Create a quote
Rates the stored census and returns a complete quote synchronously. Deterministic: the same census, start date, and pricing configuration always produce the same numbers. Groups above the in-review threshold (default 200 employees) return status: in_review and are finalized by underwriting (webhook quote.finalized). Quotes expire per configuration (default 30 days). Rate limit: 60 quote creates per hour. All quotes are indicative pending underwriting confirmation.
Authorizations
Partner API key. psk_test_<32 hex> for test mode, psk_live_<32 hex> for live mode. Keys are stored hashed and cannot be recovered; store them in your secrets manager on issue.
Headers
Any unique string (UUIDs work well). Replaying the same key within 24 hours returns the stored response instead of re-executing the request.
255Path Parameters
Group ID, e.g. grp_8c2f41d09a3e.
^grp_[0-9a-f]{12}$Body
Response
The quote.
"qt_5b9e2c7f10ad"
"grp_8c2f41d09a3e"
test, live ready for most groups (synchronous). Groups above the in-review employee threshold (default 200) return in_review and are finalized by Prescience underwriting; listen for the quote.finalized webhook.
ready, in_review, expired Always indicative: rates are indicative pending underwriting confirmation and bind only at enrollment plus underwriting sign-off.
"indicative""2026-09-01"
Expiry is configuration-driven; the default window is 30 days after creation. Enrolling against an expired quote returns 410 quote_expired.
Pricing metadata: which configuration layer produced this quote. Additive in v1.1; absent on quotes created before it. All other quote fields are unchanged.