Create quote

Prices a selection of products and coverages for a customer. The quote is a calculator: nothing is persisted and no resource is created. The order uses exactly the same products[] list and is re-priced with the same engine at submission.

The quote is indicative

Quote and order both run against the current configuration — there is no quote token, no rate snapshot and no validity window. If the rate or the product configuration changes between the quote and the submission, the price changes: the price calculated at order submission is the one that counts.

A quote can combine multiple products, each insuring its own risk object. The typical case: a car sold with financing produces an order with the credit life product (risk object = the credit operation) and the auto product (risk object = the vehicle).

Request

ENDPOINT

/v1/insurance/quote

METHOD

POST

For off-the-shelf products — sold as-is, with your integration's default coverages and default commission — the product entry only needs product_key, term and risk_object. This is the ideal scenario for partners selling fixed products, with no customization:

Request Body — off-the-shelf product

{
  "products": [
    {
      "product_key": "9d1f8c7a-3b21-4e60-8a2f-1c5d7e9b0a44",
      "term": {
        "start_date": "2026-07-16",
        "end_date": "2028-07-15"
      },
      "risk_object": {
        "type": "credit_operation",
        "insurable_value": 50000.00,
        "attributes": {
          "installment_amount": 1050.00,
          "number_of_installments": 48
        }
      }
    }
  ],
  "customer": {
    "date_of_birth": "1987-03-22",
    "occupation_code": "211205"
  }
}

With services omitted, every coverage with a default configuration for your integration is filled in automatically; with commission_data omitted, the default_rate of the product's commission_bounds band applies.

To customize the selection — choosing coverages, insured amount, deductible, waiting period or the commission — send services and commission_data explicitly:

Request Body — customized selection

{
  "products": [
    {
      "product_key": "9d1f8c7a-3b21-4e60-8a2f-1c5d7e9b0a44",
      "commission_data": {
        "commission_type": "percentage_of_gross_premium",
        "value": 0.1000
      },
      "term": {
        "start_date": "2026-07-16",
        "end_date": "2028-07-15"
      },
      "services": [
        {
          "service_key": "0a3c5e7f-2b4d-4a6c-8e0f-1a3b5c7d9e2f",
          "insured_amount_basis": "monetary_amount",
          "insured_amount": 50000.00
        }
      ],
      "risk_object": {
        "type": "credit_operation",
        "insurable_value": 50000.00,
        "attributes": {
          "installment_amount": 1050.00,
          "number_of_installments": 48
        }
      }
    }
  ],
  "customer": {
    "date_of_birth": "1987-03-22",
    "occupation_code": "211205"
  }
}

Request attributes

Field	Type	Required	Description
products	array	required	The product selection to price, a top-level field of the request — the same format used by the order. One entry per product.
customer	object	optional	Insured person's data used in pricing and in the eligibility evaluation, as a flat object (no wrapper). When omitted, eligibility is not evaluated (eligibility returns not_evaluated) — and products whose rate depends on customer data are rejected with NOT_PRICEABLE.

Object in products

Field	Type	Required	Description
product_key	string	required	Product key from the catalog.
commission_data	object	optional	The desired commission form (see below). When omitted, the default_rate of the product's commission_bounds band applies.
term	object	required	The product's term, in absolute dates: { "start_date": "YYYY-MM-DD", "end_date": "YYYY-MM-DD" }. Required on every entry — there is no duration form and no selection-level default term. Products in the same order may have different terms.
services	array	optional	Explicit coverages. When omitted or empty, every coverage with a default configuration for your integration is filled in automatically.
risk_object	object	conditional	The object this product insures. Required for valued-risk products (credit_operation, vehicle); omitted when the subject of the insurance is the person (person).

commission_data object

Field	Type	Required	Description
commission_type	string	required	percentage_of_gross_premium (rate over the gross premium), monetary_amount (fixed commission in BRL, target value) or total_gross_premium_amount (desired final price to the customer, target value). The three forms are mutually exclusive.
value	number	required	The value of the chosen form: a rate with 4 places (e.g. 0.1000), an amount in BRL (e.g. 61.73) or a total price (e.g. 650.00).

In any form, the resulting effective rate is validated against the product's commission_bounds band — a violation rejects the line with OUT_OF_BOUNDS_COMMISSION. In the value-based forms (monetary_amount, total_gross_premium_amount), the value is a target: the realized amount may vary by cents due to rounding.

