aid: afficiency
name: Afficiency
description: >-
  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.
image: https://www.afficiency.com/images/logos/globalLogo.svg
url: https://raw.githubusercontent.com/api-evangelist/afficiency/refs/heads/main/apis.yml
x-type: company
x-source: harvest:secondary-market
specificationVersion: '0.20'
created: '2026-09-12'
modified: '2026-09-12'
tags:
- Company
- Insurance
- Life Insurance
- Insurtech
- Embedded Insurance
- Underwriting
- Financial-Services
- Policy Administration
tags_raw:
- Company
- Insurance
- Life Insurance
- Insurtech
- Embedded Insurance
- Underwriting
- Financial Services
- Policy Administration
apis: []
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: DomainSecurity
  url: security/afficiency-domain-security.yml
- type: Website
  url: https://www.afficiency.com/
- type: Integration
  url: https://www.afficiency.com/how-afficiency-can-work-for-you/
- type: Support
  url: https://www.afficiency.com/customer-support/
- type: FAQ
  url: https://www.afficiency.com/frequently-asked-questions/
- type: News
  url: https://www.afficiency.com/press-room/
- type: About
  url: https://www.afficiency.com/meet-the-team/
- type: Careers
  url: https://www.afficiency.com/careers/
- type: Contact
  url: https://www.afficiency.com/contact-us/
- type: TermsOfService
  url: https://www.afficiency.com/terms-of-service/
- type: PrivacyPolicy
  url: https://www.afficiency.com/privacy-policy/
- type: LinkedIn
  url: https://www.linkedin.com/company/afficiency
- type: Conformance
  url: conformance/afficiency-conformance.yml
- type: Compliance
  url: conformance/afficiency-conformance.yml
- type: ContentSignal
  url: well-known/afficiency-robots.txt
- type: LLMsTxt
  url: llms/afficiency-llms.txt
- type: Plans
  url: plans/afficiency-plans-pricing.yml
- type: RateLimits
  url: rate-limits/afficiency-rate-limits.yml
- type: Packages
  url: packages/afficiency-packages.yml
x-enrichment:
  date: '2026-09-12'
  status: minimal
  artifacts_added: 8
  pass: local-v3
x-coverage:
  state: gated
  reason: customer-only-docs
  detail: >-
    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.
  evidence:
    - url: https://support.afficiency.com/
      status: 404
    - url: https://api.afficiency.com/openapi.json
      status: 522
    - url: https://www.afficiency.com/embedded-insurance/
      status: 200
    - url: https://www.afficiency.com/.well-known/api-catalog
      status: 404
    - url: https://www.afficiency.com/llms.txt
      status: 404
  checked: '2026-09-12'