This page will explain how to use Insureio's quoter API - in short, you will post a JSON body to the endpoint provided below, then receive a JSON response with the results (quotes). The quoter API uses the same JSON configuration as the lead import. You can find a detailed explanation on JSON post structure and available fields on our lead import page.


Jump to a section of this page: Requirements Procedure Minimum Fields Required to Quote and Save Minimum Fields Sample JSON Request & Response Carrier Logos


To use the Insureio quoter API, you will need 3 things:

  • The API endpoint URL: https://pinney.insureio.com/quoting/get_quotes.json
  • Your agent ID: To find your agent ID, log into Insureio and look to the top right of your screen. Hover your mouse over the gray “id” box. Your Full Numeric ID (agent ID) will appear, as shown in the image below. If you need to find the agent ID of a team member, you can do so through the Agency Management section. Click here for a full explanation on the lead import page.
  • Your quoter key: To find your quoter key, log into Insureio and visit the Marketing / Links section. Your Insureio link contains your quoter key. The key is the numeric portion of the link between "key=" and "&", as shown in the image below.

Procedure:

Send a POST request to the API endpoint provided above. Include the following headers:
Content-type: application/json
Accept: application/json

The minimum fields required to quote and save that quote as an opportunity record in Insureio are:

  • gender
  • DOB
  • height, expressed in feet and inches (see sample below)
  • weight, expressed in pounds
  • smoker status, expressed as a boolean true/false statement for tobacco use
    • Note: A true/false is enough to get a quote, but when quoting tobacco users, this may not return the most accurate quotes. If tobacco is "true" and no further details are provided, the system will assume your client is a current user of 1 cigarette per day. Click here to view the full set of tobacco fields in the health info section of our lead import page.
  • state
  • coverage duration, expressed as a numeric ID taken from this page
  • amount of coverage
  • health class - this will default to preferred plus, but if any of the details entered do not support that classification, the quoter will return the results supported by the provided details, not the default
  • coverage duration, expressed as a numeric ID taken from this page
  • name (only needed to save)
  • email (only needed to save)

The minimum required JSON request to receive quotes looks like this:

Note: You can find more information about formatting and field names on our Lead Import page.
{
	"agent_id": 4,
	"key": "5e8f802534a343e5559f73a247f33591",
	"crm_connection": {
		"gender": "Male",
		"birth": "1968-08-13",
		"feet": 5,
		"inches": 11,
		"weight": 170,
		"tobacco": false,
		"addresses_attributes": [{
			"state_id": 5
		}],
		"opportunities_attributes": [{
			"category_id": 1,
			"face_amount": "1000000",
			"health_class_id": 1,
			"premium_mode_id": 1
		}]
	}
}
A properly formed request will return a 200 response with appropriate quote results (partial results shown below):
{
	"results": [{
			"carrier": {
				"am_best": "A+",
				"compulife_code": "UTOM",
				"description": "Mutual of Omaha began in 1909 as Mutual Benefit Health and Accident Association; United Benefit Life Insurance company was founded in 1926 and The company's name was changed to United of Omaha in 1981. Mutual of Omaha offers a variety of financial protection services including life insurance, annuities, and long term care. Mutual of Omaha had total assets of $12.9 billion, with net life insurance of $157 billion in 2009. ",
				"existing_on": true,
				"fitch": "N/A",
				"id": 7,
				"moodys": "Aa3",
				"naic_code": 69868,
				"name": "United of Omaha Life Insurance Company",
				"pinney_rating": 4,
				"quoting_on": true,
				"replacing_on": true,
				"sprite_offset": 9,
				"standard_poors": "AA-",
				"updated_at": "2014-02-28T19:11:26Z"
			},
			"period": 3,
			"face_amount": 1000000,
			"company_name": "United of Omaha Life Insurance Company",
			"product_code": "UTPQ",
			"product_name": "Term Life Answers 10 ",
			"health_code": "P+",
			"health_category": "Preferred Plus Non-Tobacco ",
			"monthly_premium": 67.59,
			"annual_premium": 772.5,
			"policy_fee": "62.50"
		},
		{
			"carrier": {
				"am_best": "A+",
				"compulife_code": "PROT",
				"description": "Life is unpredictable, protective offers financial protection and retirement savings products to help you secure your future.",
				"existing_on": true,
				"fitch": "A",
				"id": 54,
				"moodys": "A2",
				"naic_code": 68136,
				"name": "Protective Life Insurance Company",
				"pinney_rating": 4,
				"quoting_on": true,
				"replacing_on": true,
				"sprite_offset": 43,
				"standard_poors": "AA-",
				"updated_at": "2014-02-28T19:11:27Z"
			},
			"period": 3,
			"face_amount": 1000000,
			"company_name": "Protective Life Insurance Company",
			"product_code": "PTCP",
			"product_name": "Custom Choice UL - 10 Year No Lapse ",
			"health_code": "P+",
			"health_category": "Select Preferred Non-Tobacco ",
			"monthly_premium": 68.39,
			"annual_premium": 795.36,
			"policy_fee": "0.00"
		},
		{
			"carrier": {
				"am_best": "A+",
				"compulife_code": "LNNA",
				"description": "Lincoln Financial Group is a diversified financial services organization headquartered in the Philadelphia region. The Lincoln National Life Insurance Company offers a full line of life insurance and annuity products, including universal life, variable life, whole life and term life insurance. Two of their plans are Lincoln Level Term and Lincoln Pro Term. Lincoln National Life Insurance Company alone has total assets of $87 billion, as of 2009 and has been serving the financial needs of customers across the U.S and the United Kingdom since 1905.",
				"existing_on": true,
				"fitch": "A+",
				"id": 32,
				"moodys": "A2",
				"naic_code": 65676,
				"name": "Lincoln National Life Insurance Company",
				"pinney_rating": 3,
				"quoting_on": true,
				"replacing_on": true,
				"sprite_offset": 20,
				"standard_poors": "AA-",
				"updated_at": "2014-02-28T19:11:27Z"
			},
			"period": 3,
			"face_amount": 1000000,
			"company_name": "Lincoln National Life Insurance Company",
			"product_code": "LNIP",
			"product_name": "LifeElement (R) Level Term 10 (2017) ",
			"health_code": "P+",
			"health_category": "Preferred Plus Non-tobacco ",
			"monthly_premium": 68.7,
			"annual_premium": 785,
			"policy_fee": "90.00"
		},
	],
	"kase_id": null,
	"client_id": null,
	"address_id": null,
	"health_info_id": null,
	"financial_info_id": 1636,
	"quoted_details_id": null,
	"health_history": null
}

Results contain the product details (carrier name, product name, rate class, premium info, etc.), as well as a company description, financial ratings, and a logo "sprite" offset, as shown in the sample image below and highlighted with arrows:

Carrier Logos

The Insurieo quoter also provides logos for the carriers it quotes. Currently, we provide a single sprite file, but this will eventually be replaced with individual logos. Until then, you can access the sprite file at https://pinney.insureio.com/images/carriers.png which you are free to use. This file contains all of the carrier logos available. To use it as a sprite, set it as the background of a fixed-size element (162px by 60px), and specify a vertical offset. The vertical offset is the value of any results's sprite node in pixels. For example, if I am processing a result which contains -2040, then my element should have an attribute of style="background-position: 0 -2040px". To make a CSS rule for your carrier sprite elements, you might do something like the following:
.carrier-sprite {
  background-image: url(https://pinney.insureio.com/images/carriers.png);
  height: 60px;
  width: 162px;
}