Dayforward API
Dayforward is an insurance technology platform that combines a digital life and annuity product shelf with Workbench—a unified sales, underwriting, and policy-administration system—plus actuarial and managed administration services for carriers. An unofficial API lets you programmatically pull applications, policies, underwriting decisions, beneficiaries, and income-benefit payouts, and push new applications, status changes, and servicing requests back into Dayforward.
What is Dayforward?
Dayforward is an insurance technology company that pairs a digital life and annuity product shelf with a premium distribution platform plus actuarial and policy-administration services. Carriers and partners use Dayforward to distribute its products or rapidly stand up proprietary life and annuity policies, while consumers complete a single application and receive multiple policy offers within minutes. Its income-protection product replaces a policyholder's income with semi-monthly benefit payments to beneficiaries until the youngest child reaches financial independence.
Core product areas include:
- Workbench (unified sales, underwriting, and policy administration in one integrated platform)
- Income Protection (income-replacement term life paid as semi-monthly benefit payments)
- Level Term and HealthyLiving (instant and continuous-underwriting term life)
- Income for Life, Permanent Life, Final Expense, and MYGA (annuity and permanent-coverage products)
- Managed Services (outsourced distribution, underwriting, and administration powered by Workbench)
Common data entities:
- Applications, Quotes, Policy Offers, Coverages
- Policies, Riders, Effective Dates, Term Lengths
- Underwriting Decisions, Risk Classes, Health Attributes
- Policyholders, Insureds, Beneficiaries, Income Benefit Payouts
- Premiums, Billing Schedules, Payments, Claims
The Dayforward Integration Challenge
Carriers and partners run application, underwriting, and policy-servicing workflows on Dayforward daily, but the operator's own data is trapped behind a managed, consumer-facing platform with no public developer API:
- No public API: Dayforward is delivered as a managed distribution-and-administration platform, so there is no documented developer surface to pull your own applications, policies, or payout records
- Workbench-gated data: Applications, multi-offer quotes, and underwriting decisions live inside the Workbench portal and are exposed through the UI rather than a programmatic interface
- Product-by-product object models: Income Protection, Level Term, MYGA, and the annuity products each carry their own coverage, rider, and payout structures that generic integrations break across
- Income-stream payout semantics: Benefit payments are paid semi-monthly until a child reaches financial independence, so payout schedules, durations, and triggers need precise effective-date handling rather than a single lump-sum field
- Authentication complexity: Portal logins and MFA are common in carrier environments and complicate headless automation
- Managed-services dependency: Distribution, underwriting, and admin run through Dayforward's own teams, so partners often have no direct path to extract their book of business at scale
How Supergood Creates Dayforward APIs
Supergood reverse-engineers the authenticated Workbench flows your team already uses to deliver a resilient API layer over your Dayforward book—across applications, underwriting, policies, and income-benefit payouts.
- Handles username/password and MFA (SMS, email, TOTP) securely in a managed session
- Maintains session continuity with automated refresh and change detection
- Normalizes responses across Income Protection, term, permanent, and annuity products so you integrate once and rely on consistent objects
- Preserves product-specific coverage, rider, and payout-schedule fields rather than forcing a generic policy schema
Use Dayforward with AI agents: Dayforward MCP Server →
Getting Started
- Schedule Integration Assessment
Book a 30-minute session to confirm your products, Workbench access, and authentication model. - Supergood Generates and Validates Your API
We deliver a production-ready Dayforward adapter tailored to your product shelf and entitlements. - Deploy with Monitoring
Go live with continuous monitoring and automatic adjustments as Dayforward evolves.
Potential API Endpoints
Authentication
/authenticateAuthenticate to Dayforward Workbench using username/password or MFA and obtain a session token for downstream calls.
Applications
/applicationsList applications and the multiple policy offers returned for each, with filters for product, status, and submission date.
Applications
/create_applicationSubmit a new application against a configured product and return the resulting instant underwriting offers.
Policies
/policiesRetrieve in-force policies across Income Protection, term, permanent, and annuity products with coverage, rider, and term details.
Underwriting
/underwriting_decisionsPull underwriting decisions, risk classes, and health attributes for instant and continuous-underwriting products.
Payouts
/payoutsRetrieve income-benefit payout schedules, semi-monthly disbursements, and claim status for beneficiaries.
Use Cases
Sync applications and policy offers into your warehouse
- Pull every application and the multiple policy offers Workbench returns into a single warehouse - Track instant and continuous-underwriting decisions, risk classes, and declines over time - Reconcile applicant records against downstream CRM and analytics tools
Automate policy and beneficiary servicing
- Push status changes, beneficiary updates, and servicing requests without portal clicks - Pull in-force policies, riders, and term lengths across Income Protection and annuity products - Surface lapse-pending and renewal events to retention workflows
Reconcile income-benefit payouts and claims
- Stream semi-monthly income-benefit disbursements and the upfront expense benefit into finance systems - Match payout schedules and durations against each beneficiary's youngest-child financial-independence date - Route claim and payout status changes to downstream notification and ledger tools
Power AI agents over your Dayforward book
- Expose applications, policies, and payouts to agents through a normalized API and MCP server - Let agents quote, check status, and answer policyholder questions without scraping the portal - Keep agent context current with near real-time pulls from Workbench
Technical Requirements
Authentication
Username/password and MFA (SMS, email, TOTP) handled in a managed session
Connectivity
Authenticated Workbench browser flows reverse-engineered into a stable API surface
Response format
Normalized JSON across applications, policies, underwriting, and payout objects
Rate limits
Adaptive throttling tuned to your tenant to avoid platform-side limits
Session management
Automatic session refresh, MFA replay handling, and credential rotation
Data freshness
Near real-time pulls for applications, policies, and payouts with optional scheduled batch syncs
Security
Encrypted credential vault, scoped access tokens, SOC 2-aligned controls, and audit logging
Webhooks
Event-style callbacks for application status, underwriting decisions, policy issuance, and payout changes
Latency
Sub-second reads on cached entities; multi-second writes when submitting applications and servicing requests
Throughput
Horizontally scaled workers sized to your application and policy volume across the product shelf
Reliability
Retry, backoff, and idempotency keys for application submission and policy servicing transactions
Adaptation
Continuous monitoring of Workbench releases and product-configuration drift
Frequently asked questions
No. Dayforward is delivered as a managed distribution-and-administration platform with no documented developer API. Supergood builds a resilient API layer over the authenticated Workbench flows your team already uses.
All of them. Supergood normalizes data across Income Protection, Level Term, HealthyLiving, Income for Life, Permanent Life, Final Expense, and MYGA, so policy, application, and payout entities are consistent across the whole product shelf.
As structured payout schedules rather than a single lump-sum field. Semi-monthly disbursements, the upfront expense benefit, and the payout duration tied to a child's financial-independence date are all exposed through the normalized API.
Supergood works with your existing Workbench credentials and entitlements. You access the data you are already authorized to see; no separate partner API program is required.
Supergood handles username/password and MFA (SMS, email, TOTP) inside a managed session, with automatic refresh and credential rotation so headless automation stays connected.