---
title: "Embedded Insurance Pricing Modeller"
method: POST
path: "/v1/tools/model_embedded_insurance_pricing"
tags: ["embedded-insurance", "insurtech", "loss-ratio", "GWP", "combined-ratio", "IDD", "FCA", "BNPL", "pricing-model", "breakeven", "reinsurance", "Zero-PII"]
---

# Embedded Insurance Pricing Modeller

`POST /v1/tools/model_embedded_insurance_pricing`

## Request

- Base URL: `https://ainumbers.co`
- URL: `https://ainumbers.co/v1/tools/model_embedded_insurance_pricing`
- Auth: none declared

Model pricing, loss ratios, and unit economics for embedded insurance products distributed through non-insurance platforms (BNPL, e-commerce, mobility, fintech). Calculates gross written premium, expected loss ratio, expense ratio, combined ratio, and breakeven metrics. Client-side. Works offline. Zero PII.

**Tool URL:** https://ainumbers.co/tools/446-embedded-insurance-pricing-modeller.html

## Request body

- object
  - `itemValue` number, required
  - `premiumPct` number, required
  - `attachRate` number, required
  - `monthlyTx` integer, required
  - `lossRatio` number, required
  - `commissionPct` number, required
  - `opexPct` number, required
  - `reinsCeded` number
  - `jurisdiction` string
  - `distChannel` string

## Response `200`

Successful tool execution result

- object
  - `annualGWP` number
  - `combinedRatio` number
  - `uwProfit` number
  - `breakevenLR` number

---

[API](https://skmtc.dev/ainumbers/apis/ainumbers-co-fintech-intelligence-suite.md) · [All operations](https://skmtc.dev/ainumbers/apis/ainumbers-co-fintech-intelligence-suite/llms.txt) · [OpenAPI document](https://skmtc.dev/ainumbers/apis/ainumbers-co-fintech-intelligence-suite/revisions/b462e4f5bb28?raw)