# 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. Partners integrate through a hosted white-label storefront, a
> direct REST API integration covering the full quote-to-policy-issue journey, or a hybrid of the two.

Generated by API Evangelist on 2026-09-12 from the company's public website. Afficiency does not
publish an llms.txt of its own (https://www.afficiency.com/llms.txt returns 404), so this file is an
API Evangelist summary, not an Afficiency document.

## Provider consent signal — READ THIS FIRST

Afficiency publishes a Cloudflare Content Signals policy in its robots.txt and expressly reserves
rights under Article 4 of EU Directive 2019/790:

    User-agent: *
    Content-Signal: search=yes,ai-train=no,use=reference
    Allow: /

Search indexing is permitted. **Using this company's content to train or fine-tune an AI model is
refused.** AI consumption is permitted at the "reference" level. Nine named AI crawlers — Amazonbot,
Applebot-Extended, Bytespider, CCBot, ClaudeBot, CloudflareBrowserRenderingCrawler, Google-Extended,
GPTBot and meta-externalagent — are `Disallow: /`. Honor this.

## There is no public API contract

Afficiency markets a REST API but does not publish a machine-readable contract or a public reference.
An agent cannot call this API today. Verified 2026-09-12:

- No OpenAPI, Swagger, GraphQL SDL, AsyncAPI, Protobuf or WSDL at any host this record knows.
- `api.afficiency.com` resolves through Cloudflare but the origin does not answer anonymous requests
  (HTTP 522 on every path probed).
- `support.afficiency.com`, which the company names as the home of its documentation, is a HubSpot
  portal that returns HTTP 404 to anonymous clients on every path including its root.
- Every `/.well-known/` path returns 404 on every host. No agent card, no MCP server, no OAuth
  metadata, no api-catalog.
- No SDK exists in npm, PyPI, RubyGems, crates.io, NuGet or Packagist. The GitHub organization
  named "Afficiency" has zero public repositories.

The route to API access is a sales conversation: https://www.afficiency.com/book-a-demo/

## Company

- [Home](https://www.afficiency.com/): company overview and positioning.
- [Product Suite](https://www.afficiency.com/product-overview/): Level Term ($25,000-$2,000,000,
  ages 18-60), Final Expense Whole Life ($5,000-$25,000, ages 45-80), Participating Whole Life
  ($25,000-$500,000, ages 18-65), Indexed Universal Life ($100,000-$2,000,000, ages 18-65), Annual
  Renewable Term ($25,000-$500,000, ages 18-65). All no-medical-exam with instant decisions.
- [Digital Life Insurance](https://www.afficiency.com/digital_life_insurance/): the platform.
- [Risk & Screening Tools](https://www.afficiency.com/risk_screening_tools_digital_insurance/):
  the underwriting engine that replaces medical exams.
- [Carrier Partners](https://www.afficiency.com/carrier-partners/): the carriers whose paper backs
  the products.
- [Press Room](https://www.afficiency.com/press-room/): launches with SBLI/Quility, Foresters
  Financial, Continental General/NewBridge and Western & Southern/ConsumerOptix.
- [Meet the Team](https://www.afficiency.com/meet-the-team/)
- [Careers](https://www.afficiency.com/careers/)

## Integration

- [How Afficiency Can Work With You](https://www.afficiency.com/how-afficiency-can-work-for-you/):
  the three integration models.
  - **White Label** — turnkey, hosted and managed by Afficiency; agent-led eApp, agent and consumer
    portals, end-to-end quote to policy issue, minimal technical requirements.
  - **API Integration** — REST API suite, end-to-end quote to policy issue, fully custom branding,
    the customer stays on the partner's platform, partner retains data ownership.
  - **Hybrid** — partner-built UX for part of the journey, link out to Afficiency for the rest.
- [Embedded Insurance](https://www.afficiency.com/embedded-insurance/): endpoints are described as
  covering quoting, underwriting, policy issuance and administration.
- Distribution channels: [Agencies](https://www.afficiency.com/life-insurance-agencies/),
  [Worksite](https://www.afficiency.com/afficiency-for-worksite/),
  [Affinity](https://www.afficiency.com/afficiency-for-affinity/),
  [P&C](https://www.afficiency.com/property-casualty-agents-agencies/),
  [Financial Advisors](https://www.afficiency.com/financial-advisors/).

## Support

- [Customer Support](https://www.afficiency.com/customer-support/): Monday-Friday, 9:00 AM-5:00 PM EST.
- [FAQ](https://www.afficiency.com/frequently-asked-questions/)
- [Contact Us](https://www.afficiency.com/contact-us/)
- Support portal: `support.afficiency.com` (named on the support page; not publicly reachable).

## Trust and legal

- SOC 2 Type II certified (stated in the site footer; no attestation report or trust center published).
- Privacy Policy states adherence to GLBA and CCPA, and encryption of data in transit and at rest.
- [Privacy Policy](https://www.afficiency.com/privacy-policy/)
- [Terms of Service](https://www.afficiency.com/terms-of-service/)
- [EEO Statement](https://www.afficiency.com/eeo-statement/)
- No security.txt, no published vulnerability disclosure policy, no bug bounty, no status page.
- HSTS is not served on www.afficiency.com; DNSSEC is not enabled on afficiency.com; DMARC is
  published at p=none.

## About this file

Maintained by API Evangelist (https://apievangelist.com) as an independent third-party profile.
Afficiency does not operate or endorse it. Corrections, re-scores and removal are free:
info@apievangelist.com