Afficiency
Afficiency is a New York-based insurtech that designs, digitally underwrites and issues life insurance products on behalf of carrier and reinsurance partners, and distributes them through a 100% digital, API-first platform. Its product suite spans level term, final expense whole life, participating whole life, indexed universal life and annual renewable term, all issued without a medical exam and with instant underwriting decisions in a single session. Partners integrate through one of three models — a hosted white-label storefront, a direct REST API integration covering the full quote-to-policy-issue journey, or a hybrid of the two — which lets agencies, P&C agents, financial advisors, worksite and affinity channels and embedded fintech partners offer life insurance inside their own customer journeys. Afficiency states it is SOC 2 Type II certified. Its REST API suite is marketed publicly, but the reference and any machine-readable contract are reachable only through the customer support portal or a sales conversation.
More than an index entry, but the surface is still mostly links rather than artifacts — the cohort most likely to move a full band from modest, well-targeted work.
API Evangelist profiles Afficiency the way a machine reads it — 3 machine-readable artifacts, pulled from the provider's own public surface and indexed so a developer, an analyst, or an AI agent can evaluate it against every other provider on the network.
Every provider in the network is reduced to the same set of machine-readable artifacts — OpenAPI contracts, event specifications, GraphQL schemas, runnable collections, pricing and rate-limit signals, security posture, OAuth scopes, and the agent surfaces (MCP servers and skills) that let software drive the API on its own. We profile them because the interface is the part of a company you can actually inspect: it is a truer signal of what a provider does than any marketing page. From those artifacts we compute the Kin Score — Afficiency scores 14.5/100 (emerging), with a separate agent-readiness read of 5/100 (human only). The full breakdown is below, followed by every artifact we hold — each card links through to its machine-readable definition on apis.io.
Why this profile is thin
Afficiency markets a "robust RESTful API suite" for quote-to-policy-issue but points every documentation request at support.afficiency.com, a HubSpot customer portal that returns HTTP 404 to anonymous clients on its own root, while api.afficiency.com sits behind Cloudflare with an origin that never answers (HTTP 522) — so the contract exists only for signed customers and the only public route to it is the Book a Demo form.
An API exists — we simply could not reach the contract without credentials or a sales conversation. This one is Afficiency's to change: publishing the reference and a machine-readable spec at a public URL, while keeping key issuance behind whatever gate they like, would let an integrator evaluate the API before committing to a call.
What we probed
https://support.afficiency.com/→ HTTP 404https://api.afficiency.com/openapi.json→ HTTP 522https://www.afficiency.com/embedded-insurance/→ HTTP 200https://www.afficiency.com/.well-known/api-catalog→ HTTP 404https://www.afficiency.com/llms.txt→ HTTP 404
Kin Score
This is the API Evangelist rating — a single, repeatable read computed from the artifacts on this page. Green fill is points earned; the red track is points possible, so every bar shows earned-versus-possible at a glance. Every facet and dimension name is a link: it opens that measurement's page on APIs.io, where the rating runs across the whole catalog — the exact checks that feed it, how every profiled provider distributes on it, and who is at the top of it.
Kin Score
How this is scored →scored 2026-10-17 · rubric v0.24.0
Put this on your own site. The badge is drawn live from Afficiency's current Kin Score — paste it once and it updates itself every time the score is recomputed. It follows your visitor's light or dark setting, and it links back here so anyone who sees it can read the full breakdown.
<!-- Kin Score · API Evangelist -->
<a href="https://providers.apievangelist.com/providers/afficiency/"
title="Afficiency on API Evangelist — API profile and Kin Score">
<img src="https://apis.io/badge/afficiency.svg"
alt="Afficiency Kin Score — API readiness rating by API Evangelist" width="150" height="150" loading="lazy">
</a>[](https://providers.apievangelist.com/providers/afficiency/)<!-- Kin Score · API Evangelist -->
<a href="https://providers.apievangelist.com/providers/afficiency/"
title="Afficiency on API Evangelist — API profile and Kin Score">
<img src="https://apis.io/badge/afficiency/card.svg"
alt="Afficiency Kin Score — API readiness rating by API Evangelist" width="340" height="120" loading="lazy">
</a>More shapes, themes and sizes → · Score as JSON · How badges work
How we profile Afficiency
Each block below is one kind of artifact we hold for Afficiency. For each we say what it is and why it earns a place in the profile, then list every one we've indexed — capped at two rows, scroll within the panel for the rest.
Pricing Plans 1
Pricing is part of the interface. Machine-readable plans tell you what a tier costs and includes before you commit — one of the things the Kin Score reads for access clarity — renamed from commercial clarity in rubric 0.12, because a free statutory interface has access terms and no commercial ones.
Published pricing tiers and plan structures.
Rate Limits 1
Rate limits are the difference between a demo that works and a production integration that doesn't fall over. Publishing them is an operational-transparency signal — and a hard requirement for any agent that plans its own throughput.
Documented rate limits and quota policies.
Afficiency Rate Limits
RATE LIMITSSecurity Posture 1
Authentication, domain security, vulnerability disclosure, and trust-center signals — the evidence that a provider takes security seriously enough to document it. We profile it because you can't govern what you can't see.
Authentication, domain security, vulnerability disclosure, and trust-center signals.
Resources
Every other property we hold for Afficiency — documentation, portals, status pages, policies, and corporate surface — grouped by the job it does, following the integrator's arc from getting started to running in production.
Agent Surfaces 1
MCP servers, agent skills, and machine-readable catalogs
Design & Contract 1
Pagination, idempotency, versioning, errors, and events
Build 2
SDKs, sample code, and the tooling you integrate with
Access & Security 2
Authentication, authorization, and security posture
Operate 4
Status, limits, changes, and where to get help
Commercial 3
Pricing, plans, and the legal terms of use
Company 5
The organization behind the API
Other 1
Properties that don't map to a standard resource type
← All providers · Data indexed from github.com/api-evangelist/afficiency · machine-readable index on apis.io
This is an independent, third-party profile of Afficiency, published by API Evangelist. We do not operate, host, resell, or support these APIs, and we are not affiliated with or endorsed by the company unless stated above. Everything here is built from publicly available information — the company's own site, developer portal, documentation, public repositories, and the specifications it publishes for public use. Nothing is obtained by breaching a system, defeating an access control, or using credentials.
The Kin Score and Agent Readiness rating are independently calculated assessments of a company's public API artifacts, scored against a published rubric. They are not certifications, endorsements, security assessments, or audits.
Corrections, re-scores, and removal are free — no partnership or purchase required, and you do not need to justify the request. A removed company is recorded as unrated, never scored zero for having asked. Acknowledgement within one business day; removal within two.
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you will get a person, not a form — we will tell you exactly which public URLs this profile was built from.