The State of Canadian Insurance APIs

About this paper

Canada has been the same shape in every market I have scored: small, concentrated, federally supervised and provincially regulated, dominated by a handful of institutions, and thin exactly where a developer or an agent needs a contract. Canadian insurance is the most extreme case yet — the lowest-scoring insurance market of the four, with a ceiling held by a digital broker founded in 2019.

The federal regulator publishes a better API than any insurer it supervises. Manulife scores 8.3. And Canada is the only market in this study with a real, published, tiered insurance API certification programme — whose table lists the country’s largest P&C insurer as “Not Yet Rated,” and whose scope model sits behind membership. Canada built the scoreboard the rest of the world lacks and then made the substance of it unreadable. The full report maps the taxonomy, the CSIO and CLIEDIS standards channels, the agent-readiness read, provider-by-provider intelligence, and the largest uncontested whitespace in the study.

What's inside

1. Executive summary — the emptiest market with the best machinery
2. The state of the sector — the most fragmented supervision of the four
3. The resource taxonomy — nine documents for a national industry
4. CSIO — the scoreboard nobody in the world has, ignored at home
5. The composite Kin Score — and the provenance caveat
6. Agent-readiness — one verified surface in a country
7. The blueprint
8. Standards — CLIEDIS, CSIO, and a carrier that never mentions either
9. Security, auth, scopes and consent
10. Provider-by-provider intelligence
11. The investable thesis
12. Where this is going

What you get for $500.00