Object in services

Field	Type	Required	Description
service_key	string	required	Coverage key from the catalog. It is the only required field of the item: omit the rest and your default configuration for the coverage applies.
insured_amount_basis	string	conditional	Insured amount basis: monetary_amount, percentage_of_risk_value or unit_amount_times_count. Stating the basis makes its matching value field required.
insured_amount	number	conditional	Insured amount in BRL. Required when the basis is monetary_amount.
insured_amount_percentage	number	conditional	Percentage of the risk object's value, in (0, 1] (1.0000 = 100%). Required when the basis is percentage_of_risk_value; resolved against the line's risk object insurable_value.
unit_amount	number	conditional	Amount per indemnity unit (e.g. BRL 100 per daily benefit). Required, together with unit_count, when the basis is unit_amount_times_count. It must belong to the coverage's indemnity_unit_options envelope.
unit_count	integer	conditional	Number of indemnity units (e.g. 60 dailies). Required, together with unit_amount, when the basis is unit_amount_times_count.
deductible_data	object	optional	Deductible, in the typed shape { "deductible_type": "monetary_amount", "value": 1500.00 }. The deductible_type must match the coverage's deductible_options envelope, and the value must belong to the option space.
waiting_period_days	integer	optional	Waiting period in days, within the coverage's waiting_period_options.

risk_object object

Field	Type	Required	Description
type	string	required	Risk object type: credit_operation, vehicle or person.
insurable_value	number	conditional	Value of the risk object. Required for credit_operation and vehicle; not applicable to person. Caps the insured amount of the coverages tied to the risk value — coverages with a stipulated limit respect only their own maximum_insured_amount.
attributes	object	optional	Risk object attributes used in pricing, specific per line of business (e.g. for a credit operation, installment_amount and number_of_installments).

customer object

The object is flat — there is no data wrapper.

Field	Type	Required	Description
document_number	string	optional	Insured person's CPF or CNPJ.
name	string	optional	Full name.
email	string	optional	Email.
phone_number	string	optional	Phone number in E.164 format.
date_of_birth	string	optional	The insured person's date of birth, as YYYY-MM-DD. The age used in pricing and in the eligibility rules (e.g. maximum age at end of term) is derived from it on every call — there is no age field.
occupation_code	string	optional	Insured person's occupation code (CBO).
address	object	optional	The insured person's address, in the same shape used on the order.

Response

STATUS

200

Response Body

{
  "total_order_amount": 617.28,
  "products": [
    {
      "product_key": "9d1f8c7a-3b21-4e60-8a2f-1c5d7e9b0a44",
      "name": "Prestamista Master",
      "provider_name": "QI Seguradora",
      "product_category": "insurance",
      "insurance_class": {
        "name": "credit_life",
        "class_number": "0977",
        "group_number": "09"
      },
      "contract_instrument_type": "ticket",
      "regulator_registration": "15414.900388/2015-21",
      "result": "priced",
      "term": {
        "start_date": "2026-07-16",
        "end_date": "2028-07-15"
      },
      "gross_premium_amount": 617.28,
      "iof_amount": 2.35,
      "net_premium_amount": 614.93,
      "services": [
        {
          "service_key": "0a3c5e7f-2b4d-4a6c-8e0f-1a3b5c7d9e2f",
          "service_type": {
            "code": "credit_life",
            "name": "Prestamista (Credit Life)"
          },
          "service_category": "insurance",
          "regulator_registration": null,
          "insured_amount": 50000.00,
          "unit_amount": null,
          "unit_count": null,
          "deductible_data": {
            "deductible_type": "monetary_amount",
            "value": 1500.00
          },
          "waiting_period_days": 30,
          "service_attributes": {},
          "gross_premium_amount": 617.28
        }
      ]
    }
  ],
  "eligibility": "eligible"
}

Response attributes

Field	Type	Description
total_order_amount	number	Sum of the gross premiums of the priced (priced) products, IOF-inclusive.
products	array	Result per product. Each line is evaluated independently: a rejected product never poisons its siblings in the quote (in the order, any rejected line makes the whole order start as rejected).
eligibility	string	Eligibility verdict of the quote: eligible, declined (some eligibility rule failed) or not_evaluated (customer was not sent — not an approval).

