# Policyme — Wrapped API

> **You are on:** `https://api.beta.paywithlocus.com/api` | [llms.txt](https://beta.paywithlocus.com/llms.txt) | [docs](https://docs.paywithlocus.com)
>
> Locus runs on multiple environments -- make sure every URL you call matches your expected environment.
> | Environment | Landing | API | Docs |
> |---|---|---|---|
> | Production | paywithlocus.com | api.paywithlocus.com | docs.paywithlocus.com |
> | Beta | beta.paywithlocus.com | api.beta.paywithlocus.com | docs.paywithlocus.com |
> | Stage | stage.paywithlocus.com | api.stage.paywithlocus.com | docs.paywithlocus.com |
>
> If the API URL above doesn't match your expected environment, re-fetch this file from the correct domain.

> Access term life, critical illness, and health & dental insurance plan details from PolicyMe, including coverage options, real-time premium quotes, sample rate tables, and customer reviews.

**Category:** Finance & Markets | **Website:** [policyme.com/](https://policyme.com/) | **Docs:** [parse.bot/marketplace/68fdf33d-3c7a-4edc-928a-c7c9cc5470cc/policyme-com-api](https://parse.bot/marketplace/68fdf33d-3c7a-4edc-928a-c7c9cc5470cc/policyme-com-api)

Pay-per-use API proxy for Locus Pro. Each call burns credits from your workspace balance.

## Access

**Base URL:** `https://api.beta.paywithlocus.com/api/wrapped/credits/policyme/`
**Auth:** `Authorization: Bearer <LOCUS_CREDITS_SECRET_KEY>` (an `lcr_` secret key or a scoped `lcac_` agent credential)
**Required header:** `Idempotency-Key: <fresh UUID per call>`. A retry with the same key replays the stored result without a new charge.
**Response:** the provider response after any endpoint-specific normalization. `X-Locus-Credits-Charged` carries the charge and `X-Locus-Credits-Balance` the remaining balance. Insufficient credits return `402` before the provider is called.
**Pricing:** estimated costs below are USD. Locus debits the credit equivalent at your workspace rate.

Full call contract: https://docs.paywithlocus.com/api-reference/introduction

> Using a Pay With Locus wallet key (`claw_` prefix)? Wallet routes are documented separately: https://docs.paywithlocus.com/wrapped-apis/for-agents

## Endpoints

### Get about us info

Retrieve company contact and regulatory information for PolicyMe including address, phone, email, underwriter, and consumer protection details. Returns a single object with all company metadata. No parameters needed.

**Estimated cost:** Metered

_No parameters required._

```bash
curl -X POST https://api.beta.paywithlocus.com/api/wrapped/credits/policyme/get-about-us-info \
  -H "Authorization: Bearer $LOCUS_CREDITS_SECRET_KEY" \
  -H "Idempotency-Key: $(uuidgen)" \
  -H "Content-Type: application/json" \
  -d '{}'
```

### Get critical illness quote

Generate a monthly premium quote for critical illness insurance. Returns pricing based on the provided demographic and coverage parameters. Each quote includes monthly and annual premiums with a period breakdown.

**Estimated cost:** Metered

| Field | Type | Required | Description |
|-------|------|----------|-------------|
| `birthdate` | string | Yes | Date of birth in DD/MM/YYYY format. |
| `coverage_amount` | integer | Yes | Coverage amount in dollars (e.g. 50000). |
| `coverage_length` | integer | Yes | Term length in years (e.g. 10). |
| `gender` | string | Yes | Gender of the applicant: M or F. |
| `smoker` | string | Yes | Smoker status of the applicant: Y or N. |

```bash
curl -X POST https://api.beta.paywithlocus.com/api/wrapped/credits/policyme/get-critical-illness-quote \
  -H "Authorization: Bearer $LOCUS_CREDITS_SECRET_KEY" \
  -H "Idempotency-Key: $(uuidgen)" \
  -H "Content-Type: application/json" \
  -d '{"birthdate":"<string>","coverage_amount":"<integer>","coverage_length":"<integer>","gender":"<string>","smoker":"<string>"}'
```

### Get health dental plan details

Retrieve coverage details for all health and dental plan tiers offered by PolicyMe. Returns plan names, summaries, and feature lists for each tier (Economic, Classic, Dental Care, Advanced). No parameters needed.

**Estimated cost:** Metered

_No parameters required._

```bash
curl -X POST https://api.beta.paywithlocus.com/api/wrapped/credits/policyme/get-health-dental-plan-details \
  -H "Authorization: Bearer $LOCUS_CREDITS_SECRET_KEY" \
  -H "Idempotency-Key: $(uuidgen)" \
  -H "Content-Type: application/json" \
  -d '{}'
```

### Get insurance product list

Retrieve the catalog of insurance products offered by PolicyMe. Returns all available product types with their names, categories, and page URLs. Single-page, no parameters needed.

