Insurability score (A-F) API

Score applicant insurability 0-100 from a transparent weighted rubric with EXPLICIT weights (health stability 0.40, financial capacity 0.25, age eligibility 0.20, coverage justification 0.15), returning an A-F grade, a rating bucket, and a per-factor breakdown so the score is auditable. Answers 'how insurable am I', 'insurability grade', 'will I be approved for coverage', 'score insurance eligibility'.

Price$0.01per request

MethodPOST

Route/v1/calc/ins-insurability-score

StatusLive

MIME typeapplication/json

Rate limit120/minute

CacheNo cache

calcinsuranceinsurabilityscorerubricgradeeligibilityunderwriting

API URLhttps://x402.hexl.dev/v1/calc/ins-insurability-score

Integration docs

Example request

{
  "ageEligibility": 0.9,
  "healthStability": 0.8,
  "financialCapacity": 0.7,
  "coverageJustification": 0.8
}

Example response

{
  "method": "weighted insurability rubric",
  "insurabilityScore": 79.5,
  "scale": "0-100 (higher = more insurable)",
  "grade": "C",
  "rating": "insurable — standard",
  "weights": {
    "age": 0.2,
    "health": 0.4,
    "capacity": 0.25,
    "justification": 0.15
  },
  "breakdown": [
    {
      "factor": "age eligibility",
      "value": 0.9,
      "weight": 0.2,
      "contribution": 18
    },
    {
      "factor": "health stability",
      "value": 0.8,
      "weight": 0.4,
      "contribution": 32
    },
    {
      "factor": "financial capacity",
      "value": 0.7,
      "weight": 0.25,
      "contribution": 17.5
    },
    {
      "factor": "coverage justification",
      "value": 0.8,
      "weight": 0.15,
      "contribution": 12
    }
  ]
}

Input schema

{
  "type": "object",
  "required": [],
  "properties": {
    "ageEligibility": {
      "type": "number",
      "examples": [
        0.9
      ],
      "description": "0..1, default 0.7"
    },
    "healthStability": {
      "type": "number",
      "examples": [
        0.8
      ],
      "description": "0..1, default 0.7"
    },
    "financialCapacity": {
      "type": "number",
      "examples": [
        0.7
      ],
      "description": "0..1, default 0.6"
    },
    "coverageJustification": {
      "type": "number",
      "examples": [
        0.8
      ],
      "description": "0..1, default 0.6"
    }
  }
}

Output schema

{
  "type": "object",
  "additionalProperties": true
}