Ranked by the provider's API Evangelist rating — the Kin Score is scored per provider, not per API, so every API of a provider shares its band. How the rating works →

Exemplar 1 Complete, well-documented, and agent-ready

Plaid Consumer Report CRA APIPlaid's Consumer Report CRA is part of the Plaid open-finance platform, exposing 9 documented endpoint(s) u...68.2

Strong 3 Solid coverage with minor gaps

Heron APIHeron's REST API for document intake, parsing, enrichment, cashflow underwriting, webhooks, and broker/fund...61.0 Findigs Client APIREST API for programmatic interaction with Findigs and integration of Findigs data into existing property m...58.1 Moody's Risk Modeler APIThe Risk Modeler API enables you to manage end-to-end catastrophe modeling workflows using Moody's RMS mode...57.8

Developing 9 Usable, with meaningful gaps to close

Origami Risk Quotes and Proposals APIQuote-side policy lifecycle — create and patch proposals, add and remove policy lines, coverages, schedules...52.4 Beazley Data Capture: Quote and Risk Data v1The original version of Beazley's risk data capture API, feeding quote and risk data from partner systems i...52.0 Beazley Data Capture: Quote and Risk Data v2The current published version of Beazley's risk data capture API. Provides a channel for partner systems to...52.0 Beazley Data Capture: Quote and Risk Data v3 (pre-release)A pre-release version of the Data Capture API published under Beazley's Prerelease APIM product, exposing a...52.0 PPL Submissions APIEnables underwriters to retrieve Submission requests supplied by a broker and to manage their negotiation o...50.4 Evari Quotes APIThe Evari Quotes microservice - the internal broker and underwriter quoting surface at /api/quotes/** plus ...50.1 ACORD Underwriting APIUnderwriting and risk assessment45.3 Verisk UnderWriting APIVerisk UnderWriting API provides personal and commercial lines insurance underwriting data including homeow...42.6 Nova Credit Platform APIUnified REST API surface across Nova Credit's products (Credit Passport v4, Cash Atlas v2, Income Navigator...41.8

Thin 11 Limited public surface area

Moody's RMS Risk Modeler APIThe Risk Modeler 2.0 public API — the legacy catastrophe-modeling and underwriting surface of the Intellige...37.1 C.L.U.E. AutoC.L.U.E. Auto is a contributory claim-history information exchange containing up to seven years of personal...36.8 C.L.U.E. Auto with Current CarrierC.L.U.E. Auto combined with Current Carrier, which identifies the carriers of existing or previous insuranc...36.8 Driver DiscoveryDriver Discovery identifies potentially undisclosed drivers residing at an applicant's address, helping aut...36.8 InsurViewInsurView leverages one of the industry's largest collections of public records and other data sources to p...36.8 Motor Vehicle Record (MVR)Motor Vehicle Record data allows insurance companies to evaluate driver histories consistently in all fifty...36.8 Visa Underwriting Intelligence SolutionsVisa Underwriting Intelligence Solutions is a leading provider of data analytics and risk management soluti...36.1 Hiscox Eligibility APIPartner-facing eligibility lookup that returns the list of US states and the Hiscox products offered by pro...33.0 Cytora Platform APICytora's production REST API for digital risk processing — the "preferred method" of submission intake desc...28.6 Accelerant Risk Exchange PlatformThe member-facing Accelerant Risk Exchange platform and its supporting API surface. Accelerant states that ...26.9 Ki Broker Trading Platform APIThe same-origin REST API behind app.ki-insurance.com, the partner-gated broker trading platform where Lloyd...26.8