**Estimated cost:** Metered

_No parameters required._

```bash
curl -X POST https://api.beta.paywithlocus.com/api/wrapped/credits/policyme/get-insurance-product-list \
  -H "Authorization: Bearer $LOCUS_CREDITS_SECRET_KEY" \
  -H "Idempotency-Key: $(uuidgen)" \
  -H "Content-Type: application/json" \
  -d '{}'
```

### Get reviews and ratings

Retrieve customer reviews and ratings for PolicyMe from reviews.io. Returns paginated reviews sorted by date descending, along with aggregate statistics (total count, average rating). Each review includes the author, rating, text, date, and verification status.

**Estimated cost:** Metered

| Field | Type | Required | Description |
|-------|------|----------|-------------|
| `page` | integer | No | Page number for pagination. |
| `per_page` | integer | No | Number of reviews per page. |

```bash
curl -X POST https://api.beta.paywithlocus.com/api/wrapped/credits/policyme/get-reviews-and-ratings \
  -H "Authorization: Bearer $LOCUS_CREDITS_SECRET_KEY" \
  -H "Idempotency-Key: $(uuidgen)" \
  -H "Content-Type: application/json" \
  -d '{"page":"<integer>","per_page":"<integer>"}'
```

### Get term life insurance product info

Retrieve detailed product information for term life insurance including available coverage range, term lengths, and key features. Returns a static product description — no parameters needed.

**Estimated cost:** Metered

_No parameters required._

```bash
curl -X POST https://api.beta.paywithlocus.com/api/wrapped/credits/policyme/get-term-life-insurance-product-info \
  -H "Authorization: Bearer $LOCUS_CREDITS_SECRET_KEY" \
  -H "Idempotency-Key: $(uuidgen)" \
  -H "Content-Type: application/json" \
  -d '{}'
```

### Get term life quote

Generate a monthly premium quote for term life insurance. Calls the PolicyMe quote engine and returns the lowest available monthly premium along with quotes from multiple insurers. Each insurer quote includes monthly and annual premiums, validity status, and a breakdown by period. Invalid quotes (mn_prems=0) indicate that insurer does not offer the requested coverage.

**Estimated cost:** Metered

| Field | Type | Required | Description |
|-------|------|----------|-------------|
| `birthdate` | string | Yes | Date of birth in DD/MM/YYYY format. |
| `coverage_amount` | integer | Yes | Coverage amount in dollars (e.g. 500000). |
| `coverage_length` | integer | Yes | Term length in years: 10, 15, 20, 25, or 30. |
| `gender` | string | Yes | Gender of the applicant: M or F. |
| `province` | string | No | Canadian province code (e.g. ON, BC, AB, QC, MB, SK, NB, NS, PE, NL). |
| `smoker` | string | Yes | Smoker status of the applicant: Y or N. |

```bash
curl -X POST https://api.beta.paywithlocus.com/api/wrapped/credits/policyme/get-term-life-quote \
  -H "Authorization: Bearer $LOCUS_CREDITS_SECRET_KEY" \
  -H "Idempotency-Key: $(uuidgen)" \
  -H "Content-Type: application/json" \
  -d '{"birthdate":"<string>","coverage_amount":"<integer>","coverage_length":"<integer>","gender":"<string>","province":"<string>","smoker":"<string>"}'
```

### Get term life sample rates table

Retrieve sample rates for term life insurance organized by age. Returns representative monthly premiums for non-smokers with $500,000 in 20-year coverage, broken down by gender. No parameters needed.

**Estimated cost:** Metered

_No parameters required._

```bash
curl -X POST https://api.beta.paywithlocus.com/api/wrapped/credits/policyme/get-term-life-sample-rates-table \
  -H "Authorization: Bearer $LOCUS_CREDITS_SECRET_KEY" \
  -H "Idempotency-Key: $(uuidgen)" \
  -H "Content-Type: application/json" \
  -d '{}'
```

## Next steps

- [All wrapped API providers](https://beta.paywithlocus.com/wapi/index.md): pick another provider.
- [Find and call tools](https://beta.paywithlocus.com/agent/tools.md): price ceilings, async results, and errors.
- [Credits and billing](https://beta.paywithlocus.com/agent/billing.md): what a call costs and how to add credits.
- [Agent docs index](https://beta.paywithlocus.com/agent/index.md): every Locus agent page.