Underwriting risk score API

Score underwriting risk 0-100 from a transparent weighted rubric of normalized 0-1 factors with EXPLICIT weights (health 0.30, age 0.25, lifestyle 0.20, family history 0.15, occupation 0.10), returning a rating class (Preferred Plus → Decline) and a per-factor contribution breakdown so the score is auditable. Answers 'underwriting risk score', 'what rate class do I qualify for', 'preferred vs standard underwriting', 'score insurance risk'.

Price$0.01per request

MethodPOST

Route/v1/calc/ins-underwriting-risk-score

StatusLive

MIME typeapplication/json

Rate limit120/minute

CacheNo cache

calcinsuranceunderwritingrisk-scorerubricrating-classactuarialscore

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

Integration docs

Example request

{
  "ageRisk": 0.4,
  "healthRisk": 0.3,
  "lifestyleRisk": 0.2,
  "familyHistoryRisk": 0.3,
  "occupationRisk": 0.1
}

Example response

{
  "method": "weighted underwriting-risk rubric",
  "riskScore": 28.5,
  "scale": "0-100 (higher = riskier)",
  "ratingClass": "Preferred",
  "weights": {
    "age": 0.25,
    "health": 0.3,
    "lifestyle": 0.2,
    "family": 0.15,
    "occupation": 0.1
  },
  "breakdown": [
    {
      "factor": "age",
      "value": 0.4,
      "weight": 0.25,
      "contribution": 10
    },
    {
      "factor": "health",
      "value": 0.3,
      "weight": 0.3,
      "contribution": 9
    },
    {
      "factor": "lifestyle",
      "value": 0.2,
      "weight": 0.2,
      "contribution": 4
    },
    {
      "factor": "family",
      "value": 0.3,
      "weight": 0.15,
      "contribution": 4.5
    },
    {
      "factor": "occupation",
      "value": 0.1,
      "weight": 0.1,
      "contribution": 1
    }
  ]
}

Input schema

{
  "type": "object",
  "required": [],
  "properties": {
    "ageRisk": {
      "type": "number",
      "examples": [
        0.4
      ],
      "description": "0..1, default 0.5"
    },
    "healthRisk": {
      "type": "number",
      "examples": [
        0.3
      ],
      "description": "0..1, default 0.5"
    },
    "lifestyleRisk": {
      "type": "number",
      "examples": [
        0.2
      ],
      "description": "0..1, default 0.3"
    },
    "familyHistoryRisk": {
      "type": "number",
      "examples": [
        0.3
      ],
      "description": "0..1, default 0.3"
    },
    "occupationRisk": {
      "type": "number",
      "examples": [
        0.1
      ],
      "description": "0..1, default 0.2"
    }
  }
}

Output schema

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