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.
Real signal across most facets with visible, nameable gaps — the contract exists but is thin, or the portal is good while governance and commercial terms are absent.
API Evangelist profiles Zinnia the way a machine reads it — 15 machine-readable artifacts across 10 APIs, 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 — Zinnia scores 48.5/100 (developing), with a separate agent-readiness read of 40/100 (agent ready). The full breakdown is below, followed by every artifact we hold — each card links through to its machine-readable definition on apis.io.
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 2026-09-14 · rubric v0.22.0
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title="Zinnia on API Evangelist — API profile and Kin Score">
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How we profile Zinnia
Each block below is one kind of artifact we hold for Zinnia. 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.
APIs 10
Each API is captured as its own OpenAPI definition — every operation, parameter, and response. This is the single most useful machine-readable description of what an API does, and it's what lets us score, lint, mock, and generate against it without asking the provider for anything.
Individual APIs this provider publishes, each with its own machine-readable definition.
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.
Scroll within the panel for all 10 ·
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.
Zinnia Plans Pricing
PLANSRate 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.
Zinnia Rate Limits
RATE LIMITSSecurity Posture 2
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.
Scopes 1
OAuth scopes are the vocabulary of least-privilege access. Profiling them shows exactly what an integration — or an agent acting on a user's behalf — is allowed to do.
OAuth scopes governing access to this provider's APIs.
Resources
Every other property we hold for Zinnia — 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.
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 3
Pricing, plans, and the legal terms of use
Company 2
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/zinnia · machine-readable index on apis.io
This is an independent, third-party profile of Zinnia, 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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