VA Pricing & Risk API

Stripe for VA pricing — API-first, pay-per-compute, zero implementation overhead.

Stateless computation, not a data platform

Send contract parameters, receive valuations and Greeks. We store no policyholder data, no PII, no portfolios. Every call is stateless: numbers in, numbers out.

No SOC 2 requirement. No data breach liability. No months-long implementation. Subscribe on AWS Marketplace and start calling in minutes.

POST /v1/price

{
  "contract": {
    "rider_type": "GMWB",
    "initial_investment": 200000,
    "rider_charge_bps": 115,
    "withdrawal_rate": 0.05,
    "rollup_rate": 0.05
  },
  "scenarios": {
    "paths": 10000,
    "model": "heston"
  },
  "outputs": ["pv", "cashflows", "greeks"]
}

→ pv, cashflows[], greeks { delta, vega, rho }

Tier 1 — Deterministic

$500/mo

Advisor platforms, fintechs, small carriers

Single-path projection for any VA/RILA structure
All 5 guarantee types (GMDB, GMAB, GMWB, GMWB+R, GMIB)
Configurable fees, surrender schedules, withdrawals
< 200ms response time per contract
10,000 API calls/month

Tier 2 — Stochastic

$2–5K/mo

Mid-tier carriers, reinsurers, consulting firms

Everything in Tier 1
Monte Carlo: 1,000–100,000 paths per request
Risk-neutral + real-world scenario sets
CTE measures for reserving (VM-21, C3 Phase II)
Batch mode for full product shelf evaluation

Tier 3 — Risk & Sensitivity

$5–15K/mo

Hedging desks, reinsurer risk teams

Everything in Tier 2
Greeks: Delta, Vega, Rho, Gamma, Theta via AAD
Stress testing with custom multi-factor grids
Hedge ratio computation
Dedicated compute for latency-sensitive workflows

Disclaimer: API outputs are computational tools, not regulatory filings. Users must independently validate all results before use in reserve calculations, product pricing, or regulatory submissions. VariableAnnuityGuide.com does not provide financial advice or actuarial certification.

The engine is already built and benchmarked

138×

VaR + 15 Greeks speedup

vs bump & revalue baseline

accuracy difference

AADC matches B&R exactly

12 kernels

serve 1,002 policies

compiled AVX2 tape reuse

See the live AADC performance demo →

Why not build in-house?

In-house quant team

$1–3M/year in quant salaries
6–12 months to production
Ongoing maintenance and model risk
Difficult to hire and retain

VariableAnnuityGuide API

$6K–180K/year (10–30× cheaper)
Start calling in minutes
Versioned, documented methodology
No infrastructure to maintain

Request early access

The computation engine is built and benchmarked. We're onboarding early partners for the hosted API. Tell us about your use case.

Request Early Access See Live Demo