Simulate price range

Returns the sellable price range of a selection — the lowest and highest possible final price for each product, varying only the commission within your band (commission_bounds). Use it to build offers with a custom price: the value sent in commission_data with commission_type: total_gross_premium_amount in the order must be within this range.

Like the quote, the simulation is a calculator: nothing is persisted.

Request

ENDPOINT

/v1/insurance/simulate

METHOD

POST

The request uses the same products[] list as the quote — without commission_data: the simulation sweeps the entire commission band, so sending a commission is a 400.

Request Body
{
  "products": [
    {
      "product_key": "9d1f8c7a-3b21-4e60-8a2f-1c5d7e9b0a44",
      "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"
  }
}

Response

STATUS

200

Response Body
{
  "total_order_floor_amount": 583.10,
  "total_order_ceiling_amount": 686.42,
  "products": [
    {
      "product_key": "9d1f8c7a-3b21-4e60-8a2f-1c5d7e9b0a44",
      "result": "priced",
      "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",
      "term": {
        "start_date": "2026-07-16",
        "end_date": "2028-07-15"
      },
      "price_range": {
        "floor_gross_premium_amount": 583.10,
        "ceiling_gross_premium_amount": 686.42,
        "floor_requester_amount": 29.16,
        "ceiling_requester_amount": 137.28,
        "minimum_requester_rate": 0.0500,
        "maximum_requester_rate": 0.2000
      },
      "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": {}
        }
      ]
    }
  ],
  "eligibility": "eligible"
}

Response attributes

Field	Type	Description
`total_order_floor_amount`	number	Lowest possible total amount of the order (every commission at the minimum rate).
`total_order_ceiling_amount`	number	Highest possible total amount of the order (every commission at the maximum rate).
`products`	array	One line per requested product, in request order. Rejected lines are byte-identical to the quote's — `product_key`, `result: "rejected"` and `decline_reasons` — because they were refused for the same reason, at the same stage.
`eligibility`	string	Eligibility verdict of the simulation: `eligible`, `declined` or `not_evaluated`.

Object in `products` (priced line)

A simulated line is the quote's line with every premium field replaced by one range: same identity, same classification, same echoed term, same realized coverages — only the money differs. It carries product_key, result, name, provider_name, product_category, insurance_class, contract_instrument_type, regulator_registration, term, price_range and services[].

services[] has exactly the quote's shape minus the coverage's gross_premium_amount: a per-coverage premium is a decomposition at precisely the grain a range deliberately declines to commit to. Everything else — the resolved insured amount, the per-unit pair, deductible, waiting period and attributes — stays, because it is what you are selling.

`price_range` object

Field	Type	Description
`floor_gross_premium_amount`	number	Lowest possible final price of the product (commission at the minimum rate).
`ceiling_gross_premium_amount`	number	Highest possible final price of the product (commission at the maximum rate).
`floor_requester_amount`	number	Your commission in BRL at the floor of the range.
`ceiling_requester_amount`	number	Your commission in BRL at the ceiling of the range.
`minimum_requester_rate`	number	Minimum rate of your commission band for the product.
`maximum_requester_rate`	number	Maximum rate of your commission band for the product.

A total_gross_premium_amount equal to the floor or the ceiling of the range uses exactly the minimum_requester_rate/maximum_requester_rate, with no intermediate rounding.

No premium on a simulation

A simulation returns no gross_premium_amount, iof_amount or net_premium_amount, at any level. The range's own endpoints are the only premium figures on this surface. For the committed, fully decomposed price, use the quote.

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 — including `commission_data` present on any line.
`401` / `403`	—	Authentication or authorization failure.
`429`	—	Request rate limit exceeded — retry with backoff.
`503`	—	Pricing engine unavailable. Retry the call.

Request​

Response​

Response attributes​

Object in products (priced line)​

price_range object​

Possible errors​