neuron Carrier Experience API

Welcome to Neuron’s Carrier Experience API

The Neuron Carrier Experience API gives carriers a seamless, secure, and real-time interface into Neuron’s digital trading platform.

This API streamlines the flow of submissions, quotes, and status updates—helping carriers respond faster, operate with clarity, and integrate at scale.

What This API Enables

The Carrier Experience API allows carriers to work directly with submission and quote data, automate decisioning, and stay tightly connected to broker activity.

Core Capabilities

• Quote Management – Create, update, and deliver insurance quotes with full control over pricing and terms.
• Submission Tracking – Access detailed submission data and track the complete lifecycle from start to finish.
• Status Updates – Send real-time status events (Received → Assigned → Processing → Success) to keep brokers updated.
• Carrier Integration – Connect directly to Neuron’s ecosystem with robust, enterprise-grade security.
• Real-time Notifications – Ensure brokers receive immediate updates for faster decisions.

Business Use Cases

Neuron Quote Processing Activity Flow

Key Rules

• Key reference = OptionId — Document upload and Quote submission shall be done on OptionId.
• 📄 Documents are optional for a quote response; validation (scanning) is mandatory when documents are uploaded.
• 📬 Quote Submission = confirmation to send (and processed documents) to a broker.
• 🚫 If no documents are uploaded for an OptionId, validation will still pass and allow quote submission.
• ✅ If documents are uploaded, they must pass validation before the quote is accepted.
• 🆔 QuoteId and Quote Version will be generated upon successful quote submission.
• 📦 Quotes can be submitted one-by-one or in bulk (one or many OptionId per response).

Steps

1️⃣ Select OptionId from a received submission

• 🏢 Carrier: Choose the specific OptionId to work on.

2️⃣ (Optional) Upload documents (per OptionId)

• 🏢 Carrier → 📄 Document EAPI: Upload any supporting documents for the chosen OptionId.
• 📤 Outcome: Immediate confirmation with document IDs (files are queued for processing).
• ℹ️ Note: If the carrier chooses not to upload any documents, this step is skipped.

3️⃣ (Optional) Check document status

• 🏢 Carrier → 📄 Document EAPI: Get the processing status for the OptionId’s documents.
• 🔄 Possible statuses:
  • Accepted (uploaded)
  • Available (processed)
• ✔️ Only relevant if documents were uploaded.

4️⃣ Submit quote (per OptionId)

• 🏢 Carrier → 🚀 Carrier EAPI: Post the quote request for that OptionId.
• 🎯 Trigger: Neuron applies the validation gate before deciding acceptance.

5️⃣ Validation gate — Neuron

Neuron checks for this OptionId:

• 📌 If no documents uploaded → data validation is performed.
• 📌 If documents uploaded → they must be validated (all required docs present, successfully processed, integrity checks passed).

Outcomes:

• ❌ If failed: Neuron rejects the submission for this OptionId.
• ⏳ If documents are still processing: Neuron responds with a corresponding message for this OptionId.
• ✅ If passed: Neuron accepts the submission and performs data validation.

6️⃣a) If accepted

• 🔗 Neuron: Enriches the quote with document metadata (if documents were uploaded).
• 📤 Neuron → Broker: Sends the enriched quote for this OptionId to the broker.
• 📥 Neuron → Carrier: Returns Quote Response with:
  • Generated QuoteId
  • Version
  • Document metadata of processed attachments

6️⃣b) If rejected

• ❌ Neuron → Carrier: Returns Quote Response (OptionId): Rejected with clear reasons (e.g., validation failed, auth failed).
• 🔧 Carrier: Fix issues (upload or correct docs), then resubmit the quote for this OptionId.

📤 Quote Submission Flow

📡 Status Update Flow

🛣️ Quote Lifecycle

Submitted → Received → Assigned → Underwriting → Quote Ready → Quoted / Declined

Technical Features

• RESTful JSON/HTTP APIs
• JWT authentication with client credentials
• Client ID enforcement
• Consistent error response models with correlation IDs
• Rate limits and usage governance
• Multi-environment support (UAT & Production)

Next Steps

• 👉 Review the full Getting Started Guide
• 👉 Explore the API Reference
• 👉 or directly jump on Try-it Playground