance**: 63.6 (matched via tags).

## Agent readiness — 39.7 (agent-ready)

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

## APIs (10)

- **Zinnia Policy Transactions API** — Enterprise API for enforcing policy transactions and validations across the in-force annuity and life book - financial and non-financial transaction management, policy party man...
- **Zinnia Policy Service API** — Central policy record service for the life and annuity policy lifecycle - policy detail retrieval by plan code and policy number, policy version history with filtering and pagin...
- **Zinnia Market Connect Order Entry API** — Headless order entry API that lets external distribution platforms, banks, broker-dealers and IMOs electronically initiate, save-and-resume, validate and submit life insurance a...
- **Zinnia Illustration Generation API** — Illustration generation service for life and annuity products - synchronous and asynchronous illustration requests, in-force, new-business and administration calculation modes, ...
- **Zinnia Enterprise Documents API** — The Enterprise Document Service (EDS) is the system of record for documents across Zinnia's life insurance and annuity platforms. Documents are stored once and can be retrieved,...
- **Zinnia New Business API** — Life new business API covering application intake, requirement and case orchestration, party and agent validation, and DTCC-referenced downstream handoff for the Zinnia life new...
- **Zinnia New Business Annuity API** — Annuity new business API for application submission, case status, requirements and DTCC participant resolution on the Zinnia annuity origination platform.
- **Zinnia Product Service API** — Product configuration and reference data service - product definitions, features, eligibility rules and related metadata for insurance and financial offerings, so partners can c...
- **Zinnia Case Management API** — Case orchestration API for creating and retrieving case instances that group the documents, requirements and transactions belonging to a single piece of work across the Zinnia p...
- **Zinnia Illustration Client Cases API** — Client case manager for the illustration workflow - create, search, retrieve and update the client-level cases that illustration requests are generated against.

## Security (2)

- **Zinnia Authentication** — openIdConnect/http · 3 schemes
- **Zinnia Domain Security** — TLSv1.3 · HSTS · DNSSEC · DMARC

## Plans (1)

- **Zinnia Plans Pricing**

## Tags

Insurance, Life Insurance, Annuities, Policy Administration, Insurtech, Financial-Services, Third Party Administration, New Business, Order Entry, Document-Management, Underwriting, Enterprise

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