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OmniLife Simple API

Life insurance pricing your software can read.

Compare premiums across retail life insurers in one API call. Simple is built on OmniLife, the pricing engine Omnium has run for more than 12 years. A monthly fee includes your first 50 clients, then each extra client is charged at a rate that drops as you grow.

See it quote See pricing

OmniLife's pricing, behind a smaller API.

OmniLife prices new-business life insurance for Australian advisers and platforms. It's thorough, and that thoroughness shows up as large request models and insurer-specific codes that take effort to integrate.

Simple puts that engine behind a smaller API. Describe the person you're insuring and the cover they need, and get back premiums, projections and feature comparisons.

  • Plain names, in and out

    Covers, options and results use plain names, the same in the request and the response. There are no letter codes to look up.

  • Compare across insurers

    One request prices a scenario across the insurers on your account, and returns each one's premium, product and cover breakdown.

  • Ready for AI agents

    An MCP server exposes quoting, clients and billing as tools, and every error carries a stable code an agent can act on.

  • Pay per client, not per call

    A monthly fee includes your first 50 clients. A client counts once, when you first service them, then is covered for 60 days, however many times you quote them in that window.

How it works

From credentials to premiums in four steps.

  1. Get your credentials

    Omnium sets up your account and gives you a client ID and secret. Exchange them for a token.

  2. Add a client

    Save the person you're insuring once: age or date of birth, gender, occupation, state, smoker status and income.

  3. Describe the cover

    Send the covers and options you want, such as Life, TPD, Trauma or Income Protection.

  4. Read the results

    Get premiums, projections or a feature comparison. Change the scenario and send it again as often as you like.

What's included

Quoting, client records and developer tools.

Quoting

  • Premiums from multiple insurers in a single call
  • Life, TPD, Trauma, Income Protection, Business Expenses, Needle Stick and Child Trauma
  • Year-by-year premium projections, with optional indexation
  • Side-by-side feature comparisons for each cover
  • Commission handled for you: Auto, Hybrid, Level or None
  • Yearly or monthly premiums, with stamp duty and any possible rollover rebate shown separately

Clients

  • Save a client once and quote them any time
  • Age or date of birth, with the age used for pricing always shown
  • One occupation, mapped to every insurer's occupation list
  • Sync changes using date filters and your own reference IDs
  • Personal information purged automatically when retention ends

Built for developers and AI

  • An MCP server, so AI agents can quote directly
  • Errors that say what went wrong and how to fix it
  • A published OpenAPI spec with worked examples
  • A "will this cost me?" check before you quote
  • A v1 that only ever changes additively

See it quote

One scenario, three calls.

A 30-year-old non-smoking accountant in NSW, earning $100,000. Move the sliders to change the cover, and see the exact request and response.

Sample data for illustration. Premiums are indicative and don't reflect a real person.
Request
// POST /api/v1/clients/{clientId}/quotes
{
  "quoteOptions": {
    "commissionType": "Auto",
    "paymentFrequency": "Monthly"
  },
  "covers": {
    "life": { "sumInsured": 1000000 },
    "tpdExtensionToLife": { "sumInsured": 500000 },
    "incomeProtection": { "monthlyBenefit": 5500 }
  }
}
Response
// 200 OK (excerpt)
{
  "quotedAge": 30,
  "results": [{
    "supplierName": "Example Life",
    "allNeedsMet": true,
    "premiumTotal": {
      "premium": 214.60,
      "stampDuty": 11.08,
      "totalPremium": 225.68
    },
    "covers": {
      "life": { "totalPremium": 64.10 },
      "tpdExtensionToLife": { "totalPremium": 15.02 },
      "incomeProtection": { "totalPremium": 146.56 }
    },
    "errors": []
  }]
}

For developers

OAuth2, OpenAPI, MCP and stable error codes.

Authentication

OAuth2 client credentials. Exchange your client ID and secret at POST /api/auth/token for a bearer token that lasts an hour.

The spec

The full OpenAPI document is published at /openapi/v1.json, with a description on every field and worked examples for the common calls. Point your code generator, or your AI coding assistant, at it.

MCP for AI agents

Connect an MCP-capable agent to /mcp over streamable HTTP with the same token. It gets 13 tools covering suppliers, occupations, clients, quoting and billing.

Errors and stability

Every failure returns a problem document with a stable code to branch on, plus a correlation ID to quote to support. v1 only changes additively: new fields may appear, and nothing is removed or renamed without a new version.

Pricing

Pay for the clients you serve.

One monthly fee covers licensing, support, your API connection and your first 50 clients. Beyond that, the rate per client drops as you grow.

Monthly fees, excluding GST
Clients in a month Rate
Monthly fee, including your first 50 clients$500
51 to 100$8 per client
101 to 300$6 per client
301 and over$5 per client

All prices exclude GST. Each band is charged at its own rate: 120 clients in a month is $500 + (50 × $8) + (20 × $6) = $1,020.

What counts as a client?

A client counts once, when you first quote, project or research them. They're then covered for 60 days, so repeat calls in that window cost nothing, even if they cross into the next month.

Before you quote, the API can tell you whether a client is still covered, so an agent working through your book never has to guess what a call will cost.

FAQ

Common questions.

What is a "client"?

The person being insured. Each one you quote, project or research is a client serviced for billing. The business using the API, meaning you, is never a client.

Do repeat quotes for the same person cost more?

No. A client is charged once when first serviced, and further quotes, projections or research calls for them in the next 60 days are free.

Which insurers are included?

Simple prices across the retail insurers available on your account. The supplier list the API returns is specific to you, so you always quote against what you can actually sell.

Are the premiums real?

Premiums come from the same pricing engine Omnium uses across its platforms, and are indicative. A final premium is always subject to the insurer's own application and underwriting.

Can an AI agent use it?

Yes. Simple has an MCP server at /mcp with 13 tools, and every error carries a stable code an agent can branch on.

What happens to client personal information?

Each client has a retention period: three years by default, extended whenever the client is serviced. When it ends, personal information is purged automatically. Billing records remain.

How do I get started?

Talk to us. Omnium sets up your account and gives you credentials, and you can make your first quote the same day.

Ready to see it with your own clients?

Talk to us about access, pricing, or how Simple fits with what you're building.

Prefer email? support@omnium.com.au

Thanks, we've got it.

Someone from Omnium will be in touch about setting up your account.

Choose two insurers to include in your trial results

Pick any two.