Overview

The pricing step offers two operations, both calculators: nothing is persisted and no resource is created. The difference is the question each one answers.

• The quote (POST /v1/insurance/quote) answers "how much does this selection cost?" — it calculates the exact price of a selection of products and coverages for a specific commission configuration (the one sent in commission_data, or the product's default when omitted).
• The simulation (POST /v1/insurance/simulate) answers "for how much can I sell this selection?" — it calculates the sellable price range of each product, varying only the commission between the minimum and maximum of your band (commission_bounds). That is why it does not accept commission_data: the entire band is swept.

Quote vs. simulation

	Quote	Simulation
Answers	The exact price of the selection.	The lowest and highest possible final price per product.
Commission	One specific configuration (commission_data or the product's default).	Sweeps the entire commission_bounds band — sending commission_data is a 400.
Returns	gross_premium_amount per product and per coverage, with the eligibility verdict.	price_range per product: premium floor and ceiling, commission in R$ and rates at both ends.
Use it to	Display the price of a closed offer before submitting the order.	Build offers with a custom price: discover the limits before choosing a total_gross_premium_amount.

Both requests use the same products[] list as the order — the only structural difference is whether commission_data is present.

Typical flow

1. Simulate the selection to discover the sellable price range of each product.
2. Choose the final price within the range and quote with commission_type: total_gross_premium_amount to see the exact price and the eligibility verdict.
3. Submit the order with the same products[] list — it is repriced by the same engine at submission time.

Prices are indicative

Quote and simulation run against the current configuration — there is no quote token, rate snapshot or validity period. The price calculated at order submission is the one that counts.

Endpoints

Endpoint	Description
POST /v1/insurance/quote	Prices a selection with a specific commission configuration.
POST /v1/insurance/simulate	Returns the sellable price range of a selection, varying the commission.