Afficiency

Afficiency builds a 100% digital life insurance platform designed from the ground up around a unified API. The system covers the full insurance lifecycle - from quote to policy issue to ongoing administration - and integrates with existing carrier and distributor technology stacks. Underwriting is automated: applications receive instant decisions, require no medical exams, and can result in coverage in under 10 minutes.

The platform is offered on three delivery models: a white-label solution, full API integration, or a hybrid of the two. Products are delivered through carrier and reinsurer partners and span Level Term, Final Expense, Participating Whole Life, Indexed Universal Life and Annual Renewable Term. Technical work at the company centres on API-based platform development, quote-to-policy-issue automation, policy administration systems and systems integration.

Afficiency is headquartered at 200 Vesey Street in New York City. Its stated mission is to make life insurance entirely digital, straightforward to purchase and accessible to a broad audience; the team describes itself as combining insurance domain expertise with engineering.