Object in products

Field	Type	Description
product_key	string	Key of the evaluated product.
name / provider_name	string	Commercial name of the product and of the insurer.
product_category	string	Product category: insurance, capitalization or benefit.
insurance_class	object	Insurance line of business: { name, class_number, group_number }. null for non-insurance products.
regulator_registration	string	Registration of the product with the regulator.
contract_instrument_type	string	The product's contract instrument: ticket or policy. Echoed here so you learn the instrument — and therefore which acceptance methods are legal — before collecting acceptance on the order.
result	string	priced or rejected. Present on every line.
term	object	The term you submitted, echoed back. Present when priced.
gross_premium_amount	number	Gross premium of the product, with IOF — the exact sum of the coverage premiums. Present when priced.
iof_amount	number	IOF of the product. Present when priced.
net_premium_amount	number	Net premium of the product, without IOF. Present when priced.
services	array	Priced coverages, each with its premium. Present when priced.
decline_reasons	array	Rejection reasons, one { code, detail } entry per underlying failure — two coverages of the same line breaching their option spaces produce two entries under the same code. Present only when rejected.

Object in services

Field	Type	Description
service_key	string	Coverage key.
service_type	object	Coverage type: { code, name }.
service_category	string	Coverage category: insurance, capitalization or benefit.
regulator_registration	string	The coverage's own SUSEP registration. null when the coverage inherits the product's.
insured_amount	number	Resolved insured amount — the percentage already applied over the risk object's value, the per-unit pair already multiplied out. You never recompute it.
unit_amount	number	Amount per indemnity unit. null when the coverage is not unit-priced.
unit_count	integer	Number of indemnity units. null when the coverage is not unit-priced.
deductible_data	object	Applied deductible: { deductible_type, value }. null when the coverage has no deductible.
waiting_period_days	integer	Applied waiting period, in days. null when the coverage has no waiting period — which is not the same as a 0-day one.
service_attributes	object	Fixed coverage attributes, echoed from the catalog.
gross_premium_amount	number	Gross premium of the coverage, rounded to 2 places.

Rejection reasons

When result is rejected, the line carries only product_key, result and decline_reasons — nothing is being offered, so nothing is described: no name, no classification, no term, no premiums and no services. Always branch on result, never on which fields happen to be present.

Evaluation happens in stages (structure → pricing → eligibility): the returned reasons always belong to the same stage — the first one to fail — collected in full.

Rejected line

{
  "product_key": "9d1f8c7a-3b21-4e60-8a2f-1c5d7e9b0a44",
  "result": "rejected",
  "decline_reasons": [
    {
      "code": "OUT_OF_OPTION_SPACE",
      "detail": "deductible 2000.00 is not in the option list for coverage credit_life"
    }
  ]
}

Code	Meaning
NOT_ENTITLED	Your integration is not enabled to sell this product.
INACTIVE_PRODUCT	The product is inactive (or the key is unknown).
INACTIVE_SERVICE	A selected coverage is inactive.
UNKNOWN_SERVICE	A service_key does not belong to this product.
MISSING_MANDATORY_SERVICE	The selection omits a mandatory coverage of the product.
DEPENDENCY_VIOLATION	The selection violates the coverage dependencies (include/exclude).
OUT_OF_OPTION_SPACE	Insured amount, deductible or waiting period outside the coverage's option space — including a type that diverges from the envelope, a value outside the list/range/step, or a value sent for a coverage with no deductible/waiting period (null envelope).
INVALID_INSURED_AMOUNT_BASIS	The insured amount basis is not compatible with the line — e.g. a coverage tied to the risk value on a line without insurable_value. Applies to any basis.
NOT_PRICEABLE	The engine could not produce a price: a rating input is not resolvable (e.g. the rate depends on customer data and it was not sent).
ZERO_PREMIUM	The whole line priced at zero cost. A single free coverage is valid (it comes out with gross_premium_amount: 0.00); the whole line at zero is rejected.
INELIGIBLE	An eligibility rule failed (e.g. maximum age at maturity). The entry's detail names the rule and the values that failed it.
OUT_OF_BOUNDS_COMMISSION	The effective commission derived from commission_data is outside the product's commission_bounds band.
DELEGATED_UNSUPPORTED	Product with pricing delegated to the insurer — reserved, not yet supported.
STALE_DEFAULT	A default configuration of your integration points to a coverage that is no longer active — contact support to update the default.

Possible errors

Every error (non-2xx) returns the standard body { "title", "description", "translation", "code" } — treat only the code field programmatically.

Status	Code	Description
400	QIT000001	Malformed request: invalid schema, empty products, product without term, insured amount basis without its corresponding value field, insurable_value missing for credit_operation/vehicle, structurally malformed deductible_data, a customer.date_of_birth outside the calendar or in the future.
401 / 403	—	Authentication or authorization failure.
429	—	Request rate limit exceeded — retry with backoff.
503	—	Pricing engine unavailable — the quote fails fast, with no cached price. Retry the call.