Emerging 16 Early or largely undocumented

Atomic Verify APIVerify provides instant income and employment verification by connecting to the consumer's payroll provider...23.3 TAL Group Life B2B (glsb2b)The integration estate behind TAL's group insurance business with superannuation funds — underwriting in/ou...22.9 TAL Underwriting Rules Engine (URE) GraphQLA live production GraphQL endpoint serving TAL's Underwriting Rules Engine. It answers anonymous POSTs and ...22.9 Kaaj Underwriting APIKaaj's REST API for submitting borrower application packages and receiving decision-ready credit analysis, ...22.8 GUARD APIReal-time consumer credit underwriting / risk-assessment API. Partners POST an underwriting request for a c...22.2 AURA NEXT Automated Underwriting APIAURA NEXT is RGA's SaaS-based automated underwriting decision management platform powered by 40+ years of u...22.0 Digital Health Data Risk Scoring APIRGA's Digital Health Data (DHD) Risk Scoring service provides a real-time API for evaluating structured ele...22.0 Digital Health Data Scoring APIRGA's Digital Health Data (DHD) Risk Scoring service evaluates structured electronic medical record and med...22.0 RGA Central Portal APIRGA Central provides a single point of access to exclusive applications and insights for RGA clients. The p...22.0 Wynsure REST APIRESTful API exposing Wynsure's core insurance platform capabilities for integration with third-party system...21.4 Wynsure Smart Underwriting Platform APIAPI surface for the Wynsure Smart Underwriting Platform (WSUP), a Generative AI-powered underwriting soluti...21.4 Symetra Life Insurance APIAPI supporting Symetra's life insurance products including term life, SwiftTerm (instant-issue life insuran...20.3 Ethos Partnership APIPartner-gated API surface exposing Ethos's underwriting and interview engines. Partners can retrieve custom...18.1 Evidence of Insurability (EOI) APISecure, real-time EOI decisioning on a benefit technology partner's platform when required by an elected Gu...17.4 Underwriting Data ServiceCentralized Underwriting Data API providing business and technical services for saving and retrieving under...17.4 Convex Digital Underwriting APIThe partner-gated REST API surface behind Convex Digital Underwriting. Convex publicly describes building "...13.7

Minimal 6 Almost no public developer surface

Stere Underwriting APIStere's API-as-a-Service lets an insurer or MGA either bring its own existing underwriting API ("Bring-your...10.0 OriginationsDigital lease and loan origination spanning program configuration (manufacturers, asset types, fee models, ...7.6 Opterrix Data APIThe Opterrix Data API provides real-time and historical weather and hazard data through high-performance en...7.4 Submission - My Zurich Connector APISubmits new business and renewal submissions into Zurich's commercial underwriting flow from broker managem...7.4 Third Party Liability Quote APIGenerates indicative Third Party Liability quotes against Zurich underwriting rules, designed for embedding...7.4 Pulse US Income APIIt was designed to solve the problem of calculating the future income trajectory of applicants in real-time.5.5

Score breakdown

Frequency

60.9

log-scaled weighted occurrences

Breadth

3.5

spread across providers

Quality lift

27.7

mean composite of providers using it

Cohesion

15.8

strength of nearest seed neighbor

Where this tag comes from

Provider tag121

Api tag46

Openapi tag1

Openapi op tag1

Cohort brief

Auto-generated

The 128 providers in the APIs.io catalog tagged Underwriting, scored on the Kin Score. Every figure below is computed from the catalog — nothing here is written.

Providers

128

all scored

Mean Kin Score

22.8

+2.1 vs catalog 20.7

Mean Agent Readiness

10.3

+0.6 vs catalog 9.7

Spread

0.9–68.2

median 17.8 · σ 16.5

How the 128 split by band

Exemplar 2Strong 5Developing 16Thin 19Emerging 50Minimal 36

Facet averages, against the whole catalog

Facet	This cohort	Catalog	Difference	Scored
Developer Ergonomics	22.4	17.9	+4.5	128
Contract Governance	10.8	6.4	+4.4	128
Discoverability	63.5	60.4	+3.1	128
Access Clarity	24.8	22.3	+2.5	128
Operational Transparency	9.5	11.3	-1.8	128
Contract Quality	14.7	17.5	-2.8	128

A facet is averaged over the members that carry it, not over the whole cohort — the “Scored” column is that count. Averaging an absent facet as zero would score our own coverage gaps as the providers’ posture.

What this cohort publishes

Artifact	This cohort	Catalog	Difference
MCP server (any)	26%	16%	+10
MCP server (first-party)	7%	7%	0
Agent Skills	0%	0%	0
OAuth scopes	13%	9%	+4
Security	99%	88%	+11
Arazzo workflows	3%	2%	+1
Governance rules	5%	13%	-8

mcp_pct counts any mcp/ artifact including ones API Evangelist derived from the provider OpenAPI; mcp_first_party_pct counts only servers the provider publishes. Prefer the latter.

Top by Kin Score

1 Plaid 68.2
2 Kita 67.7
3 Ntropy 62.1
4 Heron 61
5 Findigs 58.1
6 Ocrolus 57.9
7 Moody's 57.8
8 AltScore 53.2
9 LendAPI 53.2
10 Origami Risk 52.4

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Underwriting

Providers using this tag (128)

APIs with this tag (46)